legal finance fee payday loans in these states i live in PA

Julie...you go by your state law which I am posting for you. If they are internet loans...

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Crap, morningstarr.......Julie is in PA.

OK...my mistake...Julie...in your state we need to check and see if any of them are licensed in their own state also...then you will follow that law...give us some time to look them up...

Your guys are great i never expected a response so soon!! Thanks so much.

Geneva roth loanpointusa ( says utah moneygram to kansas city kansas total loan 585 fee 135)

2.cashnetusa total loan 750 fee 167.50 =963 moneygram to bluff, illinois bank of nevada on loan note

3. Netcashusa - can't find site says new mexico prob utah or nevada

4,usfastcash - moneygram to miami.oaklahoma bank of utah it says but they have a processing center in carson city nevada - think it's out of bank of nevada not utah but not sure loan 450 fee 120
Same address as ameriloan - i paid them off in full check to the miami, oaklahoma address same po box a month ago!

Thansk so very much truly and dearly

Jules
Finally cashtransfer centers ctc - the worst -- in malta - not even this country - call me on a 604 area code - cell phone calls have stopped recetnly but i have a great istory with them but on teh disabiliyt my entire check would go to them my loan total wqas 1130 ( w fee but now they say it is 1201) they refuse to give me a physical address my brother an attorney was going to pay it off glad i held off - i want to payoff all except this one i feel is totally bad news!! Yoru thoughts?

OK..Julie...you can search for each of these in the google box at the top of the page to see how others have dealt with them...
I have found CashNet USA...they are licensed through Nevada..so as long as they are following that state law then they are legal and you will have to maintain the agreement you made with them.

I will try to find the rest for you during tomorrow.

julie, morningstarr is right. CashNetUSA is licensed/legal. You will have to abide by their state law. USFastCash is not licensed/legal. They are illegal. NetCashUSA is in New Mexico. I checked their licensee database and nothing comes up as them being licensed unless they are using a different name. Geneva Roth/Loan Point I am not finding licensed in their own state - illegal. Cash Transfer Centers (as you know) are big time illegal. Located outside of the United States. You need to stop paying these illegal people. You also had another loan you said you paid in full a month ago. This was an illegal loan also. In PA, they allow for internet loans if the pdl is licensed SOMEWHERE. If they are not licensed SOMEWHERE, they are not legal. However, if they are licensed SOMEWHERE, you will have to abide by the state pdl law where they are. Since these companies can no longer debit your account, you're okay. The unlicensed/illegal ones are just that - illegal. However, let me tell you, stop sending these illegal pdl's Money Grams. You're probably going broke sending them money. And they're not even legal. Your Cash Transfer Centers loan - you need to send a letter revoking any wage assignment you may have signed with them. I don't know if you're working now or what. But they have a tendency to send a letter of wage assignement to employers trying to get their money. If you are working, you need to send that letter revoking any wage assignment you may have signed ASAP. CashNetUSA is licensed/legal.

Cannr...as usual you are awesome!!!! And quick as a bunny!!!

Cash Net USA is the only company legally licensed. They are loaning to PA residents under their Nevada license.

Net Cash USA may be licensed. I think they are part of Nationwide. Nationwide is licensed in New Mexico. They have the same address as Net Cash USA, but that doesn't mean they are related.

None of the others are likely to be licensed anywhere . . . . I know that ameriloan, Cash Transfer Centers, and Geneva Roth are not licensed legally in any state.

julie, we need to know if your loan documents say Nationwide anywhere on them. I can check to see if they're licensed in New Mexico. But I need to know if they have this name or any other name besides the NetCash name.

Okay. Ambassador Financial Servies d/b/a Nationwide Cash is licensed in New Mexico - license #01413. However, it does not state Net Cash USA as a d/b/a, so I don't know if they are indeed "related". Nothing comes up for Net Cash USA. I'm at a stopping point now. Julie, we need to know if your Net Cash USA documents state any other name or an address or something.

