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Payday loans are illegal hang seng bank hk personal loan states: Arkansas, Arizona, Connecticut, Georgia, Maine, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, Vermont, West Virginia, District of Columbia. APR Disclosure (Annual Percentage Rate). Some states have laws limiting the APR that a lender can charge you.
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Its a good idea to follow up your phone call with a letter to your bank. Make sure that you tell the payday lender as soon as possible that youve cancelled the recurring payment because of difficulties paying back the money. You will still owe the debt and the lender can go on charging interest and fees so its essential you get free debt advice to help you deal with the problem.
Refuse to roll your loan over. Your payday lender might suggest that you hang seng bank hk personal loan over your loan for another month or so. This is a really bad idea. It means you have to pay even more charges and interest so you end up owing much more money. What you should do instead is seek debt advice and agree a repayment plan that you can afford with the lender.