HELP!!! They are taking all of my money.

Okay. First of all, we can help you! :D We're glad you're here! The first thing I am going to do is post your state pdl law, okay(just select your state) ? Then we can take a look at that and then we can take a look at your pdl's that you have. Don't worry!
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

He indicated that I should try to get a loan to pay the loans...how do I do that with poor credit. He also seemed to indicate that I could talk to them and see if I could pay them off one by one. That would be fine if some of them do not mind waiting. I just need to keep money to live on. I don't mind paying these leetchs but they take everything so I can't.

barman, looks like your state permits rollover/extensions (yuck). However, just by glancing, I can tell you that some of your pdl's are not even licensed/legal. I'll go over it more closely. I'm at work right now, so have to jump off. I'm not deserting you! I'll be back! Hang in there. We're off to a good start! :D

barman, who is "he" that is telling you this stuff?

I'm sorry...I should have indicated in my second post that I contacted Joe Crider at the Missouri Dept of Finance.

Thank you for clearing that up! I'm going to have to ask you to hang in for a minute. If someone else comes along, that's fine. Maybe someone from your own state, which would be good. But your pdl laws are kind of crappy. Nothing personal! But I do believe we can help you here. We can look into each pdl. Like I said, I have to jump off, but I'll be back. In the meantime, maybe a fellow person from your state will see your post. If not, that's okay. We're all here to help you! Hang on! :D

That's great! I will check back when I get home momentarily.

Not sure why but I had to create a new account. I could not access my other one.

I need help!!

barman, I can tell you right now who will not be licensed, then I'm going to check the others. I still don't like your pdl laws! LOL!
One Click Cash (MTE Financial) not licensed/illegal
United Cash Loans (MTE Financial) not licensed/illegal
BIG (overseas) not licensed/MORE than illegal
World Wide Cash - not usually licensed, but I'm going to double check that one...
Northway Credit - I have to ask - Is this Cash Borrower or another name? Northway Credit uses that name to debit accounts that are for pdl's with a different name. Mine was with Cash Borrower - who will not be licensed/legal. However, I need you to check and see which pdl Northway Credit is debiting for. Can you check for me? And I'm going to check the others you have listed... Hang in there!

Okay. Here's what I've got. And don't take it for 100% because some pdl's are sneaky. I'm understanding that these are all INTERNET loans, no store front loans, right? Just let me know so that I'm sure.
First, the First Bank of Delaware - is this an internet loan? If it is, could it be under a different name? Do you have any loan documents for it? I'm asking this because of the name "First Bank of Delaware". They could be using that name for a pdl with a different name & I can't be sure to say if they're licensed or not. I looked up First Bank of Delaware and no license shows. However, it could be under a different name. I need you to check on this one. World Wide Cash is not showing up as licensed, unless they are using a different name (they're usually not licensed). Cash Direct Express, they are actually GECCLoan. However, I looked under both names and neither are showing licensed. CashNetUSA is not showing as licensed. However, I've read posts about CashNetUSA. They might be using a different name?? They might not be considered a pdl?? I'm unsure of this one. PayDayYes is not showing up as licensed. PayDayCashLink is not showing up as licensed. Now, some of these pdl's use different names. Check your documents and see if any other names are on there. This way we can be sure. The First Bank of Delaware has me wondering. CashNetUSA has me wondering. And I need to know about Northway Credit. Who is the actual pdl that they are debiting for? Please post & I'll see what else I can do.

cannr, all of these loans are indeed INTERNET loans. Northway Debit is also CashTransfer Centers. As far as I can see on any of my documents, CashNetUSA goes only by that name. I am looking for the First Bank of Delaware information.

What does it matter if these angencies are not licensed? Is this going to help my situation?

I am REALLY glad I was able to find this site...it is going to turn out to be a God Send I think. Thank you for the help you have already offered!!

It is my pleasure to help in any way that I can. I just try to be extra careful regarding anything so that no one gets into any trouble. As far as Cash Transfer Centers - ILLEGAL. Oh, sorry. I didn't mean to scream that! They were one of mine also. Yes, I got every illegal one under the sun! LOL! And, yes, it does make a difference if they are licensed in your state or not. Some pld's are actually licensed where some members reside. Sad. The majority are not. A lot of pld's will spout off to you that you have to abide by their state law, not yours. We have to be careful about that also. This is why I stated the ones who are illegal. What I mean when I put that is that they are not even licensed in their own state. They are lending illegally and then they threaten you to death. So, we're taking it step by step here. Because once we get all this names/license/etc. stuff out of the way, we're going to go back and look at your state law, see what they allow, see what you owe or overpaid, etc. Okay? Can you see a light at the end of the tunnel yet? It might be getting a little brighter for you! Post the other information once you find it. Cash Transfer Centers. Oooohhhhh. So illegal.

