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I currently have 6 payday loans totalling $1900. I have closed the bank acct they debit from and tomorrow will be the first day they wont get their payment. What can I do to get them out of my life? Can they take me to jail for not paying?




first welcome,second if you could supply the following.

1)name of each pdl
2)how much borrowed from each
3)how much paid back total
4)what state are you in

do not worry a you cannot and will not be arrested for a pdl
debts are civil matters not criminal ones.again welcome,and if
you could suplly the information requested we can help here.

Sub: #1 posted on Thu, 07/24/2008 - 23:44

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

I am in California
I owe:
One Click cash $650...Paid $450 in finance ONLY
One Step Cash $195..Paid $305
Cash Central $390 ...paid $0
United Cash $390...paid $0
Payday One #294.10...paid $0

Sub: #2 posted on Fri, 07/25/2008 - 00:07

krimefighterqt krimefighterqt

(Posts: 6 | Credits: 1.4)

Hello, I am moving this to the payday loan section so it will receive more attention. :D

Sub: #3 posted on Fri, 07/25/2008 - 01:21

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.85)

Cash Central & Payday One are legal companies, and you will ahve to make arrangements to repay those debts.

The other's are not operating legally in CA.

They cannot take you to jail for not paying. Lenders must be licensed by CA to lend in CA, so they are the one's breaking the law. CA's law specifially mentions internet lenders.

In fact, United Cash Loans has already been told by CA to stop lending to it's residents. See the cease & desist order at the link below:

http://www.corp .ca.gov/ENF/pdf/2006/ameriloan.pdf

That will give you some good ammunition to fight them with.

Sub: #4 posted on Fri, 07/25/2008 - 02:30

goudah2424 goudah2424

(Posts: 7936 | Credits: 1224.91)

Thanks Goudah....I saw that United and One Click have both been told to stop lending, So what is my first step? Writing, calling???

Sub: #5 posted on Fri, 07/25/2008 - 02:36

krimefighterqt krimefighterqt

(Posts: 6 | Credits: 1.4)

Everything you want to be in writing, so you have a record of it.

Sub: #6 posted on Fri, 07/25/2008 - 02:48

goudah2424 goudah2424

(Posts: 7936 | Credits: 1224.91)

yes goudah is right,get everything in writing.especially from the
illegal pdl's who will try everything unfair to try to get you to pay what they want,how they want.

Sub: #7 posted on Fri, 07/25/2008 - 02:55

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

So goudah, if ameriloan, One Click Cash and United Cash Loans have already been giving the C and D to residents of CA that can't be good for MNE. Maybe there's hope for other states doing the same?

Sub: #8 posted on Fri, 07/25/2008 - 02:56

llw1995 llw1995

(Posts: 1422 | Credits: 149.03)

are there any letter templates. I have one but it says to tell them what laws they are violating. Im not sure what to write

Sub: #9 posted on Fri, 07/25/2008 - 03:37

krimefighterqt krimefighterqt

(Posts: 6 | Credits: 1.4)

Other state's have issued c & d orders against pdl's . . . But it doesn't seem to phase the pdl's, as they just continue business as usual . . .

Sub: #10 posted on Fri, 07/25/2008 - 19:07

goudah2424 goudah2424

(Posts: 7936 | Credits: 1224.91)

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