Oustanding PDLs

QXLOnline, DollarFlash, PDLLoan Center, CashJar and Cashtransfercenters.com are all illegal payday lenders in Virginia. Click on the following link to know how to deal with these illegal PDL lenders: http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html.

Wow that was quick thanks. I've also put in a call to our State Corporation Commission to make sure it's ok to close my bank account.

That's good. Make sure you know your states' PDL laws yourself. It will empower you to fight against these illegal PDL companies.

Click on the following link to know about your states' PDL laws (select your states' name): http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

The Bureau of Financial Institutions informed me that no online lender is approved in Virginia. She said that she wants CCed on all the letters I send. They will not tell me to close my account as that would be giving legal advice.

Sent the letter to Cash Jar via fax and e-mail and cced via fax the VA Bureau of Financial Institution. I just got the following e-mail from Cash Jar. I sent the response to the Bureau also. I don't want them to go after them since they responded so quickly and positively.

[SIZE=3][COLOR=#000000]I am writing on behalf of Cash Jar in response to your correspondence. Cash Jar strives to assist consumers with their short term cash needs and is concerned that you were disappointed with your most recent experience. We have noted your request for no further communication by telephone.[/COLOR][/SIZE]

[SIZE=3][COLOR=#000000]Please be advised, however, that your loan was made pursuant to Cash Jar’s license in its home country of Belize under the International Financial Services Commission Act of Belize, Chapter 272. Cash Jar’s contracts, including the loan agreement you signed, clearly designate Belize law as governing its transactions and provide all disclosures required by Belize and U.S. federal law. Cash Jar has no physical presence in the State of Virginia , and does not solicit Virginia's consumers via mail, telephone, or email; therefore, we are not subject to its regulatory jurisdiction. In order to obtain a loan from Cash Jar, a Virginia consumer must log on to the internet and access Cash Jar’s website, just as you did. You received documents in conjunction with your loan fully describing how the finance fees are applied and your repayment options, and you agreed to these terms, including the applicability of Belize (not Virginia ) law to the transaction, with electronic signatures in multiple places. Should you require another copy of your documents, or if you need clarification on points referenced in the documents, please contact us. A careful review of those documents should resolve your concerns regarding the terms applicable to your loan. [/COLOR][/SIZE]
[SIZE=3][COLOR=#000000]Notwithstanding the foregoing, we have agreed to settle the balance owed and have marked your account “paid in full” as of today’s date. Cash Jar is taking this action without legal obligation to do so because of our ongoing commitment to customer satisfaction and for no other reason. We hope that this action on our part will resolve your concerns.[/COLOR][/SIZE]
[SIZE=3][COLOR=#000000]Thank you for the opportunity to clarify this matter and address your concerns. [/COLOR][/SIZE]


[SIZE=3][COLOR=#000000]Sincerely,[/COLOR][/SIZE]


[SIZE=3][COLOR=#000000]Cash Jar[/COLOR][/SIZE]

Cash Jar

Down Under Ventures d/b/a Cash Jar
2500 Wilcrest Drive, Suite 201
Houston, TX 77042-2754

Down Under Ventures d/b/a Cash Jar
PO Box 1639 Belize City, Belize C.A.

Fax: 877-513-9152
E-mail: [EMAIL="info@cashjar.com"]info@cashjar.com[/EMAIL]

Okay, the next time they contact you, tell them that you are not a citizen of Belize, so not governed by their laws. Virginia law prevails. The bottom line is, they are illegal in your state.

Just for the record, I am only doing this to the lenders who will not let me pay down the loan in increments or will not work out some kind or reasonable payment plan. I am not try to get out of paying the lenders. Each lender I contact will have received payments totalling more than what was deposited into my bank account.

Just faxed and e-mailed VIP Loan Shop. I took out $400 and have paid them $520. They will not let you pay down your loan and I was told they have no other payment options.

Everest Cash Advance d/b/a VIP PDL Services, LLC
4 Solomon's Arcade
Charlestown, Nevis
West Indies

Fax:(866) 424-0877
E-mail: [EMAIL="customerservice@theviploanshop.com"]customerservice@theviploanshop.com[/EMAIL]

[QUOTE=J L B;743455]Just for the record, I am only doing this to the lenders who will not let me pay down the loan in increments or will not work out some kind or reasonable payment plan. I am not try to get out of paying the lenders. Each lender I contact will have received payments totalling more than what was deposited into my bank account.
Just faxed and e-mailed VIP Loan Shop. I took out $400 and have paid them $520. They will not let you pay down your loan and I was told they have no other payment options.
Everest Cash Advance d/b/a VIP PDL Services, LLC
4 Solomon's Arcade
Charlestown, Nevis
West Indies
Fax:(866) 424-0877
E-mail: [EMAIL="customerservice@theviploanshop.com"]customerservice@theviploanshop.com[/EMAIL][/QUOTE]
All that you owe is the amount you borrowed to begin with, if you have overpaid these loans I would pursue a refund, if you read the topic on how to deal with unlicensed lenders there is a step by step guide on how to proceed.

