Integrity Advance Payday loans: Are they legal?

Hi,, 

I live in California the loan was taking out on line, they have been withdrawing money from my account bi weekly under the name integrity . 

I desperately need some help and am willing to pay , I am the biggest sucker in the world.  May of 2012 I was very desperate, and took an online payday loan for $400 dollars.  I have paid over $1700 and still have a balance of $160 due to these crooked SOB's .  I just sent a scathing email to them to withdraw the remainding amount owed.  What steps can I take besides never using them again , to get some satisfaction hopefully but not counting on money back . Thanks hope I made someone feel better.

payday loan yes is illegal as all get,send them an emal stating this.how much did you borrow and how much paid back?you only owe the principal.that cracks me up.the ACH debit consent is voluntary and revocable,as are any and all wage assignments.don't fall for there typical BS.cause that's what it is.did you file AG complaints yet?if not do so.

I haven't filed with the AG's office yet... I actually overpaid PayDay Loan Yes, so they "owe" me $250... I'm not really scared, especially since being here and learning so much from all of you. I know they are illegal so I'm actually a little amused by it all... Bring it on!!! :) :lol:

I have a current loan with Integrity Advance that I secured over the internet. I am in FL. Can you advise how I am to proceed? Is my first step closing my checking account? I'm sure there is a sample letter somewhere...If I could be directed to that, I would greatly appreciate it.

We also secured a $300 loan in FL from Integ Adv and have paid back over $770 before i realized they were auto-debiting me every 2 weeks for as much as $140 a month.
What have you learned about this matter in FL tburton?
Any help would be greatly appreciated.

I made a loan from integrity advance payday loans and so far they have debited almost $900

Hi tburton & guest,

Here is a letter you can use, you will need to tailor it for your needs:

Ok so I took aloan through integrity advance for $400.00. They have withdrawn $120.00 in finance charges, and this loan in not paid in full will automatically withdrawl $120.00 on every pay date. They have tried to withdrawl this $120 on a day that was not contracted, and the funds were unavailable, causing me to incure a $25.00 fee. I was told to fax in proof of the overdraft fee, and then contact their "collections" department as my account now lies with them....although THEY screwed up and breached the contract. I then fax the proof, and contact their "collections department", who knew who I was BEFORE even speaking my name. I was told that they cannot credit me the $, as I currently owe them, but that the $25.00 will be taken off my next $120 payment. Also, since the fee was $120.00 fee was supposed to be withdrawn on 3/31, but was attempted on 3/27, they would suspend the payment for 3/31 and not charge again until 4/15. So I am now trying to pay it off in full and they tried to say I owed $600+ which I adamently argued with them. They subracted a finance charge of $120 and now say I owe $400 + $120.00 finance fee = $520.00.
This is RIDICULOUS

Ok.?? So your question is?
??

The loan is illegal as you are in KY. All internet loans are illegal in KY.
??
Your best bet is to close your account. You only owe the amount you borrowed.

Hello reading this I am really getting scared- Intregrity Advancedid the same thing to me - I just took out an internet loan with them last week and I get paid every two weeks- they took out the 120.00 payment today instead of next week on my payday as promised- long story short I now have occured many overdraft fees- how should I proceed? I do not want them to continue drawing money from my account - I live in Wisconsin- In what states are these internet loans legal?Any info you can provide is greatly appreciated

You need to contact the WI DFI. You can file an on-line complaint form through their website. I believe it is wdfi.org They will also let you know if they have a license in WI. But one thing with WI is that if you went searching for the internet loan then the company has to be licensed in the state they are in, they don't have to be licensed in WI. But if you responded to an e-mail and still have proof of that, then they do have to be licensed in WI. But contact the DFI and they will let you know what you can do.

are payday loans legal in tx.and if you stop paying them -close bank account.wat can happen

I have started getting responses to my case too, including an exact replica of the above-mentioned one from Integrity. Here is one from One Click Cash sent to the BBB re. my case:

On July 07, 2009, the business provided the following information:
To Whom It May Concern:
We recognize this complaint as a response to a template of a form letter circulating the Internet. This form letter is full of mis-leading and inaccurate information. Unless this customer has a specific complaint regarding the handling of their account, we do not believe a response is warranted. Thank you for your consideration in this matter.

