Live in California

This is a new thread, you may ask any question you like.

I am overwhelmed and need to get this under control.....I have paid these pdls but just the finance charges and nothing on the principal.

well can you recall how much in the fees was debited thus far.you see all of these are illegal in CA and therefore you only owe the principle.any fees debited get deducted from the principle.btw you mentioned five loans,but only listed four who is the fifth lender?please try to come up with amounts and we can better guide you.thanks.

Sorry the other was Advance Me today $ 700 fees paid 504

Four Seasons $ 780.-fee's paid so far $225
Lakota cash $ 500 - Fee paid $450
VipLoan $500 - 450
Eastside Lenders $750 fees paid 450

What is the next step.....

Thanks for help....

Does any one have address for these?
Advance Me today
Four Seasons
Lakota cash
VipLoan
Eastside Lenders

Why do you need an address?

Since Paul has already checked out the lenders and found they are not legal, [URL=http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html]CLICK HERE[/URL] to find out how to deal with illegal lenders. All of your questions should be answered there. If you have plans to send these lenders a revocation letter via the mail, an email is just as effective and a lot quicker.

Perfect...thanks so much for your help!

Need a little more help for all you guys.....here is a response I recieved from Eastside Leanders after sending them an email (like the sample one posted here).... What should me next stepd be and any and all advise would be helpfull......

[COLOR=#333399][FONT=sans-serif][/FONT][/COLOR]
[COLOR=#333399][FONT=sans-serif][/FONT][/COLOR]
[COLOR=#333399]East Side Lenders is responding to your correspondence regarding the above-captioned account. [/COLOR]
[COLOR=#333399]East Side Lenders, which is located in Delaware, is licensed by the State of Delaware to make small loans. All such loans are approved and funded in Delaware, with repayment to be made in Delaware. The East Side Lenders loan agreement and website contain all disclosures required by Delaware and federal law and make it clear that all transactions are governed by Delaware law. On the advice of counsel, East Side Lenders maintains that the choice of Delaware law as controlling in the loan documents would be upheld, as all of the significant contacts in the loan transaction occur in Delaware. The loan agreement is legal and enforceable. In responding to your correspondence, East Side Lenders notes and reserves all available legal and equitable objections to the points you have raised.[/COLOR]
[COLOR=#333399]East Side Lenders provided this service as a convenience to you. We still consider your loan to be outstanding and are prepared to go to arbitration as provided for in the Loan Agreement between us. As an alternative, if you are experiencing financial hardship, we will be happy to speak to you about payment arrangements through which you can successfully meet your payment obligations. East Side Lenders will consider doing so because of our continuing commitment to servicing our customers and not because of a legal obligation to do so. [/COLOR]
[COLOR=#333399]Should you have any further questions regarding this matter, if you wish to speak about payment arrangements, please contact us at (800) 689-5603.[/COLOR]
[COLOR=#333399]Sincerely,[/COLOR]
[COLOR=#333399]Customer Service[/COLOR]

Here is another one.....here is a response I received from Advance Me Today.comafter sending them an email (like the sample one posted here).... What should me next stepd be and any and all advise would be helpfull......



This is a St. Vincent company. St Vincent and the US are both parties to the General Agreement on Trade in Services, a treaty which specifically permits companies in one country to make consumer loans to citizens of the other. Under the treaty, we are only obligated to follow the federal laws of the US. We are not required to obtain state licenses or follow state laws.
If you have further questions please don`t hesitate to ask.


Warm Regards,


[COLOR=black]Bill Richards[/COLOR]
[COLOR=black]Customer Service Department[/COLOR]
[COLOR=#010bd1][FONT=sans-serif][EMAIL="ernestom@advancemetoday.com"]guillermow@advancemetoday.com[/EMAIL][/FONT][/COLOR]

both of those responses are typical of their illegal ilk.your state law prevails.so both are illegal,and should be treated as such.just know that is their first response.re-send your emails and know they will lie out of their backsides.don't believe any of it.

Great thanks.....

Has anyone had to deal with AdvanceMeToday.com? I was just wondering what usually happens next? I sent them the letter twice now since they response was that the Federal Laws supercede state law. Does anyone have experience with them? Just curious... Also what about when you ask the pdl lenders for the address to pay and no respose? how to handle that?

I know this is a lot of questions, i would like to hear what are some people expeiences are.

Thanks again.....

since there are no federal laws,or guidlines regarding pdl's.that is another BS lie by an illegal lender.

Little advise from anyone would be great, when dealing with a pdl and you say that you are telling the pdl that you only will pay the principle of the loan and they are saying you owe the full amount (loan + fee) and you have already made several payments which would have paid down or off the principle loan and the pdl are saying that you still owe the full amount and that they will report this to the credit bureaus. And help on how to handle this? Does filling compliants with the AG, FTC and BBB help with this in the end.

