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Someone recently stole my identity and all my information and took out a bunch of online payday loans in my name. My bank contacted me due to an overwhelming number of ACH debits to my account causing my account to be overdrawn. I have since closed my account, filed a dispute with the bank and filed a police report for theft of identity. Some of these places have contacted me at work. Most were decent and gave me a fax number so that I could fax a letter and copy of my police report to them but one was rude and nasty and threatened to garnish my wages. I am not sure what else I should do. Any help would be greatly appreciated...I am in Kentucky.




(800) 223-2579.. that is a number that may be able to help you. I had to call for my state on advice about a similar situation that I am in.




















Kentucky State Information

Legal Status: Legal (Applies to check cashers only)

Citation:
Kentucky Rev. Stat. Ann. ???? 286.9.010 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: 14-60 days
Maximum Finance Rate and Fees: $15 per $100
Finance Charge for 14-day $100 loan: $17.65
apr for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Two ($500 aggregate loans outstanding to all licensees)
Rollovers Permitted: None (cannot renew, rollover, or consolidate)
Cooling-off Period: None
Repayment Plan:

Collection Limits:
Collection Fees: One NSF fee (if disclosed)
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Kentucky Office of Financial Institutions
Address: 1025 Capital Center Drive, Suite 200 Frankfort KY 40601
Phone: (800) 223-2579
Fax: (502) 573-8787
Regulatory Contact: Gary Davis,, Branch Manager
Regulator Website

Licensee Database

Complaint Instructions

Complaint Form Link

Online Resources

Sub: #1 posted on Mon, 08/11/2008 - 09:47

presyous17 presyous17

(Posts: 6 | Credits: 1.52)

thanks, I will try that number and see if they can help

Sub: #2 posted on Mon, 08/11/2008 - 09:52

bhmom81 bhmom81

(Posts: 2 | Credits: 0.73)

it looks like you did the right thing, i am sorry to hear what happened to you, and i hope that things work out, keep us posted!

Sub: #3 posted on Mon, 08/11/2008 - 09:54

danilewis82 danilewis82

(Posts: 296 | Credits: 24.52)

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