Yeah, I looked a few months ago and could find nothing to connect them but the address . . . .

ok guys - found my loan contract

nothing about nationwide but i am going to read the entire loan

it states NEt Cash USA LLC Utah bank of utah and utah laws - so are they lic in utah??

thanks!!

jules

julespooh

julie224

also what about rollovers in particular to netcashusa? and state of PA? does it even go by my state for that or the licensing state of the company? like everything else?

thanks

j

Okay, nothing for netcashusa. I can't find anywhere that they're licensed. Not, not Utah either. Hell, I even tried Nationwide in Utah! LOL! I'm not finding a thing on these guys according to what your loan documents say. Personally, I would treat them as an unlicensed one. That's just me personally since I can't find squat about them being licensed with the information they've given you. If someone knows otherwise, please post & correct me. So, if you're going to treat it as an unlicensed one, then you do not have to go by Utah state pdl law. Until they come popping up saying "HEY, WE ARE SUCH AND SUCH NAME", we're going to have to go by the information we have. Which is not showing up anywhere.

Wait a minute. I just got your quick message. Zip Cash? Is that the name they're using? CashNetUSA/ZipCash? My God. How many names do they have???? Correct me here, jule. Does it say Zip Cash?

julie, if it's zip cash, it's NM. No license. There's another address for them in Delaware. Checked that state also. No license. That's IF it's Zip Cash.

hi cannr

ok
they sent me a netcash usa form mutal release to be singed and returned by sept 25th to be eligible to only pay the 400 ( not the ridiculous 810) they are claiming it is now... it says if they don't get the release faxed back to them by 9-25- they will revoke the offer and they will continue to handle my acct pursuat to my loan agreement -

it says at the botton if the existnece or terms of the settmenet offer are disclosed to anyone except private attorny or acct., they are entitled to recieve at least 10,000 from me in liquidated damages!! can you belive that? i have paid netcashusa to date 1190 on a 400 loan via past loans and loan fees. i am going to give my brother their follow up and my original letter 9 for all 4 of my pdl) and have him respond to this - don't you think? I got the ball rolling so now he just needs to follow up with a letter with the lic laws etc. hell know waht to do. but yes, i got this from an email info @ zipcash and at the botton it says


Zipcash - SFT, d/b/a Netcashusa

and don't forget their moneygram infor is to overlook park, Kansas!!! what is all that about and what are your thougths? i gues they are one in the same zip cash and netcash - net cash is saying ( the letter is saying that their attorneys say that new mexico law rules for this loan - - i shot them a quick emial thanking them for the response and that i would forward to my attorney and they would hear from us re their offer but waht is their lic regstration number in new mexico and audit number in PA - so i guess they are illegal?? just trying to scare me to pay th e400??

thanks a million once again!

Jules

julespooh
julie

julie224 at ptd dot net

i have homepage here too

When I got my loan from Netcashusa the lady on the phone told me they were in New Mexico.

I also just looked at the loan documents they sent me and it does say Zip Cash ????' SFT, LLC d/b/a NetCash USA, in the midst of the loan paperwork. However I dont know if they are licensed/legal or not.

If they are using "NetCashUSA", they are not licensed. Yes, they are in New Mexico. And I have checked New Mexico for a license. Nothing comes up.

Net Cash USA
314 N Riverside Dr
Espanola, NM 87532
Primary Phone: (866) 348-6200 ???? Other
Primary Fax: (866) 922-7401 ???? Other
Primary Contact: Anthony White,Operations Manager
Website: netcashusa.com

If they go by "Zip Cash d/b/a NetCashUSA", they are also in New Mexico. I know Zip Cash is not licensed.

ZipCash-SFT LLC
314 N Riverside Dr
Espanola, NM 87532
Primary Phone: (866) 320-2947
Primary Fax: (866) 922-7401
Primary Contact: Customer Service
Website:https://www.zipcash.com/

thanks Cannr - think i will justpost all my questions on this thread - i also put some on your home page yesterday - sorry!
jules

I am registerd but is says guest - think i am registered under julespooh or my julie224 don't want to be just a guest?? :(

Zip Cash is licensed in NM . . .

