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multiple payday loans in iowa

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I live in Iowa and have multiple online payday loans. I had every intention of paying them when they were taken out. It was to the point I was taking out another to cover the others. It was so stupid. After being consumed with payments, my whole check was being taken. I did follow the steps on this thread to stop payments to these places. I have not been able to make any type of payment to them at this time. I did check with the Iowa General Attorney ofc and a debt consolidation company. Online payday loans are illegal in Iowa. I have a disease that is treatable but incurable, so I miss alot of work. Below is a list of the loans. I am not sure of the repayment amounts each has received. I do know some of the smaller ones have been overpaid.

Netpdl 200.00
Seaside dollar: 400.00
Greatrock: 400.00
Castle payday: 700.00
Checkadvance USA: 300.00
Bestpaytoday: 300.00
Greatplains Lending: 800.00

I did send en email to each company telling them they are illegal in Iowa and that my bank account was closed. I did tell them I would pay on the original loan amount only. I asked that they send me their address for payment to be sent. Most of them did not reply with an address. I received an email from Allied Fidelity Services on 4/15/13 saying they are collecting on the Great Rock debt for a balance due of $640.00. I had 30 days to respond. I did send the cease and desist ltr to them I found on the forum, but sent it thru their email. They are now calling my cell phone and my work phone. There is an address for Allied in the email. I am unsure what to do at this point.

Keep sending your emails that you will be pay back original amount borrowed, only and on your terms and to an address provided. If they want their money, they will comply with your wishes. As far as the C&D goes, I would send CMRRR so that you have an actual copy of their receipt. Keep us posted on your progress and remember that we are here to help!

Sub: #1 posted on Thu, 06/06/2013 - 13:01

bingonut bingonut

(Posts: 1433 | Credits: )

what is CMRRR? In the other forum it said to answer the call and ask for a debt letter to be sent within 5 days. if they send one then send the debt validation letter. Do you do this? Or is this just not for illegal loans?

Sub: #2 posted on Thu, 06/06/2013 - 13:56

stressed stressed

(Posts: 2 | Credits: )

You need to send the cease and desist via certified mail return receipt not bother with a validation . Send this

Dear Allied

I hereby demand you cease and desist any and all contact with me and anyone associated with me in regards to account #_____________, original creditor ____________.

You are collecting on a payday loan that is unlicensed in my state of Iowa and thus the loan document is null and void. You have already violated my email cease and desist. Should you violate this order, I will happily pursue you for statutory damages for violations of the FDCPA.

Govern yourself accordingly

Sub: #3 posted on Thu, 06/06/2013 - 14:02

Moderators Cum Industry Expert
(Posts: 17282 | Credits: )

I dont know how it is in other states, but I know these payday places have turned me in to something called clarity. this is some type of new credit bureau. My credit score has dropped alot. Have you heard of this and is there anything I can do? I am requesting a copy since I still have the address one of the payday places sent me.

Sub: #4 posted on Thu, 06/06/2013 - 14:10

stressed stressed

(Posts: 2 | Credits: )

Most reputable creditors deal with the big three credit bureaus.

Clarity's data sources of alternative financial services providers include: check cashers, debit card issuers, prepaid card issuers, short term installment lenders, peer-to-peer micro lenders, title loans, internet

Sub: #5 posted on Thu, 06/06/2013 - 14:16

Moderators Cum Industry Expert
(Posts: 17282 | Credits: )

I am sending my c&d ltr today by certified mail. allied does not have my current address since I just moved. Should I provide this on the envelope to them? I am just worried.

Sub: #6 posted on Fri, 06/07/2013 - 08:49


Personally, I would not provide it. They are illegal and they do not have to know anymore about you than they already do.

Sub: #7 posted on Fri, 06/07/2013 - 10:34

bingonut bingonut

(Posts: 1433 | Credits: )

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