Single mom looking for help

Your bank should be able to put a hard debit block on your account to prevent these theives from taking any more money. Or at the very least, freeze it so that nothing goes through.

You need to list all the loans you have the original amount borrowed, and amount paid to date. Also the state you live in.

That can't take you to jail sweatheart. If pdls are online, mostly likely there are illegal and you can fight them. Close your account immediately. If you can't close it, put a hard debit on it. Make it so only deposits can be made. Talk to the banks manager to get this done. Be honest on tell them your situation and in a lot of cases they can do something to help you out.

Please do not be so upset. You have come to the right place. Some one will along shortly who will be able to guide you. We have all been where you are. Some of us are still where you are. We are learning to fight back against illegal lenders, and get control of our money and our lives.

If you could give us a bit more information that would help us . . .

Can you tell us:

What state you are in?

What companies you borrowed from?

How much was each loan for?

How much have you paid back so far in fees?

I live in ohio and the companies and the amounts i atually rec'd from them are as follows (unsure of some of the company names)
1 - midland market - 200.00
2 - tjf corp - 200.00
3 - ameriloan - 200.00
4 - 500fastcash - 200.00
5 - loan-by-phone - 200.00
6 - magnum - 450.00
7 - b i g - 200.00
Plus i have the 3 store fronts but like i said they are working with me.
1 - checksmart - 350.00
2 - advance pay - 300.00
3 - quick cash - 350.00

List how much you have paid as well.

km- i too am a single mom with a son. I got into the same mess as you when I was pregnant...Relax! You will not be going to jail! PS-I am also in OH, please go to our attorney generals website and file complaints on all of these companies. You need to go open a new account at a seperate bank so that you can regain financial control! Private message me if you need to! i am here to help!

You are probably going to think im a horrible person but i have only made payments to the storefronts, nothing has been paid on the online loans. The storefront payments i have paid 50.00 on each, i just set of the payment plans with them on my last payday.

Thanks stud and leah, for assuring me that i wont be going to jail. That is a alot of weight off my shoulders knowing that. These companies are good at making threats. Now when you say make complaints, do i make them only on the online lenders or both online and store front ?

You're fine. You need to close that bank account ASAP. Reality check, Im 21 also and Im in pretty much the same situation. Ive been coming to this website since early last week and it has been extremely helpful. You can't let these companies control you and your finances. You are required as the good person you are to pay them back the principle that you owe. But anything over that is not legal. Check out my post (bank account closed, whats next). The people on here have helped me that much in just a week. I also have 2 other post. Just look for Stud under the posted by section. It should calm you down some. This happens to a lot of good people.

Where can i find templates for these letters they i needs to send out to the companies, and another big problem, how do i find out mailing address for them all, i dont even have telephone numbers for half of them.
Stud - i was reading your post and the stuff people have posted for you, and there was something said about them calling your job and having your wages garnished, can this really happen ? And what do i do to prevent that.

Please read the following thread about some important information to know before you close your bank account.

http://www.debtconsolidationcare.com/paydayloan/close-account.html

You say you haven't made payments to the IPDLs. Have they done any automatic rollovers and taken their "fee?' If so, how much and how many times for each one?

Oh yea they have attempted to take out their fee to roll over the actual loan amount, most of them are trying to take out their 60.00, but the bank account has been in the negitive since right after my first loan, so none of them have gotten anything from me.

It seems to me that the storefronts are being reasonable so I would stick with their payment plan as they are operating legally. Those online ones are the ones that are trying to stick it to you!

So on some of the other post i have seen people post what the state laws are, does anybody have those for ohio, or know where i would find them, also im still looking for the template for the letter i need to send to the lenders.

they are just tryin to scare you. they can't garnish any paychecks.

ohio state info here http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

kmswick, please stick with Leah. She is in your state. She has been in your situation. She has the experience to help you. Your store fronts are the most important right now. They normally operate according to the law. Your internet ones, on the other hand, are more than likely not licensed to do business with you. I looked at the names and a couple jumped out as not even being licensed, in other words, they are illegal. Read the link goudah posted for you regarding your bank account. And Leah will be of great help to you. Keep posting questions. As you can already tell, everyone is willing to help. :D

Leah, I hope your on....
I'm getting ready to call the bank on my lunch break, they have already made me feel horrible as it is because of my account being in the negitive bc of the online PDL's that keep debiting my account, and I going to ask for a manager to get a HARD HOLD or to make my account a deposit only status, what do I do if they tell me they can't do that, are there rules or something I can refer to ?

You should not have a problem with your bank. Some members have; however, the whole issue is that you need to stress to your bank that these are unauthorized debits being made by illegal companies and they need to be stopped. Since your account is already in the negative, they're going to tell you that you can't CLOSE it. That's fine. You tell them to put a hard debit block on it immediately. If you have to, you can tell them a little white lie to help them understand the urgency. I told mine that I was working with an attorney regarding these illegal companies. That kind of makes them take you a bit more seriously. You need to speak with the branch manager. Not a teller, not a CSR, not whoever. Just the branch manager. The branch manager is the one who will work with you and ultimatly get some of those bank fees reversed down the road. Don't be afraid. Please just stress to them the importance of getting this done TODAY. Stress the unauthorized part and stress the illegal companies part. There is no reason in this world they can not put a hard debit block on your account. Do not be afraid. They may be really easy to work with, but if they start to give you a hard time, do not back down. Tell them this is urgent and stress the importance. Like we've posted in others threads, the bank can put a hold on your account with one keystroke and one second. That's all it is. Stay strong and get this taken care of.