PA - please help?

Can you post some more information about your situation? What companies have you borrowed from? How much was each loan? And how much have you paid back so far in fees and such?

CashnetUSA: borrowed 750, repaid $187.50
United Cash: borrowed 250, repaid 225
Magnum Z: borrowed 300, repaid 300
Webpayday: borrowed 300, repaid 462.50
OneClickCash: borrowed 300, repaid 475
Cashnet: borrowed 300, repaid 105
Advance America: borrowed 500, repaid 300

Anything I can do?

It is very important that you provode the info that Goudah is requesting! This is the only way that we can guide you down the right path. Please do not be upset! You have arrived here where others who have had the same situation can help you!

Please see this thread about Advance America -

http://www.debtconsolidationcare.com/paydayloan/advanceamerica.html

I would call the dept of banking in PA and ask them what you should do about your loan with them. They are trying to get refunds for all the overpayments, so it is possible you will not have to pay anymore.

Also, you will want to close your bank account. Please read this thread:

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

About some important information you need to know before you close the account.

Cash Net USA is operating legally in PA. The other's aren't going to be licensed.

So what can I do about the companies who aren't licensed? Do I still have to keep repaying them?

I've already stopped my direct deposit from going into my checking account, so that's a start........going to visit the bank tomorrow and see about closing my account.

The illegal ones: Just pay the principle and you are done...you can still file with your AG's office to help you mediate closed accounts...

Legal Status:
Prohibited

Loan Terms:
$9.50 per $100 per year discount or 24% per year

Debt Limits:
Not applicable

Collection Limits:
Not applicable

Going to work on sending letters and closing my bank account today........

What happens next? Can the illegal ones do anything to me once I stop allowing them access to my bank account? I feel a little bit more hopeful having seen the forums here, but I've gotta admit that I'm still very nervous.......

No, they can't do anything to you at all. They will call and try to scare you into paying, but there is NOTHING they can do but call you.

Same user, just went and registered.........

Is there anything I can do to stop the phone calls (which I'm guessing will come) from reaching me at work?

My understanding is there is nothing you can really do about the phone calls. I am waiting for mine to start too... :shock: I have been advised to send them to voice mail if possible and then make notes. Some also will tell you to have your coworkers and you all tell them you no longer work there. I told my coworkers not to answer my phone and to let it go to voice mail. I also let them know there had been illegal activities in my checking account, I closed the account and now the illegal copmanies are harassing me. They all agreed to do what they could to help. I am sure others will give you advice as well.

Can anyone give me an idea of how long this nightmare will last with these companies?

There really isn't a time frame. Sometimes you will get a PIF right away, and other times you will have to fight for a few months. The same company will act differently with people in the same situations.

Very very nervous about the whole process........I can't believe how miserable this has made things!!! Talk about stupid mistakes not to repeat......

Can anyone pm me a copy of a letter they've sent to these places?

Cannr??? I know you have a good one . . . . Can you send it to Katie?

Went to the bank and they were fantastic.......even going to put back the NSF fees into my account that these jerks ran up on me!!

I would love it if someone could post the contact info for the loans I have, so I know how to get everything else going......

Oh yeah..........still same user, Goudah just advised me to get an ID that doesn't have my name in it. :D

Here are some of the addresses I have and could find: If any are old, will someone please let tree know.

United Cash Loan
3531 P. Street
Miami, OK 74355
P:866-756-0600
F:800-671-0131

Cash Net
PO Box 06230
Chicago IL 60606
P:888-801-9075
888-801-9075
F: 847-574-7637

One Click
2533 N Carson Street
Suite 5024
Carson City, NC 89076
or

82946 Highway 12
Suite 3
Niobrara, NE 68760
P: 800-349-9418


WebPayDay
320 West 200 South, Suite 350-B
Salt Lake City, UT 84101
Phone: 1-800-814-5451
Fax: 1-800-814-4960

CashNetUSA
PO Box 547
Lake Bluff, IL 60044
Voice:(888) 801-9075

Magnum Cash Advance
1403 Foulk Rd Suite 203
Wilmington, DE 19803

Tree - Glad to see you changed the user name! You never know who is looking at this site, and it's just better to be safe then sorry . . . . Welcome!

