What can i do about a company harassing me about a payday loan?

Im being harassed by this company in Florida saying that they have a lawsuit against me because i refuse to pay off a payday loan. I also received a previous call from this number saying that i had a warrant out for my arrest and that they were sending police to my house. When speaking with this company I told them that i did pay it off and they said the money they collected from my account was not going towards the payoff but it was fees. The loan amount was for $200 and i gave them well over $300 before i closed the bank account because of this issue. Later to find out that these loans are illegal in my state. So do they have a case against me or is it just a scam? Im not so much worried about them threatening me with the lawsuit but the fact that they have all my personal information including my ssn and what they can do with it.
i dont have a mailing address or email of the company, just the phone number

I want to find how to contact Total Lending Payday Loan, either an e-mail address or 800 #.?

I have a payday loan I want to pay off with this company and I can’t find the address for them and they just keep taking cash from my checking acct. every 2 weeks and don’t e-mail or call me to make arrangements for a pay-down or pay-off, which I know is a scam and that is why I want to get them paid off and their hands out of my cash… Thanks for any information anyone has on this company. I expect there is at least one more “name” this company hides under so it is hard for someone like myself to find them on a web site, so if anyone knows other names please let me know, I REALLY want to get this issue resolved quickly…. Thanks, VIcki Dugger

what can i do if a payday loan company is taking money from me without me authorizing it. it seems like a scam?

The problem is, they have been deducting $90 every two weeks from my account and I had no info about this company. I finally found some on-line the company name is magnum Z LLC and when i spoke to the one guy over the phone he said i authorized it. kept stumbling on his words and when i asked for a voice record of me authorizing it he said no and i asked why he said cause he said so. he said he would report me to collections and i really don’t want that to happen. I paid them more than the loan amount was which was for $300 and they still are taking money out. they said that the $90 are finance charges and that I needed to call to pay down the loan so none of the $90 went to the principal in other words. I don’t know what to do. Help please.

Call from a foreigner about a payday loan?

I have 2 current payday loans and I am making my payments on them. However, I am receiving a lot of calls from this foreign speaking person and he is arguing with me that I owe them and I don’t. I don’t know where he got my information from, but I am paying on my two loans like that I am supposed to be. He says that he is an investigator and he is calling from somewhere in California. I have tried to tell him that I don’t know anything about his company and he starts arguing with me and I cannot get a word in when he is rattling on and on. I told him to contact my family attorney and he says that he can’t do that. He said that if I don’t straighten it out that he will have to turn it over to my local sheriff’s office. So, I told him to go on and do that. I am tired of messing with him. I believe he is running some type of a scam. Has anyone else had this happen to them?

Where do I go for a loan without paying $$ up front?

I have bad credit and am trying to consolidate payday loans. I don’t have money for up front fees or Nigerian lenders who want to scam. Please advise.

is anyone aware of payday loan co. giving your bank info to third parties claiming you authorized debits?

I applied at a payday loan co. and 3 times I ended up with debits from my account. Twice was for $19 for applying but the kicker is when $49.99 was taken from my account for a secret cash card? I found out where it came from and they claim I checked yes to one of the boxes on a payday loan appl. authorizing this third party company to send a check through my bank ordering a secret cash card thats a prepaid debit card thats suppose to give me online privacy when purchasing and protect me from companies and people from getting my personal info. Now it seems like I need that very protection from the stupid people thats selling it or fraudulently debited my account! The bank told me that when I applied for the loan I authorized the third parties to debit my account for various things. My thing is If your applying for ONE thing such as a payday advance how can it’s friend tom who sells shoes, joe who sells dog food and mary who sells secret cash cards legially take that money out my bank ?
Besides if I needed to apply for a payday loan then I didnt have money in the first place for no secret cash card and the funny thing is I never even got the loan!

Can I take legal action against a website that stole my information and sold it?

