legal payday loan

You can check the PDL laws for your State on this forum in the "Stickies" section. What is the name of your PDL, it's possible others have had experience with the same company.

i have one with Spot On Loans, one with Beacon, one with Discount Advances, and one with MMG/Holiday

none of the loans listed are legal in PA.in fact only CSO'S are legal and none of these are cso's so you need to go top the sticky titled(dealing with illegal lenders)at the top of the payday loan help forum.it has all the info and steps and info you need to get these loans paid,and only what you owe which is the principle and nothing else.go to the sticky follow it and don't skip steps.the first being to close your current account and open a new one.do that and you should be fine.

how do i know if these companies are licensed in pa or otherwise? (Spot On Loans, Beacon, Discount Advances and MMG/Holiday) tryin to figure out how much i am legally responsilble to pay

So is that the principle minus any fees i have paid on them so far?

since none of these are legal then if any so called fee debits were taken by any of them.then you deduct that from the principle.example:

you borrow 300.00 from spot on.they debit 90.00 three times.you only owe them 30.00 that's it.now this was only an example,but you get the idea.

Payday lending is prohibited in Pennsylvania. That???s why all payday lenders in this state are illegal. Illegal payday lenders don???t have any right to take any legal action against you. As they are not licensed, so you are required to pay only the principal amount. To know more about state payday loan laws, glance through the following link:
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

So my account is closed i now have to send the lenders a letter like the one in the "stickies" correct? Do i just email the letters to them or do i mail them? And would i file fraudulent activity on my checking account? I dont want to get in trouble for filing fraud if that wasn't the case.

thank you so much for all your help.

you can email the letters,but send the ACH REVOCATION LETTER first.then see your bank manager with a copy of your state pdl laws and the revocation letters.let them know you need to close that account.it is advised by some to open a new account with a new bank,but yes you can email the letters as some of these loans are not located in the US.therefore email would be the way to go.

where could i find an ach revocation letter? where would i find physical addresses for the lenders?

i need an address or email address for spot on loans if anyone can help me....thank you

I need help to consolidation my payday loan