illegal or legal payday loan companies in Florida/Help!

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First, I want to apologize if this post is already here. I've tried different search criteria before posting but I'm still confused.

Here's my status:
Hubby and I have ten payday loans. Five are in our joint account and four are in his individual account.

I researched info. here (THANK GOD FOR THIS FORUM BTW!!) and called Bank of America, explained the situation. The CS rep. suggested that since I have checking advantage to stop all the ACH debits for 4/15 (next ach debits on my payday). Luckily, there weren't charges per transaction. I did express concern that the payday companies would alter the amount due to get back into my checking account, but she estimated two business days for them to figure out that it was returned, so that gives me time to get the money out of my account.
I have to wait until Tues. 4/7 for two pending checkcard transactions to clear, then I can officially close the account.

Next, I was able to open another checking account online.

My question is: What do I do Next? I know I need to write the ACH revoke/Wage revoke letter but how do I find out which companies are illegal and legal in Fl -- I went to this website but got lost:http://www.flofr.com/

Also, if the company has multi-names, how do I find out if this company is legit or not?

How do I settle my debt with these companies and how much will I owe them -- how much interest can they collect?

Here's my summary:
My husband's checking account:
Payday loans paid on 3/27
1. Pending ACH HOLD CMG Group
LLC ON 03/27
-$75.00

2. Pending ACH HOLD Vince
Enterprise ON 03/27
-$75.00
3. Pending ACH HOLD Northway Fina
nci PAYMENT ON 03/27
-$190.50
4. Pending ACH HOLD Northway Fina
nci PAYMENT ON 03/27
Total taken out every two weeks out of this account: $531531.
5. -$190.50
Northway Financial

6. 03/31/2009 Cash Adv Network DES:D
ebits ID
-$90.00
7. 03/31/2009 Titan Group, LLC DES:
-$90.00

8. 03/31/2009 Web Payday DES
-$120.00
9. 03/31/2009 Northway Financi DES:P
AYMENT ID:
-$190.50

03/31/2009 Northway Financi DES:P
AYMENT ID:
-$190.50



10. 03/27/2009 DJR Group, LLC DES:-$90.00

Total out of joint per pay period (twice a month): $771




I'm sorry to tell you this, but there is only one sure way to stop the withdrawals, and that is to close your account. If that isn't an option, then tell the bank to put a hard debit block on your account. Before you close your account, read this information at the link below. http://www.debtconsolidationcare.com/paydayloan/close-acc ount.html

Please do not let any of these pdl's know you are going to close your account, until AFTER you have done it!

I don't think any of yours are legal but I need to double check that. Meanwhile: CLICK HERE to find out how to deal with illegal lenders.

Sub: #1 posted on Sat, 04/04/2009 - 13:11

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.79)

CLICK HERE to view your payday loan laws. Florida requires Internet based pdl's to be licensed by your state, but is also known to have payday loan companies acting as CSO's (Credit Service Organizations). This means they do not need to be licensed, and are generally 100% legal in what they charge.

Sub: #2 posted on Sat, 04/04/2009 - 13:14

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.79)

If you type in the name of the company in the search box located in the upper right hand corner of this forum you can read what others have posted about these lenders.
CMG Group, - Not licensed to lend to FL residents. (CMG, FSM and Nevis are the different DBA's of the same company) DBA=doing business as
10108 Summer Oak Ln, #103
Las Vegas, NV 89134
Tel 866-516-9300
Fax 866-516-9700

CMG Group
P.O. Box 636
Charleston, Nevis
West Indies

Vince Enterprise is associated with Prestige Marketing. They are not licensed to lend to FL residents.
'customerservice@prestigegm. com'
fax: 1-877-878-4700
phone: 1-877-878-2700


Web Payday
is not licensed to lend anywhere in the U.S.
WebPayDay
320 West 200 South, Suite 350-B
Salt Lake City, UT 84101
Phone: 1-800-814-5451
Fax: 1-800-814-4960

Northway Financial Corporation Illegal
Level 8 Suite Plaze Commercial Centre
Bisazza St sliema SLM 15 Malta

CASH ADVANCE NETWORKS is a part of MTE and not legal
Address: 101 N. VICTORY BOULEVARD, #G
BURBANK, CA 91502

Titan Group
goes by several dba's, I am unsure of them but am leaning toward illegal.

Sub: #3 posted on Sat, 04/04/2009 - 13:32

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.79)

can anyone tell me if this is a legal internet lender. I live in the state of florida

Sub: #4 posted on Wed, 09/02/2009 - 20:52

Unregistered


i am in FL too and had 5 payday loans, i have founf out they are illegal and i have stupped thw withdrawals and now am getting the calls about paying. i sent them the letter citing FL laws and them not being licensed here. One of the comaonies is Norway Financial, i am wondering what you have experienced with dealing with them.
Thanks!

Sub: #5 posted on Thu, 12/16/2010 - 16:37

Unregistered


Northway Financial Corporation (Illegal)
Level 8 Suite Plaze Commercial Centre
Bisazza St sliema SLM 15 Malta

Sub: #6 posted on Thu, 12/16/2010 - 16:47

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.79)

I currently have a few PDL out. I was able to pay it off until last minute emergencies cause me to fall behind. I was wondering if the following companies are even legal in the state of florida.
1. Ameriloan- I borrowed 700 and to pay off they want 910. I currently paid 630 from interest so far.
2. USfastcash- I borrowed 700 and to pay off they want 910. I currently paid 630 from interest so far.
3. magnum cash advance- I borrowed 300 and they want me to pay 638 to pay it off.
Also I was considering closing my bank account and switching to another bank. I do not know how to approach closing my bank account without those companies debiting and re-opening my closed account.

Sub: #7 posted on Fri, 06/08/2012 - 10:22

hoangjvan hoangjvan

(Posts: 1 | Credits: 1.3)

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