payday disaster in florida
Date: Sun, 12/14/2008 - 06:59
Hi I posted this the other day when I joined but I don't think I did it right so hopefully now it's ok...I really need help..thank you all in advance!!
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Hello! My name is Molly... I think I have all the info I need to post so that someone might be able to help...First of all I live in Florida and all of these loans are internet.
1) united cash- original amount $200 on 8/24. paid $60 on 9/12, $60 on 9/26, $30 on 10/16, $120 on 10/24, $50 on 11/07 and $60 on 11/07... The balance as of 12/11 is $225....
2)Cash Star group- original amount $300 on 9/15. pd.$90 on 9/26, $90 on 10/10, $90 on 10/24, $90 on 11/7 and $50 on 11/7...I don't know the balance as I can't find any info on that loan...can't find a number online to call either...
3) Think Cash (now 1st bank of delaware) original amount was $750 and the only payment I could find (uh-oh) was on 11/18 for $88.79...also don't know the balance
4) Initial Equity(also paradisecash advance) original amount $300 on 10/21. pd. $75 on 11/7 and $75 on 11/21...Balance as of 12/11 is $375
5)Paycheck today- original amount $300 on 10/15.. pd.$90 on 10/24, pd.$90 on 11/07 and $90 on 11/21.. unsure of balance..
6)oneclick cash- original amount was $250 on 10/03 and pd. $75 on 10/24 and $75 on 11/21...unsure of balance
7) Nationwide (and I'm having problems figuring this out..it looked like the same company as paradisecash advance but there were two different deposits) original amount was $400 on 10/02, pd. $120 on 10/10(8 days later? what was I thinking?) pd. $120 on 10/24, pd. 120 on 11/7 and pd. $120 on 11/21....
I know it's alot and it's totally overwhelming... I've never been good with things like this and I need help please....The fees are killing me...one of them hit my bank account 5 times in one day with bank fees of $35 each time OUCH!..that one is the one I can't find any info on......
Thank you , anyone, for your help and advice!!!
Molly
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Hello! My name is Molly... I think I have all the info I need to post so that someone might be able to help...First of all I live in Florida and all of these loans are internet.
1) united cash- original amount $200 on 8/24. paid $60 on 9/12, $60 on 9/26, $30 on 10/16, $120 on 10/24, $50 on 11/07 and $60 on 11/07... The balance as of 12/11 is $225....
2)Cash Star group- original amount $300 on 9/15. pd.$90 on 9/26, $90 on 10/10, $90 on 10/24, $90 on 11/7 and $50 on 11/7...I don't know the balance as I can't find any info on that loan...can't find a number online to call either...
3) Think Cash (now 1st bank of delaware) original amount was $750 and the only payment I could find (uh-oh) was on 11/18 for $88.79...also don't know the balance
4) Initial Equity(also paradisecash advance) original amount $300 on 10/21. pd. $75 on 11/7 and $75 on 11/21...Balance as of 12/11 is $375
5)Paycheck today- original amount $300 on 10/15.. pd.$90 on 10/24, pd.$90 on 11/07 and $90 on 11/21.. unsure of balance..
6)oneclick cash- original amount was $250 on 10/03 and pd. $75 on 10/24 and $75 on 11/21...unsure of balance
7) Nationwide (and I'm having problems figuring this out..it looked like the same company as paradisecash advance but there were two different deposits) original amount was $400 on 10/02, pd. $120 on 10/10(8 days later? what was I thinking?) pd. $120 on 10/24, pd. 120 on 11/7 and pd. $120 on 11/21....
I know it's alot and it's totally overwhelming... I've never been good with things like this and I need help please....The fees are killing me...one of them hit my bank account 5 times in one day with bank fees of $35 each time OUCH!..that one is the one I can't find any info on......
Thank you , anyone, for your help and advice!!!
Molly
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Payday loan laws of Florida are: - Quote:Legal Status: Legal
Payday loan laws of Florida are: -
Quote:
Legal Status: Legal Citation: Fl. Stat. Ann. ???? 560.401 et seq.; Rule 69V-560.901-912 Loan Terms: Maximum Loan Amount: $500 Loan Term: 7-31 days Maximum Finance Rate and Fees: 10% + verification fee Finance Charge for 14-day $100 loan: $15 apr for 14-day $100 loan: 390% Debt Limits: Maximum Number of Outstanding Loans at One Time: One Rollovers Permitted: None (cannot rollover) Cooling-off Period: 24 hours Repayment Plan: Yes Collection Limits: Collection Fees: All charges imposed on the lender by any financial institution; lender not entitled to treble damages Criminal Action: Prohibited Where to Complain, Get Information: Regulator: Florida Office of Financial Regulation Address: Division of Securities and Finance, 200 E. Gaines Street Tallahassee FL 32399 Phone: (850) 410-9805 Fax: (850) 410-9748 |