And, PS, barman - Thank you for visiting my Home Page and putting such kinds words on there! That was really nice! And I do appreciate it! I am so more than willing to help you. And it doesn't bother me a bit. I know what it's like to be in the pdl situation. And I know the feeling of dispair. I don't ever want anyone to feel that way. It's a horrible feeling. And, if I can help you to not feel this way any longer, I'll be so happy. Thank you again for your kind words. :D

Is there anything I can do with my bank so they don't keep rolling over these charges and increasing my NSF charges?

Is there anything I can do with my bank so they stop rolling over these payments and increasing my number of NSF charges.

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

See that thread - It has some information about holds and freezes your bank can put on your account to stop the pdl's from debting.

BARMAN!!! I need you to do something ASAP!!! Regarding Cash Transfer Centers. You need to type up a letter to them revoking any wage assignment you may have signed with them! It dawned on me last night. I'm sorry I'm stupid! They are big on putting through a "wage assignment" to your employer. A "wage assignment" is completely different than "wage garnishment". To garnish your wages, they would have to get a court order. They won't do this unless they come from their country to ours. LOL! Anyway, I'm being very serious here. A "wage assignment" is totally voluntary by your employer. However, some employers do not have a clue and think they have to take the money out of your paycheck and give it to these people. Not true. But, Cash Transfer Centers is known for turning in wage assignments. PLEASE, PLEASE, PLEASE type up a letter, short and sweet, addressed to Cash Transfer Centers stating "I (your name) revoke any wage assignment that I may have signed with your company or any of your affiliates." Then just type your name. Do not sign your name (people can use it for forgery). Just type your name and social security number at the end. SEND it to Cash Transfer Centers via fax/email/mail. However you can get it to them. Do this ASAP!! You have to do this BEFORE Cash Transfer Centers has a chance to send it to your employer. It can not be revoked AFTER the fact. Please, barman, do this now!

barman, if you have ANY questions about the link goudah posted for you, please ask! Banks are all different. Any questions at all, just ask. We can help you with that. You need to get that under control. These internet pdl's will continue to hit your account. Please post with any questions or concerns. Or if you have a problem with your bank. :D

I am just curious what can come out of a civil suit from any of these unlicensed companies. It is true that they can not do a criminal prosecution isn't it?

I have sent an email to customercare(at)cashtransfercenters.com saying exactly what you described. What is to stop them from doing this wage assignment anyway? The don't seem the most law abiding or moral abiding companies.

You should copy that email to your HR department at your work so they get a copy if these crooks try to do it anyway. CYA!

CashTransferCenters (Northway) just contacted me here at work to demand payment through thier third-party collector at ECare...866-715-4230, Kate. The are needing me to post a WesternUnion (MoneyGram) payment on Aug 31 in the amount of $439.00.

ECare Contact Centers - 4476
Account# *********

I mainly am putting this information on here because this site is now becoming a useful place to store my information for these people for easy access.

Personal info removed for your safety - Mike

barman, thank you for sending that wage assignment revoke letter. I was having a heart attack! Just give your payroll department a copy of it. Just say "This illegal company somehow got my information and I'm having trouble with them. Could you place this in my file in case they try to do something stupid?" That's all you have to say. As long as they have a copy. It's none of their business. As far as these ILLEGAL pdl's are concerned, do not worry about criminal prosecution. Good Lord. They are so illegal it's totally insane. They actually have no legal recourse to collect the money. This is why they call you, hound you, threaten you. That's the only way they can get any money. They can't get it "legally". As far as Cash Transfer contacting you - tell them to only contact you via email or USPS. Hang up on them. They will argue your head off. They will demand more money. They will tell you to Money Gram or Western Union it. I had an illegal overseas pdl do it to me. Blah, blah. I unfortunately got caught on the phone with them. We argued regarding laws, blah, blah, on and on. They wanted me to Money Gram $100 that day to them by noon (or something goofy). Yeah, okay. Did I send the morons any money? Hell, no. What did they do? They called me and left a voice message asking where "their money" was. Then I received an email from them asking where "their money" was. Did I respond? No. I filed complaints with the BBB, the FTC, and my state AG. I never heard another word from the pdl. What are they going to do, barman? Are they going to jump on a ship and come to the US and hunt us down? To collect on an illegal loan? I'm still here. No one came and "got me". LOL! Do not send them that Money Gram. And tell them to only communicate with you via email or USPS. No telephone calls. They're bozo's. They'll keep calling anyway. Eventually, they'll let up. Keep us posted, and we're here. You'll be okay. :D