Of course, ALOT of us have gotten' caught up' in the PDL thing. I'm from PA, too. I found out ALL of the PDL's I had ( and I had about 6 of them) were illegal in the state of PA). I have gotten letters, from CA's who claim to 'represent' these companies. but, I have NEVER gotten a letter from the PDL companies, themselves. I explained to my bank about ALL of hese loans. My bank was great in working with me on these. I put a 'stop-payment' on EVERY ONE!! AND...I have NEVER received a phone call from the PDL companies. Have you spoken to your bank? Maybe you don't have to clase your account, but, it depends on what's 'good' for you.

sd, I'm glad for you. You are a lucky one. However, tree, on the other hand will probably encounter some problems just looking at who some of her pdl's are. (His/Her???) Sorry, tree, don't know if you're male or female! So, you'll just be "tree"! So actually, leaving the bank account open/active would NOT be a wise idea. Especially with the MTE d/b/a. No, no, no. They will hit your account 20 times in one day. Ugly, ugly. I see goudah suggested I might have a letter for you to send. Tree, do you know how to do "pm" messages?

She does, she's PM'd me . . .

Tree - PM Cannr and she can send you a example letter. Thanks Cannr! :D

Are CashNetUSA and Advance America (or whatever their name is) the only ones who are licensed/legal in PA? I know the others won't be licensed.

I haven't checked, but I assume so . . . . They are all names I recongize as unlicenesed. But I can't say 100% for sure that they aren't. I'd say I'm 98% sure the rest aren't licensed.

And as far as Advance America goes - With the recent win by the banking dept against them, I would recommend you contact them to see what you should do about you loan. I would think at the least you would get to stop paying the participation fee.

tree, I pm'd you. Let me know if you receive it. Reply back. I'll then pm you. :D

The last time I went into Advance America to pay, the little "receipt" that they give you that has what you paid and your next due date and payment amount on it set a new due date (next month) but listed the required payment amount as $0? I still have my copy of it, so does this mean I'm not obligated to pay them right now?

Well, when I went to the bank today and told them my situation, they closed my original account and opened a completely new one, not linked together whatsoever. They put a hard block on my old account, reversed my fees, and gave me notice in writing that they wouldn't charge any additional fees for attempts to withdraw more money by these people, and that there would be no way they could access my new account.

I'm certainly hoping that will solve the immediate problem of my funds perpetually being sucked dry........but I noticed something in all of your advice about MTEs? What're they?

tree, MTE Financial. This is Satan :evil: . MTE uses MANY different d/b/a's. They are completely illegal. Not licensed in the United States anywhere. And they will debit you to absolute death. Forever and then longer. They will climb into your coffin and ask for more money. Oh. Sorry. Got carried away there! :lol: I'm pm'ing you "the letter". Let me know if you got it. And if you have ANY questions, pm me. I want to be sure you've got your bases covered. :D
P.S. - Great job with the bank!!!

I would contact the dept of banking to ask them what to do about Advance America. Plus, if they do get refunds you want to make sure your name is on the list.

I am SO thankful for all of your spectacular advice........wouldn't have been able to figure this one out on my own, I don't think!!! Tomorrow is "letter writing day," so I'll be having a grand time with the AG office and sending all of my cease and desist notices out. Best of all, I'll actually be able to use all of my own paycheck this week!!! WOO HOO!!!

Maybe there's a little bit of light at the end of the tunnel?

Oh tree! Wait till you get that check in your hand and it's not all going to ipdl fees!! It's the greatest feeling....and it's super the way your bank worked with you...I wish mine had been as understanding...I am so jealous!!

Oughta feel pretty darn good..........hate to admit it, but this will be the first time I've gotten to keep 100% of my paycheck for me in many months........

tree, remember, if you run into any problems or have any questions, just let us know. MTE d/b/a's will play head games with you. Just come here and post anything and we'll give you a heads-up on what's going on. :D

Advance America. I have a payday loan through them and the last few months (my husband and I both went there) we have only had to pay only $20 towards the initial $500 we both got.......my question is how do I find out if there has been/or will be refunds given?

I just want to make sure we are on the list if refunds are given

I would call the PA Banking Dept and the AG's office and ask them. You want to make sure you are on the list if refunds are ever issued.