Debtconsolidationcare.com - the USA consumer forum

PDL - Leagal Advise

Date: Tue, 04/17/2012 - 19:10

Submitted by johnrosscomita
on Tue, 04/17/2012 - 19:10

Posts: 13 Credits: [Donate]

Total Replies: 33


[COLOR=black]I currently have 10 outstanding payday loans totaling around $4613.00. Although my Driver's License is issued in Florida I am a resident of Arizona. I took these loans out using my Florida license and former address therefore all documents are written for a Florida resident. I travel 7 days a week and truly do not have a home base however my mail goes to a family member’s house in AZ.[/COLOR]

[COLOR=black]I have already contacted two different PDL consolidators and of course they are willing to take on my situation. After doing research tonight I'm not sure that is the direction I should go.[/COLOR]

[COLOR=black]I have already opened another checking account however I have not closed the current one "yet."[/COLOR]

[COLOR=black]I have so many questions however I need to narrow down not to overwhelm you:[/COLOR]

[COLOR=black]1) Since PDL are illegal in AZ can I use that as an excuse since I signed that I live in FL?[/COLOR]

[COLOR=black]2) What legal ramificat[/COLOR][COLOR=black]ions can these 10 companies take on me if I close my account?[/COLOR]

[COLOR=black]3) Can these 10 companies contact my employer and discuss my financial situation?[/COLOR]

[COLOR=black]4) Should I try to do this on my own or would you suggest I move forward with the consolidation company. My time is very limited.[/COLOR]

[COLOR=black]Thank you for any response![/COLOR]


There is some fraud on your side, by using a "former" address, thus not revealing your true state of residency. Dont think a judge would consider a "mailing address" as residency, especially since you are still using a Florida DL. Is your car still plated with florida plates??

That said, please list out your loans.


lrhall41

Submitted by SOAPLADY on Tue, 04/17/2012 - 19:31

( Posts: 17315 | Credits: )


I live in FL and online PDLs are required to be licensed in the state of FL. Most are NOT. And thus illegal. So do as SOAPLADY ask and list your PDLs so we can help.

As for residency.....most states require you to live in that state for at least 6 months before you can benefit from that's resources. For example....if you were getting a divorce (and I am not saying that you are) then you would have reside in the state six months before you could use their legal system to file for divorce. Having a licenses from AZ doesn't make or not make you a resident. Usually living in a state requires you to file that states income tax return....keep in mind....most states have you file a non-resident state return if you have not lived there more than 6 mo of the year. If you have lived there for six months or more and still haven't changed your DL....please don't speed.

How long have you lived in AZ? Does your job withhold AZ state taxes?

If it makes you feel any better....if you gave the PDLs the correct Social Security Number, a correct number to reach you at, and a correct bank account number, and the only DL # you have and it was correct....then I don't think the physical address is goons be much of concern by way of Fraud. My opinion.

You got lots of questions to answer before you can figure out what state laws apply to you.


lrhall41

Submitted by Mmouze on Wed, 04/18/2012 - 16:37

( Posts: 31 | Credits: )


Thank you for your responses. Truth be known I really do not live anyway permanent. I moved away from Florida and took on a job that has me traveling 24/7. The address I am using is my Sister's only so that she can forward my mail to wherever I may be. My vehicle is parked in California and has not been moved for two years. I continue to keep it insured and it still does have Florida plates. I rent vehicles for transportation. I have been doing this for two years. My corporate office in in Florida and my cell phone is a Florida number but I do pay taxed in Arizona as I had to put something on my hire paperwork. What a mess eh? I feel the best solution is to utlize the PDL Consolidate service so I can stop this insanity without too much hassle. I could move back to Florida in a minute as I have access to a address there as well.


lrhall41

Submitted by johnrosscomita on Wed, 04/18/2012 - 22:05

( Posts: 13 | Credits: )


Personally, I would NOT consolidate PDLs. I have had amazing success using the advice on this site. Everyone on here has either been through it or is currently going through it. One thing is for sure though....it does require a lot of effort on your part to stay on top of this (closing bank acct, opening new one, sending ACH revocation letters, RESENDING revocation letters, following through with writing complaints to BBB, AG office, ect.

Even if you can get one or two or three to send you a PIF notification....you are way better off than you are now. And if it becomes to much due to your travels then you can always revisit consolidation option.

Either state, FL or AZ, PDLs are illegal. Especially if they are licensed.

