I have 10 online payday loans

I believe most of those are illegal but I will need to check for sure.

Hang in there. Other members may be along that know for sure and post as well.

Check your state laws. Looks like they are illegal loans and your state laws should have caps on the interest payable if they are legit loans. They probably aren't. At least you have paid them back. Send them a cease and desist letter, put a hard block on your account (your bank should know what that is) and tell those jerks at your PDL that all you would ever be responsible for is the principle.

Thanks so much guys I so stressed!! Should I do it my self are call Oak View Law Group for help?

Well that is merly up to you. Most have chosen to do it themselves with the help they have received here on this forum. Members here can answer all your questions you may have and guide you through the process.

On the other hand, some have chosen to go with a PDL consolidation company. They may not be ready to handle calls and confrontation from these PDL companies so they dont want the hassle.

My opinion is you can do it yourself, and save yourself much needed cash in your pocket. In the end you have to do what is best for you. Good Luck and keep us posted :P

I checked the TN database and none of those on are the database which means they are all unlicensed.

BIG for 300.00, paid 90.00 (3x's) You owe $30
ACC Cash Spot 200.00 Paid 50.00 (1x) You owe $150
500 fast cash 300.00 paid 90.00 (2xs) You owe $120
US Fast cash 300.00 paid 460.00 Done, over paid
East side leanders 300.00 Paid 460.00 Done, over paid
Bahama Marketing 300.00 Paid 460.00 Done, over paid
Discount Advances 400.00 Paid 315.00 owe $85
Ken wood 400.00 paid 180.00 owe $220
Zip19 700.00 Paid 1120.00 Done, over paid

You can go here and read up on the steps to take. You will need to close you account.

Make sure your account is closed and secure BEFORE sending out any of the letters.

You can do this yourself. It doest take a little work and you need to get a thick skin when dealing with the calls and the nasty emails but since they are all illegal there is nothing they can do to you but harrass and threaten.

Good luck and keep us updated. Ask more questions if you need to.

I have multiple payday loans out and I'm not sure what to do..
1)Speedy Cash-500.00
2)Second Wallet-300.00
3)Together Cash-500.00
4)Integrity Advance500.00-paid 300.00

I was thinking of closing my account and not sure what to do. I dont have the money to pay all these fees and not sure what to do. I am overwhelmed and don't know where to go from here! Please help!!

I have multiple payday loans out and I'm not sure what to do..
1)Speedy Cash-500.00
2)Second Wallet-300.00
3)Together Cash-500.00
4)Integrity Advance500.00-paid 300.00

I was thinking of closing my account and not sure what to do. I dont have the money to pay all these fees and not sure what to do. I am overwhelmed and don't know where to go from here! Please help!!

hello,first a few questions.

what state are you in?
was anything debited by anyone but integrity?

answering those will help us help you.

I live in WI- everything gets debited every otther Fri, when I get paid.. All of the loans were ones I got online...

okay can you recall what was debited from each?

Oh, Together Cash and Second Wallet are due tomorrow and the speedycash one is due on 4/3. I have 2 other ones that are almost paid off.

no,no,i mean did these places debit any fees before this?i had second wallet too and there fees is 90.00.did they take that at anytime?same with the others.were there any fee debits prior to the pending ones?

No, net yet as my first payments are due tomorrow for second wallet and together cash. The only ones on the list who debited fees were Integrity Advance, which I think is Advance America, and they debited 300 in fees.

Thanks so much nohiogal!!! I am closing my account tomorrow. I have a hold on it today. The bank said they would hold it till I can come in and open a new account. I can't seem to find the template for the c and d letter. Do you know where I can get that?
Thanks so much for your help, once I am out of this mess there is NO going back!!!!

No, net yet as my first payments are due tomorrow for second wallet and together cash. The only ones on the list who debited fees were Integrity Advance, which I think is Advance America, and they debited 300 in fees.

TIff, You don't send a C&D you send an operating unlicensed letter.

You can find that here. Scroll to the 13th post.

You need to tailor the letter to your information.

nothing debited yet?that's tricky because the laws for WI are kind of weird.if you can i would close your account and when it's closed e-mail the three you haven't paid anything to yet and try to work out payment arrangements.integrity is not legal so you only owe 200.00.i will look to see if the others are considered legal in WI.if not you only owe what was borrowed.

If you just borrowed all of these in the last 2 weeks, then send the money back to possibly avoid paying any fees.

___________________________

This is the 3rd poster in 24 hours that borrowed and then wants to claim that they are buried and doesn't want to pay for the money borrowed!! These situations are not just with illegal lenders, but also affecting the ones that "play by the rules" and get licensed in the state to which they lend!!!

Is there anything taht can help me w/the fees?
Thanks, it's much appreciated!

I'm not saying I don't want to pay, I'm saying is there anything that can help w/the fees. If you don't have help for anyone, don't say anything. It's a vicious cycle to get into, and I know it's my fault and I'm looking for help, not to be attacked for it.

The other ones are from last month that I borrowed and the fees aren't due til now. and if I had the money, don't you think I would pay it back?

As far as Integrity, how do I go about settling w/them if they are an illegal lender?

You don't really settle with an illegal lender. You close your account so they can not longer access it then send them a letter stating they are illegal and that you legally only have to pay back the amount borrowed.

Ok, how do I find out if the other 3 are legal?

What letter do I send them?

What letter do I send them?

Scroll up I posted the link at the top of this page when I responded to TIff.

This will work for the state of WI as well? I can just email them the letter?
And, how do I find out if the other 3 are legal or not?

Nohiogal, thanks you have been a great help!!
Tiff

Also, should I close out my acct? What steps do I take once I find out if they are legal or not?

Your Welcome Tiff, Good Luck

Becka, The letter will work in any state you just have to tailor the letter for your information and state laws.

WI laws are very wide though on the fees and interest they can charge you but the lender still has to be licensed.

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Ok, thank you very much!!!