payday loan help

You must be having a bad day.  We do highly recommend that the loans be paid back but only the original amount borrowed,  nothing more, nothing less.  What is the old saying, "it takes one to call one"?.  Get a life!

Out of all the PDL lenders that you have, only Cashnet USA is legal in Maryland. They are not a payday loan lender but a CSO. You can contact them and try to get a payment arrangement.

All other PDL lenders are illegal in your state. You are only morally responsible to pay them the actual amount borrowed. Close your bank account ASAP and file complaints against the illegal lenders with your states' AG, the BBB and the Maryland Commissioner of Financial Regulation.

Ok thank you for the info but what is a CSO?

CSOs are Credit Service Organization. They are above the state PDL laws.

No no, it isn't that they are above the laws, it's that they aren't regulated.

The Credit Service Organization model is not required to obtain licensing by the state! CSO's are only required to "Register" with the Secretary of State, they are NOT licensed, and their fees ARE NOT REGULATED.

Isn't the CSOs another way to harass people? By not regulating their fees, the Govt. is only increasing the pressure on consumers. If they are not regulated by state's laws, then aren't there any regulator for these CSOs?

Quote:

i finally had to stop payment on Manhattan Processing because they absolutely will not make any type of arrangement. they said i will go to outside collections. i asked for contact info for the agency and they gave me a crazy email address

[EMAIL="customercare@zardam.com"]customercare@zardam.com[/EMAIL]

so i guess now i just wait to hear from them since i tried emailing them and haven't heard anything

I have 5 payday loans out and I live in Indiana--can anyone tell me if these places are legal in this state.
1. Cash transfer centers
2. United Fast Cash
3. United Cash Loans
4. Paradise Payday Loans
5. Loan point
I have been paying on some of these for over 6 months---I know I have paid them back in finance charges twice :(........ except cash transfer center who don't allow roll over.
Someone please help

I have answered the thread which you have started with the same post. Please do not post the same content again and again.

http://www.debtconsolidationcare.com/forums/showthread.php?t=91113

I advise anyone to never use Manhattan Processing, they are a rip off. I had a loan, talked everything over with the representative Ashley and when I finally sat down and looked at the paperwork they sent me, it had the wrong date on the paperwork that I was suppose to pay my loan back. I called them and they told me I had to go with whats on my paperwork after we came to a agreement over the phone on the date. I have bills, I have payments taken directly out of my bank account. I told her there is no way I would have agreed to that date, my car note and insurance are taken out on they date every month. I told them to take the money right then and there and I wouldn't referr them to anyone. Well that was a few months ago, I just called them and wanted to get a couple of hundred until next week and they told me they couldn't loan to me because I called in hateful and said I would never use them again.......REALLY!!!!! That was God intervening because I really didn't need to deal with a so called company like Manhattan Processing......they are definitely a rip off..... my annual percentage rate was 782.14%.....what really was I thinking!!!!!

Thank you for sharing your experience regarding Manhattan Processing, Shellbell.

I would like the phone numbers for manhattan processing and paragon processing please.

Please help! I was just advised to contact [EMAIL="customercare@zardam.com"]customercare@zardam.com[/EMAIL] today. I had a payday loan and thought it was paid off. Just found out today I am wrong and they sent it to an email address!??! They couldn't give me any other contact info or who these people are. I live in Oklahoma and am not sure if all these payday loans are legal. I can't reach these guys. What kind of damage can they cause me?

Yes they are legal and your are a d-bag. Payday loans are designed to be paid back on your next pay date. If you chose to refinance thats your problem suck it up and pay what you owe.

At no time should you admit to any debt that you are not sure you have. At no time should you admit that you have any debt at all. If a company purchases your debt, the debt will show on your credit report and you should receive paperwork that states that your debt has been sold to (name of the new company) and then they have to prove they own it. If they are calling you regularly and beyond 8 PM start a log and record every call on a log sheet. When you can establish a trail of harrassment you will then have the ability to contact a lawyer and file harrassment charges, send the communications to the Officer of the Attorney General of your state and then make sure that you add your name to the do not call list.

The next time they call you, tell them to stop calling you and that you do not believe the debt is yours. End the call and begin a log from that date with the time, date, who you spoke with and how long the call lasted. Also try to log what was said in the conversation. This will pay off in the long run because the fine for harrassment in this form can be as much as $2000 payment to you and a hefty fine on the company.

This country is in a rut because ppl like you cant learn to live within their means. I think you should pay the full balances of what you owe to teach you a lesson. Whether the loans are legal or not you should have looked all that up before you took out the loan. your own fault now pay it back scumbag.