Close your checking account and demand a payment address in which you will send them a Money order or pay on an PREPAID card. If they dont respond, its their problem. They are illegal and will not want to show up in any court and try and sue you, as they didnt have the right to lend to you. You only owe the principal. Stay Strong in your fight and follow the guidelines on here.

Bottom line, if they dont cooperate, why should you.

well for one an illegal lender can be disputed off your report rather easily.just inform whatever CR entity they are on that this is an illegal loan that your AG is handling.i had two illegals wiped off my CR that way,but they like to threaten things they can't do.that's one of them.btw,once you file your AG complaint do not talk to the pdl's further.they are nothing more than cyber loan sharks who couldn't care less about the law.if they did they would not have lent in the first place.it's not worth your time as you will not convince them especially over the phone.let your AG handle it.

Thank you again....always great advice. Do you have a sample letter that you use to send to the CR, that you can share?

http://www.debtconsolidationcare.com/letters/

i need help. i have global group holdings llc and the seven group trying to withdraw money from my acct. i live in California and can't find any information on these two companies. what can i do? i did get an email from global group but nothing has my signature on it and haven't recieved anything from the seven group. please help.

For a response to Eastside Lenders, make sure you include the Desist & Refrain that was issued by the State of CA Department of Corporations. PM and I can send the notice. Good luck and be persistent. I was able to get a PIF from them a couple of weeks ago.

Who is Eastside Lenders? And can you speak in lament terms. i'm completely new to this and don't quite understand everything...sorry

Is this true.....Fourseasons cash
ALL LOAN AGREEMENTS ARE GOVERNED BY THE INDIAN COMMERCE CLAUSE OF THE UNITED STATES CONSTITUTION AND THE LAWS OF THE CHEYENNE RIVER SIOUX TRIBE. UNITED STATES FEDERAL LAW AND STATE LAW DO NOT APPLY TO ANY AGREEMENTS.

I filed a BBB compliant regarding Eastside Lenders. The first responded saying they would take only principal but this would mean paying the whole principal not deducting what you have paid. I responded to the BBB that this was not acceptable and I had told them not to contact me at work and they did any way. Eastside came back and said they would cancel the loan. So don't give up!

Does anyone know if this correct?
Fourseasons cash and Lakota Cash
ALL LOAN AGREEMENTS ARE GOVERNED BY THE INDIAN COMMERCE CLAUSE OF THE UNITED STATES CONSTITUTION AND THE LAWS OF THE CHEYENNE RIVER SIOUX TRIBE. UNITED STATES FEDERAL LAW AND STATE LAW DO NOT APPLY TO ANY AGREEMENTS.

it just means they are supposedly located on an idian reservation and are not subject to US LAW.fine,but that means they can't do anything without losing that distinction.bottomline they have "tribal immunity"but they really can't sue,garnish,or anything else.they are still illegal in fact most illegal,and treat them as such.

VIP Loan has contacted me again after about 2 1/2 months with no contact....they were telling me that they are turning my pdl over to a 3 rd party...in 10 days if I don't settle up today....I sent them the letter again about how they are illegal and not to contact me via phone at work or else wise, but sure enough they did. Suprise Suprise...after sending this letter to them again as a reminder here is what her response was...


12. Governing Law. This Agreement is made and accepted in the West Indies, and shall be governed by the law of the West Indies, without regard to its choice of law rules, except that the arbitration provisions will be governed by the Federal Arbitration Act. This governing law provision applies no matter where you reside.


This is section 12 of your contract, when you sign a legally binding contract this overtakes everything else. I am able to offer you 10 biweekly payments of $58.50 to get your account paid in full. I will need to set up something today. If not, then your account will be sent to third party collections. We are not breaking any laws.

please.respond that you are not subject to foreign law.your state law prevails,and until they get it through their thick illegal skulls.you will no respond to future emails,or won't take calls.that is the standard illegal piece of garbage pdl response.unless they plan to extradite you to the west indies i wouldn't bother with them anymore.

They're full of crap and are just trying to intimidate you to get you to roll over and pay them. As our resident guru, Paul, said - DO NOT GIVE IN. If they are truly located in the West Indies, then it would seem to me that they have NO LEGAL RECOURSE to "go after you" here in the Unites States. Not only that, but if they are not even legally licensed to conduct this type of financial transaction within your State, then they are even further up the creek without a paddle and have NO RECOURSE against you whatsoever.

In fact, if they cause you any further grief, report them to your State Attorney General's office.

Thanks for the reinforcement, I always feel better after posting these things and having replays!

FYI- I have sent complaints to the State Attorney General, BBB and FTC for all my Pdl's and after I did I stop hearning from them all up until now.

They're probably thinking you've "forgotten" and/or are too naive (as so many people in this nation are - I was one of them) to know better than to play the game BETTER than they can/are.

;)