Good luck to you....either way. And never ever go back down the PDLS road again. Keep us posted.


lrhall41

Submitted by Mmouze on Thu, 04/19/2012 - 02:52

( Posts: 31 | Credits: )


You two are amazing and I really appriciate your support. Just to be clear, I have already secured another checking account and all I have to do is make a phone call and they will close my current account. My next payday is on the 27th and I certainly do not want these companies to drain it once again. In addition; I cannot afford to have them contact my employer which scare the heck out me. Here is the list of companies:

[FONT=Calibri]1. [/FONT]Eastside $227.00
[FONT=Calibri]2. [/FONT]Everest Cash Advance $260.00
[FONT=Calibri]3. [/FONT]My Payday Advance $260.00
[FONT=Calibri]4. [/FONT]PDLNow.com $279.00
[FONT=Calibri]5. [/FONT]ACE Cash Advance $394.92
[FONT=Calibri]6. [/FONT]Your Fast Payday $520.00
[FONT=Calibri]7. [/FONT]VIP Loan Shop $520.00
[FONT=Calibri]8. [/FONT]Integrity Advance $585.00
[FONT=Calibri]9. [/FONT]Seaside $650.00
[FONT=Calibri]10. [/FONT]Plain Green Loans $917.55
Again I cannot thank you enough for your insight!


lrhall41

Submitted by johnrosscomita on Thu, 04/19/2012 - 19:21

( Posts: 13 | Credits: )


I have researched the internet and I am confident I need to tackle this without using a PDL consolidator. I paid my taxes in AZ and my office is in Florida so either way I am covered if both states PDL's are illegal. Is there one place I can go to get the information about the "next steps" I need to take? I will be closing my current checking account early next week. I have already made arrangements for my paycheck deposit. I can see there is a letter I can write to each PDL on this site regarding PDL's being illegal. Would you suggest this is what I do next?

I understand the companies will be harrasing me as soon as they cannot rob my account any longer. How do you suggest I handle that with my employer and corporate office?

Much thanks!


lrhall41

Submitted by johnrosscomita on Thu, 04/19/2012 - 21:20

( Posts: 13 | Credits: )


Since you are in AZ, PDLs are illegal period. But just in case you wanted some info on Florida about the PDLs you have....you can visit Florida Office of Financial Regulation. I can tell you that I have looked each of them up in their database and none of them have a licenses to do business in FL. Therefore they are all illegal in Florida as well.
I recommend that your next step is to do some math. This will help you figure out if you still owe the PDL money to pay off the principle or if you will be asking for a refund. You will need to add ALL of the deposits that you have received from each lender seperatly....so if you have had a loan with Eastside before then you need to add both deposits together. Then you need to go through your bank account and add up all the debits that have come out for each....again if you had a loan with Eastside before be sure to add up the previous debits and payoff. Then you need to subtract ALL the debits from ALL the credits for each seperatly. If you overpaid the principle you should ask for a refund. If you still owe some money on the principle then you will need to ask the PDL for a physical address so you can send them a money order in the mail.
OhioGal has a post on here for the example letter you use. I used it and followed her post about step by step process. It had worked beautifully. I had PDL with Eastside and VIP and I received a PAid in Full (PIF) notice from both. So I promise there is hope.
Please close your account ASAP. Craft a seperate letter for each PDL and send them out ASAP. By law....your ACH debit revocation is only enforceable if you have notified the lender three business days in advance.
I started this whole process 10 days ago. Initially after sending the revocation notices out letting the PDLs know that they are illegal I received a few calls but did not answer. It wasn't anything too crazy. I waited exactly 48 hours and resent the letters again. I received an email from Eastside letting me know that they are licensed in Delaware blah blah blah. I sent them an email back and told them that I live in FL and will follow Florida law. Also told them that I was filing a complaint to the BBB which I did. Four days later I received a notice from BBBwith a letter from Eastside attached stating that my loan is considered PIF.
As for work....I haven't had anyone call my work. But I did let my boss and my HR know that if they receive a call ref me that it is FRAUD. They were very understanding.
10 days ago, I had 9 PDLs.....today I have 4 I have not heard from. Received 5 notices of PIF. None of them offered a refund but that's ok. I really just wanted them to go away. I promise you can do this!!!!! I promise that if you follow the advice of OhioGal in her post you will get results.
I am sure I have not heard the last from my remaining four PDLs.....but I am motivated and will NOT stop till I get rid of these fools for good. It can be done.
Good luck and keep us updated.


