Internet's first get-out-of-debt community - 135,000 members

Tabitha · Posted: Wed Aug 10, 2005 8:22 am Subject:

update...
sonic refused to provide me with a copy of my docs and won't send a verification of debt...SOOOO I called payroll she said I could refuse the garnishment, but didn't tell me how...

Posted: Wed Aug 10, 2005 8:26 am Subject: Garnishment / Wage Assignment

I'm assuming all payroll places are the same. How do you STOP a wage assignment. I hear it's totally different from a garnishment. Aren't garnishments something done by the courts. Meaning a judge has to order it. And since this company claims to be from Ireland..or whatever, a rep will have to appear in court.

I WILL ONLY pay via wire transfer. Soon as I get the wire numbers I'll post them, and you can wire your money away. I'm only going to pay what is due from the loan $200 + $53 loan fee. They've already got $154.50 of my money...

so yeah...since I'm stopping payment on that please let me know about garnishments...

Posted: Wed Aug 10, 2005 10:42 am Subject:

They (Sonic) claim that in the paper work that you sign that there is a voluntary wage assignment. Just tell your payroll dept that you have already paid it. I think Mr. Big mentioned that before. Garnishments are done by court order. If your payroll dept is like mine, they dont want to do anymore work than they have to

Posted: Wed Aug 10, 2005 10:43 am Subject:

Sonic cant garnish. Its only a wage assignment.

Posted: Wed Aug 10, 2005 10:52 am Subject:

hrmph...

ok so I udnerstand now why Sonic won't garnish any wages. It keeps them out of court. Smart.

So how do I found out if it's illegal in Michigan.

My loan is payed off, but there are others that still need help. Is there a website that I can go that will list all the states.

Mister Big
Detroit, Michigan

Tabitha · Posted: Wed Aug 10, 2005 11:49 am Subject:

Alright...so what i need to know is what a wage assignment does...I understand it is voluntary, and the payroll person I talked to told me to contact our companies EAP but that yes...I could decline an assignment... I know I'm asking the same questions over and over again...but I'm still lost!!!

Posted: Wed Aug 10, 2005 12:06 pm Subject:

A wage assignment is the same as a garnishment, but its voluntary. Its basically a legal way that Sonic has to be able to get their money back by "assigning" or garnishing your wages. They are basically going to send this agreement to your payroll dept and say "Tabitha signed this so you can deduct it out of her pay and give it to us." Follow what Mr Big and I have suggested and your Payroll Dept wont deduct it. Sonic is using this as a scare tactic for you to pay up because most people dont understand how garnishments and wage assignments work. Thats why we are here!! Wink

Posted: Wed Aug 10, 2005 2:20 pm Subject: UPDATE:

I had been told that David Ash is no longer with the company. I then asked the new presidents name, and Rosie Valentine told me it was Peter Ash. Weird yo...but whatever. So then our 27 minute conversation also disclosed a Yolonda Williams whom I spoke with earlier. She told me to call her later. Now Katie Valentine slippped and said Yolanda Green. I asked if there were two Yolanda's and she said no. NOW....how can someone (Rosie) know of all the names that I listed off and say she doesn't work here, yadi, yada....and mistakenly say Yolanda Green. Mariana (loan rep from the PLR side) wouldn't give me much info. She talked to her manager, whom then transfered me to another rep whom said they didn't have to give their name. This coming from manager Marcel, who refused to talk to me. That's how I got Rosie. I've been told that these managers use fake names to avoid getting sued, or called to court. just like the PLR, Coastline (Texas), Sonic (Ireland). I ask Rosie why all this hiding. She ask why I refused to give my name. (My last payment of my loan isn't paid back.) So anyway...just two seconds ago (She must of talked to Erin Kennedy and did a search by area code) just two seconds ago Rosie Valentine called me back and called me a liar. Saying I lied 3 times. This is very frustrating. I ask why can't something like that be public information. Why won't you give it to me. She said some reason why I wouldn't give her my name.