Little Loan Shoppe repeated their "we are not a payday advance" blather and ended with:
We hope to have addressed your concerns and certainly are willing to cooperate with and resolve any outstanding issues. We acknowledge that you have revoked any additional ACH debits for the balance of your loan. Please contact our Resolution Department at 866-223-7549 to make payment arrangements. We understand that these are difficult economic times, and we can schedule payment arrangements that work around your particular needs. While LLS does not report to the various credit bureaus, if LLS is unable to make payment arrangements with you, then LLS does sell off the outstanding debt to a third-party collector that does report to the various bureaus.

Any thoughts/suggestions on how I should respond to the above, if at all? Sure is nice having a new bank account ...btw, UnionBank of California has been a pleasure to work with.

Removed, Deflamatory remarks and personal attacks will not be tolerated. Shazzers

I too took out a loan of $400. They took out a total of $280.00 all of wich they said is not applied to the balance. Is
this legal in Pennsylvania?

Longhorn Debt solutions fought for me and I did have to pay anything and I did pay anything . Screw payday loans, an expensive lesson learned. They take advantage of your situation.

Are these illigal in California?? If so, I have a loan out with Integrity Advance, and they have made me incur over $700.00 in overdraft fees to my acct already! They have tried several times last week that I'm thinking of closing my acct!

I took out a loan due to there error they can not debit my account and now they want to take me to loops for there error. My loan was 300.00, 90.00 the first payment and to pay it off total 480.00 This total a rip off. Please do not take a payday loan if you can help it.

So where do you start? Do I contact the company or do I just stop all payments on the loans? Please give me some idea of where to go from here? Thanks

I got loan from Integrity for $300 they took out$90 from my account for interest. I had a situation where I couldn't make the next due date. I called & explained but they wouln't work me. They are scammers by the time you finish paying the loan you've definetly overpayed I want to stop payment. Is thst even possible?

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Pay day loan rules are different for region?
or same rule applicable for perticualr state?

each state has its own laws

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You said you used to work for this company. Any helpful info that you can provide to help win the war with this company? Is it legal to take more in fees than the original loan? Please help.:confused:

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Sazzers,

You need to stop giving these people advice that is going to ruin their credit even more than it is. Do you notice a trend on this site? Most everyone has more then one payday loan company they are dealing with. do you know what that means? Let's just say, for arguements sake (although I believe it to be absurd) that they went into the first loan not knowing the charges they were going to incur if they didn't pay back the entire loan their next payday (even though that would mean they didn't read the contract they electronically signed, which in my eyes means they get what they deserve...but I digress). So they have the one loan...then went out to get one, or in some cases, multiple more! By this time they have to have known the charges...and now they're looking for any way out possible. And you're giving it to them by providing advice that is going to lower their credit score even more...if that's possible.

I've been repaying a $400 loan from Integrity since September and I have dealt with other online loan companies before but these are the worst!!!! It's now December and I'm still paying them back!

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Lending of payday loans in the state of Texas is legal. You can refer to the following link for more information regarding Texas pdl laws:

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html . Just select the state name from the page referred and you will get the relevant information.

If you get a payday loan, prepare to pay it back on the next payday or don't get the loan. Duh.

Another illegal pdl employee, funny. Wont work here. Knowledge is power and you dont have any. Go away.

Integrity WILL give in and refund your money. They will fight you on it, but they will eventually give in. They also usually want you to sign a mutual release agreement.

This is the guy I worked with.
[email]anthony@iadvancecash.net[/email]

Thanks for the info OhioGal.

I took out a $500 loan thru Integrity... and have paid $1135 to date. They are illegal in my state of NJ. I plan on emailing my C&D letter directly to Anthony :p

How much was your refund? Was it all of what you overpaid? Or just a portion? What kind of mutual release did u have to sign? How long and how persistent did you have to be?

Thanks in advance!

We went back and forth a few times. I had to be very persistent because he was a little slow getting back to me and kept telling me that the "legal department" was reviewing my request. Eventually, it worked out. The agreement basically stated that the account was paid in full, that I wouldn't sue them in the future or apply for additional loans, and that I couldn't discuss details of the agreement.

They refunded me about 20% of what I overpaid "as a courtesy." I took it because I figured something was better than nothing.

Did they mail you a check? And how long did the whole process take?

I'm going to start all my C&D action next week, thru email.