lrhall41

Submitted by Mmouze on Fri, 04/20/2012 - 00:27

( Posts: 31 | Credits: )


What awesome information! Today I closed my checking account and went over the past 2.5 years of bank statements. It turns out that I have 9 lenders instead of the 10 I thought I had. Of those I have 4 I still owe on the principle (Total: $412.00) and 5 I have overpaid (Total: $3139.89). UGH! It appears one of the lenders has merged and/or changed names three times. Plain Green, Think Cash & First Bank of Deleware have been robbing my account for several years with three different loans. I'm not sure how to handle this one however, unless you tell me different I am going to send three letters addressed to all three names containing the lump sum of financials. To date they have taken $4041.39 for three loans totaling $2600.00.

I'm off to prepare the letters now. If you have any further advise I will be checking back often. I'm on a roll now and looking forward to getting this overwith. Thanks for convincing me that I could handle this without utililizing another scam!


lrhall41

Submitted by johnrosscomita on Fri, 04/20/2012 - 20:12

( Posts: 13 | Credits: )


It certainly will not hurt anything to send the same letter several times addressed in the company who has changed names or merged.

Get the letters out today. The sooner the better. And if I may, put together an excel spreadsheet so that you can track each day with these PDLs. I started mine with the first day I closed my acct and sent the letters. And at the top I add a new day every day and list what is currently going on with each lender. That way you can track when you received a call or email, what was said, and what days you send out what (I.e. complaint to BBB or AG). I also log onto the PDLs website and note on my excel sheet exactly what the current status of my loan is. This will help keep track of it all. It gets very confusing of what day you did what if you dont have a way to track it.

Doesn't hurt to compile a folder for each PDL and print a copy of everything.

These people will test your resolve. Stay focused on the means to an end. Keep us posted on this site and we will provide moral support to keep you motivated. You will be on cloud 9 the first paycheck you get to keep in full because they no longer have the ability to deduct from your acct.

I will be on this site regularly....so I will make sure to stay in touch. Don't hesitate to ask questions. There are some great folks on here with amazing advice.

Also, I will keep you posted on how my last 4 PDLs play out so you will know what to expect next.


lrhall41

Submitted by Mmouze on Sat, 04/21/2012 - 08:46

( Posts: 31 | Credits: )


You all are amazing for taking the time to work with me while I clean up this mess! I cannot thank you enough...

I have sent out all the emails and started on the second round now. I have contacted the BBB & filed complaints as well as allerting the AG. I have started a spreadsheet and boy can I see where this gets messy. Thanks for all the suggestions.

It appears I have to file with the BBB located wherever the lender is located. Is this correct?

I have received two responses already. One wants me to call to make arrangements and the other told me I need to contact a different website. Should I call them when they ask me to?


lrhall41

Submitted by johnrosscomita on Mon, 04/23/2012 - 13:31

( Posts: 13 | Credits: )


Here is the response I have received from Eastside Lenders:

John, this is a legally binding agreement and you did agree tothe terms and conditions originally that you were in agreement with All ofEastside lenders practices. My apologies, but you still have a balance with thecompany! If you do not care to make any further payments, I will noteyour account, but the loan agreement that was signed is still valid and ineffect.


lrhall41

Submitted by johnrosscomita on Mon, 04/23/2012 - 13:42

( Posts: 13 | Credits: )


I got the same response from Eastside more or less. I filed a complaint with BBB and they responded to BBB with a memo that my loan would be marked Paid in Full. BBB forwarded it to me.

You can call but that isn't gonna get you anywhere. I would just keep sending them the letter. And send them all a copy of the complaints that you have filed stating who you filed it with.

A status update on my own progress. One of the four I have left did try to withdrawal funds from my account. 500 to be exact which is exactly what the loan was originally for. But no luck for them since the acct is closed. And they are also one that I have not heard a word from since I sent my initial letter April 11th. Not a peep.

Another one sent me some long draining we are licensed in Delaware blah blah blah and that they expect me to pay or they will send it to a collection agency. Yeah well....let them. Oddly enough they have the same address but different name as the third one I haven't heard back from. I told them thanks but no thanks. I have paid more than the principle and will not be paying anything g else. I will file complaints against them as well and forward them a copy. Will see how it goes. One thing is for sure....not all of them go away easily. But that's ok.....I GOT THIS!!!


lrhall41

Submitted by Mmouze on Mon, 04/23/2012 - 16:53

( Posts: 31 | Credits: )


Well I'm in the "thick of it" now. I have completed all my first emails and sent out several second ones. I have notified the Florida Attorney General and the West Florida BBB. I have recieved several email responses requesting me to call them to make arrangements however they continue to tell me I am responsible for these contracts.


