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 Posted: Tue Aug 26, 2008 10:03 am Subject: |
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That is correct.
Really, the only requirement for a legal wage assignment in PA is that if you are married your spouse signs.
But, regardless, it can still be revoked.
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goudah2424
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| Posted: Tue Aug 26, 2008 10:35 am Subject: |
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Are you receiving the wage assignment from Cash Transfer Center?
If so, they are not legal or licensed to lend any where in the US.
Did you threaten them enough?
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kak213
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| Posted: Tue Aug 26, 2008 10:42 am Subject: |
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I have sent the revocation of the wage assignment letter to CTC, and a couple other loan places; when I sent up to my corporate office, they said I cannot revoke the assignment AFTER I defaulted, and they would have to honor any request that came in. Apparently, they have done this before, because the Payroll person told me that the pdl's sometimes go after the loan plus 100 percent, and encouraged me to make payment arrangements.
How should I handle?
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| Posted: Tue Aug 26, 2008 10:46 am Subject: |
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| Quote: | | Did you threaten them enough? |
Do not threaten any company. Do not say things like "If you don't mark my loan paid in full I will file a complaint against you." It's called extortion, and will get you into far more trouble then you're in now. You can't threaten them with anything.
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How I make some extra cash
I earn at least $20 extra every month doing offers. And you don't have to pay a cent.
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goudah2424
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| Posted: Tue Aug 26, 2008 11:46 am Subject: |
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I would make arragnements! you really don't want them going afer your paycheck.
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guestinpa
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| Posted: Tue Aug 26, 2008 11:58 am Subject: |
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Cash Transfer Centers refuse to make payment arrangements.
They are illegal...I guess I need to prove to my payroll Dept that they are not liscensed anywhere in the US, so that the loan is not legal in PA.
Does anyone know where I can get info about PDL companies, if they are liscensed or not?
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haven228
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| Posted: Tue Aug 26, 2008 12:56 pm Subject: |
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It would be on each state's DFI . . . . It isn't going to say they are not licensed, they just won't show.
I'd suggest first calling the PA Dept of Banking. They may have some advice on how to get your employer to not honor the wage assignment.
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How I make some extra cash
I earn at least $20 extra every month doing offers. And you don't have to pay a cent.
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goudah2424
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| Posted: Wed Aug 27, 2008 8:23 am Subject: |
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Did CTC already send in the wage assignment request?
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guestinPA
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| Posted: Sun Sep 07, 2008 9:58 pm Subject: |
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I think you're all missing the correct way of dealing with the payroll company. I would do this:
1. Politely inform the payroll company of the fact that Cash Transfer Centers is not licensed to do business in your state.
2. In the same conversation, politely ask your payroll company to request a copy of the business license from Cash Transfer Centers (along with their wage assignment request) that allows them to do business in your state.
3. Smile when Cash Transfer Centers can't produce the business license.
Problem solved.
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Guest from PDL Assistance
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| Posted: Mon Sep 08, 2008 7:08 am Subject: |
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What do you do when a company like Tremont sends not only a wage assignment but also a court order from a small claims court in South Dakota?
What do you do when the pdl sens a wage assignment that's written to look like a court order to the untrained eye?
What do you do if you're not lucky enough to live in a state like Pennsylvania where it's illegal for the employer to honor a wage assignment unless it fits into a a very narrow set of exceptions?
What do you do when your employer decides it's not worth it to him/her to pay their attorney a couple of hundred bucks to tell them whether they are required to honor it?
Smile?
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FreakyFriday
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| Posted: Mon Sep 08, 2008 11:43 am Subject: |
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no license=no payment(accept for the orginial amount borrowed)
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wssu91
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| Posted: Mon Sep 08, 2008 5:34 pm Subject: |
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Here's what I find when I look up Pennsylvania law on wage assignments:
43 P.S. § 271: No assignment of future wages payable semi-monthly, under the provisions of this act, shall be valid, nor shall any agreement be valid that relieves the said firms, individuals, corporations or associations from the obligation to pay semi-monthly, and in the lawful money of the United States.
43 P.S. § 273: No assignment of, or order for, wages or salary to be earned in the future, to secure a loan, shall be valid against the employer of the person making said assignment or order, unless said assignment or order is accepted, in writing, by the employer.
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