I have a question. I took out a payday loan with Integrity Advance online. I have since closed my banking account. I have been working with a debt management company and they made a settlement for me. What if I choose not to accept the settlement and just not pay them. Can they do anything about it? I am on disability and have no income so I cannot pay anything. I live in AZ. Actually, I will pay it but I am only able to pay a little at a time. The settlement is 175.00. I would only be able to pay 20.00 at a time.Thank you!

paydayfree,

They deposited the money into my account, same way they did with the loan.

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Hi I'm in the same trap caused by pdls as many people. I think pdls are illegal in New Jersey,where I live. I currently owe on 5 different pdls. What can I do now? I have paid tons of extension fees, but am no where near clearing them. If they are illegal in N J what is my next step? Please help me I'm desperate. They are ruining my life. I know I'm to blame for choosing 2 take out these loans.
Any help would be greatly appreciated.

Thanks
Doktaknow

I was flat out lied to by these scammers...... I would never have agreed to over 50% monthly interest on a short term load. I am in South Dakota,,, does anyone know the rules there?

On june 8th i got an intregrity advance loan for 300.00 dollars with a 90.00 finance charge, ok. I told them i get paid bi-weekly and my first pay period was on june 20th, that day came and went so that monday i called and asked when no funds were taken out of my account, i talked to a gentlemen and he told me the pay period was wrong and was setting up the payment to start the next pay period, so in two weeks 90.00 was taken out of my account, and the same done for the next 3 pay periods, an total amount of 260.00. so today i call and find out that i still have a balance of 390.00, because the 90.00 a week that was taken out of my account was to "extend the loan", and that the conversation that i had with the gentlemen on june 12th was not confirmation that i was paying the loan off but that i was confriming the "pay date". and the best they could do for me was settle and close the account for 210.00, but what about the 260.00 i already put towards this? she told me because i didnt call 3 days before my pay date, they automatically withdrew the finance charge to "extend" and start my pay date over, i feel so ripped off, is there anything i can do to put this 260.00 towards my debt??

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Ok, So I see a pattern here. And, as a MULTIPLE returning customer of Integrity Advance, I am disappointed in all of this bologna that you guys are putting on here. Let me explain this in black in white for customers who have, are thinking about, or will use Integrity Advance payday loan company. Its this simple, If you need money, and you want the loan, get it. If you dont wanna go to store front and get one, then be prepared for the slightly higher intrest rate for the online companies. Secondly, for all of you who keep saying they are debiting your account for a certain fee at each of your paychecks...DUH! However, you can keep this from happening, heres how. WHEN YOU SIGN(ED) the electronic documents, It clearly stated your loan amount, your fee and your due date, also your PAYMENT OPTIONS! Say it with me...PAYMENT OPTIONS! First off, it is a PAYDAY loan, NOT and installment loan. If you intend to pay it back over a years time, then go to bank, or expect to pay a crap ton.
Option 1--Paying the Loan in full (Shocker! Thats an option?) YES!
Options 2- Pay down on your loan. (how convienient, they give you the option to pay in portions, and whats that you say, it reduces your loan amount AND your fee? YES! Is it their fault you need more time to pay it in full bc your last paycheck was low? NO! So pay down on it and know that your still gonna get a small fee with it because your EXTENDING it or REBARROWING a smaller amount rather.
Option 3--(EVERYONE NEEDS TO PAY ATTENTION HERE)- Refinancing is option 3.
When you hear refinance-think re-barrow. If you dont call the company within 2-3 business days before your KNOWN due date, then they just deduct the minimum finance fee, one that EVERYONE is aware of when they signed the documents and what the REPS tell them before getting the loan.
If you choose to be irresponsible, and NOT call 2-3 days ahead of time, then its not THEIR fault you slacked off, therefore they dont want to debit the account for the full amount, because if they did...THEN YOU WOULD BE CALLING THEM BECAUSE THEY TOOK ALLL the money out of the account ..am I wrong???

My point here is: Integrity Advance Paydown Loan company, Is NOT a rip off. You came here looking for a loan, you signed the documents that stated what you WOULD pay and you signed showing you KNOW the options..and you ALSO signed and Arbitration/Provision page stating nothing is going to court if YOU!!! default on YOUR loan. Therefore, If you do not follow the documents that you were suppose to read, its your own fault. And if you didnt agree with it, you shuold never have signed it in the first place!!! Its that easy!! I have had many loans with them, And also have had some ive paid right away, and some Ive paid over time. Yes, fees do add up..BUT YOU! have control over how much! If you cant afford it, do them a favor and DONT get it! Stop bashing the companies name because your not resposible enough to admit you should have called , or that you should not have gotten it in the first place.

