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What are some of the things you guys did to get a refund of overpaid charges from some of these companies?
The companies I am currently trying not to deal with are:

Bottom line, they owe me (according to Washington State Law anyway). I'm not paying them another dime.
I really hope they break more laws, especially the Fair Debt Collections Act. I really really hope they break those laws. I'm looking forward to it.

Any advice would be greatly appreciated. Also, I've done a little research, but haven't found what I'm looking for, does anyone know, in order to file suit against these companies, do you have to file in the county/state where they are located? Wouldn't it be nice to get a judgement against them, and sell it to a collection agency when they didn't pay? Hahahah. That would be awesome!! Maybe they would have to get some illegal payday loans to pay me back!!!

Thanks again.

Going Deep

Send a letter via certifed mail/return receipt requested to the payday lender and tell them that after taking a loan with their company, you have been made aware of your state's payday lending laws, of which they are in violation.

List out what your state's laws are and how the payday lender is violating that (i.e., illegal interest rate).

Then state that due to the amount of $_____ that you have overpaid according to your state's payday lending laws, you are requesting this amount to be refunded to you. If the lender is not prepared to comply with your request, you will be filing complaints with the Better Business Bureau and your state's Attorney General's office.

You can also send an email to the lenders stating the same info as the written letter, but even if you send an email, make sure you still send the letter via certified mail/return receipt, so you have proof that it was delivered and signed for.

The only one of the lenders on your list that I have had any experience with is, and they go by numerous names. They were horrible to deal with and sent something through to my employer to try and get my wages garnished. So, I would recommend that you include a statement in your letter saying that you revoke the voluntary wage assignment that they include in their loan agreement. has a couple of dummy address in the U.S., but from what I could tell, their actual location is in Canada. I sent my letter there and it was signed for and they backed off. If you need the info., let me know.

Sub: #1 posted on Fri, 10/05/2007 - 07:07

Tiffany99 Tiffany99

(Posts: 1059 | Credits: )

Hi Tiffany, thanks for the info. I forgot to login in before I posted that. I thought they were in Canada also, but on the contract they list Malta as their place of business. Who knows? If you don't mind, could I have the Canadian address? I received a phonecall from "Ty" the other day at work. They're not suppossed to call me at work, it's against the law for them to contact my chain of command. I of course informed him of that. I told him I wanted to make arrangements to pay back the loan (even though I have way way way overpaid!). He said can't do it. I informed him of the laws here in Washington, the military rules, etc etc. He tried to argue, but he didn't seem that unpleasant. He called me back today, hahaha, he seemed like he was in a good mood. He left me and message and said something like "I have good news for you, bla bla bla, call me back before the long weekend". I called him back and didn't even let him talk, I told him it was too late to talk, that I've already initiated action against them and then I hung up. They owe me a ton of money and I intend to collect it. I'm not sure how, but I'm going to one way or the other. I really hopes he tries to garnish my wages. Hahahaha. They'll tell him to get bent. My Command Master Chief will choke the guy through the phone!! Hahaha. I've seen him do it.
I'm gonna bug the hell out of them until they either change their numbers or pay me back. There are no laws stating how many times a customer can call a creditor!! Hahahah.

Going Deep

Sub: #2 posted on Sat, 10/06/2007 - 02:51

submarinesailor submarinesailor

(Posts: 114 | Credits: )

Hi guest. I have dealt with 500fastcash. They are part of the infamous MTE organization! Do a search for them and read what some of the members have experienced. I wasn't owed a refund from them, so I never contacted them regarding one. I just know that MTE is difficult to deal with and WILL try to make illegal threats against you. As for breaking the fdcpa rules, the debt will actually have to be sent to a third party collection agency to do that. BUT, if they are sent to third party ca, then definitely keep track of their collection practices. Also, file, file, file with you state's regulation agencies! :-)

Sub: #3 posted on Sat, 10/06/2007 - 10:51

eleroo eleroo

(Posts: 1220 | Credits: )

The contact info I have for Cash Transfer Centers is:

E-Care/Cash Transfer Centers
13696 104th Avenue
Surrey, BC Canada V3R 1V9

Sub: #4 posted on Sat, 10/06/2007 - 17:02

Tiffany99 Tiffany99

(Posts: 1059 | Credits: )

Good luck sub...I mean that. I along with others here were just happy to be able to get a PIF and closure. I too am owed hundreds of state AG said it is possible to take them to small claims court but I'm not...just happy that most of mine are out of my life now. Please keep us informed as to your success...

Sub: #5 posted on Sat, 10/06/2007 - 20:49

Morningstarr430 Morningstarr430

(Posts: 2329 | Credits: )

Good luck and do keep us posted. I'm hoping you get a big fat refund from those bloodsuckers.


Sub: #6 posted on Sat, 10/06/2007 - 21:03

ladybug ladybug

(Posts: 2757 | Credits: )

Probably won't get a refund, but gonna keep trying. I wonder if there are collection laws against consumers? Can I call them whenever I want, get abusive, etc etc? Hahahah.

Sub: #7 posted on Tue, 10/09/2007 - 19:55

submarinesailor submarinesailor

(Posts: 114 | Credits: )

Refunds are worth tryign for . . . But can be hard to get. I say shot for a refund, but know when to settle for the Paid in Full.

Sub: #8 posted on Wed, 10/10/2007 - 07:22

goudah2424 goudah2424

(Posts: 7936 | Credits: )

can anyone tell me the laws in texas as to whether i am paying to much in fees i have a loan with and i live in texas

Sub: #9 posted on Tue, 12/11/2007 - 14:10


You will find the Payday loan laws for Texas here (just select your state), dls-laws.html

Sub: #10 posted on Tue, 12/11/2007 - 15:56

cannr cannr

(Posts: 9317 | Credits: )

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