Sooo....I guess Peter Ash is the new guy. Still no phone number, but I wonder if calling the Mayor's office would help???!!!?!?!?!?!!

Mayor Doug McCallum
604-591-4126 (Canada, Brittish Co.)

BY THE WAY....there's a business called DataPro Design Graphics and Printing that shares the same address as this SONIC...

I wonder if it's another housing for thier mail, or if this is an office comples (Guildford Office Park) like the website details.

Anyway...DataPro 604-585-8739

I've also been told that when I do call, Yolanda Green will be notified immediately...pulled out of a meeting, called on her cell if at lunch, or paged to talk with me.

She says.."I don't understand why you're so upset."

Plus she also mentioned Western Union is my only option. If that's my only option, which I was told this way before...then why are you hitting my account.

I told her MY ONLY OPTION, would be a bank transfer.

We'll be talking later.

Mikey (MisterBig)
Detroit, MI

Posted: Thu Aug 11, 2005 10:06 am Subject: phone number for the receptionist

OK...so after speaking with Rosie Valentine, she told me Mr. David Ash is no longer the president of Sonic. She said it was Peter Ash. Weird, but w/e. So anyway I heard her banging away at her computer trying to find out who I was. I refused to give any information. Well...I slipped and said Erin Kennedy refused to help me. So she knew I spoke with her. She did a trace by my area code (number shows up different on CID) and she called me back. She said she was going to inform everyone in the office to not give any information on Mr. Ash----I questioned why...why on earth would you keep the presidents name a secret, and her rebuttle was "why did you keep your name a secret." She also told me Yolanda Williams last name was Green. I questioned that. Saying I thought it was Williams. She said it was her fault..woops. I asked if there was more than on Yolanda and she said no. So how can that be an opps...when she said Ivan McKinnon is no longer there and Ms. Reid was long gong sometime ago. Well...she also wanted to know how I got those names. So I'm assuming they use different last names...

irreguardless of me trying to keep my name a secret and say I didn't have an account is not a reason to keep the presidents name a secret...

I kept on my search to annoy these people and find out the name/number. Mr. David Ash is indeed still employed there.

EDIT: as of right now 12:52 eastern time (Yolanda Williams) has confirmed with that she was recetnly married. (If I must know her personal business...whatever) Anyway so Y.Williams and Y.Green are the same person. I've gone over with her that I am currently seeking legal action which is what my credit union manager suggest. She said she is WELL FAMILIAR with this company. A STOP PAYMENT on an ACH has to be done each time you know it's about to hit. Since they try it for twice per loan, you'll have to do 2 stop ACH's.

anyway....so I'm changing my account number. Yolanda is going to call me back to talk more about me seeking legal action. There have been emails, and postings, and announcements about me calling. THEY KNOW WHO I AM ALREADY!!! I'm famous...lol

Anyway...back to the real reason I'm posting. I called back to PLR Direct 877-472-9329 (Winnepeg) and you'll have to push *one* for a new loan. I asked for the receptionist phone number (not giving my name) and Lee said are you calling about a loan. NO...so he said he didn't have it. I asked well any number up there will work. I mentioned how do you call in sick? I did mention David Ash's name, he said he couldn't transfer because he was on a call center phone, etc, etc...

so he put me on hold.

FINALLY::::: the number to use to call in sick, but really he said it was for the receptionist is 204-975-6155

and that is how to get ahold of David Ash...who IS still employed very much so!!!!

Mikey "MisterBig"
Detroit, Michigan

(I feel like going to law school now to sue companies like these!)

