payday loan help

Where do you live and who is the pdl. We need more info

I live in mississippi and the loan is with paydayloan-yes

Payday Loan Yes Not licensed!
Oranyan House Shirley Street
P.O. Box SS 19935
Nassau, NA
Bahamas
8005506051 Fax -- 8006057419

thank you.

No problem! CLICK HERE to find out how to deal with illegal lenders.

I too am receiving calls from a collection agency stating that they will file a summons and take me to court for check fraud. I live in texas, can they do this?

what is the name of the pdl company? If they are legal they can sue you.

from what i have read they can not charge you for check fraud. You can not go to jail. They can spend the money and take you 2 court and get a judgement against you to pay them. If im wrong someone please correct me

From my understanding TX has very strict rules on check fraud and it may be possible for them to go to court with check fraud charges. We would need to know a little more info like the name of the pdl and if they are storefront or internet.

Payday LOan Yes can threaten until they are blue in the face but suing you isn't an option for them, they aren't licensed.

TO quote: "From my understanding TX has very strict rules on check fraud and it may be possible for them to go to court with check fraud charges. We would need to know a little more info like the name of the pdl and if they are storefront or internet. " If they are an illegal PDL though and this is all ACH agreements you've revoked this would not apply, right?

If they are illegal then no they can't bring charges against you. I was replying to Kathy572 who did not say who the pdl was with. Sorry I should have made that clear.

The name of the company is Cash Net USA

Cash Net USA is a legal CSO in Texas. You will have to make arrangements to pay them back what you owe.

Yes, but do it BEFORE you become delinquent. Kathy I made arrangements with them........4 equal payments over my next 4 paychecks so every 2 weeks for me. Pay them back at TOP OF LIST everyone else that is NOT legal just get in line......I am paying them back with a prepaid Visa One card I got at Randall's and I load the amount of payment on it day I get paid and arranged for them not to hit the card until the next business day because if you mess up an EPP payment with a CSO......all bets are off way Iunderstand it. Prepaid debit card is about 5 bucks when you load payment but is better than giving access via ACH. They were a little snotty but okay to deal with.

I got another call from these people today saying if I didn't call back he would forward my information 2 the DA'S office in the county I live in for criminal prosecution and I would also be served by the sheffies department and summonsed to court and would pay everything that would add up 2 over 2300. I just borrowed 300 from these people. What do I do? Again I live in Mississippi

Tell them to bring it on, they are flat out lying to you! Owing a debt is NOT a criminal matter. Read your pdl laws again below:
http://www.paydayloaninfo.org/state_detail.cfm?id=MS

Note that is specifically states: Criminal Action: Prohibited (When check returned due to NSF)

I called the guy back and told him i called and tried to set up a payment plan before i defaulted and they told me they couldnt do that until the account defaulted. I then told him i emailed and emailed after that asking for a mailing address to mail payment. He told me they would not give me the mailing address i could either pay with debit,credit or western union. I told him to just do what he said on his message. Send the info to my states attorney and we would go from there. I told him i had all emails i have sent and also all of there replies. I was ready for whatever he wanted to do. He started off by saying i owed over 700.00 but then he said he would settle for 400.00. Keep in mind i only borrowed 300.00 Should i just wire them the money and be done with it or just say the hell with it until they give me the mailing address and i send them what i borrowed;/

If it were me, I would flat out tell them, NO ADDRESS - NO PAYMENTS! But that's just me, do what you are most comfortable with. :)

I am going to demand an address in writing as soon as they send me the email stating the amount we agreed on. I told him i would do nothing until it was in writing. He first told me he could not send me a email or even u.s mail. I told him no deal then,he then said someone else was there that would send me a email then Well that was over 2 hours ago and still no email.

They sent me the email today. Here is what they sent. i replyed saying i would pay but only by money order by mail. see what they say

As of today your total account balance is $590; loan payoff is for $400 to
close your loan account and as agreed your account has been marked confirmed
for one (1) Western Union Quick Collect payments with $400 due on 06-26-09,
via Western Union and for your convenience the Western Union information you
will need is listed below.

* Very Important:
* Once you make your payments you will need to call Mr. Andrews with
the MTCN#, (ask the clerk to circle this on your Western Union receipt) that
way he will make sure that your payment is promptly posted to your account.
* Your account balance has been frozen and you have been removed from
further collections process.

Western Union Quick Collect
Payable= Global
Code City= Usacash (one word)
Code State= DE
Acct# = Your ss# (no dashes)

anyone else got a respnse like this from them?

I have a few PDL out now. PDL's are illigal in my state of New Jersey; does this mean I am bound to pay them back?
I would also like to know if the following companies are legal.

Stcadvance.com
Instantloansnow.com
Loanshop/Whistle
Eastside Lenders
Integrity Advance
Big Cash
Biggest Cash
Rocyboy Tech

If pdls are illegal, which they are in NJ, then NONE of the companies are legal in NJ.
You are only obligated to repay the principle amount borrowed.

Patricia we advocate paying back the principal amount you borrowed, none of your lenders are licensed to lend to N.J. residents. CLICK HERE to find out how to deal with illegal lenders.