VIP got back to me via e-mail offering extended payment plan etc. I have already paid 4 installments of $120 and one of $60 which is $540 on a $400 loan. I feel like I should resend the letter. Do I acknowledge their e-mail?

Don't listen to their BS. They are just trying to coax you up so that you pay them. Tell them that you are going to file cases against them with the Attorney General of your state if they don't send you the PIF and the refund. Be firm and push them for it.

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Bank account closed. DollarFlash letters sent. Requesting refund. Is it recommended to tell your employer? I revoked ach and wage assignments. Also added "[SIZE=3]I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. [/SIZE]

[SIZE=3]I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. These requests need to be followed as outlined in the Fair Debt Collection Practices Act ? 805 Communication in connection with debt collection."[/SIZE]

You should notify your HR department about the wage assignment revocation and show them the letter. Some illegal lenders will try to make wage assignments, so it is better to notify your employer and the required department beforehand.

Thanks we're super tiny only 4 full time and one intern. My boss is the owner and in charge of payroll. Guess I'll suck it up and tell him I'm having some fraud issues and not to let anyone take money out of my wages for payday loans. Hopefully, I won't have to get too specific.

Just got an e-mail from DollarFlash "[COLOR=#1f497d]Your information has been forwarded to a manager" Well see. I've had a few loans with them. All paid in full. Hoping they'll refund the extra I paid on this latest one and let it be done. It's not like they haven't made money on me.[/COLOR]

I just addressed a letter to Pakistan. You can't send it certified internationally buy they do offer registered. Should I do this? QXLonline does not have a fax number and would not give me one. I am testing various e-mails to see if any work. [EMAIL="Support@qxlonline.com"]Support@qxlonline.com[/EMAIL] just got kicked back. Waiting on [EMAIL="customerservice@qxlonline.com"]customerservice@qxlonline.com[/EMAIL]. Will keep you posted. Also I paid off a loan a few weeks ago. Is it worth it just to send them a letter acknowledging they're illegal and asking for a refund? Do I get a paid in full first?

[EMAIL="customerservice@qxlonline.com"]customerservice@qxlonline.com[/EMAIL] doesn't work either....

I just e-mailed an attorney here in VA that specializes in Debt Consolidation, Identity Theft, Illegal Debt Collection, etc. to get his feedback. If there is anything new I'll make sure to post!

Help so once I sent the original letter to VIP they tried to play hard ball. I agreed verbally to another $520 on top of the $540 I've already paid on a $400 loan. The Bureau of Financial Institutions already opened a case. I sent them another letter today again revoking ach and wage, no calls at work, etc. She asked if I was breaking our verbal agreement. I politely said that I was told that since a case had been opened with the Bureau I was told not to pay another dime. That even if they were legal in VA I have already paid them more than enough interest for a payday loan in VA. She sent me a highlighted copy of the contract and an e-mail stating my account was not paid in full and was being sent to a third party collections agency. I just replied "
Thank you for your time Angie. Will you forward a copy of my letter to the collection agency? May I have their contact information?

Thank you again for your time. I'm sorry we couldn't resolve this to both or our satisfaction."

What now, I wait?? I sent a copy of today's letter to the Bureau and the AG's office right away.

yes you wait to see who contacts you.i'm sure VIP is NOT legal in VA.i couldn't find where that is the case.if you have not file AG complaints against this pdl do so.then wait to see who contacts on this.i wouldn't pay them another dime until they prove their legality.i doubt they can.

Thanks Paul. She again sent me the contract with these two paragraphs highlighted.

Your Payment Schedule will be: 1 payment of $460.00 due on 6/30/2010, if you decline* the option of refinancing your loan. If refinancing is accepted you will pay the finance charge of $60.00 only, on 6/30/2010. You will accrue new finance charges with every refinance of your loan.
*To decline the option of refinancing you must call us at toll free 8665981100 three business days before your due date to schedule a payoff or paydown.


