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I've had a thread before ---- but I've tried doing a few things with my PDL's before I posted anything else.

I have several questions --- but let me refresh my scenario.

I live in Ohio. I have the following PDL's which are all either defaulted or on EPPs except for one online PDL.

Storefront:
Check Into Cash 912.50(EPP - 1`st Pmt July 2008)
Check N Go 912.50 (EPP - 1st Pmt July 2008)
Quik Cash 575.00 (EPP - 1st Pmt 8/15/2008)
Cashland 912.50(Defaulted - 1st Pmt to begin 8/30)
Purpose Money 912.50(Defaulted - don't know how I'm going to pay)

Internet:
BIG Int'l $200 + Fee (Defaulted)
ACH Loan - $200 + Fee (Defaulted)
Quickets Cash Adv (MTE) $300 + fee (defaulted)
Magnum Cash Adv ($387 -- will take payments until I can get them paid in full in October - defaulted)
World Wide Cash - $200 paid $89 fee (Haven't defaulted on this one yet)

I'm doing my best to get all the storefront loans paid.

What can the internet payday lenders legally do to me for defaulting?

My Credit Cards and loans are now falling 1 month behind -- but I just don't have the $ to pay all of them. I really don't want a judgement against my wages --- because my employer has a clause that employeers shall not have any garnishments of wages (other than child support) in their handbook rules ---- or they could face termination.




You're going to need to stand firm with these illegal companies, tell them if they won't email you an address to send payments via money order, than they won't receive their payments, this way you will have it in writing that you were making every effort to pay them. As I said before, any company that is not licensed in the state of Ohio are lending to Ohio residents illegally, what that means is you are only obligated to pay back the principal amount, I don't care what they tell you, Ohio law prevails. :wink:

Magnum Cash Advance, Inc.
Address: 1403 Foulk Road Suite 203
City: Wilmington
State: DE
Zip Code: 19803
Branch: No

ACHLoan
To my knowledge there is no address or email available, the only way to be in contact with them is through their website, and they have a habit of blocking customers who default and make a fuss.

B I G Payday
1005 Terminal Way STE 102
Reno, NV 89502-2179
Telephone: (877) 282-5450
Fax: (877) 762-7350
big-int.com

World Wide Cash Now (Telmerica)

2207 Concord Pike #449
Wilmington, DE 19803

MTE (Quickest Cash???)
compliancedepartment(at)mtefs.com
Rio Resources/MTE Financial Services
147 Eubank Blvd NE
Albuquerque, NM 87123
Phone: 866-859-6129
Fax: 866-668-0535

Sub: #31 posted on Thu, 08/21/2008 - 16:21

Shazzers Shazzers
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(Posts: 17345 | Credits: )

I guess --- how do I find out if Magnum Cash Advance is legal to lend in Ohio?

Magnum Cash Advance is who I had a loan with --- but the email I got to collect was from Cash Call.

So now I'm confused if they are legal or not?

Sub: #32 posted on Thu, 08/21/2008 - 18:45

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Well, that's the part that I don't get, unless Magnum is also an installment type of loan, I am hoping someone else will be along with the correct information.

Sub: #33 posted on Thu, 08/21/2008 - 19:02

Shazzers Shazzers
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(Posts: 17345 | Credits: )

I've read several places that is not legal then one place it does say it is not legal.

I'm sorry shazzers it is Call Center Services that I got the email from. NOT CASH CALL Also -- on the website it says International Cash Advance 2008

Sorry!!!

I have made the following payments on my EPPs:

ChecknGO $228 (Orig 912.50)
Check Into Cash $228 (Orig 912.50)
Quik Cash $145 ($575)

I need to pay my Purpose $ in full on the 29th! I just can't do it. I also have to make a $238 Payment to cashland. Both of these PDLs have a $932.50 Balance.

I wish that I could find a parttime job to get these paid but I'm having no luck with that.

Sub: #34 posted on Thu, 08/21/2008 - 19:20

Unregistered


Shazzers:

I had stated that World Wide Cash is still open on my current checking account. I got a $200 loan and Have already paid $89 dollars. Should I put a stop pmnt on my next pmt of $89 and use those $ on my legal loans? Do you think they will try and debit my account under another name?

I know they are way illegal too --- they are from the UK --

Sub: #35 posted on Thu, 08/21/2008 - 19:29

Unregistered


I'm afraid they will make every attempt to retrieve you money if you place a stop payment, illegal companies will stop at nothing. I wouldn't feel safe just stopping payment, and once you do that, it will make them mad, then they will use another name and debit the entire amount, and only heaven knows what that amount may end up being. I really wish you would either close out that account or place a hard debit block on it. :shock:

Sub: #36 posted on Fri, 08/22/2008 - 04:27

Shazzers Shazzers
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(Posts: 17345 | Credits: )

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