most people that complain about company policy our those goofs that had no intention to pay the company back and when they start to proceed with their company policy it like burns them in the ass...dont people understand its a 2 week loan not a car loan were you can make arrangements...and if you dont pay they will take your car....idoits i tell you...

I am hereby informing sonic payday that I Am rovokeing my wage assignment.You may contact me via my email address to set up proper payment schedule with me as offered in the past

[CycloneFan]

Here's some interesting information on Sonic getting ordered to "desist and refrain from engaging in business" in the state of California:

State of California – Department of Corporations
STATE OF CALIFORNIA
BUSINESS, TRANSPORTATION AND HOUSING AGENCY
DEPARTMENT OF CORPORATIONS
TO: JOANNE TURNER, individually
JOANNE TURNER, doing business as SONIC PAYDAY LIMITED
aka SONIC PAYDAY, LTD.
18/19 College Green
Dublin, Ireland
DESIST AND REFRAIN ORDER
(For violations of California Financial Code section 23005)
The California Corporations Commissioner finds that:
1. JOANNE TURNER is an individual and a principal in SONIC PAYDAY
LIMITED aka SONIC PAYDAY, LTD. (“Sonic”), and is engaged in the business of deferred
deposit transactions in the State of California.
2. SONIC PAYDAY LIMITED (aka Sonic Payday, Ltd.) (“Sonic”) is, and was at all
relevant times herein, a limited liability company registered and existing in Dublin, Ireland.
2. Neither Joanne Turner, nor Sonic Payday Limited have been issued a license by
the California Corporations Commissioner (“Commissioner”) to engage in the business of
deferred deposit transactions under the California Deferred Deposit Transaction Law
(“CDDTL”) (California Financial Code §§ 23000 et seq.).
3. Neither Joanne Turner, nor Sonic Payday Limited are exempt from the licensing
requirements of California Financial Code section 23005.
4. Joanne Turner and Sonic Payday Limited have engaged in the business of
deferred deposit transactions by originating deferred deposit transactions as described below.
5. A deferred deposit transaction is a written transaction whereby one person gives
funds to another person upon receipt of a personal check and it is agreed that the personal check
shall not be deposited until a later date.
7. Joanne Turner and Sonic Payday Limited have offered deferred deposit loans to
residents of the State of California
6. Joanne Turner and Sonic Payday Limited have been made specifically aware that a CDDTL license was required in order to engage in the business of deferred deposit transactions
as Sonic received a written notice to this effect from the Commissioner on or about March 15,
2006, sent via the email link on the Sonic web site and facsimile machine, and written
communication with solicitors for Sonic informing them that a license was required to accept or
arrange for deferred deposit loans in the State of California.
7. Based on information obtained in the course of an investigation, and promotional
“testimonials” contained on the Sonic web site, it appeared that Sonic was conducting deferred
deposit lending activity involving residents of the State of California. In addition, Sonic engaged
in these transactions without providing the customer/borrower a written contract as required and
was also charging excessive interest and fees, in some cases exceeding 25% for a two-week loan,
in violation of the CDDTL.
8. As a result of the investigation, the Commissioner sent a letter dated March 15,
2006, demanding that Sonic cease its direct deposit lending activity in the State without first
securing a license as required, and also requested certain information from Sonic. Counsel for
Sonic responded that Sonic was a corporation licensed in the country of Ireland and conducted its
lending activity strictly on the internet, claiming that as a result, it was exempt from the laws of
the State of California and exempt from the authority of the Commissioner. However, the
authority of the Commissioner is codified in Financial Code §23005 which states in part:
No person shall offer, originate, or make a deferred deposit transaction, arrange a
deferred deposit transaction for a deferred deposit originator, act as an agent for a
deferred deposit originator, or assist a deferred deposit originator in the
origination of a deferred deposit transaction without first obtaining a license from
the commissioner and complying with the provisions of this division.
The term “person” as defined by Financial Code §23001(e) includes “an individual, a
corporation, a partnership, a limited liability company . . . .” Sonic Payday Limited is a limited
liability company, although licensed in the country of Ireland. There is no exemption for offers
or transactions conducted over the internet.
9. There is no evidence that any application has been submitted, or a bond obtained.
No CDDTL license has ever been issued to Joanne Turner or Sonic Payday Limited.
Notwithstanding numerous notifications regarding the licensure requirement, Joanne Turner and
Sonic Payday Limited willfully and knowingly continue to engage in deferred deposit business
without a license from the Commissioner.
By reason of the foregoing, JOANNE TURNER and SONIC PAYDAY LIMITED aka
SONIC PAYDAY, LTD. have engaged in the business of deferred deposit transactions without
having first obtained a license from the Commissioner in violation of California Financial Code
section 23005.
Pursuant to California Financial Code section 23050, JOANNE TURNER and SONIC
PAYDAY LIMITED aka SONIC PAYDAY, LTD. are hereby ordered to desist and refrain from
engaging in the business of deferred deposit transactions in the State of California without first
obtaining a license from the Commissioner, or otherwise being exempt. This Order is necessary,
in the public interest, for the protection of consumers and is consistent with the purposes, policies
and provisions of the California Deferred Deposit Transaction Law. This order shall remain in
full force and effect until further order of the Commissioner.
California Financial Code section 23050 provides in pertinent part:
Whenever, in the opinion of the commissioner, any person is engaged in
the business of deferred deposit transactions, as defined in this division,
without a license from the commissioner . . . the commissioner may order
that person or licensee to desist and to refrain from engaging in the
business . . .. If, within 30 days, after the order is served, a written request
for a hearing is filed and no hearing is held within 30 days thereafter, the
order is rescinded.
Dated: May 10, 2006
Los Angeles, CA
WAYNE STRUMPFER
Acting Corporations Commissioner
By
Steven C. Thompson
Special Administrator
California Deferred Deposit Transaction Law

