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Online Payday Loan Help in Utah

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Thanks is advance for any help that can be offered. I'm amazed by the expertise and help offered here. I have several payday loans that are killing me with the high interest rates which will be listed below. Utah's laws seem to be pretty liberal in regards to payday lenders so not sure how much I can do and if any of these loans are illegal. Below are the lenders and the amounts that I have paid.
Lender----------------------------$ Borrowed------------ $ Paid so far---------------$Owing Still
Eastside Lenders---------------$1000---------------------$1060-------------------------$910
Cash Central---------------------$1500---------------------$1000-------------------------$896
Star Cash Processing----------$600----------------------$960---------------------------$0
Spot Loan--------------------------$800----------------------$680---------------------------$680
USA Web Cash------------------$200-----------------------$174---------------------------$261
Payday One-----------------------$1000---------------------$140---------------------------$1256
Seaside Dollar--------------------$600-----------------------$0------------------------------$750
Vandelier Group------------------ $300-----------------------$260--------------------------$170
Purpose Cash Adv---------------$1000----------------------$0-----------------------------$1250
Most of these loans I have also had previous loans that I paid off with lots of interest before taking out these ones if any of the interest paid on those count for anything toward the current amount owing if they are illegal?




East side Lenders - illegal
Spot Loan - illegal
USA Web Cash - illegal
Seaside Dollar - illegal
Vandelier Group - illegal

Follow the steps mentioned in this link:

http://www.debtconsolidationcare.com/paydayloan/illegal-p dl-dealings.html

Sub: #1 posted on Thu, 09/20/2012 - 23:00

ditchdebt ditchdebt

(Posts: 679 | Credits: )

The Payday One loan you have is not a payday loan, rather an installment loan, so you might have a tough time ahead with it. Moreover, they are legal in Utah. Might want to talk about a settlement with them.

Seaside Dollar and Star Cash Processing are illegal as well along with the ones ditchdebt mentioned.

Sub: #2 posted on Fri, 09/21/2012 - 00:12

Steve Barris Steve Barris

(Posts: 1045 | Credits: )

Any previous loans that you overpaid, apply that overpayment to your current loan.

Sub: #3 posted on Fri, 09/21/2012 - 06:29

OhioGal1 OhioGal1
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(Posts: 5253 | Credits: )

Most of your lenders are illegal. You owe principal only. No need to pay them an extra dime other than the principal. Close down your old bank account and open a new one. Ask them for a refund as you have overpaid them.

Sub: #4 posted on Sat, 09/22/2012 - 00:10

Unregistered


Payday one is legal. I suggest trying to set up an EPP..

Sub: #5 posted on Sat, 09/22/2012 - 09:44

waffles waffles
Moderators Cum Industry Expert
(Posts: 1697 | Credits: )

Thanks for the responses. I've already closed my accounts and I'm currently working on the revocation letters. I plan to email them to the illegal lenders unless it is better to send it a different method?

Thanks a ton.

Sub: #6 posted on Sun, 09/23/2012 - 18:36

johndavidhight johndavidhight

(Posts: 4 | Credits: )

Most will not give you an address or they are offshore and mail cannot be sent certified with return receipt. Email is fine.

Sub: #7 posted on Sun, 09/23/2012 - 18:48

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
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This is the response I got from spot loans, formerly Zest Cash. Do they have any merit to what they are saying?

------------------------------------------------------------------------ ---

We recently received your email questioning the legality of our loan in your state, revoking your prior ACH authorization and refusing to pay your installment loan like you promised to do when you agreed to the terms of the loan agreement. I would like to take a moment to address your concerns.

Spotloan is a brand owned by BlueChip Financial. As a federally recognized Indian Tribe located within North Dakota, we comply with applicable Tribal lending laws and federal laws that do not conflict with our Tribe???s sovereignty, including Federal Truth in Lending, Equal Credit Opportunity Act, Fair Credit Reporting Act, Electronic Funds Transfer Act, Fair Debt Collection Practices Act, and Graham-Leach-Bliley Act Requirements. As a result of Tribal sovereignty, we may legally operate anywhere in America, including your state.

On July 17, 2012, you received $800 in your bank account from Spotloan in exchange for your promise to repay that amount plus interest over your chosen loan term of 3 months. When you took out the loan, you received and agreed to the complete terms and conditions of the loan, including a payment schedule and breakdown of principal and interest. You also authorized us to auto-debit your account for your scheduled payments. You have missed your 2 payments (scheduled for 9/10/12 and 9/26/12) and as of today, you currently owe $584.17

We understand that you have revoked your consent to ACH withdrawals and you are absolutely permitted to do this. We have noted your revocation of consent in your file and we will not attempt to auto-debit your account again. You are, however, still obligated to repay your loan according to the loan terms. This means you are legally obligated to repay both principal and interest.

Since you have opted to no longer permit ACH withdrawals, you may make your payments using a credit or debit card, a prepaid debit card, or by mailing us a money order. To make a credit, debit or pre-paid card payment, please call Tara S at 888-681-6811. To make a payment by money order, please mail it to:
Spotloan
P.O. Box 720
Belcourt, ND 58316.

we expect you to live up to your promise to repay your loan as agreed. Please contact your account manager, Tara S at 888-681-6811 ext 711 or by e-mail at [email]taras@spotloan.com[/email] to resolve this account balance and pay back the loan because when you miss a payment, interest continues to accrue and the loan balance gets bigger (which is not in your best interests - or ours!).

