Pepper Cash

Hi! I have taken out a pay day loan for $400. I understand that because they aren\'t legal in the U.S.., or MN at least that I only have to pay that amount and not any of their additional fees. What is the best way to handle this once I have paid that amount that I took out, so I don\'t have to pay more and upset them. Any advice would be grand!

4 Answers

I got a loan from pepper cash for $975 and I have paid over $1,000 in fees does Ohio allow for these take for internet loans from what I have been reading these loans are illegal in Ohio.


Yeah….since they are illegal, so you are required to pay them only the principal amount. No need to pay any interest or fees. Close your bank account asap. Don’t worry, illegal lenders won’t be able to take any legal action against you.


Close your bank account. Revoke ACH authorization. Send a letter explaining that you'll only pay the principal amount. Send the payments via money order.


Read the link in my signature line on dealing with illegal loans.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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