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Americash - 600 Paid 200 ILLEGAL OVER STATE MAX
Speedy Cash - 700 Paid 120 LEGAL LENDER
Idealgelt 700 - Paid 450 ILLEGAL...OVER STATE MAX
GetCashUsa - 500 Paid 0 LEGAL
ABCWages - 200 Paid 0 LEGAL
OneClickCash - 700 - Paid 250 ILLEGAL OVER STATE MAX
Archerfield - 1000 - Paid 75 ILLEGAL

Call the licensing authority at the bottom.
Follow the link in my signature line for information on how to deal with these illegal lenders.

Missouri Payday Loan Laws
State Legal Status
Lending of payday loan is considered legal in the State of Missouri.

Loan Specifications

Maximun Amount of Loan - $500
Term of Loan - 14 to 31 days
Maximum Rate of Finance and Fees- Not Specified (Borrowers don’t need to pay an overall amount of accrued interest and fees higher than 75% of the original amount of the loan on any single approved loan for the entire loan tenure and every sanctioned renewal. In other respects, interest is determined in accordance to small loan regulation which allows the parties to determine rate through contract.)
Finance Charge on $100 loan for a 14 day period - $75
APR for $100 loan for a 14 day period - 1980%


Debt Limits

Maximum Number of outstanding loans permitted at a time - Not Specified
Permissible number of Rollovers - 6 (upon each renewal the borrower is required to decrease the principal loan amount by 5% or more)

Limits of Collection

Collection Fees Amount - NSF fee; Court fees (if disclosed)
Criminal Action - Prohibited (when check is retuned due to NSF)


File your Complaint and get Information

Regulator - Missouri Division of Finance
Address - Consumer Credit Section, P. O. Box 716 301 W. High Street Jefferson City MO 65102
Phone - (573) 751-3242
Fax - (573) 751-9192
Regulatory Contact - Joe Crider, Supervisor, Consumer Credit




Thank you for your correspondence regarding your account. We are disappointed that you are no longer satisfied with your loan. However, the loan agreement you entered into with Ameriloan was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian tribe.


In addition, it has come to our attention that the form you are using for your correspondence originated from a forum on the website http://www.debtconsolidationcare.com/ . Regrettably, posters on these types of forums tend to traffic in misinformation and mistruths. Often, forums of this nature advance the incorrect theory that form complaints and letters will absolve customers of the obligations set forth in the valid loan agreement entered into between the customer and Ameriloan.


Notwithstanding, Ameriloan takes pride in its customer relations and has reviewed your account to ensure that all debits and payments were in accordance with your loan agreement. Upon review, your transaction history shows that all debits and payments on your account were correct. As such, Ameriloan will not be issuing a refund on your account.


Sub: #1 posted on Tue, 07/30/2013 - 07:13

jayreallyis jayreallyis

(Posts: 13 | Credits: 1.88)

respond like this:


the only misinformation is being spread by an illegal tribal lender so two things will happen for me to pay you further.


1)you will extradite me to your retarded tribal ground

2)i will become president of iraq


since neither is gonna happen i will not pay another dime,and will not acknowledge furture emails since you want to lie and be stupid.


respond just like that.


Sub: #2 posted on Tue, 07/30/2013 - 18:22

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

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