My husband is ready to divorce me over pdl's please help.

Who are your lenders, are they interent or storefront, and how much have you paid towards them?

my lenders are all by internet, htey are as listed

instantcash911 loan amt 650.00 pd approx. 850 in fees
nationwidecash loan amt 300. pd 100 and they say i still owe 380.00
paydayavenue loan amt 200. pd 136.00 they say i still owe 136.00 with fees included
loanpointusa loan amt 300.00 have pd approx 720.
littleloanshoppe i can't remember
paydaymax is showing to be paid
The cashspot i can't remember
I will have to get a statement from my closed account to check the amounts. I will appreciate any advice you can give.

Alabama requires Internet based pdl's to be licensed by your state. CLICK HERE to check the Alabama licensee data base, I suspect that most of yours aren't licensed to lend in your state. I will do some checking.

Quote:

The list below are lenders who are not legally operating.

'customerService@nationwidecash'
Nationwidecash.com
314 North Riverside Drive
Espanola, NM 87532

Loan Point USA
1-800-351-8820 Ext: 304
1-800-351-8830 Fax
[email]kroddy@loanpointusa.com[/email]

Payday max - Also known as Credit Protection Depot
Paydaymax
support (@) CreditProtectionDepot.com

little loan shoppe
Nelson, Dee
1801 W Broadway
Suite 201
Spokane, WA 99201
us
+1.5093288600 Fax: +1.5092321108

Instant Cash USA I'm not sure if this is the same one you are dealing with????
515 G SE
Miami, OK 74354-8224
phone: 1-888-255-1110
fax: 1-877-660-2030
email: customercare @ instantcashusa.com *


Payday Island Check your data base to see if they are licensed.
PO box 150629
Ogden Utah 84415-0629

I hope the information below will help you. :)
You are only obligated to pay back the principal amount you borrowed from an unlicensed/illegal Internet Payday Lender.
[quote]
What should you do?
Close your account asap, if you are unable to close your account, go into your bank and ask to speak with the Branch Manager, tell him/her you need a hard debit block placed on your account immediately! Explain that you are revoking ACH authorizations from unlicensed/illegal companies, and have learned these companies are notorious for ignoring revocation, therefore it is important to BLOCK any withdrawal attempts on your account to protect your interest. This is your privilege, do not accept no for an answer. The following link will provide you important information regarding closing accounts. CLICK HERE

What next?
AFTER your account is secure send each pdl (the unlicensed and illegal) an email similar to THIS (please scroll down to locate letter template). Tailor this letter to your needs, and try to write it with the same basic concept in your own words. You will need to research and locate email addresses/physical addresses if you don't already have them, I suggest that you type the name of the pdl (example: "oneclickcash address") in the search box in the upper right hand corner of this forum. You may also search for addresses HERE at the Better Business Bureau.

File complaints: Most of the time, you can file a complaint online with the following, I encourage you to follow through with doing so, you will need to search the Internet for your state Attorney General's website, however, here are links to file complaints for the FTC, Online complaints: Federal Trade Commission., and the BETTER BUSINESS BUREAU.

Keep in mind that you may not receive a response for days, or even weeks, or, you may receive harassing and threatening phone calls. I have found the best way to deal with this is not to respond or reply, simply hang up.

Side note: If you have paid an illegal/unlicensed payday lender above and beyond the principal amount you borrowed, it might be a good idea to demand a refund and a paid in full letter/receipt. You may or may not get one or both. It still doesn't hurt to include that tidbit in your letter. :)[/quote]

So far I have only been threatened by nationwide cash the guy said his name is Mr. Mitchell he is very rude, and told me I am a liar and that I am commenting fraud. And from payday avenue. They are the only ones calling me right now. Should I send the letter to all of them even though the others aren't really bothering me yet.
And no instantcash usa is not one I'm dealing with, it's instantcash911 also known as fastmoney911. Thank you for the advice I can use all you can give me.

I have set payment arrangements with these companies but have not been able to keep them, because I had to pay my bank for nsf's to close out my account. should I send them the letter to stop all transaction. Since I've made arrangements to pay them by moneygram. PLEASE HELP ME!!! I don't want to go to jail I have 2 children and I don't want them to find out about all this. Not to mention that would probably push my husband over the edge and he will divorce me.

I Sent a c&d letter to nationwidecash and I just recieved a phone call from Mr. Mitchell saynig they are in Delaware and I have to go by their law, and they are going to prosecute me for fraud, If I don't stop avoiding them. PLEASE HELP!!!! I'm scared of what they will do.

