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I live in SC, I have a pdl with Alpine Direct for 150$. I have paid 45$for refinance charge, another pdl with Ameriloan for 200$ and paid 120$ for refinance charges. How do I know if they are illegal in SC and what do I do if they are?? I'm willing to pay back the loan amount but should I consider the fees they have already taken as payments to that loan? What do I do?
Fees already taken as payments
Welcome to the forums!!!
Payday lending is prohibited in SC. That means both Alpine Direct and Ameriloan are illegal in your state. You are required to pay them only the principal balance. Nothing more than that. As you have already overpaid them, so ask them for the refund. Just close down your old bank account and open a new one to stop unauthorized withdrawal.