multiple loans in Wa
Date: Tue, 04/16/2013 - 00:20
1 loan is from a store front in Washington Ace Cash express
which I do have a repayment plan on... Its the other 6 I have online
was wondering about.
USFastCash $300 fee of $90 due 4-26-13
Ameriloan $300 fee of $90 due 4-26-13
Great Plains Lending $800 loans which started paying $136.47 as of 4-12-13.
Cash Fairy original loan $200 owe only $100 plus fee of $30 paid already 217.50
Bottomdollar original loan $300 owe now $250 plus fee $75 paid $117.50 already and this is 2nd time I have reloaned. paid off first $300 loan total over $700
fastnextdaycash original loan $500 owe now $200 plus fee $60 paid to date $510.
So I checked the Washington state laws which all online loans are not approved with the state.. and even the fee's are to be $15 per $100...
So are the steps I need to follow to stop all this to send the ach letters to each place and contact and send to my bank and hr dept. And possibly close and reopen a new account? thanks for your help.
All of your lenders are
All of your lenders are illegal in your state. You owe nothing more than the principal. Close down your old bank account and open a new one. No interest, no fees. Ask them for a refund, if you have already overpaid them.
Here is the link you should
Here is the link you should use for the steps to follow... http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html -
All lenders including online must be licensed to lend in the state of WA.. you can check here to see if any are.. http://www.dfi.wa.gov/
No problem! And if you have
No problem! And if you have not already done so, Please register with the forums.
loans in wa
So finally got my account closed and they gonna open a new one not linked.. and now am sending out the letters to each payday loan place and copies to my hr dept at work.. then let's see what happens.
wa loans
So I got email back from Cashfairy stating story about them being tribal and do not have to follow the rules but they did cancel out the loan as it was overpaid but no refund, oh well..
Great plains lending said they would work out a deal wanted so much in six months but I replied back to them on my terms, Still waiting on that.
Now Ameriloan and Usfastcash both show on there website that account will be debited $0.00 in full on your payment date of 4-26-13. So maybe means do not own anything?
Had to resend email again to VistaB (fastnextdaycash.com) as no response yet.
Resent email also to Bottomdollarpaydayloans as no response but when trying to access account gives no info and says to contact them.
So, so far pretty good.
Thanks a bunch for the info. Saved me a lot.
Just keep standing your
Just keep standing your ground with them - eventually they will agree or they won't get anything.. remember to set up to mail them only and I would do via money order..
wa loans
So this is what US Fast Cash sent me.
The loan agreement you entered into with US Fast Cash was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian Tribe.
As a federally recognized Indian Tribe, the Miami Tribe of Oklahoma is a sovereign, just like the state of Washington.
As such, the loan agreement is a valid agreement under the laws of Miami Tribe of Oklahoma and is governed by the laws of the Miami Tribe of Oklahoma.
So I sent them this
As stated in my previous email, you are still not a licensed agent in the state of Washington.
I am once again stating I will gladly pay back the $300 which I borrowed but in $50 payments over
the next 6 months. Which is also a right by the state to have a repayment program set up.
I thank you for your co-operation.
wa loans
Yea they are still trying to say same thing. But I will stay my ground on UsFastCash...
Now I did get a call from VistaB(Nextfastcashloan) they are in west Indies I found out. And he trying to give me some bs about thats what I agreed to. I said give me your email so I can communicate to you this way only.. And he was like well you have a balance still owing of $290 with late fee's and how you want to fix it. I said I will tell you in email.. Of course I do not owe anything I borrowed $500 and with cash given and fee's comes to $510. So I will once again send same letter to him too.
Still have not heard from Ameriloans and Bottomdollarpayday loans yet.
It may take a while to hear
It may take a while to hear from some of them, at least your money is safe from them, that is what matters..
wa loans
So still no answer from bottomdollarpaydayloans, ameriloan.
usfastcash trying to say still want $300 but sent offer again of payments of $50. And VistaB now after email several times back n forth they have not responded back to me. So should I send those who have not responded back to me another email stating if do not will consider these loans paid in full?