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I live In NY and I have 5 online payday loans: River bend Finance 500.00 paid 915.00, United Cash Loans 400 paid 650, Payday Nation 450 Paid 1,806, Splash cash 600 paid 1307.50 and CWB 250 haven't made a payment yet. I recently closed my bank account and opened a brand new one. Payday Nation is constantly calling me at work sending me email saying that they are going to turn me into Chex-system and stop me writing checks to Wal-Mart and other various stores first of all I really don't know if any of these lenders are legal in my state how can I find out and what should be my next course of action against these ruthless people.
Going to turn into Chex-system
Welcome to the forums!!!
Payday lending is prohibited in New York. All of the above mentioned pdl companies are illegal in your state. You owe them nothing more than the principal. As you have already overpaid them, so ask them for the refund.
You have done the right thing by closing down your bank account. Don’t worry…illegal lenders can’t do anything.