Payday Loans in Utah

Here is a list of the lenders and principal amounts owed:

CashnetUSA: $1,000
247Advances: $200
United Cash Loans: $350
JD Marketing: $300
Summit Group: $300
MyCashnow: $100.00
Check City: $700
ACC: $300
PaydayMax: $400
Paydayone: $500

Any help from people who have worked something out with any of these lenders on their own would be greatly appreciated.

Thanks,

Ryan

i am sure you have made payments to some of them....how much to each? and before you close your account make sure you read



this is located at the top as a sticky!

So I got this back from 247 Advances after submitting my Cease and Desist to them.

"The Loan Agreement, to which we have adhered to by funding the loan, detailed that your loan was subject to the Arbitration Laws of Ireland, a fact by which you confirmed your understanding and acceptance of via the online signature you made. Please note, we are not a US company, have never prescribed to be a US company and have no US presence, as such are not subject to the US laws you detail. Please refer to your copy of the Loan Agreement. Under the terms of the Agreement you consented to make payments via ACH until the loan was satisfied in full. We will continue to make all reasonable attempts to make contact and to attempt collection of all funds due and payable to enable the loan agreement to be satisfied, as per the original provisions. Regards, Customer Services"

Now what should I do?

Cashnet USA, PaydayOne, and Check City are all licensed in UT so I should probably be working with them for payment arrangements first correct?

Why are my posts not showing?

Just just off the phone with JD Marketing.

They have agreed to mark my loan as paid in full!!!!!

That takes care of two off of my list.

Hopefully I can get the rest resolved soon.

Anyone have any tips on dealing with United Cash Loans? So far I have paid $315 in rollover fees on a $350 dollar loan. I sent the an offer to settle the loan for the additional $35 I owe in principal but have only received an emial back saying that they have received my inquiry and to call customer service if I have any more questions.

So I've decided to go with Town and County to help me get out of this mess. I just spoke with them on the phone and their rates seem resonable.

I know I could propably do this on my own, but I'm facing some health problems that are being made worse by this situation and having someone else take care of this allows me to concentrate of my health and life.

I want to thank everyone for their advice. I'll probably stay around and lurk since I've come to enjoy reading these forums.

Town and Country has my first payment and said they would start contacting the PDLs today for me. Which is good because they are going to find out tomorrow that my checking acount is closed when they try and debit it.

While I feel good about the situation, I am still really scared about what is going to happen. If anyone has any spare happy thoughts or energy, I'd appreciate it being sent my way.

Thanks,

Ryan

Sorry, the above post was mine. I forgot to login.

Starting to panic about what is going to happen tomorrow. Can anyone tell me what I can expect?

Thanks,

If you are going with T&C, anytime the pdl's call, just refer them there and hang up. I wouldn't bother to talk to them, since you have hired a company to deal with them for you.

wish i could throw some mojo your way,but just know this.the stuff that will come out of there pieholes will be ridiculous,and that is being kind.don't be intimidated.

Thanks guys.

It was really stupid of me to get all of these loans and I keep beating myself up over it. This could very well cost me my marriage (soemthing I am extremely fearful of as my wife and kids are everything to me). Coupled with my health problems it just gets a little overwhelming at times for me.

I'm glad I found a place where I can come and find support.

Thanks again.

You know what - As long as you are honest, and can show that you are working on things, and will make progress, your wife should be understanding.

Don't beat yourself up. Things happen. What matters is that you are willing and ready to face the problem head on and take care of it. :D

Well I double checked with my old bank this morning and made sure that my account was still closed. They said that it was even though the PDLs tried to hit it.

I also spoke with T & C who reassured me that every one of my PDLs will work with them with a possible exception of 247 Advances. The representative said that they did not have anything on them.

I figure I'll start getting calls on Monday or Tuesday from everyone. Do you think it would be wise to send out emails to the PDLs in advance advising them that I am with T&C and to contact them directly?

Thought I would give an update.

Everything defaulted on Friday. I've received a couple of e-mails but no phone calls yet. I've also sent faxes, e-mials and registered mail revoking any wage assignemnts I may have signed. In those letters I also indicated that I was working with Town and Country.

Check City has already responded that they will work with Town and Country. I'm knocking on wood right now that this will be less painful than I originally thought.

Another Update

PaydayOk is also willing to work with Town and Country. That makes two out of the three legal PDLS on board with me. If I can get CashNet to agree to work with them, I'll sleep a lot easier.

Payday Max looks like they might be difficult. They just called me at work and tried to get me to MoneyGram them money. They say that they do not wourk with debt management companies.

Ryan, keep your chin up! If Payday Max won't work with T & C, how about telling them that they will be last on your list since you (and T & C) intend to deal with cooperative companies first?

T & C says that Most PDLs will try to tell me that they don't work with them. However, in the end they always cash the checks.

I told the lady at Credit Protection Depot that she would get more money if they worked with T&C than she will trying to take me on. She said she would speak with her supervisor about it.

The one thing on my side is I am an attorney by trade (don't ask how as an attorney I got sucked into this mess. Its too long of a story).

I know Utah law very well and I know my rights under it. They are not licensed in Utah if they don't back off the $400 I owe them could cost them several thousand dollars in state fines.

Wow! That definitely gives you an advantage in dealing with everyone! Good luck, and keep us posted!

I'm actually kind of hoping that those that don't work with T & C will turn my accounts over to a third party CA. That was I can invoke the fdcpa to get them to stop calling. Utah has very permissive laws regarding both PDLs and Original Creditors.

I don't have PDLs, but I do have a lot of credit card debt. In California, state law allows me to send a Cease & Desist to the OC. However, one creditor that I send a letter to says that they don't have to abide by it because it is a business credit card (my husband's as a sole proprietor). I just told them last time I talked to them that I would no longer talk to them on the phone because my situation isn't going to change in one day so there is no need to call me daily. Today they called and I answered, but as soon as they introduced themselves, I hung up. They haven't called back yet!

So anyway, maybe as Goudah suggested earlier, you should just tell them to call T & C, then hang up.

This is the first day of them calling me. I faxed my cease and desist letter to Credit Protection Depot after they called me at work.

They are actually the only ones who have called. Everyone else seems to be behaving.

Thought I would give another update as I haven't been around for a couple of days.

Check City, CashnetUSA, PaydayOne all paid in full. This takes care of all of my legal ones.

247 Advances I removed from my T&C plan because I have paid them over $600 on a $200 loan. I did make one mistake with them yesterday though. When they called and started to get snippy with me because I wasn't going to give them money I told the person on the phone to f*** off and die.

PayDay Max still wants to be difficult so I am filing my complaints with every regulatory authority I can find. I am also researching what legal recourse I have against them.

My wife is not going to divorce me although it will take several months of marriage counseling to work things out.

All in all I feel things are looking up for me.

This place has been a true blessing. Thanks again to every one who posts here.

Ryan, that's great news! It sounds like everything is on the right track! Keep up the good work, and congratulations!