12. Governing Law. This Agreement is made and accepted in the West Indies, and shall be governed by the law of the West Indies, without regard to its choice of law rules, except that the arbitration provisions will be governed by the Federal Arbitration Act. This governing law provision applies no matter where you reside.

I didn't respond directly to the e-mail of the contract.

typical of them.their BS about governing law is a dead-on giveaway as to their legality.your state laws prevail no matter what the contract says.please tell me your account is closed,or secured.then they can send whatever they want it doesn't matter.they are illegal in VA and you overpaid.file the complaint,and be ready for alot of nonsense from them.don't worry they can't do anything they threaten.

Account closed and FROZEN by BOA fraud department. Letters sent and copies to Bureau of Financial Institutions and AGs office. Filed BBB complaints where possible and FTC. I warned my boss vaguely. Said there was some fraud on my account if anyone calls to ignore them. Told him I was working with the AG so he didn't ask a lot of questions. We are small and he does the payroll so he knew I'd changed accounts because of direct deposit anyway.....

I just checked my QXL account and it says suspended. I sent a ticket through the help desk asking for a fax number or e-mail address. Doubt they'll provide it.

One of the lenders that admitted receipt of my ACH Revocation letter tried to put through a debit for the total amount they say I owe. I got $400 from them and have paid back $540. I will be forwarding the information to the AG's office and the BFI. Is there any other agency that needs to be aware of this illegal act. It breaks the Electronic Funds Transfer Act.

After a bit of research, I filed a complaint against the PDL company with the FDIC. It appears that they have the authority. The can be fined up to $10,000 if I'm reading the code right!!!

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The account is pending close and has a FREEZE. I got an e-mail showing an attempted debit, said $0 charged in fees. I printed the e-mail and sent that with copies of the letters to the BFI in VA. I will amend my FTC complaint shortly!

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OK of the four that were paid off, VIP tried to debit after the letter was received. DollarFlash sent me an e-mail telling me it was forwarded to a manager, nothing from QXL except that it's listed as "suspended" and CashJar sent me a paid in full e-mail. I'd really like a refund from them and sent them an additional letter but I think pigs will fly first.
I also had CashTransferCenters, SpotOn (I was originally with RBT and it got moved. I don't even think I signed a loan doc with SpotOn) and MyNextPaycheck (I had been with PayCheckToday and when I renewed it just showed up as MNP). I hadn't sent those three letters. Their payments were returned. I've worked out arrangement with CTC through Ecare and with MNP. I will be paying through MoneyGram and Prepaid credit card. SpotOn has yet to contact me or return a phone call I made to them.
I'm in control now. They can threaten etc. Once I pay back what is the principal (I may even pay the NSF as I didn't warn them) I'll send the letters to these three. I just thought it was easier to do it this way since I do owe them principal than to send the letter and deal with the b.s. I feel like once you've paid at least the principal they aren't as mean LOL
I might be warped. I wouldn't be able to do this with the last three though had I not followed the advice here on the other 4.
I also have a loan with FBD but I'm paying a little extra with each payment to make it not soo harsh on the total amount I'll be out. Even an extra $10 per payment makes a difference.
Thanks to all. I've done a bunch of research on VA PDL regs. Hope I can of help to others.

So, I resent the letter to QXL after the BFI told me they'd communicated with QXL who told the BFI they'd contacted me. Which their contact has only been to suspend my account on the webiste. So yesterday, I send the following:
I have spoken with the Bureau of Financial Instituions (part of the Attorney General's Office)in VA. They said that you indicated you'd spoken to me. I informed them that that was incorrect. I printed out all of the messages on the screen and have provided that to them. I was advised to ask for a paid in full letter since, I have already paid the principal I am not legally obligated to pay any more.
This is their response:
We stated we had been in contact with you, which we have via the Help Centre. We also explained tha the file had been suspended and that we are a non US company. There is NO obligation on us to mark the loan paid in full, nor will it be, but by suspending the file, no more payments wil be requested. The matter is now closed and no further responses will be made. Customer Services
Do I just let it die and keep the copy for my records?

no,because they can come back still and collect,or attempt to collect down the road.do not back down.file a follow-up with the BFI and forward that to them.nohing but a PIF should do.

This will probably make some of you sick...I know it made me sick. So sometime back in 2008 I began getting loans from Cashtransfercenter aka Northway Financial. The latest loan was $900 deposited on 9/1. To be paid back 9/15. I was going to pay it but realized all the PDLs I had were illegal. Don't know why but I felt like I should pay them back the $1143. Until today when I went back to 7/15/09 and added up all the deposits and all of the withdrawls. The amount overpaid just in that window was $6,497.25. If I had time and the paperwork handy I'd go all the way back. I immediately mailed the letter to Malta and sent it via e-mail. I am not paying them another dime. I want to cry thinking how how much of a difference 6k would make in my life......PLEASE PLEASE do not ever take out a PDL with an unlicensed company.....

