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I have the following pay day loans. I obtained all of them from the internet and I live in Louisiana. Please let me know which ones are illegal and how do I proceed in getting help to get them closed and paid in full.



Pay Day One Orig Loan 1000 paid 240
Pay Day One Orig Loan 1000 paid 240 (my husband)
Cash Central Orig Loan 700 paid 332.5
United Cash Loans Orig Loan 450 paid 1315
Flash Loans Orig Loan 400 paid 960
Thinkcash Orig Loan 1000 paid 957.5
Magnum Cash Orig Loan 1200 paid 489.78
Impact Cash Orig Lona 350 paid 840
Oneclick Cash Orig Loan 400 paid 120
Thinkcash Orig Loan 1000 paid 1496.48 (my husband)
PDL Loan Center Orig Loan 300 paid 180
Itsmypayday Orig Loan 500 paid 375

Any help or info would be appreciated.




Hi ,

Louisiana State laws for you KW,

Sub: #1 posted on Sat, 01/03/2009 - 15:27

bakerjon bakerjon

(Posts: 1086 | Credits: 102.95)

Louisiana requires Internet based pdl's to be licensed by your state. CLICK HERE to check the LA. licensee data base.

Sub: #2 posted on Sat, 01/03/2009 - 21:22

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.83)

CLICK HERE for the LA. Non-Depository Services Division.

Payday One is usually licensed everywhere.

United Cash Loans are part of MNE and are not licensed anywhere.
UCL (800) 279-8511
3531 P Street, NW
PO Box 111
Miami, OK 74355

One Click Cash
, are unlicensed/illegal to lend in any state in the US.
One Click Cash
52946 Highway 12
Suite 3
Niobrara, NE 68760
Fax 1-800-803-9136
Ph: 1-800-349-9418
compliancedepartment(at)oneclickcash.com

Sub: #3 posted on Sat, 01/03/2009 - 21:30

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.83)

I hope the information below will help you. :)
You are only obligated to pay back the principal amount you borrowed from an unlicensed/illegal Internet Payday Lender.

Sub: #4 posted on Sat, 01/03/2009 - 21:30

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.83)

Thanks for the info. I don't see any of these listed as being licensed in LA. Does that mean that they are illegal to lend in LA? Should I just go ahead and send the letters staing that they are illegal to lend in LA?

Sub: #5 posted on Sun, 01/04/2009 - 03:48

Unregistered


Secure your bank account BEFORE you send them any letters. Payday One is usually legal everywhere and may be going by a dba name, so I wouldn't rule them out as unlicensed just because you can't locate their name in the data base, I'm not sure what other name they could be using, you might try calling your Financial Services Division, but I'm pretty sure they are legal, you will need to make some type of payment arrangements with them other than debiting your account, I would opt for money orders via USPS. :)

Sub: #6 posted on Sun, 01/04/2009 - 04:36

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.83)

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