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List of Payday lenders--- loans and amounts paid. HELP PLEASE!!

HOWDIDIGETINTHISMESS
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I am so happy I stumbled on to this forum. I am in PDL hell-- and I need help. I can't believe I have been this stupid... Below is a list of PDL companies, the amount borrowed, and the amount paid back. I have listed internet and stor front. I am in Ohio. Thank you in advance for your help!

Internet loans--

CashNetUsa-- 1250 borrowed-- due to be taken out next Friday.
Collect 500- borrowed 500- paid 925.00
Integrity- Borrowed 500- paid 1325.00
Nationwide- borrowed 300- paid 924.00
Southern- borrowed 200- paid 650
Northway- borrowed 425- 560 due to be taken next Friday
CashJar- borrowed 500- paid 1300.00
Sure Advance- borrowed 300- paid 675
Goverment Employee Credit- borrowed 500- paid 957.00
Payday loan- borrowed 200- paid- 625
CK Marketing- borrowed 500- paid 1,300
East Side Lenders- borrowed 300- paid 625
Payday 1 -borrowed 200- paid 525

Store Front--

Check Smart- owe 918.00
First Advaance- owe- 725
Cashland- - owe 525

All of the store fronts are due next Friday. I have closed my account--- and we have opened a new account with a dfferent number. Our Credit Union has been great about this. I have ach payments that will be rejected next Friday. Scares me to death-- what will happen next! Can you help me determine who is legal from and internet standpoint?? And-- is there any payment options for the store front lenders???




Are you certain you have listed the correct names for the Internet payday lenders?

Sub: #1 posted on Sun, 06/06/2010 - 12:54

Shazzers Shazzers
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(Posts: 17342 | Credits: 1592.8)

It's important that you use the correct name for these lenders, I will provide a link at the bottom of this post where you can search for a license yourself, but I believe only Cashnetusa is legal and licensed, though they usually extend loans as a credit service organization, which means they wouldn't be required to follow the payday loan laws. Other than that lender, if the names are correct, then they aren't licensed. You did the right thing closing your account, I will return shortly with more information, meanwhile, CLICK HERE to find out how to deal with illegal lenders.
http://e license2-lookup.com.ohio.gov/SearchCriteria.asp?

Sub: #2 posted on Sun, 06/06/2010 - 12:58

Shazzers Shazzers
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(Posts: 17342 | Credits: 1592.8)

I believe your store front lenders are all members of the CFSA (Community Financial Services Association of America), this means you are eligible for the extended payment plan, but you will have to ask for it because they won't offer it, just read about it at the link below:
http://www.cfsa.net/public_education_camp aign/guidelines/guidelines_extended_payment_plans.html

Sub: #3 posted on Sun, 06/06/2010 - 13:01

Shazzers Shazzers
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(Posts: 17342 | Credits: 1592.8)

By the way, I am pretty sure that Cashnetusa also offers an extended payment plan.

Sub: #4 posted on Sun, 06/06/2010 - 13:02

Shazzers Shazzers
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(Posts: 17342 | Credits: 1592.8)

WOW! This makes me sick. I have lost such track of my finances, that I had to research some of these lenders-- for the correct names-- and not just the names they are using to take out the ach deposits. Here is a better list of names-- all have been paid the originial amount of the loan.

Pay1Day.com
Zip19.com ( Northway)
Idealgelt.com
Tremont Financial
Cash Jar
Eastsidelenders
CK Marketing ( formerly Payday online)
Cashnetusa- ( already addressed)
Nationwidecash.com
Collect 500
Payday-loan-yes.com

I am so embarrassed...

Sub: #5 posted on Sun, 06/06/2010 - 15:35

Unregistered


Don't be embarrassed, we aren't here to judge anyone, besides, most of us have walked in your shoes, so we understand. I was right, Cashnetusa is your only legal lender, read the link I gave you on how to deal with illegal lenders, you should be fine, take care of your licensed lenders first, forget the illegal ones for now, you can work on those later.

Sub: #6 posted on Sun, 06/06/2010 - 15:43

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.8)

If you have paid off all the Internet lenders, then tell them to go piss up a rope, you are done with them. I would work on those store front lenders now.

Sub: #7 posted on Sun, 06/06/2010 - 15:44

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.8)

Well, letters are sent via email. Most of these places don't give you physical addresses. The don't waste any time--- I got a threatening call today from Zip19. He said someone was on their way to my house with a warrant for my arrest.

On another note-- a store front lender - Chack Smart has been nothing but accomodating. Very easy to work with.

What should I expect, from the list above??? How aggressive do you think they will get??

Sub: #8 posted on Mon, 06/07/2010 - 14:22

Unregistered


Quote:
Originally Posted byAnonymous
Well, letters are sent via email. Most of these places don't give you physical addresses. The don't waste any time--- I got a threatening call today from Zip19. He said someone was on their way to my house with a warrant for my arrest.

On another note-- a store front lender - Chack Smart has been nothing but accomodating. Very easy to work with.

What should I expect, from the list above??? How aggressive do you think they will get??

Well, let me put it this way, they are so mean they wouldn't think twice about threatening to take your first born, however, the less you talk to them, the better off you will be, all they want is someone to argue with, don't give them that. On the other hand, keep one thing in mind, they are so stupid that they would try to burn an ice cube.

Sub: #9 posted on Mon, 06/07/2010 - 15:45

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.8)

Below is a response to my email to Eastside Lenders... Thoughts????


[COLOR=#333399]East Side Lenders is responding to your correspondence regarding the above-captioned account. [/COLOR]
[COLOR=#333399]East Side Lenders, which is located in Delaware, is licensed by the State of Delaware to make small loans. All such loans are approved and funded in Delaware, with repayment to be made in Delaware. The East Side Lenders loan agreement and website contain all disclosures required by Delaware and federal law and make it clear that all transactions are governed by Delaware law. On the advice of counsel, East Side Lenders maintains that the choice of Delaware law as controlling in the loan documents would be upheld, as all of the significant contacts in the loan transaction occur in Delaware. The loan agreement is legal and enforceable. In responding to your correspondence, East Side Lenders notes and reserves all available legal and equitable objections to the points you have raised.[/COLOR]
[COLOR=#333399]East Side Lenders provided this service as a convenience to you. We still consider your loan to be outstanding and are prepared to go to arbitration as provided for in the Loan Agreement between us. As an alternative, if you are experiencing financial hardship, we will be happy to speak to you about payment arrangements through which you can successfully meet your payment obligations. East Side Lenders will consider doing so because of our continuing commitment to servicing our customers and not because of a legal obligation to do so. [/COLOR]
[COLOR=#333399]Should you have any further questions regarding this matter, if you wish to speak about payment arrangements, please contact us at (800) 689-5603.[/COLOR]
[COLOR=#333399]Sincerely,[/COLOR]
[COLOR=#333399]Customer Service[/COLOR]

Sub: #10 posted on Tue, 06/08/2010 - 08:02

Unregistered


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