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Posts: 6
Credits: 140.4

I am in California
I owe:
One Click cash $650...Paid $450 in finance ONLY
One Step Cash $195..Paid $305
Cash Central $390 ...paid $0
United Cash $390...paid $0
Payday One #294.10...paid $0

Here are the state laws regarding pdl's for Cali.

California State Information

Legal Status: Legal

Cal. Fin. Code ???????? 23000 to 23106

Loan Terms:
Maximum Loan Amount: $300
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 loan: $17.65
apr for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot charge fee for extension)
Cooling-off Period: None
Repayment Plan: Voluntary (no fees may be charged in conjunction with payment plan)

Collection Limits:
Collection Fees: $15 NSF fee
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: California Department of Corporations
Address: Financial Services Division, 1515 K Street, Suite 200 Sacramento CA 95814
Phone: (866) 275-2677

Sub: #1 posted on Fri, 07/25/2008 - 01:09

PinkLady PinkLady
(Posts: 1722 | Credits: 277.47)

Also check out this link regarding closing your bank account. ml

I have dealt with Paydayone and for me they were easy to deal with, they accepted a payment plan from my debt management company. I believe paydayone may also be the only licsened lender you have listed.

Sub: #2 posted on Fri, 07/25/2008 - 01:13

PinkLady PinkLady
(Posts: 1722 | Credits: 277.47)

Thanks so much Pink Lady...Where do I go from here?

Sub: #3 posted on Fri, 07/25/2008 - 01:14

krimefighterqt krimefighterqt

(Posts: 6 | Credits: 1.4)

You have 2 threads going . . . I'm going to lock this one. Please refer to the other thread at: 2.html

Sub: #4 posted on Fri, 07/25/2008 - 02:31

goudah2424 goudah2424

(Posts: 7936 | Credits: 1224.93)

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