Payday Loan Mess
Did your bank warn you first about closing your account due to o
Did your bank warn you first about closing your account due to overdrafts? Was it in the negative for a long time?
What state are you from? Go to another bank right away and try t
What state are you from? Go to another bank right away and try to open an account. Some states have banks report you for this under your credit reporting. If you want to open one, better make it quick before they do this or you won't be able to. If they do this in your state.
Your prior thread had a link to a list of banks that do not use
Your prior thread had a link to a list of banks that do not use chexsystems.
Yes, they can do that, and if you owe them anything, they can keep it.
What companies did you have loans with? If you give more informa
What companies did you have loans with? If you give more information there are people here who have dealt with many different lenders who can advise you. What state are you from? What companies do you have loans with? How much is each loan for? and finally how much have you paid on each one so far. You have alot to do to clean this up but we are all here to help you and have been in your shoes.
Your prior thread had a link to a list of banks that do not use
Your prior thread had a link to a list of banks that do not use chexsystems. Make sure you look at that list, and try banking with one of said banks.
Yes, they can do that, and if you owe/d them anything, they can keep it.
Also, once you get all the information above you will want to se
Also, once you get all the information above you will want to send each company a revocation of voluntary wage assignment so they are going for your paycheck, keep a copy of this, send it certified, you may need it for your human resource department at work. They may try to take your pay, If the pdl company snuck this one in on you, you will have that covered. Most people close their bank accounts in this situation, so you are one up on them. At least now the fees stop.
Hang in there, you may have refunds coming once you gather up al
Hang in there, you may have refunds coming once you gather up all this information and post it so that forum members can reply. Alot of good people here to help you out of this mess.
Payday Loan Mess
Ok, I went to that link, but it doesn't have it for my state which is Oregon. also, where do I get the revocation of voluntary wage assignment. i would like to get going on this tonight.
The letter would read something like: Addy... addy... addy.
The letter would read something like:
Addy...
addy...
addy...
date
To such and such:
I hearby revoke your authorization to any and all of my wages. Should any further deductions be made, you are hereby subject to legal action.
signed,
swoody
As for the link, go to page 3, press [ctrl + F] and type "oregon" in the search box. It is about 3/4 of the way down.
Should the wage letter be inadequete, rest assured, other members can point out better copies/wording/etc...
Swoody-- Make sure the wage revocation letter that you give t
Swoody--
Make sure the wage revocation letter that you give to your payroll dept covers all payday loan lenders that might attempt this. You don't have to list each company by name, just sum it up as any and all.
The letter would read something like: Addy... addy... ad
The letter would read something like:
Addy...
addy...
addy...
date
To such and such:
I hearby revoke your authorization to any and all of my wages from my current employer, xxxxxxxxxxxxx. You are also forbidden from deducting monies from any future employment I may hold.
Should any further deductions be made, you are hereby subject to any and all appropriate legal action against you, of which I will not hesitate to procede.
signed,
swoody
As for the link, go to page 3, press [ctrl + F] and type "oregon" in the search box. It is about 3/4 of the way down.
Should the wage letter be inadequete, rest assured, other members can point out better copies/wording/etc...
Damn bugs...logging me out in less than 5 minutes :x
Payday Loan Mess
Thank you to all of you for your help and advice. I am so new to this. I finally got to the oregon link, but it doesn't list any of the banks around here. should I just start calling around and asking, or would that not be a good choice. also, If anyone has a better copy or wording for the revoke letter, I would appreciate it. Like I said i am new to this, and i just want to get it right.
Swoody, what part of Oregon do you live in (just generally). I'
Swoody, what part of Oregon do you live in (just generally). I'm the one that made the bank list and I live in Oregon so my research is very extensive . . . . Also, don't just run and open a new account at any bank. Even if the old bank hasn't reported you to chexsystems yet, they still can and most major banks do chexsystem sweeps. They will also feeze and close your new account just like the old bank did. It sucks. Also, wage assignments are ILLEGAL in Oregon. They cannot assign your wages, so don't worry about that.
Payday Loan Mess
I live in Condon which is about 70 miles southeast of The Dalles. We have one bank in town which is Bank of eastern Oregon. Some of the banks in surrounding town are Sterling, and wells Fargo, and Bank of america
Do not go with Wells Fargo. They are notorious for freezing and
Do not go with Wells Fargo. They are notorious for freezing and closing bank accounts and if you have a chexsystems report they will find it and screw you. I just PM'd you a message with the Oregon stuff, but you are right, there isn't much around you. I would try applying at BofA online. That should work.
