PDL - Cashnet USA and FL

Morningstarr430, If you can PM me you example that would be cool. Thanks.

i'm a person who went through this and found out the hard way

Found out the hard way-what? Like it was mentiondeed, we pay our bills, when they are legit. I had a CA trying to collect on my sons' hospital bill. Trouble was, it ws when he was in the 3rd grade and by that time he was in Jr. High, and the bill had been paid 7 years prior! So that's why we make sure that whoever is trying to collect is legit, and that they have notovercharged..KAren

queen, these pdl's will try to continue to debit your account for a looong time! It's crazy! Did morningstarr pm you a letter to use as an example? Have you sent your pdl's letters telling them to stop debiting, revoke wage assignments, contact you only via email or USPS? If you've overpaid, then by all means, ask for a refund. If you haven't paid the principle amount, let them know you will pay xxxx dollars only - to total the principle amount you received.

You are working hard girlfriend.

Yes, she did. I let you and the forum know the outcome. You guys are the best and I am very thankful for this website.

We love you, queen! :D You make sure you let us know what's going on! We're fighting with you! I really think we should all gang up and go knocking on pld doors! LOL! :wink:

I love the guests who come here, who try to imply people are deadbeats and should just pay their bills. I will tell our guest right now, I will do everything legally possible to avoid paying a bill, even if I owe it...why? Because how often does the little guy get away with what the big guys do? Not often.

Morality is not the same as legally.

Right, but in this case I think the guest is sort of right . . . . Not in saying that we are deadbeats that don't pay our bills, but in this case with this pdl they are operating 100% legally. I'm all for trying for a PIF, just on principle, but do be aware that this company could potentially sue you.

I would like the guest to please expand upon his response of "finding out the hard way". Did they sue you? What happened? This information could be very important to those currently dealing with them. I know that if I knew someone got sued by a certain pdl, and that pdl was operating 100% legally in my state, I wouldn't want to mess around with them.

anthony, I'm glad to see your posts! I've missed you the last few days! :D

I have a schedule that keeps my visits here unpredictable. Some days I'm lucky to sit for ten minutes on-line, other days I just like to relax and watch t.v. or research subjects for my site. I do a lot of writing into newspapers across the nation on different topics. Other times I write to members of our government on numerous subjects or bills that they will be voting on. Even if they ignore my opinion, I can at least say that I tried.

Yeah, anthony. I went to your website one night. Checked it out. Very interesting. You're deep. There was a lot of great information. Made me think about a lot of stuff.

Guest - Are you going to come back and post about your experience? I think it would really be helpful. The whole CSO model of pdl is a relativly new thing, and someone that has dealt with them and experienced bad things would be a good warning to others.

I agree with Goudah, every bit of insight is a huge help.

So can anyone tell me if either USFastCash or United Cash Loans are CSOs in Florida? Is MTE, who I believe do business as these two pdl's?

Shey...I just dealt with both of those as ipdls here in Indiana...not sure about Florida though...would they be different in each location...maybe a stupid question but I wonder??

shey, they're both MTE Financial. I do not believe they are operating legally either way. However, goudah or frogpatch could probably answer that question to be on the "sure" side. goudah knows about the CSO stuff and frogpatch is in Florida. So he would know. However, I really believe MTE is just flat out illegal. Let's see if they come along and have an opinion.

I would doubt they are CSO's . . . That would give them some semblence of legality. Which MTE has never had.

My guess would be no, although I haven't checked. The only companies that are going to go the CSO route are the companies that are trying to be legal, and MTE doesn't even try to be legal.

Wow, I stumbled upon this web site while researching a paper I am writing. I started reading the posts and comments and was fascinated. I have never taken out a payday loan in my life. after reading the posts I looked into a couple of payday loan sites and read the terms and conditions. Why would anyone agree to that kind of interest is beyond me in less there was no other way to get money for some emergency and my credit sucked. I guess I would be thankful for having the option if none other was available to me. What blows my mind is the fact that all you guys are discussing the particular laws and if the are licensed and so on. It sounds to me like these companies gave you money when you needed it and no one else would. Then you try to find any excuse or loophole not to pay them back!!! No wonder the economy is in the crapper. If you expended as much energy on a second job or any job for that matter you might be able to pay them back as per what you had promised to do when they gave you the money. Who cares what laws they follow and what licensing they need for what state. They gave you money when you needed it plain and simple. Yeah the interest rate is ridiculous but no one is putting a gun to anyone's head either. After reading the comments I understand why they charge as much as they do...........Its because of people like you who will find any excuse to justify to themselves that they are in the right not to pay because this license isn't right or some other such nonsense. That didn't interest you in the slightest when you wanted them to give you the money you needed. you didn't say oh I'm sorry I cant take your 300 loan because my state doesn't allow them or the licensing looks improper. Then to make matters worse I read "its their reps fault for not telling me" and other stupid excuses. How about doing what most people do and read the contract that you agreed to, so you know what you are responsible for and what they agreed to do for you and what happens if either side doesn't hold up the their end. I'm outraged that people are filing complaints with the Attorney Generals office in their state on some technicality to get out of paying for their loan. Instead of wasting the AG time and our tax money to pay for that "investigation" you initiated you could pay back the payday loan company and maybe then they could afford to charge less then 200% interest to give money to those people really in need. Shame on you......
Its like if I fell and broke my leg and then someone came and offered to help me as long as I gave him the shoes off of my feet because he had none for himself and I agreed. Then after the stranger helped me to the hospital, I had them call the cops on the guy and saying he was somehow to blame for my misfortune and refused to give him the shoes. The next time the stranger goes to help somebody out he wont ask for shoes he will want 200 in cash or he wont waste his time. '
My guess is that if you paid people back you would have friends willing to help you, a bank, credit cards or some other way of getting money in a pinch. So if your credit and reputation is already shot and you have to get a payday loan because none of your friends and family will help you because you haven't paid them back from the last time. If you don???t pay it back for whatever reason you talk yourself into don???t waste the AG's time and my tax money complaining and acting indignant about the fact that they hit you account for payment multiple tile and so on. Read the contract, I did, even though I didn???t need a loan. You authorize them to try to debit you account for various amount in the attempt to recover their money when your scheduled payment doesn???t go through.
This was just and outside perspective through the eyes of someone who has never had to get a payday loan. Im glad to know its there if I ever need it and you can coaunt on it that I will pay mine off tight away. Agreed upon interest can be charged for the whole time it is delinquent so no way I would risk having to pay it back somewhere down the ine 2 years later after is been compounding 200% interest for 24 months!!!
Good luck on finding some loophole to get out of paying because it things dont work out and you end up having to pay that loan back later it wont be fun payiing 1500 back for a 300 loan. You weren't thinking that they would be nice and waive all the interest did you?
Absolutely crazy.........good luck to you all and to those of you on this site trying to find a solution to pay off your loans and not get out of your obligations you have my utmost respect.

We aren't here to judge people, as you so gracefully did, we are here to help people get out of debt according to the laws.

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