It doesn't matter WHERE they are located, if they aren't licensed by your state, then they loaned you money illegally. Your state law prevails. Please calm down, these are common scare tactics made by these types of companies. :)

Here is a copy of the email I recieved form Nationwidecash. Please tell me what to do next. I'm really terrified they say I owe 4100. on a 300. loan.
Nationwidecash Inc

P.O. Box 333

Claymont DE 19703

(P) 877-711-1199

(F) 866-808-7187











December 17 2008



Balance: $4100



Dear: xxxxxxx



Our records indicated that we have recently received a stop payment on your ACH obligation with Nationwidecash Inc, and this matter need immediate attention.

Placing a stop payment on our companies Pre Authorized ACH Agreement is being viewed as a flagrant attempt to breech your contractual agreement with Nationwidecash Inc.

It is truly imperative that you contact our office within the next 24 hours to make voluntary resolution on this account. Failure to comply with terms will result in Nationwidecash Inc. notifying your financial institution and enforcing our Pre Authorized ACH Agreement, along with proceeding with full legal action against.





Sincerely,

Mr. Mitchell

877-711-1199 ex 521







This is an attempt to collect a debt and any information obtained will be used for that purpose.

I would simply reply:

My state law prevails, YOU broke the law.
Have a nice day.

I' m sorry I didn't mean to confuse you I'm just in a panic here.
Thank you so much for helping me. I look forward to getting advice from you its keeping me sane here. Otherwise I think I will probably go crazy worrying with this.

No problem, I know how it is to be in a state of panic, please keep us posted, we care!

The account they were authorized to withdraw from has been closed can they still try to get money from a closed account.

They will try. You will have to watch your account and if any debits come through, you will have to talk to the branch manager.

Well the account has been closed for over a month now. Can I call the bank will they tell me anything on this account with it being closed.

They should be able to look up your account with your account numbers. I know my Credit Union was able to pull statements from a closed account from over a year ago.

I received a letter from one of the 5 pdl stores telling me that my check had been returned as a closed account, and that if I didn't pay for it, they would be turning it over to collections. That very same day, the same store called and said that if I would pay as little as $5, that would take my name off the list for turning it over to an attorney. Don't fall for this type of tactic!!! The moment you make any kind of payment, the statute of limitations clock starts ALL OVER AGAIN!!! And, too, they are sure to realize that if you can't pay them, how would you pay an attorney too?! ESPECIALLY if your income is exempt funds. None of us in this forum intentionally put ourselves in this situation, although personal responsibility does plays a large part. I, for one, have learned my lesson, and after 6 years and many, many pdl's, feel that they've made enough money off of me already!!! Intentionlly getting a pdl with no intention of paying it back is indeed fraud in my book, but with us in this forum, that is NOT the case. We've simply found ourselves in a situation that we just don't have the money to pay!!!

They haven't sent me any letters by mail only phone calls and one letter by email. He also told me that I couldn't pay any amount. That pdls should be treated as a car payment or house payment and you can't just send them whatever amount you choose. I just haven't been able to send any money with it be so close to christmas and having two children to buy for. but after the holidays if I start sending them some money do you think that will keep them off my back. and I'm not paying $4100. on a 300. loan, that I've already sent them 100. on so I should owe them 200.+ the 90 finance fee. Thats all I'll will give them.

I called the bank about my closed account and they said that my account is indeed closed and no ach debit have caused it to reopen. But today I recieved another called from Mr. Mitchell at nationwidecash after in sent the c&d letter. He's the olny one calling me right now. Should I return his phone calls? or just ignore him I don't want him to keep calling my job it might cause me to get fired.

I would ignore him, eventually he will give up on calling you.

Shazzers, Thank you so much for all your good advice, I will keep you informed with what happens.

You're welcome, take good care!

sadly,that is how illegal pdl's will get your supposed balance up.just keep in mind no matter what they do.you only owe the amount borrowed.nothing more. a little slow again.was responding to the question about debiting a closed account.D'OH.

I recieved an email from instantcash911 stating that my loan is paid in full (I haven't paid them anything else on it since November). And then the next day I recived another email stating that I owe them money, so what should I do. I kept a copy of both emails.

Yes. I would keep a copy of everything.

I would respond to the email about still oweing them money and copy and paste in the email that stated it was PIF.