Payday Loan Mess
no, not military. Preschool teacher. Can you imagine. I should be smarter than to get into this mess.
Darn, there is a really good online bank that doesn't use chexsy
Darn, there is a really good online bank that doesn't use chexsystems, but you have to be military or recently out . . . . Did you get my PM?
I will look and see if I can find any other banks in the area fo
I will look and see if I can find any other banks in the area for you . . . . I'm looking at a map, but it looks like there really aren't any other towns around yours. Is that right? Also, is there anything specific you are looking for in a bank? Would you consider an online bank or do you need to have a physical location?
Payday Loan Mess
the biggest towns are The Dalles and Hermiston, and they are both about an hour and a half away. Our local bank is bank of eastern oregon, and I went online to look, but i didn't see anything about what they do when you apply for an account. I just really need someplace to cash my check,my husband had direct deposit, but the school where i work doesn't offer it.
swoody sounds like you are on your way and you have a great res
swoody
sounds like you are on your way and you have a great resource in goudah2424 from your state and been here awhile. Keep posting your questions, you will get through this one step at a time.
So you need a physical bank location? Most online banks you cou
So you need a physical bank location? Most online banks you could deposit checks with an ATM, but fees may be involved. You can also mail your deposit in, but that takes a few days.
Payday Loan Mess
Update. I was able to open an account at our local hometown bank. I just ask our old one if they report to chexsystems, and they said no, but that everything had been paid anyway. No on to working on this payday loan mess.
Quote:I should be smarter than to get into this mess. Don't b
Quote:
I should be smarter than to get into this mess. |
Don't beat yourself up. These companies prey upon people who fall on hard times. I'm sure you wouldn't have gone there if you weren't in need of immeadiate funds.
Payday Loan Mess
Thank you for your support. No I wouldn't have gone there if I could have done anything else. I just hope I am not too late to fix the mess i have made od everything.
Are you pdl's internet? If so, there is a chance that they aren
Are you pdl's internet? If so, there is a chance that they aren't licensed in Oregon. Can you list what companies you have pdl's through?
Payday Loan Mess
ok, here goes.
United cash Loans
Cash central
Payday OK
ameriloan
Cash direct express
Cash Transfer Centers
Ten dollar Payday loan
Sonic
Cashnet USA
Apple Fast Cash
Money world lending
1800899cash.com
I know that is a lot, and I feel like I have to explain. In June my husband was diagnosed with a blood disease.he couldn't work, and we were about to lose everything we had. Maybe even still. i felt I had no choice.
United Cash Loans - Not licensed in OR Cash central - Licensed
United Cash Loans - Not licensed in OR
Cash central - Licensed in OR
Payday OK - Not licensed in OR
ameriloan - Not licensed in OR
Cash direct express - Not licensed in OR
Cash Transfer Centers - Not licensed in OR
Ten dollar Payday loan - Not licensed in OR
Sonic - Not licensed in OR
Cashnet USA - Licensed in OR
Apple Fast Cash - Not licensed in OR
Money world lending - Not licensed in OR
1800899cash.com - Not licensed in OR
So only 2 of your PDL's are legal. I would focus on paying those 2 off first. Send letters to the others saying that since they aren't licensed they cannot lend money in OR, and request that the loan be marked PIF. You can find some good advice and form letters on this site, but I recommend putting things completly in your own words. Most of the PDL's have seen the form letters many times.
Oh, and I also talked to the eastern bank of oregon. They will
Oh, and I also talked to the eastern bank of oregon. They will open a new account for people on chexsystems as long as the item is paid. The only catch is that you will not have overdraft protection on the account. Other then that it is just like a regular checking account.
Here is some contact info I found for some of your loans in case
Here is some contact info I found for some of your loans in case you need it.