barman, I was just re-reading your post. Regarding the "wage assignment". A "wage assignment" is totally voluntary by your employer. They do not have to abide by it if they get one from Cash Transfer Centers. A "wage garnishment" would require a court order. Cash Transfer won't do that. They do a "wage assignment", with the knowledge that most people do not know that it is voluntary. Your employer do NOT have to honor it. So some poor souls get screwed by their own employer because the employer wasn't aware that this is voluntary. Now that you have sent the letter revoking the "wage assignment", you can give it to your payroll, they can have a copy, you can have a copy, Cash Transfer has a copy. If they try to pull the dirty trick on you, you are soooo covered. This is done just to be on the cautious side. I would hate to see them do this to you and your employer abide by it. That would suck. So, let Cash Transfer try to do it now. You are covered, my friend! :D

Oh...I'm not worried about my company, they are a great bunch of folks! They could have given me a little more money so I wouldn't have gotten in the mess in the first place though...lol.

Oh, barman! Right on, my friend! Let's go to our boss and just explain to them... "I'm sorry, but you're not paying me enough, so I had to take out 100 illegal pdl's and now they're hounding me for money. Now, if you had paid me more, I wouldn't be in this situation. Could you please increase my pay by $20,000 per year? Thank you!" LOL! :lol:

Barman602,
First Bank of Delaware is THINKCASH.I have a loan with them.They send you a schedule of payment and the amounts reduce over a period of 10 months.So far nothing weird.Although my first payment has not be come due.Info below

ThinkCash
P.O. Box 101842
Fort Worth, TX 76185
Loans are made by First Bank of Delaware, a federally regulated state financial institution not affiliated with ThinkCash. ThinkCash does not grant or deny credit with respect to these loans.
Good luck
AM

So if the pdl places are illegal do I have to pay it back? beyond what I owe? Should I close out my checking acct?

It all depends . . . . Can you post a bit more information about your situation? What state are you in? What companies did you borrow from? How much? And how much have you paid back so far in fees?

heda,
In order for us to help you better, we need more information. What state do you reside in? What pdl's are you dealing with? Are they store front or internet? And how much did you borrow (principle only) and how much have you paid back so far? We can help you. :D

I have not been here in a couple of days. I have been busy with action instead of inaction. I have closed my account and opened up a Savings paying 8% and a different checking. I have also contacted Langhorne as an option for settling this. Thank you everyone for your help SO far in this. I will be looking around enlisting more help in this matter I am sure.

Great! Sounds like you are off to a good start!

It's going to feel great to have a whole paycheck again. You will be able to actually pay your bills!

Keep us updated, and be sure to ask any questions you may have. If one of us doesn't know the answer, we can find it for you.

Congrats again! You are off to a great start and in no time will start seeing real progress. :D

barman! I was wondering about you! I see you've been busy getting your business taken care of! Great job! Please come back with any questions or problems. Let us know how you're doing! We do think of you! I was just wondering a couple of days ago "What's up with barman?" LOL! :lol:

I am stuck in PDL with Cash Advance Network and Nationwide Lending. I live in North Carolina and wonder if the interest rates they are charging me are legal? They are $400% and plus> I've already paid both of them the loan back and then some roll-over fees. What can I do

markitty pdl's are illegal in NC.first you need to close your bank account and open a new one.then i would just cut to the chase and file AG complaints.do not let the pdl's know what your doing.they will bleed your current account dry.you must close your account or these pdl's will keep debiting.if you try to communicate with them about this they will bleed your account dry.do this and we can help you from there.

I've never had a Payday Loan. I know you have to pay back alot more than you barrowed. I live in pennsylvania.

that's nice glenn.i suppose there was a point to your post.

I closed my account at my bank this morning. They check to see if any pending transaction where schedule to come thru...none as of 10/30/08 and they informed me the account is closed as of 9:45AM today. So what do I do now to the companies I have these loans with?

moving right along.two things markkitty.

1)how much borrowed from each
2)how much debited by each.

please provide me this info.keep in mind that anything debited by these pdl's counts toward the loan.

I also live in NC and I got into PDL hell. I am working with Langhorne and it is working out great so far. Good luck and if you have any questions let me know.