The other day I was looking at payday loan sites (yes I know terrible idea) and I found one that interested me. I filled out the information they asked for (including my SSN and bank account number) and after I submitted it they immediately told me I didnt qualify. Right after that my inbox got flooded with spam. I get about 300 spam emails a day now. I also keep getting phone calls and texts that are just spam. Somebody also tried to access my bank account but the bank stopped them. I confronted the website via online live chat (their phones “are not currently working”) and they swear up and down they dont spam and that its not from them. It has to be though because I never got spam before that and a majority of the spam was for payday loans. I want to know if there is some kind of legal action I can take against this site. Hope somebody can help me! Here is a link to their website

http://personalmoneystore.com/Payday-Loans/

They stole it because it was a loan application. They sold it to a bunch of spam sites so yes, I would consider that stealing. Seeing as they do not provide loans and just spam you, I would consider that stealing.
Wow spammers are so fucking retarded. Im asking if I can take a spammer to court and I get a bunch of spam replies offering me loans. I hate the internet.

When is the best time to file bankruptcy?

I am a 27 year old who has a great job, yet has found himself in trouble with STUPID payday loans. I have a finance degree and cannot believe i have found myself facing this taboo topic of bankruptcy. Though i make good money, i cannot pay off these loans nor my bills. i feel bankruptcy will enable me to afford the simple things…i.e groceries. i have a meeting next week, i feel its my only choice…yes, my debt is consolidated and thats not helping…and creditors still call my work

I need to borrow £2000 very quickly.?

I have tried payday loans,provident,shopacheck,yes loans,welcome,tenant loans etc but to no avail.I need to find a loan shark or someone who is willing to lend privately to me.My credit rating is bad for various reasons.I don’t care what interest rate I pay but I just really need the money.I have no parents to ask for help.Please dont advise me about not doing this as I know its risky but I dont have an alternative.Thankyou for any links to someone who may help me.I appreciate it.

Will the bank tell a Payday loan company holding my check about my savings account?

Yeah I was dumb, the checking and savings where never tied together.The payday loan tried to force it open, before the due date of the check, so I closed out the checking account,yes I have to pay them but not thru my savings account? The payday loan co. is not giving us the time they promised, an never tell you of the hidden costs,the savings is to pay for new teeth, when my dental work is done, which is $700. the Cardiologist told me I needed this done,for the teeth are causing damage to my heart an blood chemistry,I’ve already paid half of dental work,I must use the savings accuont to complete the dental work,would the bank tell the Pay-day loan co.about the savings account?Is the bank requried to tell them? plzz need your help, thank you,very much.

can you tell me the fastest payday loan company?

can you tell me a fast simple payday loan service not a refferal spammer service an actual loan provider thanks i am in georgia

Are payday/cash advance loans prohibited in GA????

I have been on the internet for days now looking for a location in GA for a payday/cash advance…I have come across many websites, but all have the fine print..none can be done in Georgia. Can someone please refer me to a payday/cash advance location in GA??

Does anyone know the site for filing a claim for the class action suit in Pennsylvania against Advance America?

I received a post card in the mail regarding the class action suit against Advance America for Pennsylvania residents who took a payday loan from them and were charged exorbitant rates. I lost the postcard and can’t find any information about this suit, only the one in Georgia. Anyone know where I can go?

Someone keeps calling my phone saying that they are a lawyer?

A lawyer keeps calling my phone saying that a payday loan company based out of California has my social security number and all of my information. They are saying that I took out a $250 loan and a $1,500 loan with them and have not repaid them. I can barely even understand this lawyer person because he is a foreigner. I do not even know where this is coming from because in the state of Georgia we cannot take out payday loans and no one can give us a payday loan. He is saying they are going to sue me for $8,000. I don’t know what to do!!!! Please help!!!! Is this person even legit. He won’t even tell me about the website that I supposedly got the loan from.

can a collection agency have a warrent issued for my arrest if i do not pay on a loan?

i made a payday loan four and half years ago using a post dated check and they are telling me that if i do not pay that they will issue a warrant for my arrest. they are located in Atlanta Georgia. Do they have a legal leg to stand on to recoup their money in this way

Who invented payday loans?

