need of some serious help in texas
Date: Fri, 05/28/2010 - 11:41
Myself and my husband both have taken out some PDL and have some questions on if these lendors are licensed and charging us too much. here is all the loans we have had and paid so far,
10/6/09-check n go- $975.00-loan amt---paid $2233.00 total-husband
12/15/09-check n go-$750.00-loan amt---paid $1511.48 total-me
3/23/10-check n go- $500.00-loan amt- -- paid $581.08-me--so far still paying on this one
4/15/10-check n go-$900.00-loan amt---paid $229.93-husband-so far just received loan
7/21/09-one click cash-$300.00 loan amt- paid $975.00 total-me
1/5/10-one click cash-$350.00 loan amt- paid $1055.00-me-they say i still owe
1/15/10-one click cash-$300 loan amt -paid $360.00--husband--they say we still
7/28/09-pay day loan yes- $350.00 loan amt-paid $1190.00 total-me
10/09/09-pay day loan yes-$350.00 loan amt-paid $525.00 total-husband
01/15/10-pay day loan yes-$350.00 loan amt-paid $1005.00-me--they say i still owe are harrassing me right now
05/05/10-ace cash express-$800.00 loan amt-haven't pd anything yet since it's under my husband
the internet lendors and even check n go were taking out fees every two weeks for me since i get paid every two weeks and one once a month for my husband since he gets paid once a month.
i just really need to know my rights with this issue. i honestly feel i have been taken to the cleaners. i need to know if the companies are able to this and if the are licenced in the state of TX. i have read through alot of these posted i see that there are several people that have had the same issues as us and just need some claification on my rights since these people are calling me and harrassing me at work. i have also received the fraud calls ffrom the internet cyber crimes stating that i have had commited internet crime and they were going to come and arrest me. i contacted my bank and opened another acct and keep the other one opened to keep on eye on status of pdl's. can you please help with the laws and consumer rights that i might have here in TX. Can you also help me on how to contact someone to complain about these outrageous fees these companies charges?thanks.
10/6/09-check n go- $975.00-loan amt---paid $2233.00 total-husband
12/15/09-check n go-$750.00-loan amt---paid $1511.48 total-me
3/23/10-check n go- $500.00-loan amt- -- paid $581.08-me--so far still paying on this one
4/15/10-check n go-$900.00-loan amt---paid $229.93-husband-so far just received loan
7/21/09-one click cash-$300.00 loan amt- paid $975.00 total-me
1/5/10-one click cash-$350.00 loan amt- paid $1055.00-me-they say i still owe
1/15/10-one click cash-$300 loan amt -paid $360.00--husband--they say we still
7/28/09-pay day loan yes- $350.00 loan amt-paid $1190.00 total-me
10/09/09-pay day loan yes-$350.00 loan amt-paid $525.00 total-husband
01/15/10-pay day loan yes-$350.00 loan amt-paid $1005.00-me--they say i still owe are harrassing me right now
05/05/10-ace cash express-$800.00 loan amt-haven't pd anything yet since it's under my husband
the internet lendors and even check n go were taking out fees every two weeks for me since i get paid every two weeks and one once a month for my husband since he gets paid once a month.
i just really need to know my rights with this issue. i honestly feel i have been taken to the cleaners. i need to know if the companies are able to this and if the are licenced in the state of TX. i have read through alot of these posted i see that there are several people that have had the same issues as us and just need some claification on my rights since these people are calling me and harrassing me at work. i have also received the fraud calls ffrom the internet cyber crimes stating that i have had commited internet crime and they were going to come and arrest me. i contacted my bank and opened another acct and keep the other one opened to keep on eye on status of pdl's. can you please help with the laws and consumer rights that i might have here in TX. Can you also help me on how to contact someone to complain about these outrageous fees these companies charges?thanks.
Payday loan yes and One Click Cash are not legal lenders in your
Payday loan yes and One Click Cash are not legal lenders in your state, the rest of them are. I would suggest that you close your account asap, also, CLICK HERE to find out how to deal with illegal lenders.
If you click on the link below you will see that Check n go and
If you click on the link below you will see that Check n go and Ace Cash Express are members of the CFSA ( Community Financial Services Association of America), this means you are eligible for an EPP (Extended payment plan):
http://www.cfsa.net/MemberList.aspx
Click the link below to read about the EPP:
http://www.cfsa.net/public_education_campaign/guidelines/guidelines_extended_payment_plans.html