After i close my acct what is the next step

I am confused, you said you closed your acct, but ic said that they would deduct it from you acct, how is that possible if its closed, and had you paid ameriloan anything towards that loan, if so 230 is NOT good.

Post what your original loan was and how much you paid each company thus far..

im sorry if i was confusing. I have NOT closed my acct yet, i spoke with my branch manager and of course nothing can be done until i have a positive balance.
Im not sure what you mean that 230 to pay off ameriloan is not good, now im confused. I had a $200 loan out with them I made 2 $60 payments to them, one was returned and they put it back through and it was paid, they charged a $30 fee. I went through the BBB with the back and forth finally i agreed to pay $200 for the principal and the $30 fee for a total of $230. I already paid $120 in fees and $30 in NSF so I sent them an $80 moneygram last fri and they sent me a PAID in full notice. Is that NOT good as you stated, please explain if i did something wrong.
thank you, i hope i am more clear, and i do want to close my acct as soon as i can and i was questioning what the next step is.

i was saying if you already paid them 200 dollars and they agreed to 230 on top of that for a total of 430 then no thats not good, but what you were saying was that in total you paid 350 on a 200 dollar loan to an illegal company?

if you received your pif then i wouldn't worry about it, as for the other company you need to send them a letter in reference to them loaning to you illegally, you should be obligated what you borrowed from them if they are illegal.

have you paid the other company anything on the 300 dollar loan?

That is great, you did it the right way. I'm glad they marked you paid in full. I had to go through the BBB with them as well to settle.
I'm not sure if you have another thread anywhere with this info, first of all what state do you live in? Who are your remaining pdl companies? How much did you borrow and how much have you paid? If they are illegal then you are only responsible for the amount you borrowed minus any fee's you have paid.

Unfortunately the first step is to get the account closed, that way the remaining pdl's can't get to your money. Once that is done you would send the remaining companies a cease & desist letter, you can get a copy by searching the site. You would also need to file complaints for the remaining companies with the BBB, FTC and attorney general for your state...

Thank you all so much.
I have many other posts here about these loans, im sure we all wish what we know now then like most everthing - we learn the hard way!!
Ill post my info...

ameriloan $200 pd 230 PIF letter!!
Think cash $500 payments of $88.?? they stopped aut deduct
(i know they are legal so wont bother with them.)
little loan shoppe $300 pd -0- arrangements 3 monthly pay
centrunion $200 pd $180 OUCH wont work with me(legal)
impact cash usa $300 pd-0- arrangements 1pay/monthly
checkngo $600 pd-0- returned 2 payments want half end of this month other half 2 wks later OUCH (legal)
MTE (instant cash usa) my favorite...$300 pd -0- 2 returned payments want arrangements for $510 $100 every 2 wks or would take all of $510 _cant work with this one!!!

I sure hope that is it!!
My husband is not getting a check this wk besides due to vacation and this hurts big time!! I m just really worried about our mortgage payment more than anything!!

Any more suggestions, they are all welcome
thank you
wendy

More questions, are there any suggestions as to what else or other options that are out there that i can do. i wish i could close my acct today, but it will have to wait. This is where those pdl get you coming back for more, i need some quick money now and thats what they want you doing is coming to them, but no more of that, are there any other suggestions.
i have even applied for a loan through prosper, but since our credit is so low, we havent had any bids yet, well not much on the whole site altogether, that ive noticed.
things are tight for all of us and these pdl are gaining the benefit of us while we are down.
I am really stuck right now and i dont know what else i can do. I need to come up with close to $1000 altogether to cover my neg accts and house payment, my husband will get a good check next fri, but thats not till next fri!!
Thanks for your suggestion, help and support i greatly appreciate it.
wendy

Have you tried orchard bank for a credit card? They are much lower interest rate and if approved they will overnight the card I think it was all under $60 for a $500 line of credit. If you pay what was used by the billing cycle each month you will save so much more $.