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Internet payday loan laws for Indiana??



thisdesertlife24

Posts: 3
Credits: 558.7
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Sub: Internet payday loan laws for Indiana??
Mon, 02/01/2012 08:03

Please help me. I am in deep with the Internet payday loan demons. I have put a stop payment on one already. I only did it to make ends meet when my husband switched jobs. He is still awaiting his first paycheck, I work full time. We are not bad people.. just in a bad situation. Please, someone give me some advice. Also, I live in Indiana. None of these places have an actual 'live check' but rather the routing numbers to my bank and my checking account number. They are all out of state 'lenders' but in the interim, I don't really want to go to jail while trying to dig myself out of the hole. What is the best way to proceed? I want to stop payment on all of them, and go from there.. but can I?



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kellim
kellim
Posts: 1
Credits: 163.75

Sub: #1 payday loan hellMon, 01/02/2012 - 08:03



I too am in some payday loan hell, I have some that I am not sure how to stop on. I have ended my bank acct and got another one so far. the ones I owe are

plaingreen loans
ameriloan
cash net usa
united cash loans
cash call

are these legal in indiana. are there letters I can send out to either stop them and/or get my money back?

any help is greatly appreciated and needed.


Unregistered

Sub: #2 HelpMon, 05/23/2011 - 20:23



I have three internet pay loans one is with 500 fast cash, one with loan point usa and one with ameriloan. How can I find out if they are licensed in Indiana? What do I do if they are not?


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Sub: #3 Needing help.......Internet Payday Loans in Indiana!Tue, 12/08/2009 - 22:38



[COLOR=black]Hello,[/COLOR]
[COLOR=black] [/COLOR]
[COLOR=black]I live in Indiana and a few weeks ago I took out several online payday loans in an attempt to get me out of a financial hole. After paying the finance charge alone on several of these loans bi-weekly, I have found myself in a deeper whole and unable to maintain household expenses. I am so afraid right now because these companies have my banking information. I contacted all the companies by phone to discuss possible payment arrangements and none are willing to accept my request. I noticed that all of the companies are illegal in the state of Indiana. What should I do? All loans (minimum finance charge) are due 12/11/2009.[/COLOR]
[COLOR=black] [/COLOR]
[COLOR=black] [/COLOR]
[COLOR=black]Kingston Financial: $289 ($200 plus $89 finance charge) [/COLOR]
[COLOR=black]My Payday Loan: $375 ($300 plus $75 finance charge) [/COLOR]
[COLOR=black]Paycheck Today: $260 ($200 plus $60 finance charge) [/COLOR]
[COLOR=black]Loan Point USA: $390 ($300 plus $90 finance charge) [/COLOR]


Shazzers
Shazzers


Posts: 17128
Credits: 158771.1

Sub: #4 Quote:Originally Posted by AnonymousHello, I live in North CaroSat, 11/14/2009 - 20:30



Quote:
Originally Posted by Anonymous
Hello,
I live in North Carolina.
Here is a list of Payday Lenders I have Now.
OnclickCash
PaydayMax
MycashLoan
Discountadvanace
UnitedCashLoan
SarlaryFast
CashSupply
Any info on these would be great.
Thanks
Todd


Internet payday lenders are prohibited in N.C. CLICK HERE to find out how to deal with illegal lenders.

Visit my blog-TAKE CONTROL!
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates!
Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws


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Sub: #5 Hello, I live in North Carolina. Here is a list of Payday LendSat, 11/14/2009 - 18:37



Hello,

I live in North Carolina.
Here is a list of Payday Lenders I have Now.

OnclickCash
PaydayMax
MycashLoan
Discountadvanace
UnitedCashLoan
SarlaryFast
CashSupply

Any info on these would be great.

Thanks

Todd


Unregistered

Sub: #6 Good luck!Fri, 11/06/2009 - 16:46



Quote:
Originally Posted by anonymous
i found out over the weekend that my husband has 5 out of state payday loans. They have been wiping out our bank account the last month and taking most of it since january. I am on ssd. We are about to go into foreclosure because he they have been taking the money and my husband didnt want to tell me what he had done. Is this legal for them to do so. They say he has 8 more payments to go. I am running scared


no!!!!!!!!! They can not continue doing that go. To indiana paydayloans laws. .call this number 317-232-3955 ask for dave larson. He can help you. I have 4 paydayloans too! Close your account and get a money card from walmart. Play their game tell them about indiana laws. Good luck!


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Sub: #7 Omg, i did this bankruptcy back in May 2005 and at that time i hFri, 11/06/2009 - 15:19



Omg, i did this bankruptcy back in May 2005 and at that time i had 8 r 9 Pay day Loans. I am getting out of bankruptcy in April 2010 and i dont need them to be on my credit report and i dont want to call my Attorney and let them no that i just got 3 more. I have really messed up this time i need to get out of this mess really fast..


Shazzers
Shazzers


Posts: 17128
Credits: 158771.1

Sub: #8 Quote:Originally Posted by AnonymousSo do you think Speedy Cash Fri, 11/06/2009 - 15:12



Quote:
Originally Posted by Anonymous
So do you think Speedy Cash can do anything to me? I was able to do it online and we do have the stores up here.. Do you think Payday One will help me out with a payment every week but not for the 96 every 2 weeks


Based on other members experience here with PaydayOne, they will probably be helpful, but no one can ever be sure until they ask. Did you see if Speedy was a member of the CFSA? If they are, then they should have an EPP available, if they aren't then yes, they will eventually sue you. I am curious, why didn't you add them to your bankruptcy?

Visit my blog-TAKE CONTROL!
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates!
Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws


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Sub: #9 So do you think Speedy Cash can do anything to me? I was able toFri, 11/06/2009 - 15:10



So do you think Speedy Cash can do anything to me? I was able to do it online and we do have the stores up here.. Do you think Payday One will help me out with a payment every week but not for the 96 every 2 weeks


Shazzers
Shazzers


Posts: 17128
Credits: 158771.1

Sub: #10 Quote:Originally Posted by AnonymousI have 3 payday loans out atFri, 11/06/2009 - 15:05



Quote:
Originally Posted by Anonymous
I have 3 payday loans out at the moment. I am also in bankruptcy as of right. What do i need to do.
I have 1 with Payday One for 400 the 2ND 1 is USA Cash Net for 200 but i got it down to 70 dollars and now i have another 1 with Speedy Cash I live in Dallas TX and i need help not going to have the money to pay them. need so advice and when i called a company they told me i dont have over a 1,000 to do a consolidation.. Can they take Legal action against me if i dont pay them back and i close my account.. Oh yeah there all pay day loans also.


CahNetUSA isn't a payday loan in TX, they are a CSO or Credit Services Organization. The Credit Services Organization model (unfortunately) IS NO LICENSING required by the state! CSO's are required to "Register" with the Secretary of State, they are NOT licensed, and their fees ARE NOT REGULATED. They do not follow the payday loan laws. Ask them if they have a hardship payment plan. It's in your best interest to make some type of arrangements with them because they can and will sue you, eventually. Payday One is also a legal lender in TX., ask them if you can set up some type of payment plan also. Is Speedy Cash a store front lender?

Visit my blog-TAKE CONTROL!
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates!
Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws


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