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Debt Consolidation Forums Payday Loan help

List of Payday lenders--- loans and amounts paid. HELP PLEASE!!



HOWDIDIGETINTHISMESS

Sub: List of Payday lenders--- loans and amounts paid. HELP PLEASE!!
Sun, 30/09/2012 17:34

I am so happy I stumbled on to this forum. I am in PDL hell-- and I need help. I can't believe I have been this stupid... Below is a list of PDL companies, the amount borrowed, and the amount paid back. I have listed internet and stor front. I am in Ohio. Thank you in advance for your help!

Internet loans--

CashNetUsa-- 1250 borrowed-- due to be taken out next Friday.
Collect 500- borrowed 500- paid 925.00
Integrity- Borrowed 500- paid 1325.00
Nationwide- borrowed 300- paid 924.00
Southern- borrowed 200- paid 650
Northway- borrowed 425- 560 due to be taken next Friday
CashJar- borrowed 500- paid 1300.00
Sure Advance- borrowed 300- paid 675
Goverment Employee Credit- borrowed 500- paid 957.00
Payday loan- borrowed 200- paid- 625
CK Marketing- borrowed 500- paid 1,300
East Side Lenders- borrowed 300- paid 625
Payday 1 -borrowed 200- paid 525

Store Front--

Check Smart- owe 918.00
First Advaance- owe- 725
Cashland- - owe 525

All of the store fronts are due next Friday. I have closed my account--- and we have opened a new account with a dfferent number. Our Credit Union has been great about this. I have ach payments that will be rejected next Friday. Scares me to death-- what will happen next! Can you help me determine who is legal from and internet standpoint?? And-- is there any payment options for the store front lenders???



Article Rating: 
waffles
waffles


Posts: 1678
Credits: 30959.147782844

Sub: #1 Quote: Have any of you heard of a thing called, "Intent to defraSun, 09/30/2012 - 17:34



Quote:

Have any of you heard of a thing called, "Intent to defraud"? Do you also know that check writing in many states can be considered a "Felony", and can be prosecuted as such! Basically, all of you think that you can just write a check and be rendered the cash and not have to pay it back to whomever lendt you the money. Well, "WRONG ANSWER"! Stand by, because I have just started my own collection company, and is "Reputable and following every strict guideline that has been set forth in the covenant of check writing". I will be ENFORCING every single account that comes into my office, and I will NOT wait for months to do so either. I understand all of us fall on hard times, I too, have been caught up in this cycle, but doing it for the purpose of free money, is WRONG, and I will see to it that it is STOPPED in my company and state!


Have you ever heard of a thing called "being an asshole"??

Did cashcall fire you? Last time you posted you said you worked for them!

Is my payday lender illegal in my state?

How to deal with illegal lenders, courtesy of OhioGal

How to write a proper debt validation request, courtesy of SOAPLADY

How to deal with a Collection agency contacting you for PDLs


Unregistered

Sub: #2 Concerned 2012Sun, 09/30/2012 - 14:11



Well concerned 2012 why don't you tell us what state you are from, the name of your business and where you got your license from to be able to collect on any loans? As far as I am "concerned" your condescending tone does not scare me. Just make sure that your company dots all of its I's and crosses all of its T's otherwise your company will be paying alot of money out to those people whom you would be attempting to collect on. On that note have a nice day! :D


Unregistered

Sub: #3 Really?????????Sun, 09/30/2012 - 13:00



Have any of you heard of a thing called, "Intent to defraud"? Do you also know that check writing in many states can be considered a "Felony", and can be prosecuted as such! Basically, all of you think that you can just write a check and be rendered the cash and not have to pay it back to whomever lendt you the money. Well, "WRONG ANSWER"! Stand by, because I have just started my own collection company, and is "Reputable and following every strict guideline that has been set forth in the covenant of check writing". I will be ENFORCING every single account that comes into my office, and I will NOT wait for months to do so either. I understand all of us fall on hard times, I too, have been caught up in this cycle, but doing it for the purpose of free money, is WRONG, and I will see to it that it is STOPPED in my company and state!


