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GRRRRRRR, I just want my life back in Ohio

Date: Thu, 08/16/2007 - 12:21

Submitted by anonymous
on Thu, 08/16/2007 - 12:21

Posts: 202330 Credits: [Donate]

Total Replies: 6

GRRRRRRR, I just want my life back in Ohio


I came across this site and you don't know how much better I feel already. It makes me feel better to know that I am not the only one who has fell into this payday loan crap. I totally regret taking that first loan. I currently have 6 and 2 in default. It makes me sick that I am almost paying more a month in these fees than I am for my house. Where do I start to clear this up. All my loans are the stupid internet ones that were so easy to get and I continue to "refinance" them every 2 weeks. 2 I have been paying on since November 2006.


There's a lot of info on payday loans in this website. Read the topics and make yourself informed of the laws that the pdl companies have to follow. What state are you in? You need to check out the laws of your state and figure out how much you legally owe on the account. If you have overpaid, you don????????t have to pay anymore. You may need to claim a refund from the company.


lrhall41

Submitted by Steg on Thu, 08/16/2007 - 13:01

( Posts: 390 | Credits: )


You will find the Payday loan laws for Ohio here (just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html
You will need to close your bank account asap. Please read this thread before you do. It has some important information you need to know.

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

Also, can you list out the companies you borrowed from? The amounts you borrowed? How much you've paid back in fees so far to each one?

Then we can better advise you . . . .


lrhall41

Submitted by goudah2424 on Thu, 08/16/2007 - 13:22

( Posts: 7935 | Credits: )


Thank You for all your response. I have the following loans.

World Wide Case, Loan date 12/7/2006 repaying 89.00 every 2 weeks, loan amt $200.00

Arrowhead Invest, Loan Date 12/11/2006 repaying 90.00 every 2 weeks, loan amount $200.00.

ameriloan, loan date 6/18/2007, repaying 90.00 every 2 weeks.

US Fast Cash loan amount $300.00. This one is a new one.

Northway Credit (Cash Transfers) $400.00-this place takes the whole amount and I keep redoing it.

The 2 ones that are contacting me about the default is Westbury Ventrus & SHW Recovery.


lrhall41

Submitted by anonymous on Fri, 08/17/2007 - 04:32

( Posts: 202330 | Credits: )


rhoff, I don't believe any of your internet pdl's are even licensed/legal to lend. Let alone the fact that they are rolling over/extending the loans. And since 2006? Lordy, Lordy. You need to please post the amount you have paid each of these people. I don't like the states where the pdl law states criminal action "unspecified". These are all internet. Correct? If this is the case, and they are illegal/unlicensed, as I'm almost positive all of them are, you need to take care of you bank account ASAP. Please, believe us. They will continue to debit you until you're dead. I swear. Look how long they've been debiting you already! And the illegal ones are the worst. Please try to figure out how much you've paid. And, please, read the link on closing/freezing your bank account. You need to open a new account at a new bank.


lrhall41

Submitted by cannr on Fri, 08/17/2007 - 19:02

( Posts: 9317 | Credits: )