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#teresa - Says,

I had an internet payday loan with The Loan Shop/Westbury Ventures. I have paid 960 dollars on a 400 dollar payday loan. I stoped payment with my bank. Which then they changed their ACH name and withdrew 520 dollars. My bank has since credited me for that amount. I just received a call from Ms. Davis stating they are getting ready to file paperwork and I must send a 390 settlement amount to them by money gram today. I have paid 560 dollars over the original loan amount. The company states they are in Deleware, I am in arizona, isn't there a cap on charges. I don't really have 390 to send them, is there anything I can do?
#Polly - Says,

Check this thread

http://www.creditmagic.org/repair/westbury-ventures2-2.html

#tom kubik - Says,

stay away from pay day loans teh will take advantage of you
#Laura - Says,

There is a complaint being filed. This might help you teresa

http://www.creditmagic.org/westburyventures/fraud-3.html#8637

#diem - Says,

I have paid 960 dollars on a 400 dollar payday loan

OMG. I am so sorry this has happened to you. Do you have the terms you agreed to? Can you scan them for us? That seems like more of a scam than a payday loan if you ask me. I'd be interested in reading the TOS for the loan. Don't give in to their demands! They are scum!

#jackpot007 - Says,

that's awful. these payday loans can be very helpful sometimes but you should also remember that you have to repay them or else there will be trouble. Sad
#erb1953 - Says,

You are better off paying off these companies and getting away from them.
#Laura - Says,

The problem with the PDL's are that they charge extremely high rate of interest crossing the ethical limits.

The basic thing is that nobody should ever think or opt for a PDL in any case in life. It is a loop hole and definitely to pull you in before you realize.

#goodnatured - Says,

The states or the feds need to put some limits on these companies, it is ridiculous what they charge and they get a way with it. They charge so much it is impossible to pay them off.
#Justin - Says,

Yes, I too think so goodnatured. Fed should place a ceiling on the interest rates charged by the PDL companies. Actually, Laura the main thing is that when you are seriously in need for money there is no other option except pay day loans.
#Mr.Larry Joseph - Says,

Attn:Borrower,

I am Mr.Larry Joseph, UNION ALLIANCE FINANCE LIMITED.A private Loan lender and a corporate financier for real estate and any kinds of business financing.We offer Loans to individuals,Firms and other cooperate bodies who are in need of financial help or assistant at a reduced interest rate.Loan terms determinant,and Capital is based between the range of $1,000 and above,Loan for developing business a competitive edge/business expansion.
Are you homeless?
Are you broke and needed funding?
Is your car broken down?
Do you need a reconstruction loan?
Is your finance going down the drain?
Is your business liquidating and folding up?
Name In Full:....................................
Address:.........................................
Country:.........................................
Mobile/Phone Number:.............................
Sex:..............................................
Amount Needed As Loan:............................
Loan Duration:....................................
Purpose For The Loan:.............................
If so, then count on us for an affordable and reliable loan services that will give you the comfort you need as we are ready to fund you with any amount you so need and desire.
[deleted] Violation of forum rules - Richard
Thanks,
Mr.Larry Joseph.

#goodnatured - Says,

Sounds to good to be true, then it probably is, right????
#goodnatured - Says,

sometimes people find themselves in a desperate situation and need the money quick enough that they have no other choice then to take out the pay day loan, getting them paid off as quickly as possible is the only way to get out of them with out a ton of expense. I have had to use them and found that they have reeked more damage then good. If you find yourself having to use them then plan appropriately and pay them off quickly instead of letting them linger.
#vfsalinas05 - Says,

That is crazy about your payday loan...I have never had a payday loan, I have just taken out installment loans...I have one right now for 300 dollars and it is over 6 months..the total i am going to pay back is 420...They explained everything to me and showed me and explained all the interest in detail, they are very good and report on my credit..my opinion would be to speak to a professional about this issue because it does sound like a scam...
#tracy - Says,

I know much about payday.Payday is not that much bad.payday help you fast just in one hour.
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