PDL Help

drowning I mean LOL I can't spell

if you could please list the companies that you have the loans with and how much you borrowed and how much you have paid back so far we will be able to help you better. For now just hang in there, things will get better.

you have found the right place for help lots of very nice helpful people here good luck to you!

Drowing, I'm waiting for a response from the Florida Attorney General on my PDL's. If I get some decent information that might help you as well, I'll pass it on.

please list the info asked for so we can begin to help you .

Florida State Information

Legal Status: Legal

Citation:
Fl. Stat. Ann. ???? 560.401 et seq.; Rule 69V-560.901-912

Loan Terms:
Maximum Loan Amount: $500
Loan Term: 7-31 days
Maximum Finance Rate and Fees: 10% + verification fee
Finance Charge for 14-day $100 loan: $15
apr for 14-day $100 loan: 390%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot rollover)
Cooling-off Period: 24 hours
Repayment Plan: Yes

Collection Limits:
Collection Fees: All charges imposed on the lender by any financial institution; lender not entitled to treble damages
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Florida Office of Financial Regulation
Address: Division of Securities and Finance, 200 E. Gaines Street Tallahassee FL 32399
Phone: (850) 410-9805
Fax: (850) 410-9748
Regulatory Contact: ,
Regulator Website

Licensee Database

Complaint Instructions

Complaint Form Link

Online Resources:
Deferred Presentment Providers Information Page

AIP 200 I have been paying 89.00 since Dec of 06
Geneva Roth 300 I have been paying 90.00 Since Dec 07
Think Cash 500.00 88.40 since Dec 07
Impact Cash 250.00 Paying 75.00 since Dec 07
Green Light Funding 150.00 Paying 45.00 since Dec 07

Nothing is in default and I have never missed a payment

Can you just add up what you have paid in total to each, I will help you as will everyone else, but we do need the totals.

AIP since Dec 06?? or do you mean 07? Either way, but just wondering. On a couple of these, just looking at the date in which you started paying, you have paid the principal already. Come on back with how much you have paid.

No I mean DEC 06 on AIP 2006
I have paid greenlight 45.00
Impact 225.00
Geneva Roth 270.00
Think Cash 353.60
and AIP I have paid Over 2000.00 to WOW

I just called AIP and they played the transfer game with me....Then I threw in the BBB thing I read some other people talking about. They took a handwritten message and still have not heard back from them. Can you believe I have paid them over 2000.00 for a 200.00 loan....Lord help me

Hi...thanks for registering. Are you in a position to be able to close your account so they will stop debiting.

Read this thread for more info:
http://www.debtconsolidationcare.com/paydayloan/close-account.html

None of the companies I have loans with look like they are licensed in the state of Florida am I wrong??

No not really. We have AWFUL credit and are in a chapter 13 BK so we don't have good chances of getting a new account. I am currently on the phone with Geneva Roth....trying to see what I can do with them

Just at first glance, I would say no, but check here for sure.


http://www.flofr.com/

That is where I looked. Now where do I go from here....

Great! See my post about closing your account...this is the sure fire way to get thwem to stop taking $$.

Then get letters sent to them....I can post one for you.

That is where I looked and figured out they arent licensed

Great! See my post about closing your account...this is the sure fire way to get thwem to stop taking $$.

Then get letters sent to them....I can post one for you.

Now that you have spoken with these companies PLEASE follow Volley's advice and close your accounts asap. They get wind of something and will go in and take everything. Please close the account asap

YES,TO ECHO VOLLEY AND KASH.CLOSE YOUR ACCOUNT.THEY WILL DRAIN IT DRY,THEN TRY TO GET NSF'S ADDED TO YOUR DEBT.IT IS BEST TO CLOSE IT NOW THEN NEGOTIATE.

your account will look like this listen to all above please!

check out

Be careful about closing your accounts. This can be considered as fraud in some states. I strongly urge you to go through a company. They know the laws for each and every state, as well as who is and is not licensed to loan money in your state.

We also gather the information from guests/members and check/post the state law for every state. We also check/post the licensing information for guest/members. We do not go into this blind. Every piece of information is researched, not just thrown out there. You can see, if you read through the thousands of posts, that we follow the guidelines and laws for each particular state and each particular pdl.