  • The FL BBB contacted me and told me I had to file a complaint through their website. I spent "hours" sending them individual complaints to the "West Florida BBB" When I go through their website it takes me to the lenders state BBB. Is that correct? I have filed four through the lenders state BBB but before I continue I want to make sure that is correct.
  • Should I call these lenders? On my original email I expressed that I would like a response stating I am paid in full in addition to a refund. On others I have told them that I would make a money order payment on specific dates if they would provide me with an address. What more is there to say to them? Do I need to talk with them on the phone?
Thanks again for all your support. I certainly wouldn't have done this without your encouragement.


lrhall41

Submitted by johnrosscomita on Mon, 04/23/2012 - 20:54

( Posts: 13 | Credits: )


Your on the right track. When I did my BBB complaints online it took me to the state BBB where the company is licensed.

I also called some of mine to follow up my letter and I either got hung up in after telling them the FL law or shortly after I said I'm not paying anything else. The one I still owed 50 on...I asked them for their physical address and they refused to give it to me so I hung up on them. You can call....but don't be surprised if this gets you no where. But it doesn't hurt to try....I guess.

Also complain to Florida Office of Financial Regulation. It's online as well. Just keep good record of who you filed what where and on what dates you sent the complaints. It will feel less overwhelming if you do.


lrhall41

Submitted by Mmouze on Tue, 04/24/2012 - 04:19

( Posts: 31 | Credits: )


Congratulations. Doesn't it feel amazing!!!!!
Yes, file with FTC as well. I did but only after my payday came and went so I would know who tried to withdrawal money out of my closed account even after sending them the revocation letter. That way I could also put in my complaint that they were in violation of that law as well. If they didn't try to pull funds...then I just stuck to fact they are not licensed in Florida and were charging way over the legal APR allowed in my state. Send copies of that to the PDLs also.
I wanted to have as much ammo as I could against these jerks.
Keep posting. It makes us all feel good to hear when someone gets a paid in full notification.


lrhall41

Submitted by Mmouze on Wed, 04/25/2012 - 02:50

( Posts: 31 | Credits: )


Generally, I agree with not bothering with BBB complaints but, for Eastside, do file a complaint with the BBB.

They responded to the BBB that they were marking my account PIF, but never told me that. So, when collectors started calling me, I had that BBB letter stating my account was PIF.

I wouldn't bother with the BBB for the others, however.


lrhall41

Submitted by OhioGal1 on Wed, 04/25/2012 - 06:46

( Posts: 5253 | Credits: )


I have already filed with all the BBBs and it took several nights. It was hard to even find the correct branch to file a complaint to because they are all scattered all over the country. I've received two responses saying the BBB could not assist and two that said they would contact the company. My two cell phones have been ringing OFF THE HOOK.

How can I find out if someone has tried to debit my closed account. I think that is good information to have since I have told them I have revoked their rights.

Also, there are several companies I owe small payments to ($60.00 or less) however they haven't responded. Should I just wait to pay them when they let me know an address to send it to?

I will without a doubt keep you all informed. I don't think I could do this without your input! Thank you again!


lrhall41

Submitted by johnrosscomita on Wed, 04/25/2012 - 17:52

( Posts: 13 | Credits: )


Okay everyone - I recieved 7 emails today!

5 of them were from lenders saying they were unable to debit my account and please contact them imeadiately to avoid collections. Not one word about the "several" emails I sent asking for a PIF & refund or address to pay off the principle.

2 of them were from lenders saying "thank you, they have received my payment for $260.00 and $520.00! I went to each website and signed in and both said I currently do not have a loan with them!

So needless to say I have recieved 3 payoffs so far and have 6 more to go!

Tonight I sent out a complaint for the 5 lenders I heard from today that were unable to debit my account to the Federal Trade Commission and they have recomended I contact the Florida State Consumer Protection Agency which I will do next. I also recieve GREAT information from Florida Attorney General Pam Bondi office with links to agencies they suggested I contact.

I will keep you all informed how its going but I have to tell you, last payday sure felt much better! Thank you...


lrhall41

Submitted by johnrosscomita on Tue, 05/01/2012 - 22:00

( Posts: 13 | Credits: )


Got another PIF today!

