| Message |
Author |
 Posted: Fri Apr 28, 2006 9:18 am Subject: Refund letter from Quikpayday! |
|
|
yes I did and I expected as much.. in essence they are settling your claim without admitting guilt.. which means that they feel its better to settle than fight in otherwords they know their legal position.
_________________
Life is a journey down a road filled with many twists, truns and forks. the destination is not important... the journey is what makes life precious.
|
|
jj
Moderator
Joined: 24 Oct 2005
Posts: 1044
Location: Washington State Debtcc Points: 8585
|
|
|
| Posted: Fri Apr 28, 2006 9:19 am Subject: |
|
|
Good job Dana, that is a lot nicer than the letter I got yesterday and no I did not get a refund. What a happy day for you! 
Hey I revised by UCL letter, let me know if you want to see it - have you heard from them?
_________________
Ability is what you're capable of doing. Motivation determines what you do. Attitude determines how well you do it. - Lou Holtz
|
|
CycloneFan
Joined: 05 Dec 2005
Posts: 1186
Debtcc Points: 18720
|
|
|
| Posted: Fri Apr 28, 2006 9:20 am Subject: |
|
|
Weird, how'd my post get ahead of yours???
_________________
Ability is what you're capable of doing. Motivation determines what you do. Attitude determines how well you do it. - Lou Holtz
|
|
CycloneFan
Joined: 05 Dec 2005
Posts: 1186
Debtcc Points: 18720
|
|
|
| Posted: Fri Apr 28, 2006 9:21 am Subject: Refund letter from Quikpayday! |
|
|
I received an email from Quikpayday today. The letter they attached stated that they are sending me a refund and marking the loan paid in full. Yeah!! I can pay off the dentist office lol.
They sent it as a pdf attachment, but here is the text of it:
| Quote: | We are in receipt of your recent email alleging that we have violated Virginia law. As you are aware, we disclose numerous times on our website, through our application process and in each of our loan agreements, that our relationship is governed by Ohio law.
We have no facility, offices or employees in the state of Virginia, thus we have no "presence" in Virginia and do not fall under their jurisdiction for licensing.
At all times during operation, Quik Payday has been licensed, governed by and compliant with the laws of the state of Utah. You, as a consumer, consented to the factthat our contractual relationship would be governed by Utah law. Furthermore, you were informed that if you did not want our transaction to be governed by Utah law that you should seek a loan elsewhere.
Obviously, you have become accustom to our high level of customer satisfaction and it is our desire to resolve this matter as quickly and amicably as possible. Enclosed with this letter is a check for $880 to settle this matter. Your endorsement of the check shall constitute full and complete release of any and all claims you may have against Quik Payday arising from any loan or finance charge you paid to Quik Payday. Quik Payday has made no negative credit reports to any of the three credit bureaus.
Sincerely,
Quik Payday |
So I think we've all got them running. Did anyone else get a comment about not holding Quikpayday liable for anything else?
Dana
|
|
set4sail
Joined: 03 Jun 2005
Posts: 418
Debtcc Points: 7618
|
|
|
| Posted: Fri Apr 28, 2006 9:25 am Subject: |
|
|
Wow, it happened again. What the heck??? 
_________________
Ability is what you're capable of doing. Motivation determines what you do. Attitude determines how well you do it. - Lou Holtz
|
|
CycloneFan
Joined: 05 Dec 2005
Posts: 1186
Debtcc Points: 18720
|
|
|
| Posted: Fri Apr 28, 2006 9:28 am Subject: |
|
|
That is the same letter I got from Quik Payday. They didn't give a refund, but the account is marked paid in full and do not loan status.
|
|
NotsoLucky
Joined: 02 Nov 2005
Posts: 3164
Debtcc Points: 45646
|
|
|
| Posted: Fri Apr 28, 2006 9:31 am Subject: |
|
|
lol jj you read my mind!
