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I embarrassed to say I have many PDLs out. To be exact I have 6. Two I have set up EPPs. I have 3 more outstanding and I also have one internet PDL.
I am in Ohio and don't know how to overcome all of this --- I can only pay so much in payments in order to pay my other bills
Any help would be greatly appreciated




Hello and Welcome! You have come to the right place. You will want to post, each company you owe, state if store front or internet and how much you have paid to each one, someone will be along shortly to help you out! Reny

Sub: #1 posted on Mon, 07/07/2008 - 19:53

lmale lmale

(Posts: 741 | Credits: 98.46)

callosdspeigle, just so I am clear, did you post as a guest 'queenbee' ?? Or are you a totally different member? :)

Sub: #2 posted on Mon, 07/07/2008 - 20:06

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

As Imale says, post the info and we can direct you to the right direction. Here is a link for Ohio pdl laws at http://www.p aydayloaninfo.org/state_detail.cfm?id=OH to get you started.

You can also go to the Getting out of Pay Day loan help Forum and there is alot of good info there.

The store fronts are sometimes difficult and tend to take you to court , so it's best to try to work something out with them.

Check out the PDL Forum here and others with more knowledge will be along shortly..Karen.....I deleted your duplicate posts for you and also moved your post to the Pay Day Loan Forum so it can get more responses

Sub: #3 posted on Mon, 07/07/2008 - 20:11

Bossy4455 Bossy4455
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(Posts: 5854 | Credits: 743.03)

Sorry --- I stumbled across your site and wasn't quite sure how to post questions.

I am in Ohio and I really don't know what to do.

Check Into Cash - $800 (EPP)
Check N Go - $800 (EPP)
Purpose Money - $800
Cashland - $800
Quik Cash - $500
Magnum Cash Advance - $800 (Internet)

Thanks

Denise

Sub: #4 posted on Mon, 07/07/2008 - 20:21

Unregistered


I would prefer to use the username queenbee instead of my email address name ----- sorry --- like I said I am very new at this.

As far as paying them any monies --- this has been going on for over a year that I have been paying them off and reloaning because I couldn't pay them off. I have yet to default --- but am at my wits end over it and want to stop it.

I have not defaulted on any of these but --- if i don's do something they will bounce in my checking account.

Thanks again for any help.

queenbee

Sub: #5 posted on Mon, 07/07/2008 - 20:37

Unregistered


Don't be sorry, we're glad you found us! Well I know Cashland is a store front, and I can tell you from experience they aren't pleasant to work with, plus they will deposit your check if you default and don't set up an EPP plan with them. Are Purpose Cash & Quick Cash store fronts, I am assuming they are. I've never dealt with those two before, but if they're store fronts, they will attempt to deposit your checks if you don't contact them (and probably will anyhow if you can't get them to agree to some type of pay back plan). I don't think Magnum Cash is licensed to lend to Ohio residents, and based on some of the previous posts in this forum they are very aggresive. Whatever you have paid them so far will go toward the principal amount owed, you aren't liable to pay them anything more than the principal amount since they aren't licensed in Ohio, you really shouldn't really close your account right now since you have outstanding checks out there, that could get you into trouble. Revoking ACH transaction from Magnum probably won't stop them from debiting your account because they will just change their name. :shock: You also need to file a complaint against Magnum for lending to Ohio residents illegally, there are links in my signature to do so. Since you only have one Internet PDL, you could go to the bank and revoke ANY and ALL ACH transaction from ANY entity, because the store fronts would attempt to deposit their checks and not do a ACH transaction. I am thinking that should cover you in that respect, anyone else have any suggestions?

Sub: #6 posted on Mon, 07/07/2008 - 20:42

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

Yes --- all are store fronts except for Magnum Cash Advance.

So If I put a stop on all ach transactions --- that will stop Magnum Cash Advance from debiting my account? I really don't want to close my bank account ---- should I stop payment on the checks I have written to the other storefronts that I don't have EPPs on and send them a letter to try and set up a payment plan.

I was told by the girl at Cashland that I would be better off to let the checks go through my account and set up a payment plan as soon as they go through and they wouldn't put them through a second time. She also said that would be the best way if the EPP plan payments are too high. I have heard that some of these places are pretty agressive. They truly didn't want to give me an EPP at Cashland and they said they would have to ask for permission from the regional manager to give one.

As far as purpose money I think their legal name is Valued Services something or other. i would have to pull out my paperwork for them.

I just dont want my checking account damaged. I know how hard that can be to get another one if the bank chooses to report you to chexsystems.

More information is greatly appreciated!

Sub: #7 posted on Mon, 07/07/2008 - 20:56

Unregistered


Relief is what I'm needing with all this --- I intend on paying all these in full ----- but I can't continue reloaning.

Queenbee

Sub: #8 posted on Mon, 07/07/2008 - 21:18

Unregistered


Quote:
They truly didn't want to give me an EPP at Cashland and they said they would have to ask for permission from the regional manager to give one.


Well, that might be thier policy, either that or that particular employee knows very little about an EPP. They really can't refuse you an EPP, if they do refuse you while being a member of the CSFA, then I would tell them you are going to file a complaint against them with the CFSA, those are terms they [Cashalnd] agreed to when they became a member. In order for them to remain a member, they must abide by the terms set forth by the CSFA. :?

Sub: #9 posted on Mon, 07/07/2008 - 22:01

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

Shazzers is right. That employee is steering you in the wrong direction. Here is a link on the CFSA Extended Payment Plan.

http://www.cfsa.net/public_education_camp aign/guidelines/guidelines_extended_payment_plans.html

Sub: #10 posted on Mon, 07/07/2008 - 22:04

Cool_Abyss Cool_Abyss
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(Posts: 2936 | Credits: 173.61)

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