Spotloan is committed to offering financial transparency and helping hard working Americans meet their financial obligations. We would like to resolve this issue and are willing to work with you. Please contact Tara S today to get your loan back on track.

Sincerely,

Heleana
Customer Relations Manager
Spotloan
888-681-6811, Ext 534

Sub: #8 posted on Thu, 09/27/2012 - 07:29

johndavidhight johndavidhight

(Posts: 4 | Credits: )

They're full of it. They know it. Don't buy it.

Respond like this:

Dear Spot on Loan:

I am not an idiot. I am also not a member of your tribe and not subject to your tribe's laws. You can accept the offer I've given you or I can simply not pay you anything further. You decide.

Thank you,
An informed consumer

Sub: #9 posted on Thu, 09/27/2012 - 08:42

OhioGal1 OhioGal1
Moderators Cum Industry Expert
(Posts: 5253 | Credits: )

Just to clarify in case it makes a difference this isn't SpotonLoan.com, but SpotLoan.com and terms seem different than a regular payday loan, however they still aren't licensed in Utah.
Regarding Eastside Lenders this is the conversations I've had with them so far, I've overpaid them $60 so far.
------------------------------------------------------------------------ --------
East Side Lenders
From: sasha hight [mailto:dave.sasha@gmail.com]
Sent: Sunday, September 23, 2012 9:31 PM
To: Brandi H.
Subject: Re: ****Please reply or call Eastside Lenders****
Dear Eastside Lenders,
I have been informed that payday lenders must be licensed by the state of Utah in order to offer loans to its residents. Since I???m a resident of Utah and you have no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. I received a deposit of $1000 on July 17, 2012, and have had 3 withdrawals totaling $1,060 debited from my account. A withdrawal of $300 on July 25, 2012, a withdrawal of $550 on August 10, 2012 and a withdrawal of $210 on August 24, 2012. This results in an overpayment of $60.
At this time I am requesting a return email acknowledging that my loan has been paid in full. In addition I would like a refund of the $60 overpayment . A refund check of $60 should be mailed to me at the address you have on file.
I am also notifying you to let you know that I am revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will not be allowed by my bank or employer.
Please respond to this email with acknowledgment that my account has been satisfied in full and details of when I can expect the refund check in the amount of $60.
Sincerely,
----------------------------------------------------
On Mon, Sep 17, 2012 at 8:16 AM, Brandi H. wrote:
East Side Lenders is responding to your correspondence regarding the above-captioned account.
East Side Lenders, which is located in Delaware, is licensed by the State of Delaware to make small loans. All such loans are approved and funded in Delaware, with repayment to be made in Delaware. The East Side Lenders loan agreement and website contain all disclosures required by Delaware and federal law and make it clear that all transactions are governed by Delaware law. On the advice of counsel, East Side Lenders maintains that the choice of Delaware law as controlling in the loan documents would be upheld, as all of the significant contacts in the loan transaction occur in Delaware. The loan agreement is legal and enforceable. In responding to your correspondence, East Side Lenders notes and reserves all available legal and equitable objections to the points you have raised.
East Side Lenders provided this service as a convenience to you. We still consider your loan to be outstanding and are prepared to go to arbitration as provided for in the Loan Agreement between us. As an alternative, if you are experiencing financial hardship, we will be happy to speak to you about payment arrangements through which you can successfully meet your payment obligations. East Side Lenders will consider doing so because of our continuing commitment to servicing our customers and not because of a legal obligation to do so.
Should you have any further questions regarding this matter, if you wish to speak about payment arrangements, please contact us at (800) 689-5603.
Sincerely,
Customer Service
-------------------------------
Error! Filename not specified.
54107680
sasha hight [email]dave.sasha@gmail.com[/email]
10:41 AM (23 hours ago)
to Brandi
Thank you for your response. I am a resident of Utah and don't have any presence in Delaware so I'm bound by my state laws only. As stated in the previous email, although I'm not legally obligated to pay back the principal amount, I have paid that back already and am only requesting a refund for the $60 that I've overpaid beyond the principal amount. This can be mailed to my address that you have on file for me.
Thanks,
-----------------------------------------
Brandi H.
9:12 AM (48 minutes ago)
to me
54107680
This is in response to your email regarding your loan with us. We are attempting to resolve this matter amicably without protracted legal expenses. Please understand that there are two indisputable facts with respect to your loan with us: 1. You pro-actively sought out a loan with us. 2. With your signed permission, we deposited the funds into your bank account. During this process, you did not raise any objections to the validity of your loan. We lent you the money in good faith. Therefore, you are now responsible for the balance of the loan. We have multiple recourses to retrieve our funds, including collections and legal remedies, none of which will be pleasant. 3. We are willing to do a settlement with you regarding the account if that is something that you would like to do. Once again, you borrowed the funds and we honored your request. We were there in your time of needs. We ask that you honor your contractual agreement and repay what is rightfully ours. If you have any further questions please contact us at 800-689-5603 ext 5382 or via email at [email]Brandi@centrinex.com[/email]

Sub: #10 posted on Thu, 09/27/2012 - 09:09

johndavidhight johndavidhight

(Posts: 4 | Credits: )


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