I would bet they looked at the big picture, and don't want another Colorado-sized lawsuit on their hands. Better to deal with a few, than repay every resident of a state.
|
|
set4sail
Joined: 03 Jun 2005
Posts: 418
Debtcc Points: 7618
|
|
|
| Posted: Fri Apr 28, 2006 9:35 am Subject: |
|
|
Sue, UCL forgave my loans (UCL and One Click) last month. They were the first one I bombarded. I slacked off on following up with Quikpayday.
It leaves one pdl that hasn't been forgiven, but they dropped the balance owed to $400 (from $930) so I'm trying to decide what I want to do about that. I'm probably the only one here that has borrowed from them since it is a military-only lender.
|
|
set4sail
Joined: 03 Jun 2005
Posts: 418
Debtcc Points: 7618
|
|
|
| Posted: Fri Apr 28, 2006 9:40 am Subject: |
|
|
Ok, it is the same letter but mine isn't as nice because I didn't get a refund  ... Way to go Dana!!
_________________
Ability is what you're capable of doing. Motivation determines what you do. Attitude determines how well you do it. - Lou Holtz
|
|
CycloneFan
Joined: 05 Dec 2005
Posts: 1186
Debtcc Points: 18720
|
|
|
| Posted: Fri Apr 28, 2006 9:41 am Subject: |
|
|
Wow,thats great Dana,Quickpayday is one of my payday loans that I had already paid off,I didnt know my rights then,a refund would have been nice.
_________________
"No amount of time can erase the memory of a good cat, and no amount of masking tape can ever totally remove his fur from your couch." Leo Dworken
|
|
twokidtwocat
Joined: 31 Jul 2005
Posts: 628
Debtcc Points: 37777
|
|
|
| Posted: Fri Apr 28, 2006 9:41 am Subject: |
|
|
Tammy, so they are using a standard letter for the responses, just changing the state? lol like a reversal of the letters we are all sending.
I don't know why some companies will forgive loans, some will refund, etc for one person, but not for others. Maybe it's based on how many times a person borrowed, so how much they overpaid?? There are some people that are still waiting for a pdl to forgive loans, even after following the same steps we have used.
|
|
set4sail
Joined: 03 Jun 2005
Posts: 418
Debtcc Points: 7618
|
|
|
| Posted: Fri Apr 28, 2006 9:42 am Subject: |
|
|
I guess they are. I have been trying to post my letter, but they sent it in acrobat reader. They just changed the states.
Sue, did your letter say the same thing?[/quote]
|
|
NotsoLucky
Joined: 02 Nov 2005
Posts: 3164
Debtcc Points: 45646
|
|
|
| Posted: Fri Apr 28, 2006 9:47 am Subject: |
|
|
Dana, my UCL letter is 6 pages now.
_________________
Ability is what you're capable of doing. Motivation determines what you do. Attitude determines how well you do it. - Lou Holtz
|
|
CycloneFan
Joined: 05 Dec 2005
Posts: 1186
Debtcc Points: 18720
|
|
|
| Posted: Fri Apr 28, 2006 9:48 am Subject: |
|
|
Why are the posts jumping around?
|
|
NotsoLucky
Joined: 02 Nov 2005
Posts: 3164
Debtcc Points: 45646
|
|
|
| Posted: Fri Apr 28, 2006 9:50 am Subject: |
|
|
What the heck, my time is behind now all of a sudden so you guys need to read backwards or something.
Tammy my letter did say the same thing but no refund.
_________________
Ability is what you're capable of doing. Motivation determines what you do. Attitude determines how well you do it. - Lou Holtz
|
|
CycloneFan
Joined: 05 Dec 2005
Posts: 1186
Debtcc Points: 18720
|
|
|
| Posted: Fri Apr 28, 2006 9:52 am Subject: |
|
|
Hey Dana look you can't post ahead of me, you're always behind, it's making me dizzy!! 
_________________
Ability is what you're capable of doing. Motivation determines what you do. Attitude determines how well you do it. - Lou Holtz
|
|
CycloneFan
Joined: 05 Dec 2005
Posts: 1186
Debtcc Points: 18720
|
|
|
