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Hi guys, I'm new to this group but not new to the situation that we are all in. I live in Florida and have 4 ipdls. They are ameriloan, Loanshop online, United cash loans and kenwood services. I'm researching how much I have paid these guys and will post this soon, but my first question is, how many of these are legal in florida? I know i have paid Ameriloan over 600 for a 300 loan. The others as I said I'm still researching. Can anyone tell me which ones are legal and which ones aren't? This will help me decide which plan of action to take.




Sorry guys, still new to this area. My message was supposed to go into the Payday loan help forum. Any ideas to move it to that one?

Sub: #1 posted on Mon, 10/06/2008 - 15:39

tamarang40 tamarang40

(Posts: 23 | Credits: )

Hi tamarang40 and welcome, I'll move this topic for you to the payday forum, that way more people will see it. :)

Sub: #2 posted on Mon, 10/06/2008 - 17:45

Shazzers Shazzers
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(Posts: 17345 | Credits: )

I know that ameriloan isn't legal in FL, you are done with them, and in fact they owe you money, all you are obligated to pay back an illegal lender is the principal amount! Florida requires Internet based pdl's to be licensed by your state, keep in mind though, there are some payday loan companies acting as CSO's (Credit Service Organizations). This means they do not need to be licensed, and are generally 100% legal in what they charge.

state laws
http://www.debtconsolidationcare.com/paydayloan/explain-p dls-laws.html

Sub: #3 posted on Mon, 10/06/2008 - 17:53

Shazzers Shazzers
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(Posts: 17345 | Credits: )

Thanks for the info Shazzers, so how do I find out if these companies are cso's in Florida. From what I'm reading, United Cash Loans isn't legal either, as well as loanshop online. Have you ever heard of Kenwood services? I can't find anything on them.

Sub: #4 posted on Mon, 10/06/2008 - 17:56

tamarang40 tamarang40

(Posts: 23 | Credits: )

Thanks for moving the post, Shazzers. I think I put another one on here by mistake. Can you please delete that one?

Sub: #5 posted on Mon, 10/06/2008 - 17:58

tamarang40 tamarang40

(Posts: 23 | Credits: )

Yes I will! :)

Sub: #6 posted on Mon, 10/06/2008 - 18:01

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

I finally put together how much I have paid to these companies.
Ameriloan: borrowed 300, pd 625
Loanshop online: borrowed 300, pd 90
United Cash Loans: borrowed 200, pd 350: borrowed(again):300, pd 0
Kenwood services: borrowed 300, pd 435: borrowed (again): 350, pd 0.

Sub: #7 posted on Mon, 10/06/2008 - 18:02

tamarang40 tamarang40

(Posts: 23 | Credits: )

I just wonder if the loanshop online you are dealing with is the same as the one below??? I've read SO many loan shops on this site I get confused as to which is which. lol If this is the same one, that means they aren't licensed. Would you happen to have an address on your loan papers you could check? Because I'm not certain about this one. :?

Loan Shop
E-Care/Sonic Payday/Cash Transfer Centers/Loan Shop/Northway Credit (these are all one company)
13696 104th Avenue
Surrey, BC Canada V3R 1V9
phone: 1-866-958-3278
fax: 1-866-809-4069
email: customercare(at)cashtransfercenters.com

Sub: #8 posted on Mon, 10/06/2008 - 18:08

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

CLICK HERE for information about United Cash Loans. :shock:

Sub: #9 posted on Mon, 10/06/2008 - 18:11

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

I can't find any information on Kenwood services, it makes me wonder if they're acting as a CSO???

Sub: #10 posted on Mon, 10/06/2008 - 18:14

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

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