Posted: Thu Aug 11, 2005 11:19 am Subject: another phone number

I just got an email back stating the address of 13696 104th Ave, Surrey BC is coming back as Payroll LTD

604-587-6010

mbishop

I too am dealing with a Sonic/Coastline Credit nightmare. My husband defaulted on his loan and we were given until Monday to pay in full or they will assign his wages for the total amount. I did some research. The paper he signed claimed that the wage assignment was "irrevocable". However the FTC banned irrevocable wage assignments with the Credit Practioes Rule in March of 1985. Please check out the FTC website To quote the Credit Practice Rule "Under the Rule's prohibition against "wage assignments", your consumer contracts MAY NOT provide for the irrevocable advance assignment to you of any money due consumers because of their personal services if they do not pay as agreed." You must send a certified letter revoking the wage assignment. I realize this part may be tricky as Sonic is not exactly forthcoming with their mailing address. I myself used the DE address that is listed with the BBB. It remains to be seen if they actually sign for it. The most important part is to talk with your payroll deptmartment. Inform them that you have revoked the wage assignment and give them a copy of letter and certified receipt. If necessary also supply them with a print out of Credit Practice Rule. The wage assignment is NOT court ordered and they are therefore not obligated to comply. In fact, if revoked they are not permitted to comply. Tell them if contacted by Sonic to let you know. I would also advise hiring an attorney or credit counselor to negotiate a settlement. I was lucky that my bank worked with me - of course this was after Coastline Credit attempted to withdraw 4578 out of our bank account for a loan that was only 1500. I signed affadavits of unauthorised withdrawals and closed the account. We have a new account and Sonic/Coastline does not and will not have access to those numbers. Finally, to everyone having a bad experience with this company - lets fight back a little. I have filed a complaint with the FTC for the "irrevocable wage assignment". I also filed a complaint with the BBB for not being supplied with a physical address when requested. I will continue to research and find out who else I can let know about their business practices. But the more people who complain, the more likely it will get attention. Best of luck to all.

Posted: Thu Aug 11, 2005 2:13 pm Subject: Sonic and fighting back

I don't know why these people are trying to keep their companies location such a big secret. I understand having all these different departments. The broker and the lender are the same person. Coastline and Sonic are the same. One is based in Ireland (supposedly) and they follow there lending laws. But after checking up, the offices are actually located in Canada. Still though, not giving me the presidents name. So I contacted the Mayor, who still hasn't called me back, however a lady did return my phone call confused as to what my complaint was about.

I changed my account today...and the wage assignment I beleive is bogus. THey told me once when I default on the loan, that it has to be Western Union Quick Collect. They've dipped into my account two more times. And they're telling me they will do it again. I was told before the last time that if don't pay in full (i made an offer of 1/2 now, 1/2 next week) and they refused. They told me they'd be contacting my employer. I'm beginning to wonder if the wage assignment is just a scare tactic. Sure they have my payroll phone number because they require much proof except verificiation of a paystub. I used my cellphone as my office work phone.

But thanks for the info on the FTC. Do you have the link to that information???

Mr.Big
Detroit (Metro), MI

mbishop · Posted: Thu Aug 11, 2005 2:37 pm Subject: scare tactic

It is definitely a scare tactic. They bank on the fact you will freak out and find a way to pay back and reloan (they continue to make money) or that you will not fight the wage assignment.

Here's some links
ftc.gov/bcp/conline/pubs/buspubs/complcred.htm
illinoislegalaid.org/index.cfm?fuseaction=home.dsp_content&contentID=3 714
illinoislegalaid.org/index.cfm?fuseaction=home.dsp_content&contentID=2 009

Hope the info helps

Posted: Thu Aug 11, 2005 7:14 pm Subject:

mbishop,

That is awsome information. Thank you! Thank you! Thank you!

Guest · Posted: Fri Aug 12, 2005 1:21 pm Subject:

scare tactic isn't true...I have a coworker who was garnished (assigned) by Sonic...

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

Internet's first get-out-of-debt community - 135,000 members

Sonic Payday.com/E-Care Payment Services/Coastline Credit

Members Area

Free Debt Counseling

Ask the community

Also See

Featured Discussions

Featured Articles

Recent Forum Discussions

Recent Blog Post