Lucky California residents, wish that would happen everywhere!

Sue

http://www.corp.ca.gov/enf/info/dr/06pdf/sonic.pdf

Hello to all!!!!!!!! I have been reading all of the blurbs that everyone has been writing up and I am also in the same boat as everyone. I got caught up in the loan shark circle and just finally thought I got all but two paid off. I have been getting threatining phone calls from two different people regarding some other payday loan places that I suppposively owe 1470.00 to and I have never even heard of them. My brother is helping me with a lawyer for that because I have gotten other phone calls in the past then they wait a couple of months and try and call again. Now I got a collection agency notice in the mail from Sonic payday for over 400.00 with Universal Fidelty on 08/09/2006. I honestly do owe them this money I tried to work things out in the past with them but like everyone else who has dealt with them they just do not care and are not willing to work with you. Now ecare called me at work about 3 months ago and I did make arrangements with them but a family emergency came up and I had to default on that also. Now with getting this collection notice I dont know what I should do I really do not have the money now to pay it right a way but I might in a month. Or should I wait until I talk to my brothers lawyer???? Just wondering what you all think. Oh I live in Taylor, Michigan. Any body willing to shoot some advice my way I would appreciate it. My email is email address removed as per forum rules - Mike. Thanks again and I am glad to know I am not alone!!!!!!

[Not so Lucky]

great find Sue. It goes to show that all of our complaints are finally being heard against Sonic.

[finsfan13]

Michgal,
Register with the site, we'd be glad to help you.

Candace,
Your revocation letter is great, but we can't get it to Sonic for you. You must send that by certified mail, and make sure you include the date, your account number with the company, and you must sign it.

[jake24175]

Does anyone know exactly where to send the letter to? I'd like to send the 'wage assignment revocation' letter and a 'do not call' letter at the same time.

Any help would be greatly appreciated.

(I'll admit, I'm scared as heck.)

[jake24175]

Do you think that Sonic will contact my employer if I send them the revocation and do not call letter first? (if they do, they're violating the fdcpa)

I'll also send a copy to the payroll dept. They can say 'assignment' but a garnishment must be trhough the court. (I'm going to revoke the wage assignment)

In my state, wages cannot be garnished with a judgment from the court. A company can't just send a letter to an employer and ask that payment be taken out of wages.

PRLDirect.com is a ripoff payday loan company. They charge horrendous fees, harass and garnish checks without notification. They have done one thing right though and that is to deter me from seeking another payday loan.

I am located in California. My check was garnished and I received no notice. I got my check and it provided total amount garnished. PRLDirect.com needs to be run out of business. They are having a fields day with desperate people needing money for emergencies.

[kscornell]

Hey Honey,
I am also in California. Did they have a court order to do it and are they licensed in CA? Are they internet?
I went to the State Dept of Corporations web site and found out the following: You legally can only have one PDL in CA at a time, and the max they can charge in interest is 15 percent of the total loan--which is why all the storefronts here always charge $45 in fees on a $300 loan. If they charged you more than that (and I'm sure they did, the douchebags!), you might be able to go after them.
Keep us posted!

Spam deleted - Mike

[kscornell]

Spam Alert: Check the prior post!! How do these people get in here?

Hello Everyone So I work for the Comapny that deals with sonic ave the company that actually process all the paper work for your loans and yea for the wage assingment you signed it say that if you default on your loan the company has every right to garnish your wages and for everyone that is complaning about the NSF charge take the loan out so that your repayment date is for the day after your payday and if anyone else has a problem with them loan with cashtransfercenters.com

[finsfan13]

Guest..

Yes, every person who takes a loan with Sonic does volunarily sign a wage assignment permission slip (whether they know they do or not). But....Since the mid-eighties anyone has the right to revoke any wage assignment for any consumer debt that is not court ordered.

My job is to file these viscious attempts at collecting debts, as well as garnishments, which I have more sympathy for. Don't you think it would be more benefitial for you to work out a payment plan? More and more people are becoming aware of their rights where wage assignments are concerned..It seems like a tremendous waste of time to collect this way.