Pay Day advance license

If you go to paydayloaninfo.org, click on your state, it will take you to a page with your state's information about payday loan laws. Usually there is a link there to a "licensee database" for your state.

If you post what state you are in we can help you look . . .

I do not think that Payday Avenue is licensed anywhere in the United States but please do not quote me on that. They use an address in the Republic of Malta, their phone calls come up on my caller ID as being from British Columbia, and I have heard they operate out of a call center called ecare in Winnipeg, Manitoba.

I am located in pennsylvania any help would be appreciated I am haveing trouble finding any license info

Pennsylvania's laws are tricky, from what I understand. They let pdl companies loan if they are licensed in the state they are located in, I believe.Below You will find the Payday loan laws for Pennsylvania here (just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

How much did you originally borrow and how much have you paid these places so far?

They are allowed to be licensed in another state as long as they are not physically located in PA. They are also allowed to follow the laws of the state they are licensed in. Below is an email I recieved from the PA Banking dept:

Emails to and from PA Banking Dept

Quote:

thanks for all the info
one lick cash barrowed 300 so far paid 360 in fees
paycheck today barrowed 300 so far pair 270 in fees
not sure right now about payday avenue. Any suggestions?

As sassnlucy said, payday avenue probably isn't legally licensed anywhere. Odds are pretty good the others aren't either.

Do you still have your bank account open that these pdl's have access to?

First of all, immediately send Payday Avenue a letter revoking the voluntary wage assignment that was in your contract. They will try to use this and get the money you owe from your employer. Follow up with your employer and tell them you revoke any voluntary wage assignment you have signed as well. As a warning Payday Avenue is famous for doing this and they also called my work and my references. They have not bothered me in the last few weeks. They really cooled off when they found out my employer was not giving them any personal information on me or turning my paycheck over to them.

If Pa. allows a company to operate under the laws of the state they are in, what if they are not in a state but a foreign country like Payday Ave. aka Cash Transfer Centers aka Northway. Do they then fall under Pa. law or are they lawless.

i was wondering if anyone knows anything about emerald payday loan? bmg marketing group? i have not heard anything from my att. general. also these companies call me at work and or e-mails. i have told them that they can call my ag and they tell me that they will not contact him. theya said they will keep calling and harassing me. so that tells me that they know something is not right because they won't call.

Frogpatch - They would have to be legally licensed where they are located. So if they are foreign and don't have a license from the country they are located in, they would not be legal in lending to PA consumers.

i took a 300 loan out with paydayave. i am unable to pay it this paycheck so i asked for a 2 week extension and they said it had to be paid today or they would contact my employer. what does this mean?
also they have told me i owe them 485.00 back

When I took out loans with Payday Avenue, they made me pay the whole amount on my next payday. They didn't let me break it up into payments or renew..which I am glad of, or else I would probably be battling with them too!

does anyone know if loanpoint usa is licensed in the state of Indiana? If not can I tell them to stop debiting my bank account and that I will only pay them what I borrowed, and nothing more through the mail.

No, they are not licensed in your state. CLICK HERE to find out how to deal with illegal lenders.