piiwllc
piiwllc
Posts: 1
Credits: 130

Sub: #4 Relief from PayDay LoansWed, 07/18/2012 - 06:15



I used a company called DELETEDfor consolidation of my PDLs. The number isDELETED...PM They were able to reduce mine to where I could work with it. Hope this helps.

sorry shill.no solicitory info per the TOS...pm


NIGHTMARE IN NJ
NIGHTMARE IN NJ
Posts: 1
Credits: 130

Sub: #5 Frusrated by PDL'SSat, 06/09/2012 - 11:37



PDL are a living nightmare. I have to close my account, cancel my direct deposit and basically start over again because of the PDL I had. I had 4 and so far I have paid them in excess of $1,500.00. RIDICULOUS!! So I did a cease and desist letter, contacted my bank (not as helpful as I would have liked considering...) and I'm basically waiting to see what will happen next. I have asked for a "hard block/deposits only" on my account to prevent unauthorized ACH transactions. I was basically told there was nothing I could do since I signed an agreement with them. I basically told them now I am "un-agreeing" and I would like a block to prevent them from getting into my account...again and again. I was told my an Assistant Manager that I need to "beat them to the punch" on payday and just take it out before they get to it and just worry about the overdraft fee when it happens.....(can u believe it). I'm frustrated by unrelenting in this process. I just want this to be over. I want my life AND my bank account back. This was an expensive but valuable lesson.
Frustrated by PDL's.


SOAPLADY
SOAPLADY


Debt Samaritan
Posts: 17117
Credits: 394665.62523207

Sub: #6 This is easy....all PDL's are illegal in NJ. Read the link in mWed, 05/30/2012 - 15:38



This is easy....all PDL's are illegal in NJ. Read the link in my signature line for info on how to get out of this mess.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


Unregistered

Sub: #7 CK MarketingWed, 05/30/2012 - 15:27



MOD NOTE...why are you responding to a thread that is over a year old???

No they cannot. I contacted a company called Blue Ridge Law Group. they helped me out tremendously. The first thing they do is email you info to take to your bank. As a consumer it is your RIGHT to stop payment on any ACH automatic withdrawls from your account according to Regulation E Section 205.10 you just have to notify your bank and give written confirmation in the form of a stop payment order.
You can contact Blue Ridge at 877-410-0029 they are located at 18300 Von Karman Ave Suite 800 Irvine CA 92612. They work with you to determine which lenders are legal or illegal.
I also have a loan with CK Marketing and they are helping me tremendously.
Good luck to you.
KP in NJ

MOD NOTE...Did you just post above for help and then post Blue Ridge Info?? You a shill?? You sound like you work for them,.


Unregistered

Sub: #8 Pdl hell on earthWed, 05/30/2012 - 15:20



I am VERY thankful for this forum.I can't tell you how much help you all have provided me. I currently have PDL's with the following companies:
ZIP19
CK Marketing
Brighton Financial
Redstone Fast Cash
Loan Shop "Daytona"
Any assistance you could give me would be much appreciated. I can't get out of this rut. I am beyond embarrassed and am thankful for a non-judgmental group forum like this where people get REAL assistance and a place to vent about PDL.
Thank you for all you do to help.
KP in NJ


Unregistered

Sub: #9 CK Marketing says they will garnish my wages. Can they do that? Mon, 03/28/2011 - 07:32



CK Marketing says they will garnish my wages. Can they do that? I live in florida.


JCB
JCB
Posts: 21
Credits: 671

Sub: #10 For what it is worth, I had a loan with collect500, they were slFri, 12/10/2010 - 18:21



For what it is worth, I had a loan with collect500, they were slow to answer, had to send the letter several times, but they finally responded...and I GOt A REFUND! keep your head up, you are on your way to getting things straightened out. I was scared and nervous also, but it worked out fine in the end.
good luck with everything.


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