I’m only asking, is because I’ve been trying so hard to get out of them. I do at one point,. But that’s only by closing my checking account and than settling it by a fraction of the cost. It’s quite aggravating! The interest is so high. You have to take out a payday loan to pay off another one sometimes! I mean a lot of people have money problems, I Just wish I never had gotten into it. Is anyone else in this situation? And how did they get out of it? I have a cash advance opened through my bank account..and I’m trying so hard (without being extremely broke) to get out of it. It’s not even high.

overdrawn on my checking account by $800.00us just lost my house and do not know how to get out of this. help?

i filed bankruptcy and am trying to figure out the best way to pay this without a payday loan which would make matters worse

Payday loans question?

My friend has to pay 94 dollars or else he goes to jail. He has a savings account but not a checking account. Is there any companies that he can get roughly 100 dollars from without writing a check? Can he write a check from his savings account? He makes roughly 2,000 a month. We’re outside of seattle, wa

what can I do about unauthorized checking account with drawls form unknown businesses?

I had to get me a payday loan over the internet.Everything seemed fine and I got the loan,but 2 days after the loan money was deposited in my account,”companies” , I don’t even know, started to with draw money, for different things, out of my bank account without my knowledge. At first I thought it was just a mix up in the account number or something like that, but it happen 3 times, always a different company. I did get a refund from one of them,and still waiting on a refund from the others.But the last transaction from one of them left my account with an overdraft fee.
What can I do to stop these actions? without closing my account.
I’m almost afraid to deposit any more money into my account,but yet, I have to pay for the overdraft fees the banks charges me.
Can I contact the BBB and report the Loan company as ” illegit”? or report the companies that withdraw money from my account?
Can I take any legal actions against those companies? if so, how would I go about it?
Please don’t give me answers like; “you should have known better” or “how dumb can u be”.
At this moment I need “helpful answers” not a “blame”.
Thanks for all the answers,and I do apreciate the first 3 I have received,thank you.
The restof you did NOT give me an answer to my Question, but rather gave me “New Offers” to get a loan, with their loan company.
I did NOT ask “where I can get a loan”, Read the Question! Please.

I need to know if a payday loan company can legally charge 125% interest without telling you in the agreement?

I borrowed $ 200 from an online lender and the agreement said my total repayment would be $260.
I thought that was a bit steep as is. so I called on the phone and was told that that is the total charges i would be required to pay. now that the loan is repaid they say the $260 was just the finance charge and now I owe another $260. I refuse to pay 520 dollars for a $200 loan. What are my rights? they have my checking account # and the payments have been coming out eletronically.

Help with my payday loan!?

Last year I took out a payday loan for $1,000. Every month I go into the store and pay $140 fee to take out a “new loan” at the same place to cover the $1,000. Technically I would already have it paid off by now and then some. I don’ t know if this is considered a “roll over” loan, but I was doing some research and I know they are illegal in Ohio. Can someone please give me some advice?

What type of jobs are available for people who have a high school diploma?

I plan on going back to school in Janurary but I have had terrible luck looking for a job and I am a single mother of a 2 year old and I was wondering what types of jobs are available to me!! I have 3 years customer service and 3 months of Store Management experiance at a payday loan store but no one seems to be hiring!!!

Can I borrow loads of money and move abroad?

If I were to borrow £50,000, 20k from an unsecured loan, 15k from credit cards and the rest from payday loan companies, store cards and bank overdrafts and left the country what would happen? Would I get away with it providing I did not come back to the UK for at least 6 years. As far as I know there is no law against not paying back your debts. Thanks for your answers in advance.

I need to get out of payday loans!!! Help !!!!!?

I have a few store front payday loans, not the online kind. Is there any way to get out of them legally?? Also does anyone know of a way for a person with bad credit to get a loan that does not have a super high interest rate?? Thanks in advance!!!!

Working at a payday loan business bad for future employment?

My friend has fallen on hard times and needs a job. He has great qualification and has been offered a GM position at a payday loan company. He doesn’t like it too much ethically but he can stand it for a year or so.

Business is booming at these places as you can imagine and he will be very well trained. Plus, his store will be located in a higher income area so many of the customers will be using western union, small business owners needing to cash a check fast, and things like that.

Will working as a branch manager look bad to future employers? I know that many think it’s predatory lending but he doesn’t set the prices, he just works there. Will this screw him in the end?

Thank You,

TJ