Here is where I stand now:


  • Eastside Lenders - PIF
  • Everest Cash Advance - PIF
  • VIP Loan Shop - PIF
  • Plain Green - PIF
  • My Payday Advance - Received email on May 01 asking for new banking info! (LOL)
  • PDLnow.com - Never heard anything from.
  • Your Fast Payday Loan - Received email on May 01 asking for new banking info. (Like that will happen again!)
  • Integrity Advance - Received email on May 03 asking for new banking info. (Please!) Also received response containing their legal rights as Bank of Deleware and how they will hold me accountable.
  • Seaside Loans - Received email on May 01 that payment was rejected and they need further information on my banking account.
It's moving along nicely...


lrhall41

Submitted by johnrosscomita on Thu, 05/03/2012 - 21:12

( Posts: 13 | Credits: )


So it seems that I've kind of stalled out with any further response. I'm still received past due notices and some "sent to collections" notices but no more movement with the paid in full status. What do you suggest I do now? I've contact all the agencies you suggested as well. Just concerned the the phone calls to my employer may start.


lrhall41

Submitted by johnrosscomita on Wed, 05/09/2012 - 20:17

( Posts: 13 | Credits: )


I feel for you on everest cash advance . It's a scam... Pdl support - platinum b services and scs services are actually located in Kansas mo. And they are hiding well.. I been non stop for 2 weeks looking for any all information on these companies ... The everest cash address in Delaware is BOGUS!! and getting a license verification or addresses on any of them is worst than pulling teeth!!!! But if it helps I managed to find names that states on the Internet.. Finally.. Go to the Missouri secretary of state and there you will find information linking you all around pdl support. Platinum b services.. But sorry!! No everest cash.:: I was actually told on the phone this morning by a woman at pdl support for everest it didn't matter what I think I signed a contract with the west indies and I have to abide by their laws.. :/ uh excuse me??, hmmm
Also print out your agreement and look at how everything doesn't match your state laws.: a lousy little 300 dollar loan has cost me 1002.00 dollars in fees in just 3 months!!! I'm done.. Tired of the run around and brush off and rude people through this so called pdl support and everst cash advance.. I had to change bank accounts and the occc is desperately trying to locate everest cash even though the bbb has a bogus addy!!! Your best best bet and the cheapest way out is either close your account. Or stop payments.: and let pdl support know your disputing the agreement.. I believe I read they are not legal in Florida. Washington. California and several other states.. Do some homework befor you give anything more than the principle you borrowed.


lrhall41

Submitted by on Sat, 05/12/2012 - 13:03

( Posts: | Credits: )


Are payday Loans Illegal in CT? Because im getting the same threatening Phone Calls and Text Messages saying their gonna take legal action against me ive also gotten phone calls saying their sending the police to my home and their contacting my job...they have said their is an warrant out my arrest and a bunch of non sense. Their also changing there names to go into my account and take out money...they have Called me repeatedly all the voices sound the same but they give different names. i called to check out my case and the courts say their isnt one. jut them alone going int my account is becoming annoying...so what i want to know is are payday loans illegal in CT and How Can I stop this?


lrhall41

Submitted by on Sat, 08/18/2012 - 08:48

( Posts: | Credits: )


Thank You. So how do i go about handling this? They call from 8o'clock in the morning they even call blocked. Do i pay them back? Have You heard of Blue Ridge law group? they pay off payday loans for you and you pay them a percentage. So im not sure if i ignore them and make payments?


lrhall41

Submitted by on Sat, 08/18/2012 - 09:03

( Posts: | Credits: )


Follow Soaplady's advice. The loans are illegal. You are only morally obligated to pay the principal amount borrowed. No fees, no interest. Close your account, open a new one and do not give out this info to anyone.


lrhall41

Submitted by bingonut on Mon, 08/20/2012 - 06:10

( Posts: 1428 | Credits: )


you are under no obligation to speak to these mopes.they are trained to have an answer for everything,and it's wrong,meant to confuse,and will be threatening at times.you can do a few things.

1)turn off your ringer
2)make notes of the numbers and ignore
3)file the complaints outlined in soaplady's signature then ignore

in fact try the last two first,and then go from there.if they call your work hang up once you know it's them without another word.again all they want to do is argue and threaten.don't give it to them.


lrhall41

Submitted by paulmergel on Mon, 08/20/2012 - 06:40

( Posts: 15514 | Credits: )