kingston financial
Date: Wed, 09/23/2009 - 14:56
Payday loans are prohibited in N.Y. Apply any and all payments y
Payday loans are prohibited in N.Y. Apply any and all payments you have made to these companies and deduct it from what you originally borrowed. CLICK HERE to find out how to deal with illegal lenders.
so my previous loan that i had with them was for 200 and i paid
so my previous loan that i had with them was for 200 and i paid them 290, my current loan was also for 200, i haven't made any payments on it yet. I was planning on paying them back the 200, but since i over paid on my last one you saying i should only send them 110?
Quote:Originally Posted by islefan3949so my previous loan that i
Quote:
Originally Posted by islefan3949 so my previous loan that i had with them was for 200 and i paid them 290, my current loan was also for 200, i haven't made any payments on it yet. I was planning on paying them back the 200, but since i over paid on my last one you saying i should only send them 110? |
Yes, that's exactly what I am saying.
Thank you very much I can apply this to all my pdl's then right.
Thank you very much I can apply this to all my pdl's then right. cause like many people on here i got into the trap of taking one out having them take out all the fees then finally over paying then taking it out again. so let me ask you i had loans with ameriloan and united cash loans a while back and the took all kinds of fees out then when i paid them I definitely over paid. now i still have a blance with them from other laon i had taken out months back. for 200 and 250, so I could tell them that i owe nothing since i over paid so much on my previous loans. I know it will be a tough go, but if i can work it is that my best way to go?
Quote:Originally Posted by islefan3949Thank you very much I can
Quote:
Originally Posted by islefan3949 Thank you very much I can apply this to all my pdl's then right. cause like many people on here i got into the trap of taking one out having them take out all the fees then finally over paying then taking it out again. so let me ask you i had loans with ameriloan and united cash loans a while back and the took all kinds of fees out then when i paid them I definitely over paid. now i still have a blance with them from other laon i had taken out months back. for 200 and 250, so I could tell them that i owe nothing since i over paid so much on my previous loans. I know it will be a tough go, but if i can work it is that my best way to go? |
Definitely deduct any amounts you have paid from the original amount of the loans from ANY unlicensed lenders.
even though the money was applied to loans i had with them say a
even though the money was applied to loans i had with them say a year/year and half ago not the current one i owe money on
Quote:Originally Posted by islefan3949even though the money was
Quote:
Originally Posted by islefan3949 even though the money was applied to loans i had with them say a year/year and half ago not the current one i owe money on |
It was illegal at that time also, so yes, that's what I would do!
Thank you very much for your help, both you and paul with the he
Thank you very much for your help, both you and paul with the help of you guys i'm almost out of this mess. one by one i'm getting rid of these.
Yay for you, just keep your chin up things will eventually get b
Yay for you, just keep your chin up things will eventually get better!
I was just thinking though I don't know the exact amounts that I
I was just thinking though I don't know the exact amounts that I have over paid on previous loans, I do know for a fact though that I have given them much more than the amount of my current loan. I have copies of the letters that you have listed with the stickys, my question is what should i tell them? just that I had over paid on previous loans and therefore my current account should be considered paid in full?
Quote:Originally Posted by islefan3949I was just thinking though
Quote:
Originally Posted by islefan3949 I was just thinking though I don't know the exact amounts that I have over paid on previous loans, I do know for a fact though that I have given them much more than the amount of my current loan. I have copies of the letters that you have listed with the stickys, my question is what should i tell them? just that I had over paid on previous loans and therefore my current account should be considered paid in full? |
Pretty much, I would keep it brief and to the point.
one other question i've been sending out letters to one click, u
one other question i've been sending out letters to one click, united cash and amerilaon, but haven't heard anything from these places in a while, should i keep sending stuff out to them or should I just let it be. Is it common for these places not to respond?