Read this before posting in payday...DO NOT POST IN THIS THREAD...START YOUR OWN loan forum

Hello,

I am from New York. I borrowed from Paydaymax $1,020.00. I paid $144.86. Owe $875.14. I told them are illegal in my state. They are stating I signed and agreed to the interest fees and willing to settle for $1,038.00 Doesn't make sense to me. They also stated I have been a long time member of their site. I realized that they are illegal and will not pay anything more than $875.14.

I also found Ameriloan to be illegal in my state. I borrowed from $750.00. Nothing paid yet. I closed out bank account and am ready to send letters to the AG, BBB, and FTC.

Can Anyone please help me? The problem is that I've borrowed from these companies countless of times. Could they get me on the grounds of doing this.

Thanks, I need Help

I live in Oklahoma City...I have been reading and last night decided to send letters..this morning 2 of the 4 pdl companies has replied SureAdvance has forgiven the remaining balance...but cash Direct Express has my status as Extended payment plan Bhutan they have not forwarded anything to me 350.00....here is the kicker...Plain green loans 2200.00 taken on 9/12/12 they have my remaining principal at 1850...making payments of 134.42 biweekly...and last Advance me today 800.00 paying 192.00 biweekly have pie 600.00 in interest nothing towards principal....what do I do about cash direct and plain green.

I LIVE IN  MS I HAVE 3 PAYDAY LOANS CHECK N GO---410.00 NOT PAID ANYTHING,CASTLE---700.00 PAID 245.00 OAKWOOD----300.00 PAID 92.00.ARE THESE PAYDAY LOAN COMPANIES LEGALLY IN MS?

Unfortunately CashCall is legal in California and is quick to sue. I took out $2500 and was not able to make the payments so they charged me interest fees and it came to $4500 but thankfully the judgement was for $2500 and court fees of $160. After the judgement I called them and asked if they could do payments for $500 a month instead of wage garnishment (they were heading that route) and they agreed. I started that in October of 2012 and I just finished my last payment with them this month. I was told by a debt settlement company that they are quick to sue so I guess my advice would be to try and set up some kind of payment plan with them before they go that route because you will have to pay them in the end anyways and having someone sue you is more stress then needed.

Anybody ever heard of this company? They took $30 from my account this morning. I need contact info on them.

Can you show me examples of letters to give to the AG, BBB and Federal Trade Commission.

The wage assignment you signed is voluntary and you can revoke it at any time...

Dear PDL....I hereby revoke any and all wage assignemnts I may have signed in regards to account # _______________, for PDL taken out on ___________________.

Give a copy to your payroll department.

Nope, they cant get you on anything...payday loans are prohibited in NYS. In fact since you have over paid on previous loans, I wouldnt pay them anything more. They probably owe YOU money.

How will I know If I can get a quick answer from the AG, BBB, and Federal Trade Commission

New to this and just wanted to know if signed a wage assesment if they can still garnish wages?

I live in Illinois and have 2 internet loans. I am willing to payback what I was given but I can't afford to do it the way they are taking out of accounts. The total of my loans is $800. I was given $500 by Vandelier Group and $300 by VIP loans.i have paid $90 to VIP loans thus far.

It was brought to my attention that Vandelier group may not be legal in Illinois. Someone from a company called consolidate called my job and said that I need to pay the loan or further action will be taken. However, I have an email from Vandelier Group stating that loan went into collection with a company called National Credit Adjusters. I have given this consolidate company my credit card information to take 153 bi weekly for 3 weeks. I think something is wrong and I don't know how to find out if the people I am dealing with is legit or not. I am willing to give back all monies that was loaned to me but the fees are just crazy.

All payday loans are illegal in GA...follow the link in my signature line. Nobody is coming to serve or arrest you. You owe principal only, no interest and no fees. Stay off the phone!!!!

I live in the State of Georgia;
Borrowed $1,500 from Great Plains Lending in 2012;
Paid back about $9-$1,200.
Now I'm getting calls from a company called Credit Solutions. Saying they are about to file a Complaint and have the Sheriff serve me and I have to pay $2250 plus court fees and if I don't, I could be arrested. WHAT CAN I DO???

I was wondering if any of the following loans are legal in Florida: PDM, NETPDL,Hydra Fund I, Insight Capital,Minute Funds, Splash (aka First American Capital),Liberty GroupLLC? Any info is aprecciated!
Thanks

why can you not post here

??????

As all the moderators here will tell you, set up ACH revocations with your bank or close the bank account associated with these loans. Then check with your state's Dept. of Finance to see if these lenders are licensed in Ohio. If they aren't, proceed at your pace. I have dealt with Plain Green and they are fairly easy to deal with once you go into collections. These stupid pdl's will ruin your life - or at least rob you of good night's sleep...I know from experience. I'm digging out of a MASSIVE hole by following the advice I've read on this site.

