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Date: Thu, 07/24/2008 - 12:34

Submitted by krimefighterqt
on Thu, 07/24/2008 - 12:34

Posts: 6 Credits: [Donate]

Total Replies: 4


I am in California
I owe:
One Click cash $650...Paid $450 in finance ONLY
One Step Cash $195..Paid $305
Cash Central $390 ...paid $0
United Cash $390...paid $0
Payday One #294.10...paid $0


Here are the state laws regarding pdl's for Cali.

Quote:

California State Information

Legal Status: Legal

Citation:
Cal. Fin. Code ???????? 23000 to 23106

Loan Terms:
Maximum Loan Amount: $300
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 loan: $17.65
apr for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot charge fee for extension)
Cooling-off Period: None
Repayment Plan: Voluntary (no fees may be charged in conjunction with payment plan)

Collection Limits:
Collection Fees: $15 NSF fee
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: California Department of Corporations
Address: Financial Services Division, 1515 K Street, Suite 200 Sacramento CA 95814
Phone: (866) 275-2677
http://www.corp.ca.gov/


lrhall41

Submitted by PinkLady on Thu, 07/24/2008 - 12:39

( Posts: 1720 | Credits: )


Also check out this link regarding closing your bank account.
www.debtconsolidationcare.com/paydayloan/close-account.html

I have dealt with Paydayone and for me they were easy to deal with, they accepted a payment plan from my debt management company. I believe paydayone may also be the only licsened lender you have listed.


lrhall41

Submitted by PinkLady on Thu, 07/24/2008 - 12:43

( Posts: 1720 | Credits: )