Establishment: ZipCash-SFT LLC

DBA: ZipCash
Espanola
NM
License Type: Small Loan Company
License No.: 01503
Issued: 10/18/2005
Expires: 6/30/2008
Status: Active
License Street: 314 North Riverside Drive
City State Zip
Espanola NM 87532
General Street: 314 North Riverside Drive
CityStateZip Espanola NM 87532

So so i owe them the princiapl of 400 even though i already paid 1190 total to them via past loans and fees? i guess i do if they are lic in new mexico ( zip cash) - so i should sign the relsease and fax it to them and pay the 400 prinicpal by the date they requeted of november 26th 2007? If they are legal i will pay them the principal like i am doing with cashnetusa - paying it all - 963.00 and a 700 loan - of which i have paid one fee of 112.50 - so i do owe cashnet the full amount 750 plust the fee they say is 187 or someting? Can i just pay the principal to cashnetusa of 750 i think it was ? or do i need to pay the fees too as they are legal - they gave me 3 payments - of 320 and change 1 this friday, 2 in october - comes to 963...already planned my wal-mart trip for friday for cashnetusa for the first 320 or so payment. CANnr - do you think i should take the offer of the principal and sign the release as zipcash is lic in new mexico? but if net cash isn't i am so confusd - i will prob just pay it in november - ive paid others - amerilaon ( but i ddin't know) - then ill be done with them and just have to deal with USFASTCASH ( so illegal) - and possibley CTC - i could owe a minimum of 197.00 on a 9000 loan - added up all i have paid. But with netcasc i have paid 1190 so why are they being so "nice" and giving me this 400 principal only and saing it has to ben kept very quiet? i doubt they are legal but if you say zip cash is? should i ash them about that?

fondly.

Jules :(

myabe they know that more than 4 rollovers in PA is illegal - ao whey they dropped those adn just put 400? if i owe i will pay - thanks for all advice

jules

Where are you getting that there can only be 4 rollovers in PA? PA doesn't have any laws regarding pdl's, because pdl's are banned from having a physical location in PA. But PA allows internet based companies without a physical location to lend to PA consumers as long as they are licensed in another state and following the laws of that state.

I would take the offer. Since they are legal they could try to hit you with a huge balance.

Technically yes, you would owe Cash Net USA what they say you owe, as long as they are doing the calculations correctly.

Note - Cash Net USA is not the same as Net Cash USA. But Net Cash USA is the same company as Zip Cash SFT.

So goudah,

Do you think they are using zip cash to get me to pay? there is nothing on my loan docs about zip cash and i sent an adendum asking them for their lic registration number and audit number in PA - and also asked for an extension for the sept 25th release form - asked for it be pushed to sept 28th give me more time on that

thanks!

Julie

myabe my bro write letter about zip and how my loa is with netcash who are not lic and they are hiding under that name and i have paid 1190.00 to date? your expert thought and suggestiong - it's not due until november so i bought time to get the money as i am doing cashnet in 3 payments - 1 tomorrow and 2 in october - and the third one is killing me - do you think i can ask cashnet usa for the third one to be by nov 12th? it is set for oct 31st right now ( 3rd one) and the 2nd one 0ct 18th?) i know they are legal and i owe them 963 on a 750 loan pd one coupon fee of 112.50 only much thanks!

i was sup to make first payment today but with closing acct won't be ablt to go to wal mart till friday i email3d them hope a day won't matter.

sorry about typoss - have to get on with my day and so exhausted not sleeping well for a week with all this going on!

Jules

ok - so zip is net - i will take the 400 offer for november 26th thanks - had no idea they were zip cash thanks to you!! and cashnet i know is not net cash they are my only legal one and i am paying on that.

cashnet usa is the one that told me that in my state of PA i can only get 4 extension on their loans - that's whre i got my info. They have alwasy been very good.

ANy thought on teh possible 197 i may owe CTC - it pains me to even think about sending them anything - they say they are lic by the gov of Malta as a financial institution and the law of malta, not the state of PA applies to its terms. They offered me 3 payments of 300 ( loan is 900) by nov 16th. But i have already paid them as i said at least 703.00 should i just send copies of my statements from teh bacnk showing the debits how i added them up and then the balance and send it via moneygram by nov 16th? or actully like to get it done this month.

yoru thoughts on that one?


Jules

Many companies have many different DBA's . . . . It all depends on the state they are licensed in whether the DBA's must be licensed too. Some states will give a blanket license to the corporation. That may be the case here. I would say that most likely the license is valid for both company names.