And to answer your questions about illegal states, and whats illegal and whats not...
Integrity Advance is NOT stupid. They knwo what states they can and CANNOT loan to. Its even on their application before you apply, and if your application goes though you obviously are a legal state to loan to.

Integrity Advance customer service is on top of their game. They call you within minutes, to tell you their offer and if you have questions ASK! If you dont..expect to get what you deserve. They help the best way they know how. There are so many people out there who are tryin to get free money, and they arent going to let people take advantage of them either. Nor should you. This is not a letter to discourage anyone, or change their minds, everyone has different experiences. But at the end of the day people, really? Pay attention. Its not fine print, its simple black and white. Always Read.

[QUOTE=Anonymous;757857]Ok, So I see a pattern here. And, as a MULTIPLE returning customer of Integrity Advance, I am disappointed in all of this bologna that you guys are putting on here. Let me explain this in black in white for customers who have, are thinking about, or will use Integrity Advance payday loan company. Its this simple, If you need money, and you want the loan, get it. If you dont wanna go to store front and get one, then be prepared for the slightly higher intrest rate for the online companies. Secondly, for all of you who keep saying they are debiting your account for a certain fee at each of your paychecks...DUH! However, you can keep this from happening, heres how. WHEN YOU SIGN(ED) the electronic documents, It clearly stated your loan amount, your fee and your due date, also your PAYMENT OPTIONS! Say it with me...PAYMENT OPTIONS! First off, it is a PAYDAY loan, NOT and installment loan. If you intend to pay it back over a years time, then go to bank, or expect to pay a crap ton.
Option 1--Paying the Loan in full (Shocker! Thats an option?) YES!
Options 2- Pay down on your loan. (how convienient, they give you the option to pay in portions, and whats that you say, it reduces your loan amount AND your fee? YES! Is it their fault you need more time to pay it in full bc your last paycheck was low? NO! So pay down on it and know that your still gonna get a small fee with it because your EXTENDING it or REBARROWING a smaller amount rather.
Option 3--(EVERYONE NEEDS TO PAY ATTENTION HERE)- Refinancing is option 3.
When you hear refinance-think re-barrow. If you dont call the company within 2-3 business days before your KNOWN due date, then they just deduct the minimum finance fee, one that EVERYONE is aware of when they signed the documents and what the REPS tell them before getting the loan.
If you choose to be irresponsible, and NOT call 2-3 days ahead of time, then its not THEIR fault you slacked off, therefore they dont want to debit the account for the full amount, because if they did...THEN YOU WOULD BE CALLING THEM BECAUSE THEY TOOK ALLL the money out of the account ..am I wrong???
My point here is: Integrity Advance Paydown Loan company, Is NOT a rip off. You came here looking for a loan, you signed the documents that stated what you WOULD pay and you signed showing you KNOW the options..and you ALSO signed and Arbitration/Provision page stating nothing is going to court if YOU!!! default on YOUR loan. Therefore, If you do not follow the documents that you were suppose to read, its your own fault. And if you didnt agree with it, you shuold never have signed it in the first place!!! Its that easy!! I have had many loans with them, And also have had some ive paid right away, and some Ive paid over time. Yes, fees do add up..BUT YOU! have control over how much! If you cant afford it, do them a favor and DONT get it! Stop bashing the companies name because your not resposible enough to admit you should have called , or that you should not have gotten it in the first place.
And to answer your questions about illegal states, and whats illegal and whats not...
Integrity Advance is NOT stupid. They knwo what states they can and CANNOT loan to. Its even on their application before you apply, and if your application goes though you obviously are a legal state to loan to.
Integrity Advance customer service is on top of their game. They call you within minutes, to tell you their offer and if you have questions ASK! If you dont..expect to get what you deserve. They help the best way they know how. There are so many people out there who are tryin to get free money, and they arent going to let people take advantage of them either. Nor should you. This is not a letter to discourage anyone, or change their minds, everyone has different experiences. But at the end of the day people, really? Pay attention. Its not fine print, its simple black and white. Always Read.[/QUOTE]
No need to be condescending. :wink: By the way, where did you go to school?