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Payday loan hell

Date: Sat, 08/30/2008 - 10:27

Submitted by batman007
on Sat, 08/30/2008 - 10:27

Posts: Credits: [Donate]

Total Replies: 13


I am currently in payday loan debt for about $4000 and I can see no way out. ANY IDEAS?


Bankruptcy, hire a settlement company (there are couple that specialize in PDL's) or do-it-yourself with the help you can get from other posters. Personally I prefer the do-it-yourself approach but some people are willing to pay someone else to deal with the aggravation.

What you should do now is post the state you live in, who you borrowed from and how much you borrowed from each. Someone will be along to give you advice.

Good luck.


lrhall41

Submitted by FreakyFriday on Sat, 08/30/2008 - 10:31

( Posts: 490 | Credits: )


I Live in florida and have these outstanding loans can anyone help?
Here are my current outstanding loans.

Who Owe Fee

CashnetUSA 751.00 125.00
Fastmoney911 750.00 125.00
Smartchoice 350.00 105.00
Littleloanshoppe 300.00 90.00
Interigty advance 400.00 120.00
Cashcentral 300.00 77.00
Zip19 500.00 100.00


lrhall41

Submitted by batman007 on Sat, 08/30/2008 - 10:54

( Posts: | Credits: )


Florida requires Internet based pdl's to be licensed by your state, however, there are some lenders which are CSO's (Credit Service Organization) which would not follow the laws below. I am not that familiar with how CSO's operate, so I would advise you to check back every now and then to see if anyone else has responded with advice. :)

Quote:

Florida State Information

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
Regulatory Contact: ,


lrhall41

Submitted by Shazzers on Sat, 08/30/2008 - 12:08

( Posts: 17344 | Credits: )


You can CLICK HERE to see if any of your lenders are licensed in the state of FL, however, keep in mind that some of these might possibly be CSA's in which case the FL payday loan laws would not apply to them.

Zip19's mailing address: Unlicensed/illegal
Northway Broker Limited,
Level 8 Suite 3, Plaza Commercial Center, Bisazza Street,
Sliema, SLM15, Malta
Phone: 1-877-947-1947 (Toll Free)
Fax: 1-866-202-6498
Email Address: [email]customercare@zip19.com[/email]

little loan shoppe???
Nelson, Dee
1801 W Broadway
Suite 201
Spokane, WA 99201
us
+1.5093288600 Fax: +1.5092321108

NLS also known as cashadvance ????????
1-877-995-1400
"NLS CASHADV also goes by National????????s Cash Advance and Payday Loan Center" or "Cashadvance.net".
Their phone number is 1-877-995-1400


lrhall41

Submitted by Shazzers on Sat, 08/30/2008 - 12:22

( Posts: 17344 | Credits: )


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lrhall41

Submitted by on Sun, 09/28/2008 - 01:58

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MyCashNow will not give me a physical address, I think they are a scam. Please help me find out what my laws are in Louisiana


lrhall41

Submitted by on Mon, 10/13/2008 - 12:56

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This is what I have for them, I also believe the are SGQ Ltd.
my cash now
p.o. Box 229
Margaretville, NY 12455

If anyone else has better info please provide


lrhall41

Submitted by on Mon, 10/13/2008 - 13:15

( Posts: | Credits: )


This is what I have for them, I also believe they are SGQ Ltd.

my cash now
P.O. Box 229
Margaretville NY 12455

If anyone has better info please provide.


lrhall41

Submitted by kfstaff24 on Mon, 10/13/2008 - 13:17

( Posts: 1448 | Credits: )