Payday loan help

What state do you live in? How much have you paid on these so far including fees and interest?

I reside in FLorida and the amounts are as folllows: VIP PDL Group LLC: 345.00 (paid 150.00 so far)
SSM Group LLC: 390.00 (Paid 180.00)
LLS America: 390.00 (Paid 210.00)
Mycashnow: 620.00 but was informed after its paid off it will have totaled 728.00 (Paid 200.00)
I tried to be as acurate as possible.

You can check to see if any of them are licensed to lend at the link below, you can also check and see if any of yours are listed as Credit Service Organizations at the same link,
https://real.flofr.com/ConsumerServices/SearchLicensingRecords/Search.aspx
I don't think any of yours are legal lenders but you should double check. CLICK HERE to find out how to deal with illegal lenders.

Ok I have searched all and no records were found on these online lenders. What to do next? And Id like to Thank You for helping me!

I didn't think any of them were legal, just follow the guideline on how to deal with illegal lenders at the link I gave you above. Please make sure your account is closed BEFORE you send out any letters. Keep us posted!

just got this email today from Credit protection depot (mycashnow)
Credit Protection Depot
1-866-645-1661

Valentino Luigi Malloggi,

Your bank returned the debited transactions to repay your loan obligation. Your account is now seriously delinquent. I have made several attempts to contact you both by phone and e-mail, with no response by you. I am attempting to make arrangements to settle this account. I am the last contact you will have with Credit Protection Depot before this account is turned over to an independent outside agency.
I feel I should remind you that your agreement states, you will be responsible for all collection fees, court costs and attorney fees associated with collection of this debt. If the account is turned over to an Outside agency they will charge additional fees over and above the amount you currently owe and will take whatever steps necessary for the total fees due which could possibly include a court appearance for a possible judgment be issued against you for the repayment of this legally binding debt.
I also feel I should tell you this action may not only affect your credit report rating but is also listed on the Tele Track System, which is used by Cash Advance Loan companies, rental companies, and other businesses, in determining whether or not to approve a loan. This could prevent you from even receiving a cash advance loan any where in the U.S. We must require that you render your payment in the amount of $1015.73 via western union quick collect or money gram immediately. This payment reflects your balance as of September 14th 2010.

You need to go to Western Union and get the BLUE QUICK COLLECT FORM (or go to www.westernunion.com and choose the quick collection option)

1. COMPANY NAME: CREDIT PROTECTION DEPOT
2. CODE CITY: OFFER (ONE WORD NO SPACES).
3. STATE: NEVADA
4. ACCOUNT #: Your Social Security Number
5. The reference # is Your Telephone Number


You can also use your debit card or various charge cards at www.westernunion.com

OR you can go to Moneygram and get the BLUE EXPRESSPAYMENT FORM
1. The Company name is: CPD-OFFER
2. The Receive Code is: 4243
3. The City is: Las Vegas
4. The State is: Nevada
5. The Account Number is: 1434208377

If you are unable to pay $1015.73 for the entire balance on the loan then we must require a minimum payment of $338.58 to place the account on hold.
If this account is referred for further review and action to our outside firm for additional collection efforts, it will commence activity on the account to be done to the fullest extent of the law in order to protect our interest in this matter. At that point, you will be responsible for all additional fees associated with costs involved for the collection of this debt.
IF THIS HAS BEEN AN OVERSIGHT ON YOUR PART AND IF YOU WISH TO REPAY THIS LOAN, PLEASE SEND YOUR PAYMENT OR CALL US IMMEDIATELY.

Please contact our office at 1-866-645-1661, immediately upon receipt of this notice in order to stop further collection action from being taken on this account, it will only benefit you to do so.
Sincerely,
Credit Protection Depot

Any idea on how to deal with these individuals and can I send them the C&D along with the letter revoking all ach debits and wage assignments? I have sent the C&D certified mail but also sent it via fax as well. They are threatening me with taking action with a lawyer,etc. I need help and am way overwhelmed. It is my understanding that CREDIT PROTECTION DEPOT and My cash now are one and the same is this correct?

Did you send the illegal lender letter? If not, there is a sample in the link Shazzers provided you.

I did send it! To both adresses to my cash now and credit protection depot

As well as faxed it.

I would simply respond to their email with your illegal lender letter again. Did you file your complaints with your state's AG, BBB and FTC? That's an important step as well.

Sure did!

Just keep sending that illegal lender letter. They'll get letters from the AG and the BBB and may respond to those, even if they choose to ignore yours.

Ok here is the most recent update from VIP after I sent them the Illegal lender letter....I could really use some advice,as I have read the contract over and over again. And revoked wage assignment....
Dear Valentino,

I would like to take the time to explain to you your options now that you are contractually bound to The VIP Loan Shop because of your $300 loan you’ve since obtained. I respect a consumer who researches the services to which he/she uses. With that being said, when you applied for and agreed to the terms of the loan, it would have behooved you to read the complete contract you were agreeing to. You are a citizen of the state of Florida. However, the contract was not made in the state of Florida. The contract was completed via the World Wide Web. The governing law (clearly outlined in your contract) which you agreed to by your legal e-signature is based in the isle and providence of Nevis West Indies Bahamas.
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With all the information at hand, I am still willing to work out arrangements for the balance that is still owed on your account. You may contact our offices 7am-5pm CST Monday-Friday. Our toll free phone # is 1-866-598-1100 option 5. If no contact is made within a reasonable time the account will be sent to a third party collection agency.

Thank you!