just started god help me

well if you could answer these two questions for us.

1)how much was borrowed
2)how much was debited by them thus far

since you have lurked you should also know that since pdly is totally illegal you only owe the principle,and anything debited in fees goes towards the loan principle.for example:

you borrow 300.00 from them.they debit three times for 90.00.you only owe them 30.00.try to answer the two questions.you might be suprised by how little if anything you do owe them.

i borrowed 250.00 from them they tried to take out 10.00 somekind of fee. like i said i closed my account, put a fraud alert on everything.they want 375.00 back what do i do?

well even if nothing was debited at all.you only owe them the 250.00.check to see if anything at all was debited by them.deduct it from the 250.00.here is what you do.go to the sticky titled DEALING WITHH ILEGAL LENDERS at the the top of this very forum.it will give you all the steps and template letters you need to get this very illegal lender out of your life.

Can someone help me? I live in Missouri. I have 4 payday loans. One click cash borrowed 400 started in 12/15/2010 and have payed 120 every two weeks and then 120 plus 50 3/18/2011. speedy cash borrowed 500 haven't payed yet is due 3/25/2011 usa fast cash borrowed 400 1/7/2011 have payed 120 every 2 weeks tell present. my cash now borrowed 600 2/25/2011 payment due 3/25/2011. my bank account is over by 580. and they will be taking away my overdraft protection. these are all online loans.

One Click Cash is not licensed to lend in MO. You are only required to repay them the principal amount of the loan. You have overpaid this loan by $370. They owe you a refund.

US Fast Cash is not licensed to lend anywhere in the U.S. You are only required to repay them the principal amount of the loan. You have overpaid this loan by $200.

Speedy Cash and My Cash Now are licensed lenders. You will need to repay them. I would ask each for an Extended Payment Plan. Generally, they will allow you to break your payment into 4 equal payments with no further interest accruing...unless your state's laws specify otherwise.

Your first step is to close your bank account. Follow the advice in [URL="http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html"]this thread [/URL]and you'll be well on your way.

Is there a letter template on here to send the legal payday loan places to tell them that you have closed your account and to try to get an extended payment plan? Or should you call them? Can't close my account yet as we have no money to make it not overdrawn. We did change our deposit to a prepaid card. Sorry, but we are stressing here! Thanks for any and all information!

thanks for your help. ill pay them the 250.00 on a pre paid credit card. is that the best way?

I would go into your bank and talk to the branch manager. 2 of your loans were illegal. You may be able to get some of that money reversed and fees reimbursed. Also, if you click the thread I referenced above, there are sample letters/emails there. Yes, I would use the prepaid card. I would only deposit the amount you want to pay them, however...just as a precaution.