If you can't make the payment to Cash Net USA, absolutly call them and ask them if Nov 12 is okay.

goudah, what did I do wrong? Zip Cash and NetCashUSA are licensed in New Mexico? Both of them are? Why did I not come up with anything? I went to the licensee database. Is there another way that I should be looking these up? OMG. I could just slap myself right now. But, I swear, I went to their site, went to the licensee database. I put both names in. What did I do wrong?

Only Zip Cash is licensed. Net Cash USA is not, but if it's just a DBA they may not need a seperate license to lend with.

I bet you put a space between Zip and Cash. What I usually do when I search is just put in the first letter of the first word, that way everything comes up that is near it. In this case, it is licensed under ZipCash. If you put the space in it will come back as no records returned.

so zip has the license in New mexico found that - and on teh relsease agreement they want to fax to them by sept 25th - at the botton it says Zipcash-SFT, d/b/a/ NetCash USA AND undr that it says By: Willowbrook Markenting, LLC its manager

i am going to pay the 400 principal they offerend me to pay by november 26th - as zip does have that New mex license - thank so much again.

Paying on cashnet - 3 payments 1 next week 1 october 1 early nov

CTC - i have paid 703 loan is 900 they want 900 by nov 16th or someitng like that - in mid november

usfast will be staring now as i didn't pay the moneygram last week - now that i know they are illegal - i have paid so much to them the loan is 450 and i have covered that in fees and past laons = have all bank statments and proof of debits - will send them my letter my monday adn they take it from there - sure they will come back with wanting the full 585 ( fee is 135) no way! illegal and i am not seettling with this loan company as i am doing with netcash as they Do not have a license correct? thanks ever9on!

Jules

geneva is also calling a lot again - after they got my letter - i am going to have my atty brothe do short follow up to geneva roth, CTC and usafast - think good idea?

thanks again!
Jules

julespooh

Sure...send all the letters you can and dont forget to revoke that wage assigmnent with CTC.

julie, if you have not already done so, send a letter revoking any wage assignment to Cash Transfer Centers immediately. If you have already done that, good. However, they may still try to pull one on you. Watch out for them. You do know that they are highly illegal and overseas, right? So you know that they are not "licensed". Watch them closely. You paid 703.00 on a 900.00 loan and they're asking for 900.00. No. I do hope that you have filed with the BBB, the FTC, and your state AG regarding them. Extremely illegal. USFastCash is another slick one. Watch them closely. No, they are not licensed. They are not licensed anywhere in the United States. I do hope you filed with the BBB, the FTC, and your state AG on them also. They will be nasty and try every trick in the "nasty" book to get you. Make sure you have filed complaints on them. And do not forget to do that wage revoke letter to Cash Transfer Centers! Like I said, they'll try to pull it anyway. So do it, mail it certified, keep a copy of it, and give a copy to your employer.

thanks cannr! i read in another thread geneva roth is licensed in Utah - ugh - if that is true feel stupid sending my letter about them acting illegally - loan 300 paid 1150 on past loans paid in full and months of fees - if they indeed are lic in utah - i will pay the 300 right? even though i have way overpaid? i foudn this on the thread - geneva strikes again - followed the next one adn that's where it said geneva is lic in utah
help!

thanks
jules

Julie- this is the THIRD thread you have this on today....please stick to one thread so we arent all answering the same question.

They have to be licensed in your state.

Geneva - Roth Capital, Inc.
6950 W 56TH ST
MISSION, KS 66202

Licensed in Utah. Just checked. That's okay, jules. It just means that you would follow the pdl law of Utah on this one.

Thanks cannr

so for utah - my loan was 300 and tehy saw i owe 480 300 plust 180 in fees ( 2 weeks worth) BUT as i am on disability they were debiting once a month - stillat 180 while loanshop who closed my laon when i started asking great questions thank to you and this forum) -

they were only charging 90 a month - same fee same loan amt. - sent them an email to my contact person today saying if they could produce their utah lic regirstration etc i would be more than happy to do money gram for the 300 principle - waiting to hear - what do you think? So glad i read more threads - i was fighting them telling them they had NO license.

Have a great weekend cannr!
Jules

jules, you're going to have to abide by the pdl law of Utah. I'm going to post the Utah law for you to see. This is where they are getting their dollar amounts from. They have very lax pdl laws. So I don't know what kind of response you'll get from them; however, here are the Utah laws.

Utah State Information here http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html