Help!! IPDL's in Indiana!!!

I have looked at the links in your signature. Thank you. I just have another question,  how I can get in writing (from a website or something) that they are illegal, so I can take it to my bank, for proof.

I went today, closed my bank account (no problems!! YAY!!), and sent the Revocation of ACH, Wage Assignment, and Cease and Desist letters, via E-mail. I also took a Revocation of Wage Assignment and Cease and Desist letter to my HR department at work. Could anyone tell me if this letter "sounded" appropriate? I did take little bits of information from various posts on here.
Also, I "deleted" all of my info, to protect myself, and my accounts.




This letter is to inform you that I am aware of the FACT that the loan you issued to me, is NOT legal or binding in my state. For your convenience, I have included my state payday loan laws below.

(Insert your state’s payday loan laws here)


The state of _____ (The state you reside in) requires Internet payday lenders to be licensed in MY state. I have already researched this information, your company does NOT have a license to lend in the state of ______ (The state you reside in), if I am mistaken I will need proof in the form of a license number, so that I may verify it with my Attorney General. I am bound by the state laws where I reside. As I have no presence in your state, therefore I have no legal obligation to the 'governing laws' you may have detailed.
Be advised that as of today _______ (Today's Date) I am revoking ANY and ALL ACH authorizations with your company from debiting any AND all of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I also revoke ANY and ALL wage assignments I may have signed, by you, including but not limited to; any of your affiliates, dba's, and collection agencies assigned to this account. None of the above, any longer have my permission to access my accounts or impose a wage assignment.
I will only communicate to resolve this matter via email or United States Parcel Service (USPS). I am requesting in writing, that you do not contact my work by phone, since my workplace does not allow personal calls, and doing so will be in violation of _____ (State you reside in) State Law, and will be reported to the _____ (State you reside in) State Attorney's office. If you ignore this notice and attempt to contact me or any of my references via telephone, you will be ignored and any payments owed will be delayed. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $_____ on _______(Date deposit was deposited into bank) and have had __ (bi) weekly withdrawals totaling $______ debited from my account. I am willing to repay the $______ balance via Money Order (by USPS) in __ monthly installments of $______ each. However, no address means NO payments, this is not negotiable.
If you do NOT reply to this notice within 48 hours I will be forced to file complaints with _____ (State you reside in) Attorney General, _______ (Name of Attorney General), the BBB and the Federal Trade Commission. If you reply to this notice with any misleading legal implications, or menacing course of actions you are unable to follow through with, I will be forced to take actions against you which could cause you to lose your license in the state of ______ (State the loan company is located) and cause damage to your reputation, which could potentially decrease your clientele.
Sincerely,
(Your Name)

.

I logged onto my Cash Direct Express account... It says "Loan Placed On Hold" what does this mean? I can't help but get excited, but does it mean they have "written it off"?

I appreciate all of your help, and you quick responses as well, SoapLady!!

Regards,
Indiana Girl

All of your lenders are illegal.  Follow the link in my signature line for full information on how to deal with them.  You pay them back the principal on YOUR schedule, not theirs.  They will call, threaten you, tell you they will arrest you (total BS) and try to confuse you.  Follow the instructions and stay in touch with us...register with the forum.  We can help you thru this!!!

All of your lenders are illegal. You owe principal only. Don’t pay them an extra dime other than the principal. Close down your old bank account and open a new one to stop debiting money from your account. Check out this link and follow every step:
http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

Delaware Cash Direct Express
P.O. Box 2780
Wilmington, DE 19805-0780
1-800-432-2562 - Telephone 1-800-432-2736 - Fax

TO:
FROM: Delaware Cash Direct Express
RE: Loan #
DATE: January 31, 2013

We are writing in response to your email complaint received on January 23, 2013.

Delaware Cash Direct Express (“DE CDe”) is a corporation that is fully-licensed as a short-term lender in good standing in the State of Delaware. DE CDe does not do business in Indiana, but did make a loan to you pursuant to your request made via the Internet into the State of Delaware. The loan provided was and remains legal and compliant under Delaware law. In addition, DE CDe remains fully compliant with all federal debt collection laws and regulations.

We believe in being proactive for our customers and providing all pertinent information prior to funding the loan. As a result, a prospective customer is presented with their Loan Agreement for online review which includes the disclosure on Governing Law, Assignment and Execution. This disclosure is also presented throughout several communications prior to funding your loan request. This allows the consumer to conveniently view the structure of our product to ensure they are satisfied with the service we provide and with all provisions set forth in the Loan Agreement and its Governing Law, Assignment and Execution prior to signing the document. By signing this Loan Agreement, DE CDe believes the consumer has taken the opportunity to thoroughly review the terms and Governing Law, Assignment and Execution and wants an opportunity to utilize our service. Please be advised that the loan terms were not altered from the Loan Agreement approved by you.

Although we are in compliance with all applicable laws, Delaware Cash Direct Express (“DE CDe”) prefers to resolve these matters amicably. Currently, you have a balance of $506.00. In an effort to resolve this matter, we have waived the remaining principal balance, loan fees and consider the loan “Satisfied in Full”.

I hope this response addresses you concerns. If you should have additional concerns, please contact us by either emailing us at customerservice@cashdirectexpress.com or by calling (866)432-2562
Monday through Friday from 8:30 a.m. – 5:00 p.m. Eastern Standard Time (EST).

Thank you,

Customer Relations Department

Delaware Cash Direct Express Processing Center

Woot Woot!!!
GECC/Cash Direct Express was the EASIEST one I've had to deal with!! Of course I didn't get a refund of the $130.00 BUT I don't care, as long as they have written it off, and they DID!!!

Thank you ALLLLLLL sooooooo much for ALL of your help!! With out you ALL there is NO-WAY I could have done this... Just 4 more to "deal with" and I'll be in the "clear"! AND BELIEVE ME, this will NEVER HAPPEN AGAIN!!!

I am responding to the email referenced below regarding your outstanding loan with Sure Advance.

Sure Advance is a company in good standing in the State of Delaware and a fully-licensed Delaware short-term lender. Sure Advance does not do business in Indiana, but did make a cash advance to you pursuant to your request made in Delaware via the Internet. The transaction is legal and compliant under Delaware law.

Sure Advance has modeled our short term loan product to disclose all information available. This pertinent information was shared with you prior to the funding of your loan. A loan agreement was presented to you on our website in Delaware after the completion of your online application which was done on November 26, 2012.

Your outstanding balance is $271.80 which includes the principal borrowed and interest owed on the principal.

As a result of our commitment to customer service and your misunderstanding of the terms of the loan, we will accept a settlement of $100.00 on the balance owed and forgive the remainder of the balance.

Please let me know if you would like to take advantage of the settlement offer no later than Monday of next week.

I am also willing to customize a payment plan for you if you need the help. I will await your response.

Regards,
Denise



Denise McGeever
Director of Customer Relations
Sure Advance, LLC



What should my response be??
Sure Advance amount $300.00
Paid back $334.48
OVERPAID: $34.48

Alright, I have now registered. I know you've said they're illegal, but how do I go about showing my bank "hard copy proof" that they're illegal?