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I need to get out of my payday loan as soon as I can. I am going into the Military and I can't afford these extension fees every two weeks. I will not be getting a check for at least 2 moths. I am in TN and all of my loans are internet. I am thinking about doing a consolidation but if any of these are illegal I would love to pay them the minimum let them go. Here they are:

Sagamore BB Proc 8772873428
Recieved $200.00 Paid $260.00

Nevis Marketing 8662722072
Recieved $200.00 Paid $260.00

Emerald Marketin 8004968958
Recieved $200.00 Paid $260.00

Fast-CashAdvance.com
Recieved $350 Paid $0.00 ( I Know I will have to pay $350 )




Legal Status: Legal

Citation:
Tenn. Code Ann. ????45-17-101 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: the lesser of 15% of the check or $30
Finance Charge for 14-day $100 loan: $17.65
apr for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: 3 (2 per licensee)
Rollovers Permitted: None (cannot renew or otherwise consolidate)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: One $30 NSF Fee; Court Costs
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Tennessee Department of Financial Institutions
Address: 511 Union Street, Suite 400 Nashville TN 37219
Phone: (615) 741-2236
Fax: (615) 532-1018
Regulatory Contact: Bart Daughdrill,

Sub: #1 posted on Wed, 09/10/2008 - 11:39

danilewis82 danilewis82

(Posts: 296 | Credits: )

and now what ???????????

Sub: #2 posted on Wed, 09/10/2008 - 11:43

Unregistered


from looking at the licensee website the first 3 are not there, but there were a lot fast cash advances. here they are.....


LICENSE # 3235
FAST CASH ADVANCE OF TN, INC. DBA QUICKCHECK ADVANCE OF TN
229 N CALDERWOOD STREET
ALCOA, TN 37701
EXPIRATION DATE: 09/30/2009

LICENSE # 2434
FAST CASH ADVANCE OF TN, INC. DBA QUICKCHECK ADVANCE OF TN
610 DECATUR PIKE
ATHENS, TN 37303
EXPIRATION DATE: 09/30/2009

LICENSE # 3081
FAST CASH ADVANCE OF TN, INC. DBA QUICKCHECK ADVANCE OF TN
3210 DAYTON BLVD, STE A
CHATTANOOGA, TN 37415
EXPIRATION DATE: 09/30/2009

LICENSE # 2435
FAST CASH ADVANCE OF TN, INC. DBA QUICKCHECK ADVANCE OF TN
502 HWY. 321 NORTH
SUITE C
LENOIR CITY, TN 37771
EXPIRATION DATE: 09/30/2009

LICENSE # 2968
FAST CASH ADVANCE OF TN, INC. DBA QUICKCHECK ADVANCE OF TN
4023 HWY 411 NORTH, SUITE A
MADISONVILLE, TN 37354
EXPIRATION DATE: 09/30/2009

LICENSE # 2433
FAST CASH ADVANCE OF TN, INC. DBA QUICKCHECK ADVANCE OF TN
704 WEST LAMAR ALEXANDER PKWY.
MARYVILLE, TN 37801
EXPIRATION DATE: 09/30/2009

Sub: #3 posted on Wed, 09/10/2008 - 11:51

danilewis82 danilewis82

(Posts: 296 | Credits: )

so i would send out a letter to the top 3 saying that they are lending illegally and ask if they would settle, there are a few letters in the diy section

Sub: #4 posted on Wed, 09/10/2008 - 11:53

danilewis82 danilewis82

(Posts: 296 | Credits: )

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