I live in Michigan and have 2 storefront loans and 10 internet loans. I fell into the cycle of getting a loan to pay another one. The only reason I got into this was b/c my husband was ill and not working. I was going through Progressive Debt Relief, but they only paid one bill in four months. These are my loans:
GECC/Cash Direct – Loan $600
Idealgelt – Loan $750
Sure Advance – Loan $400
Cash cure – Loan $600
Plain Green Loans – balance $1,538
Great Plains Lending – balance $369.25
Advance America – balance $600
Check ‘N Go – balance $600 -
Cashcall - balance $2500 -
Payday Nation – balance $300

This has affected my health and marriage. I just want to end this. I dont know how much more stress I can take. Please help.

I must get across my gratitude for your kindness in support of men and women who actually need assistance with that field. Your real dedication to getting the solution throughout had been definitely interesting and has all the time allowed regular people much like me to achieve their goals. The warm and helpful tutorial implies much to me and even more to my peers. Thanks a ton; from each one of us.

I'm having the same problem with my posts.

Im unsure how to post threads on here, i pressed the Ask an expert button at the top then when i went to submit it said that a moderator has to approve of the thread. That was yesterday and i still am not seeing it :( Will it be posted or do i need to take some other action?

I am trying to post a thread too but can't figure out how. Help someone!!

I still cannot start a new thread.

I currently have 4 PDLs: Pepper Cash, Cash in a wink, Boulevard Cash, and Castle Payday. I have overpaid all of them because of interest every month but the principal balance on all of them is still $200- i had just been rolling them over.. I have read everything on the site and am prepared to take action with my bank, the ACH/wage revocation letters, and other appropriate steps but I am nervous if I can still get the same results as other people because of what they have on file for my address. I live in Georgia, the information they have for my employer is a GA address, I put down that I have a GA drivers license, my bank info comes up as being in GA, but for the actual address, I put a fictional Florida address so that I could even receive the loans in the first place. Now that I want to take action and say that PDLs are illegal in my state, I'm afraid they are going to come back and say well you say you live in FLorida so your debt is valid. I don't know if there are any loopholes to the specific vendors I loaned with or if I can just say I accidentally put Florida (F and G are right next to each other on keyboard and all my other info is GA so they should have put two and two together, or if i need to even address it at all) Help on what to do here would be greatly appreciated SOAPLADY or anyone that knows what theyre talking about thanks

Ok..most of your loans are illegal. You need to follow the link in my signature line on how to deal with them. ACH revocation, CLOSE your account...follow ALL of the steps.


GECC/Cash Direct – Loan $600 DE BASED..PROB ILLEGAL
Idealgelt – Loan $750 ILLEGAL
Sure Advance – Loan $400 DE BASED..PROB ILLEGAL
Cash cure – Loan $600 PRETTY SURE ILLEGAL
Plain Green Loans – balance $1,538 ILLEGAL TRIBARL
Great Plains Lending – balance $369.25 ILLEGAL...TRIBAL
Advance America – balance $600
Check ‘N Go – balance $600 -LEGAL
Cashcall - balance $2500 - Did this originate with Western Sky??
Payday Nation – balance $300 ILL3GAL...UK BASED

Michigan Payday Loan Laws
State Legal Status
Lending of payday loan is considered legal in the State of Michigan.

Loan Specifications

Maximun Amount of Loan - $600
Term of Loan - Maximum 31 days
Maximum Rate of Finance and Fees - 15% interest rate on the first $100 loan; 14% interest rate on the second $100 loan; 13% interest rate on the third $100 loan; 12% interest rate on the fourth $100 loan; 11% interest rate on the fifth $100 loan; 11% interest rate on the fifth $100 loan + fees for any database verification
Finance Charge on $100 loan for a 14 day period - $15
APR for $100 loan for a 14 day period - 390%

Debt Limits

I currently am drowning in payday loan debt it is taking most of my checks every two weeks and barely leaving any money to actually live on for my family. I want to take control and get out but I am extremely afraid of the tatics they will use against me. I've heard of people going to jail because of this and that scares me to death............I want to try and accomplish my goals in dealing with these before my next payday of 12/28/2012. I live in Ohio and I have the following loans out
Plain Green Loans (2) 1-mine 1-my husband
Cash Direct Express

Cash Direct Express Loan is $600 I have paid $826.00

Plain Green Loans is $1600 I have paid 2213.92 & still have a balance of 1365.75.
I have taken multiple loans with this company and have over paid them on all of them. Is there any course of action for the previous loans or just the current??? Please Advise ASAP!! These are literally ruining my life :( Thank you all for your advice and support

Hi I tried to start a new thread in this forum, I used the "?Ask An Expert" button. Does anyone know how long I should wait to see if it shows up before just reposting? I cant see it from my account page either. Thanks

edit- spoke to Jason and my post was flagged as spam. Will try again.

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