Pay Day Lender - NC

i think PDL'S are totally prohibited in NC.if so all four acted illegaly loaning to you.if you could provide the following.

how much paid total to each

if PDL'S are prohibited you owe the principal borrowed,that is
it.

Ezpaydaycash.com Loan for $350 have paid $210/ balance $475
500fastcash.com Loan for $200 first fee bounced none paid
Unitedcashloans Loan for $300/ have paid $127.50
worldwide credit Loan for $200/ first fee bounced paid none.

anybody got any ideas??

Hello and welcome to the community! I am going to go ahead and post your pdl laws, in the meantime, I have a suggestion for you. Type the name of the pdl company into the search box which is located in the upper right hand corner of this forum, a list of topics will come up and if you go through them you can gather some information which will help you figure out whether they are legal to lend or not, also, it will give you some insight on how others have dealt with these companies. :)

Quote:

i knew pdl's were totally prohibited,now how you proceed is up
to you.we here advocate you pay the principle borrowed.that is
all you owe.i would go about making sure your bank account is
either closed or secure.if not closed then put it on deposits only
or a hard debit block.then you can go about making payment
arrangements.

You need to send letters to each revoking all ACH priveliges. You also need to go into your bank and speak with the bank manager about shutting down your account and fully blocking it from all transactions. According to the NC law that was posted those loans were made illegally and in my opinion legally you would owe them nothing. I would suggest you get your finances in order and then pay back only the amount you borrowed minus whatever you already paid them.

EZPayDayCash
4760 South Highland Drive
Suite 654
Salt Lake City, Utah 84117
They are licensed (I believe in the state of Utah), however, since pdl's are prohibited in your state, all you are obligated to pay back is the principal amount you borrowed. That means you only owe them $140.00. Have you done anything with your checking account yet? You really need to send letters to these pdl's and revoke ACH authorization, and wage assignments. We can give you a sample letter to use if you would like. First though, you need to go open a new checking account at a different bank and close your current one. Please read below before you close your account.
Quote:

500FastCash
515 G SE
Miami OK 74354-8224
or
PO Box 111
3531 P Street NM
Miami OK 74355

Fax: 1-800-230-9480

United Cash Loans
3531 P St. NW
P.O. Box 111
Miami, OK 74355
Phone 800-354-0602

WORLD WIDE CASH NOW/TELMERICA
2207 CONCORD PIKE #449
WILMINGTON, DLEAWARE 19803

I am going to be moving this topic to the payday loan section.

I have opened up a new account with another bank so i can at least pay my basic bills housing and so forth. My bank with the PDL has put a deposit only block on my account so now i just have to pay off what i owe them in NSF fees before i can actually close it out.

EZPAYDAYCASH i did tell them about being illegal in NC and that i only owed them the principal and they basically ignored me and said the would be escalating the collection effort. I am basically on pins and needles everytime the phone rings.

Change your phone number. How much do you owe in NSF fees. You might try disputing them but banks are kind of ****about those fees. Also the loan was made illegally so you don't legally owe them the principal either but you could tell them you are willing to pay it back if they go away.


[color=Red]****Adult term removed - Jason[/color]

im afriad if i change my number they will call a lot at work, i work in a hospital and im sure i would and coudl get into trouble if they started calling my supervisor.

If you don't want to change the number another option is to get a smart phone with some software to filter out the calls you don't want. I know of a couple software programs that are windows based for any cell phone that uses that operating system that will do this for you. You can set it to block based on the ID# and so on. My cell phone is not windows based but has a similar function built in but it is not as powerful. It will only let me filter calls based on a list of numbers I provide. Basically it lets all of those calls in and any one not on the list gets voice mail I believe. I suspect you can get similar hardware to do the same thing on a land line based phone especially if you run that line through a computer.

I had a loan with this company--I live in NC. A woman sent me a letter stating " We do not provide loans to NC residents. Our company's website clearly stated that we do not provide any deferred deposit lending activities in NC. However, due to an error in our software, we incorrectly processed your cash advance request because you are a NC resident." The letter is dated June 30, 2008! They refunded $60 also.This came after AG wrote a letter.

I had a loan with this company--I live in NC. A woman sent me a letter stating " We do not provide loans to NC residents. Our company's website clearly stated that we do not provide any deferred deposit lending activities in NC. However, due to an error in our software, we incorrectly processed your cash advance request because you are a NC resident." The letter is dated June 30, 2008! They refunded $60 also.This came after AG wrote a letter.

FROM THEIR WEBSITE!!!!!


****Loans are NOT available to residents of Georgia, Colorado, Kansas, North Carolina, West Virginia and Washington****

They need to add IL to their list, but they probably only do so after they get smacked down and have to refund.

Well i have heard from one of my PDL, ezpaydaycash, they said paying just the principal would be fine, is it really that easy? I havent heard nothign from the others, i sent them all emails and then mailed letters last week to all.

Now worldwidecash has called and left a voice mail, i so dread calling them, anybody had any dealings with them.

you did send out AG complaints right?if so then i would wait and see what comes from that.some pdl's despite even your AG stating that they are illegal therefore you owe what you borrowed.will try to harrass you to collect.i have never dealt
with them,but some one who has can better advise.if you sent out your letters and complaints i wouldn't bother.

You will need to send a letter telling them not to call your place of employment, your references and your home. Also make sure that you file a complant with the NC Attorney General office as well.

I have heard nothing from any of the payday lenders except got a voice mail from worldwidecash requesting i call them. Logged onto the websites for 2 of my other pdl and under account status it says Balance Due: $0. Next payment Due: None.

Does this mean maybe those two companies which is 500fastcasha and unitedcashloans have wiped my debt out??? I heard once from ezpaydaycash that they would accept $125 for final payment but never heard no more from them. :?:

i was givin a loan and need to know my balance. where can i get this info

Pay only the orginial amount borrowed. Also send a c & d letter asap.