United Cash Loans
3531 P Street NW
Miami, OK 74355
Telephone: (800) 230-9480
United Cash Loans
2533 N. Carson St Ste. 5020
Carson City, NV 89706
Telephone: (800) 354-0602
Fax: (888) 570-9772
Cash Central
84 East 2400 North
North Logan, UT 84341-2902
Telephone: (800) 460-4305
Fax: (800) 460-4217
cashcentral.com
PayDay OK of Delaware, LLC
2207 Concord Pike #606 (866) 612-4506
Wilmington, DE 19803
PayDay OK of Delaware, LLC
2810 Sudderth Drive Suite 211 (866) 612-4506
Ruidoso, NM 88345
(817) 546-2700
(866) 201-5377
(866) 701-5370
ameriloan
2533 N Carson St Ste 4976
Carson City, NV 89706
Fax: (800) 475-1379
AmeriLoan
3531 P St. NW
Miami, OK 74355
Telephone: (800) 362-9090
Fax: (800) 475-1379
GECC Cash Direct Express
cashdirectnow.com
300 Creek View Rd Suite 204
Newark, DE 19711
Cash Transfer Center
P.O. Box 1216
Oaks, PA 19456
Ten Dollar PayDay
tendollarpaydayloan.com
Phone Number:800-992-9482
Sonic PayDay
P.O. Box 1209
Oaks, PA 19456
(877) 263-3666
CashNetUSA
PO Box 06230
Chicago, IL 60606-0230
Telephone: (888) 801-9078
Fax: (888) 801-9075
Cashnetusa.com
Apple Fast Cash Personal Loans
fast-cash-personal-loans.com
1010 Concord Avenue Suite 204
Wilmington, DE 19802
Phone Number: 888-309-3278
Fax Number: 888-663-0274
1800899cash.com
p.o.box 099
Claymont, DE 19703
Phone Number: 800-959-6680
Payday Loan Mess
Oh My Gosh, thank you so much. I will get on that right away. I was having trouble finding all of the contact info. I love this site. It feel so nice to talk to people who have been there. Thank You.
No problem. I couldn't find anything for Money World Lending .
No problem. I couldn't find anything for Money World Lending . . . . But I was only checking the BBB, so they could just not be on there.
Oregon people UNITE! Where in Pregon are you, Gouda? I'm in Port
Oregon people UNITE! Where in Pregon are you, Gouda? I'm in Portland.
Hey goudah2424 I know you are from oregan, but I can not seem
Hey goudah2424
I know you are from oregan, but I can not seem to find out if cashnetusa is licensed in Pennsylvania. Can you possibly find out for me please. I have searched and can't find anything.
Payday Loan Mess
OK guys, i am new to this, so hang with me.I hope this dosn't sound too stupid. I have several payday loans. I found out that several of them, all but 2, are not licensed in the state of Oregon. My question is,should I try to put them all on a debt consolidation, or should I contact them first and tell them that it was illegal to loan to me in oregon in the first place. Also, what is a good consolidation company. I don't want to be in an even bigger mess.
From what I can tell, they are not licensed in PA, but it looks
From what I can tell, they are not licensed in PA, but it looks like they are prohibited there, so they couldn't get a license if they wanted to. Here is the state info in case you don't have it:
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html
I will check into things a bit more and get back to you for sure about their licensing status . . .
Swoody, unless you have a lot of other debt that needs consolida
Swoody, unless you have a lot of other debt that needs consolidating I personally would do it myself. Can you list how much you borrowed/paid back on each loan? That way we can tell if you still have to pay them, or if you should be paid off by now.
Payday Loan Mess
Hi goudah, yeah, I will list all of that, but I will have to do it this evening, I have to get to work. Nothing like a bunch of rowdy 3 year olds to take my mind off of my money problems. Thanks for your help and advice, much appreciated.
I live in missouri and have many of the same questions that swoo
I live in missouri and have many of the same questions that swoody has, i have three payday loans from the internet and am drowning, where do i find if these companies are licensed in missouri? and if they are not should I stop the loans from debiting from my checking account, send them letters, b/c technically I have paid them what I own them, even though they claim they are fees
Sure, if you go to paydayloaninfo.org you will find a link to yo
Sure, if you go to paydayloaninfo.org you will find a link to your states laws, and a link to your states database of licensees.
Yes, if you have paid them the legal amount for your state you should close your checking account, open a new one, and start the letter writing!
Ok. does anyone know if pdl can be included in debt consolidatio
Ok. does anyone know if pdl can be included in debt consolidation? if so, what companies?
I have a loan thru cashnetusa, gfsil and united cash loans, are
I have a loan thru cashnetusa, gfsil and united cash loans, are they legal in missouri
Some companies do allow payday loans to be consolidated . . . .
Some companies do allow payday loans to be consolidated . . . . Not many though . . . . There is one that has been discussed on this board called Langhorn Law or something like that, I know they deal with pdl's. I'm not very familiar with consoildation companies, so maybe someone with more experience in that area will answer.
fedupinpa - I researched the cashnetusa in PA question and I ans
fedupinpa - I researched the cashnetusa in PA question and I answered it in the thread you started for it . . . . Just is case you check back here for a answer . . . .