Payday Loan Nightmare

Welcome to the site. Take a deep breath we can help you here. We need to determine if your internet companies are legal. The store front is most likely operating legally. You'll need to work out a payment arrangement with them. Best thing to do is to speak to the branch manager. They seem to be more willing to help then the regular clerks. If you can please register so we can get your state laws posted for you.

Hello guest, I am from Ohio too. First thing I noticed is Payday OK, no license to provide loans for Ohioians, I know this for sure because I have personally dealt with them. All you owe them is the principal amount you borrowed, so it would be in your best interest to add up what you have paid to them, if you have paid them more then the principal amount, they owe you a refund, that doesn't mean you will get one, but if I were you I would sure try! Unless they have recently gotten a license (Payday OK) to loan money in Ohio (which I doubt), then you need to report them to the FTC and the BBB! How much have you actually paid to these Internet companies?

Here are the Payday loan laws for Ohio (just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

You really are going to have to contact the Store front loan to make payment arrangements, I have also dealt with cash land and I can tell you from experience that they are not nice when you default, as lmk3524 suggested, ask to speak with the Manager, don't even try dealing with the clerks, they are trained to pressure you into paying more than you can afford, unless you have a good rapport with them. That's my advice for the storefront.