I am in serious trouble. I live in New York City a

Pay day loans in NY state are ILLEGAL. You need to close your bank account ASAP!! Call your banks 1-800 numbers today if possible and close them down. Or visit your bank first thing tomorrow am. You only owe the principal.

A pay day loan expert will be along shortly to help you

we need a breakdown here of the following

1)amount borrowed from each place
2)amount in fees debited by each

SOAPLADY is absolutely right get to your bank see the manager and nobody else and get that account closed pronto.these illegal pdl's will debit forever if you allow it,and by keeping the current account open you are allowing it.go to the sticky titled DEALING WITH ILLEGAL LENDERS at the top of this very forum.it has all you need to get these places out of your life on your terms.we need the info requested to see how much/little you truly owe though.

Ok so here is the breakdown:

MyCashNow:
Orignal Balance: $340.00
Paid As of Today $198.97
Owe $403.31

PayDayMax:
Orginal Balance: $500.00
Paid as of Today: $146.30
Owe: $593.10

RedStoneCash:
Orginal Balance: $400.00
Paid as of Today: $1,112.50 !!!!
Owe $337.50

EZPayDay:
Orginal Balance: $400.00
Paid as of Today: $825.00
Owe $325.00

VIP Loan Shop:
Orginal Balance: $500.00
Paid as of Today: $225.00
Owe: $500.00

Again, I live in New York City. Please help with any information!

As I see it, you only owe:
MyCashNow: You owe $141.03 of Prinicipal

PayDayMax: You owe $353.70 of Prinicipal

RedStoneCash: They OWE YOU $712.50

EZPayDay: They OWE YOU $425

VIP Loan Shop: You owe $275.00 of Principal

Any and all fees/interest you have paid thus far should apply to principal, so any outstanding amounts owed are the balance of principal borrowed.

Hope that helps!

Ok so how would I go about this? I dont want to be taken to court or any serious actions against me. Also, how can I change my handle name? I really didnt want my first and last name as my user name for this forum, quite emabarrassing!

JK is absolutely correct. You need to go to your bank and close that account ASAP. After your account is closed, follow the steps here to guide you through dealing with these lenders.

Ok, but what about the companies still owe money with?

tell them you will pay via money order only and need an address to send them.

There is a template on this site for the letter you can send to the PDLs. Take a deep breath and follow the steps. I even got a refund from one of mine!!!

After I close my account and send them the emails, how would I go about getting a refund from RedStoneCash and EzPayDay?
Also, does anyone know how I can change my user name?

just email your refund requests.as for the user name.PM vikas or jason.they will take it from there.

Ok thanks, I just emailed Vikas. This is such a great site, I am so happy I found it !