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I am in Texas and have some questions in regard to three payday loans that I have. Two are local and I have already paid back what I borrowed plus several hundred dollars extra. The third is an internet loan that I want to pay back...but the first payment was already attempted to be debited from my account today but there were no funds available, as I opened a new account and changed my direct deposit to ensure that I could pay my rent. I want to pay back the internet loan people on payments that I can afford...I just need to know how to proceed from here. When I say I paid the entire balance I mean I have added up what I have actually paid. As far as they are concerned, I still have a balance...
Already paid back what I borrowed
Welcome to the forums!!!
Are your lenders licensed in your state? If yes, then you will have to pay both the principal and interest. But if they are illegal, then you are required to pay only the principal. In this case don’t pay them any interest or fees. You have done the right thing by opening a new account. Ask them for a refund as you have already overpaid them.
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