OH and yes I asked for the refund of 6K

I know exactly what you're feeling. Finding this site was a godsend for me. Getting out from under all of the PDLs I had made me feel like a new person. I did sit down with my bank statements at one point and add up the overpayments I'd made - - it came to around $15k over a 2 year period. I received refunds of only about $1k after all was said and done. If I had that $14k today, I would be completely debt free, including paying off my car. It sickens me.

Well usually when they received a document (i.e. bank statement, paystub, etc) they would post a link to your account. I went on about 2 hours after I sent the e-mail yesterday and it wasn't there. This morning I try to log in and it says you do not have access to this site. Guess they got the letter....Now we wait. In the letter I gave them 5 days to respond.

^^^that was me LOL I thought I was typing a subject not a name. I need more coffee!!

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Hooray! So yesterday I was thinking how I had sent a letter to DollarFlash back on the 8th of September and just got a "this has been forwarded to a manager" and nothing else for 20 days. I even started typing another letter to send out today as follow up. I got a phone call from Tony M. (I won't use his full name) 424-901-1196 he is issuing the refund and was going to ACH. I explained that I didn't want to give out my new account number and asked if he could cut a check. He said no problem it may take about 14 days. He also said he'll speed it up by walking to accounting. He was SUPER nice and friendly. I gave him my mailing address. The only stupid part is that in my haste to get the letter out I only went back to the current loan and not the previous loans. I would have had a bigger refund if I had slowed down and taken my time. I also requested a PIF. I'm happy with what I'll be getting though which is the amount I requested in the letter! They did receive a complaint from the BBB. I told Tony that as soon as I get the refund I will write letters to the BBB and VA BFI stating the resolution.

Good job JLB!! Stay persistant

I received the check from DollarFlash aka DollarQuick and Advanced Business Services, LLC! Sending it to the bank today. I assume that they can not get my new account information from the back of the cleared check correct? I didn't endorse with my name. Instead put "for deposit only". I will send the BBB and the VA BFI letters stating the refund was received once the check clears. Also, My next paycheck and CTC aka Northway are both being hard to deal with. They are both only contacting via e-mail.

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This is awesome news! Congrats!

I just received my first call from a collection agency. They did not leave a voicemail or call my work line. I googled the missed call number and saw it was a CA then *67 and called back. It's PBM. I won't do anything until they leave a message or call my work. Then you can bet a C&D will be issued.

On another note, in the state of Virginia there are not licensing requirements or registration requirements for debt collection agencies. They are required to follow the FDCPA and any federal laws. I just confirmed this with Virginia Office of Consumer Affairs.

The woman I spoke to did say that debt consolidation companies do have to be registered.

Ok well I posted too soon. PDM (not PBM sorry) just called my work. The lady (yes I got her name and the spelling but won't post here) told me there was a judgment against me. I was going to send a DV letter. Is this necessary? I told her that the company she is collecting for is illegal. She seemed to gloss right over this. Should I immediately go to a C&D letter? She gave me an address and told me I could address the letter to her. I also asked if they had sent me a letter and she said they do that via e-mail and I should receive it within 72 hours. I told her that I knew the FDCPA and would be expecting it within 5 days. Anyway, ultimately my questions are 1) do I bother with the DV or go straight to the C&D? 2) VIP owes me a refund still.....Do I continue to send them the e-mails requesting the refund at this point?

Something had struck me as off when I talked to the PDM lady earlier. So I just called back. She was nice both times as well. Kill 'em with kindness and know your laws. She told me she had already put a C&D in their system. I needed to deal with VIP directly. That they closed the account and would be sending out a letter today to that effect. We'll see.

ok now my second CA just called ARM in Jacksonville. They said that they can report an illegal PDL on my credit report. Is that true? They said they are noting on my account refusal to pay. I never admitted I owed the money. I tried to explain they are a part of PCT and he said they aren't because both companies are his clients. Funny he didn't have either address and I called him on it and he said they don't need it because of their matix database. He said he'd make a recommendation to the client today. Whatever that means. I'm not too worried as I've filed all my complaints. I know they're not registered in VA and therefore can't take me to court. I asked them not to call my work and he said he'd take the number out of the system. I think I screwed up by giving him my current address. Although, I'll have to put it in my C&D letter anyway right?

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