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idiot in ohio

Date: Thu, 08/16/2012 - 05:41

Submitted by anonymous
on Thu, 08/16/2012 - 05:41

Posts: 202330 Credits: [Donate]

Total Replies: 7


I have over 10 payday loans in ohio, unfortunately it was too easy to obtain and now I am in way over my head on paying them back. I need to know my options as I just want to consolidate these loans not any other debts I have, as those would be manageble if it wasn't for my stupidity in realizing how to pay these guys back. I have listed below all have been done on line except for Ace Cash Express which I did at the store front.
White Hills
cashnetusa
vip loan
ace cash express
cashcall
check into cash
check n go
paydayone
cash jar
instant loan
jupiter
beacon
vip loan
zip 19
paydaynation
I am very concerned as I always pay my debts, but due to job loss and change I was over my head, now I am able to pay my normal bills, just not these...I thank you for any advice you can offer.


White Hills - tribal illegal
vip loan - offshore - illegal
cash jar - offshore, illegal
vip loan - offshore, illegal
zip 19 - offshore, illegal
paydaynation - offshore, illegal

cashnetusa - Legal CSO
check into cash - legal
check n go - legal
paydayone - legal
ace cash express - legal

beacon - What's the full name and/or website for this company?
cashcall - Was this a loan with cash call or western sky?
instant loan - I cannot find a license for this lender. They claim on their site that they can do business in Ohio. They may be a CSO. What does your contract say?
jupiter - I do not see a license for Jupiter. Do you have a PDL or an installment loan with them?
You have VIP Loan listed twice. Do you have more than one loan with them?


lrhall41

Submitted by OhioGal1 on Thu, 08/16/2012 - 09:12

( Posts: 5253 | Credits: )



[FONT=Calibri]beacon - What's the full name and/or website for this company? [COLOR=red]Looks like this is from Western, the website connected to the phone number that contacted me 877-746-4993 [URL="http://www.western-fnl.com/"]www.western-fnl.com[/URL] [/COLOR][/FONT]
cashcall - Was this a loan with cash call or western sky? Western sky
instant loan - I cannot find a license for this lender. They claim on their site that they can do business in Ohio. They may be a CSO. What does your contract say? I am unsure I originally took out a loan for $400 and to date have paid $420 back to them, it appears to keep renewing.
jupiter - I do not see a license for Jupiter. Do you have a PDL or an installment loan with them? I have the contract and it appears to be a renewable loan, charging me fee and carrying over the principal.
You have VIP Loan listed twice. Do you have more than one loan with them? I have one and my husband has one as well.
I see recommendations to stop payments and to ask for refunds if I have paid more than the principal, but concerned they will ruin my credit/check writing capabilities even further. Please advise further. Thank you


lrhall41

Submitted by anonymous on Fri, 08/17/2012 - 04:31

( Posts: 202330 | Credits: )


beacon - illegal

cashcall - Western Sky is a tribal lender and is illegal.

instant loan - you need to look at your contract. I need the exact name of the lender and whether it's a payday loan or an installment or CSO loan.

jupiter - you need to look at your contract. I need the exact name of the lender and whether it's a payday loan or an installment or CSO loan.

I'm not sure where you see recommendations to stop payments. You need to revoke ACH authorization with all the illegal lenders and close your account.

There are step by step instructions in the link below.


lrhall41

Submitted by OhioGal1 on Fri, 08/17/2012 - 06:47

( Posts: 5253 | Credits: )


I used the wrong terminalogy, yes I am working on stopping ACH on my accounts, I am unable to close at this time as I am in a negative situation.

However, my concern is that when I contact the lenders that I have way over paid example received $405, have paid to date $1455 that they will tell the bank I still owe them and the bank will allow it to go through. Make sense?


lrhall41

Submitted by anonymous on Fri, 08/17/2012 - 08:38

( Posts: 202330 | Credits: )


I sent the email, they confirmed they will no longer call me but now they are mailing me bills, saying it will go on my creidt report and be sent to collections. Please advise if this is just a scare tactic or if they will go the next step. Thank you.


lrhall41

Submitted by anonymous on Wed, 09/12/2012 - 13:03

( Posts: 202330 | Credits: )