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Posted: Thu Aug 18, 2005 6:20 am Subject:

I dealt with Sonic. Last I heard from them (Mr. BAINS), they said they were going to come and arrest me (sound familiar?). Hate them!

Ah, and everytime I asked for their address, they gave me a new one everytime...

Posted: Thu Aug 18, 2005 6:28 am Subject:

I'm not telling anyone NOT to pay on any debt that is due. But when a company makes it difficult for you to get in touch with anyone from corporate, it makes me suspicious. Plus I would much rather send a certified check, written out to sonic, sent to sonic. If it has to be that Dublin address, then fine. But I've sent 2 things there certified and they have been returned...signature refused.

Posted: Thu Aug 18, 2005 6:31 am Subject:

If it's been refused, then atleast you can't say you didn't try, right?
Tell Sonic if they can't give a valid address, then you can't send money, period.
You certainly haven't done anything wrong!

Posted: Thu Aug 18, 2005 6:43 am Subject:

I have several calls that were recorded. Explaining to them that the Dublin address is invalid, and that I have sent something to the "coproate office" located in Surrey, BC. It was petition to file lawsuit typed up by my lawyer student friend. I haven't filed anything yet, but of course I haven't heard anything back yet either. The letters were sent to David Ash, who is suppose to be the president.

So...as of right now, I haven't received any calls, or mail, or even my employer....I told them to call me first thing they hear of anyone calling them on such debt.

I will pay this debt, but only when I receive proper address to send certified. The balls in their court now. I'm just waiting for Yolanda Williams-Green to call me back.

Posted: Thu Aug 18, 2005 7:14 am Subject:

I really can't figure out the motive...handing out wrong addresses, and then when you ask for a correct address or something, they disappear...freakin' weird

Posted: Thu Aug 18, 2005 7:57 am Subject:

One of the mods said that wage assignments could be revoked. Can you tell me where I have a right to do that. I heard the FTC did away with it in 1985. But where do I find that they did that. Like isn't there a ..."according to sec.10, title VII, pursuiant to,"

that i can read off to sonic when they say that I don't have a right to do that???!?!?!?!?

Posted: Thu Aug 18, 2005 2:59 pm Subject:

I have heard that wage assignments can be revoked at consumers will. The revocation of a voluntary wage assignment has to be done in writing.

However, the rule of wage assignment does not prohibit garnishment. If a creditor has obtained a court judgment against the debtor, the creditors may continue to use wage garnishment in order to collect the judgment, subject to the consumer protections provided by the federal and state laws.

Posted: Fri Aug 19, 2005 9:58 am Subject:

I've done it in writing. But where can I tell them that I know it's illegal for them to accept my volantary wage "take back". They said I don't have a right to do that, and that's why I asked who knows this for a fact. What can I tell them that says I know it's a law that I have a right to do that.

WAGE ASSIGNMENTS:

A wage assignment � Creditors ask the consumers to sign a wage assignment during the time of the debt that was incurred or to secure an existing debt. Upon default, the creditor serves a demand on the consumer's employer for portion of his weekly wages to be deducted until the debt is paid off. The creditor does not have to acquire a court notice if the wage assignment is valid.

The power of revocation: the Federal trade Commission passed a rule in 1984 that a creditor is guilty of an unfair credit practice to make any consumer sign a wage assignment unless the agreement states that the assignment can be revoked at any time for any reason by the consumer. The consumer can cancel or rescind the wage assignment at any stage during the process. The consumer can send one written letter to the creditor stating the rule of the FTC.

If the creditor fails to put the required revocation language, it is a violation of the federal and the state law. The consumer can thus revoke the assignment or be able to stop any collection from his or her employer.

Posted: Fri Aug 19, 2005 10:27 am Subject:

thank so much. i just want to make sure i have my resources to back me up when they attempt to collect on through my employer, whom i've already told the situation to. hopefully this piece of information will help too. thanks again!

Posted: Fri Aug 19, 2005 3:19 pm Subject:

shortly after faxing my cease and decist letters, plus new address to send all correspondence too, i get a call from tiffany stone. pleasant as can be...she asked how i was and whathaveyou. i'm assuming she has no clues as to what the letters were about. all she remembered was the voicemail that i left two weeks ago, and her manager mentioning my name and about a fax. i told her that i am not allowed to speak with her, and the call nicely ended. she asked if i had sent anything certified, and she menetion the MD or maybe it was the NJ address. I said i had sent it there as well as the Surrey address and she said everything should be fine now.

Does this mean that the debt has been deleted, or I'll actually get a call from Mr. David Ash (the president). They can't turn it over to collection (my last installment of $148.) because i've made several efforts (even 3 that were recorded) of paying it back by certified check. they said they couldn't accept that, and when as asked to why? they said it was company police. I inquired about the policy and Ms. Green (Yolanda) just got even harsher.

What should I do if this appears on my credit report. Pay it off when the collection company. I'm starting to get a little confused about this process of what's coming up next, especially when Yolanda told me last week, that if I call back she's to be pulled out of a meeting or whatever immediately, called on her cell...and handle my call.

Posted: Fri Aug 19, 2005 3:52 pm Subject:

Hi mikeyindetroit

I will suggest you to check this account in your credit report. You will be sure about the latest standing and plan your moves accordingly.

Also, knowing the fact that an account has an adverse affect if it goes to the collections, try to settle the debt well in advance with the creditors.

Regards
Roxette

Posted: Fri Aug 19, 2005 4:37 pm Subject:

I'm not "not wanting to" pay it. I've just asked to pay it by certified check. They've ignored my request for the corporate address. (I've gotte my stuff sent back twice to the College-Dublin address.) I've consulted a tax attorney (law student friend) and he says that if I request to pay by certified check, that I have that option. Like once when I write a bounce check to a company, say my credit card....for two months I can't do any check by phones. I can write a check, send a certified one, or do a western union payment. He is saying that there should be other options when asked for. And especially whent he corporate address is being denied.

I've definately learned my lesson on doing the paycheck loan companies. I could of lived without the loan. This was for going out money. If I ever got that bad off...I could go get groceries from the Family Agency and ride the bus for free by getting tokens from the shelter.

But anyway....so I've got the money, to pay them off, but after hitting my account so many times when I requested them not to, and given them more than 10 days notice of not having the money and wanting to send it in certified, they continue to hit my account. I've changed the account, and got the cashiers check written out...I'm just waiting for the correct address.

I read a post on here that says someone sent in a certified check, and they didn't cash it. Do I get that money back after a certain time...and if so, does that mean I can say the agency/or sonic...cashed the check ...and the debt was cleared. Or will I have to resend it????

Posted: Fri Aug 19, 2005 5:06 pm Subject:

If the check is cashed by the agency, then your bank account will be showing this transaction. This is the necessary proof that will support your effort towards your payment.

Posted: Wed Aug 24, 2005 9:03 pm Subject: I wish I would have known

I am currently dealing with Sonic Payday myself. I just defaulted my loan with them a month ago and a gentleman by the name of Darrell Ryder is constantly contacting me. He is threatening to have my wages garnished and is unwilling to work with me with payment arrangements. How long did it take before they contacted your payroll department? Any helpo would be great!!!

Posted: Thu Aug 25, 2005 2:55 pm Subject:

Hi RYMDESYGN

Welcome to the forums. Please do not get tensed as long as you are willing to pay the debt. They won't take any legal action against you as it involves court costs and time.

They will try to intimidate you but you should enter into a proper negotiation with them. Most probably, they will accept it.

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