I am new here. I have checked the Ohio licensee data base and could not find ANY of my internet pdls. Loan Point USA also goes by Geneva Roth Capital.
I currently have loans with them all:
ameriloan $300 loan (paid 270 in refinance fees)
500 Fast Cash $300 loan (paid 270 in refinance fees)
VC Funding $300 loan (paid 180 in refinance fees)
Arrowhead $300 loan (paid 180 in refinance fees)
Loan Point USA $400 loan (paid 360 in refinance fees)
Upfront Cash $400 loan (paid 240 in refinance fees)
Upfront Payday $400 loan (paid 240 in refinance fees)
Refinancing, I know, is illegal in Ohio. Also, fees in Ohio must be $15 for every $100. I intend to repay principal, but if they are not licensed in Ohio - again NONE are listed on the Ohio data base - am I legally required to pay them anything OTHER than principal? And legally, can I count the "refinancing fees" as payment toward the principal? I will file complaints with the AG, the BBB, and the FTC. Wil the companies take me seriously if I do? I need guidance, because I need to get out of this mess. I got into trouble with storefronts in Ohio a while back, and should have learned my lesson, but unexpected bills this summer got me back into this mess. I am so angry at myself, but at the time, it seemed I really had no other choice. Before this gets worse - right now my monthly budget is manageable if I can get out of this mess and count the "refinance fees" as payment toward principal - I need some help.