I just got off speaking with them through their live help link.
This is what I got.
Chat InformationPlease wait for a site operator to respond.
Chat InformationYou are now chatting with 'Ada'
Ada: Good evening, thank you for visiting Customer Care. How may I help you?
Molly Sommers: Is this PRLDirect?
Ada: We are a call center, dealing with a number of loaning company.
Ada: In order to assist you better, may I have your first and last name along with your social security number please?
Molly Sommers: Don't you mean payday loan companies?
Ada: That is right, payday loaning companies.
Molly Sommers: Are these companies legal?
Ada: Yes, they are.
Molly Sommers: In both Canada and US?
Ada: We don't have any business with Canada at this time.
Molly Sommers: If I were to get a loan, where would my legal obligations lie? Would they be based on state where I reside or where the loan was taken from, i.e. Malta, Ireland, Canada?
Molly Sommers: Is this call center based out of Surrey, B.C. or Winnipeg, MB?
Ada: In order to assist you better, may I have your first and last name along with your social security number please?
Molly Sommers: Can you not answer my questions?
Ada: Ms. Sommers, for me to be able to give your accurate information, I will need to pull out your file first.
Molly Sommers: You don't need to pull my file to answer these 3 questions.
Ada: I won't be able to disclose any information, not unless I verified that your are one of our customers.
Molly Sommers: Why, I would like to be a customer but first I would like to know what my rights are and the legal rights.
Molly Sommers: Is anyone there?
Ada: I won't be able to disclose any information with out a social security number.
Molly Sommers: Look, if you want my business, I have the legal right to ask these questions. If you don't want to answer them, then that tells me that your operation is a scam outfit and you have something to hide. The questions are general legal questions not specific ones.
Molly Sommers: I do know that in Canada, you have a privacy law, but that refers to a specific individual, not generalities.
Ada: Ms. Sommers, unfortunately since you are not wiling to release your social security number with us, I won't be able to disclose any accurate in formation with you at this time.
Ada: I will have to end this chat, if you are still not willing to disclose your social security number.
Molly Sommers: I don't have to disclose my SSN to have a general question answered.
Ada: Thank you for chatting with us. Have a great night!
Chat InformationChat session has been terminated by the site operator.
Just by this conversation, found out a few things:
1. In Canada, parent company is being investigated that is why they have closed Canadian operations.
2. This company is definitely a scam outfit.
3. They type in their answers that can be found in a book that they are given.
4. Shut this group down, E-Care contact centers.