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#17
08-11-2007, 01:30 PM
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Ah, the question that opposes morality against legality. Here is my answer, which is usually not aligned with most members beliefs, but here goes: If you in fact come to realize that it is legal for you to not pay a dime back, then by all means, keep every last cent. If your legally not obligated to pay them back, then why reward a company operating illegally? Yes, this is the immoral route, but you won't be financially accountable. This is my position, and I feel that a consumer should make his or her mind up in accordance to their own beliefs. So, that is my stance; Don't pay back monay to a company that is not operating legally, if your state laws allow you to void it all togeather.
__________________
Where there are hard working people being harassed or threatened, I will be there. My site: http://anthonylemons.blogspot.com Avoid these Agencies: http://www.budhibbs.com/coll_to_avoid_list.htm Contact any government official here: http://www.congress.org/congressorg/home/ Contact any State Attorney General: http://www.naag.org/ Federal Trade Commission: http://www.ftc.gov/ 
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#18
08-11-2007, 03:15 PM
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I've always gone with paying back what is legally owed, according to the laws in your state, and not a penny more. I have taught my kids since they were old enough to understand: "don't concern yourself with what others do - concern yourself with what YOU do - and if YOU do the right thing, you won't need to be concerned at all".
In the end, I'm the one who has to deal with my own actions. __________________
A journey of a thousand miles begins with a single step...and becoming debt free is a journey!
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#19
08-11-2007, 04:52 PM
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I agree wtih SUEBEEHONEY70. I believe that this forum demonstrates that by paying what you owe and nothing more is the right direction to take. In not paying the principal amount borrowed, regardless if that IPDL is operating legally or not in your state, you may have a negative impact on those individuals who have have paid back their principal amount and have filed their complaints with the various agencies listed here in this forum. Most payday companies see these forums as a way for individuals to get out of paying their payday loan debt altogether. You do not want to give the payday loans companies a leg up by asserting that you borrowed the money and never had intentions of paying it back, which they would claim was whole basis for your complaints to the BBBs, the DFIs, and the AG's office, if you indeed filed complaints with these agencies. So if the members of this forum do not encourage members to pay back at least what they borrowed, then we are proving the payday loan allegation correct. I believe many individuals from this forum have worked diligently to pay back their loan principal and most have done that and then some. So I would encourage you to pay back at least what you initally borrowed and don't give the payday loan companies ammunition to use against other individuals who truly have been taken to the cleaner by these payday loan companies.
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#20
08-11-2007, 05:39 PM
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obligation
Okay, I'm throwing out my two cents here. Here's the deal - I can totally see where anthony is coming from. First of all, these companies are operating illegally and they know it. They're not stupid. They know what they're doing. They know they're lending in states where pdl's are not permitted. They know this. So if your state says you are not obligated to pay this debt, as it was an illegal debt, then legally you don't have to pay. So, if you feel as though your state law is on your side, the pdl is harrassing you, and you don't feel as though you want to pay, then you legally do not have to. You were not aware at the time that this was an illegal transaction. It's not like you got these loans thinking "ha, ha, I'm not paying." You didn't know the laws. On the flip side, I can see where everyone else is coming from. Because you did receive the funds in your account and you did use the funds. So, in order to "live with yourself" and not feel like some kind of thief, you want to pay back the amount they deposited into your account that you did use. So then pay that amount only. What it all boils down to is that it is YOUR decision. Either way, you're not going to get into trouble. It's just how you view the situation. And, as you can see, everyone has their own view on the whole issue. And it's great that everyone posts their opinion. That's why we're here. But in the end.... it's totally up to you as to which road you want to take. Just my two cents.........
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#21
08-12-2007, 06:41 AM
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I completely agree with you, Cannr. It is up to the individual in how to deal with an illegal company. I would never lose any sleep over hurting the feelings of crooked company owners. If I have one hundred dollars and I owe the electric company one hundred dollars, and I owe an illegal loan company one hundred dollars, the winner would be the electric company. Why? Well, the electric company is licensed both locally and federally, and have the authority to make me sit in a dark house for not paying. The illegal loan company has no authority to do anything to me if I refuse to pay them. So, if you borrowed money from an unlicensed loan company, either storefront or through the internet, you have the choice, morally, to repay them, but you are not obligated legally to repay them. I feel to repay an unlicensed company is to enable them to continue operating illegally, only to victimize more consumers.
The choice is yours to make, you and you alone. __________________
Where there are hard working people being harassed or threatened, I will be there. My site: http://anthonylemons.blogspot.com Avoid these Agencies: http://www.budhibbs.com/coll_to_avoid_list.htm Contact any government official here: http://www.congress.org/congressorg/home/ Contact any State Attorney General: http://www.naag.org/ Federal Trade Commission: http://www.ftc.gov/
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#22
08-12-2007, 06:58 AM
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anthony
anthony, excellent! I do so love the part about paying between the electric company and an illegal company. Now, honestly people, which would you choose? You're going to pay your bills! Now, we all tell everyone to pay their bills FIRST. That's what's most important, then to pay the pdl's. But, you gotta love anthony's comparison! anthony, you don't know how much I enjoy your posts.
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#23
08-12-2007, 07:07 AM
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It must be the coffee and cigarettes. Which I happen to be partaking in right now.
__________________
Where there are hard working people being harassed or threatened, I will be there. My site: http://anthonylemons.blogspot.com Avoid these Agencies: http://www.budhibbs.com/coll_to_avoid_list.htm Contact any government official here: http://www.congress.org/congressorg/home/ Contact any State Attorney General: http://www.naag.org/ Federal Trade Commission: http://www.ftc.gov/
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#25
08-12-2007, 07:14 AM
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I have always wondered about people who drink decaf coffee, what the hell is the point?
__________________
Where there are hard working people being harassed or threatened, I will be there. My site: http://anthonylemons.blogspot.com Avoid these Agencies: http://www.budhibbs.com/coll_to_avoid_list.htm Contact any government official here: http://www.congress.org/congressorg/home/ Contact any State Attorney General: http://www.naag.org/ Federal Trade Commission: http://www.ftc.gov/
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#27
08-12-2007, 07:21 AM
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I smoke marlboro lights most of the time, unless they have a two for one deal with another full flavor cig. I usually drink dark roast coffee or columbian.
__________________
Where there are hard working people being harassed or threatened, I will be there. My site: http://anthonylemons.blogspot.com Avoid these Agencies: http://www.budhibbs.com/coll_to_avoid_list.htm Contact any government official here: http://www.congress.org/congressorg/home/ Contact any State Attorney General: http://www.naag.org/ Federal Trade Commission: http://www.ftc.gov/
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#28
08-12-2007, 07:21 AM
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decaf allows you to drink more coffee than you would if it had caffine. I like decaf and regular, i like unleaded more than regular gas, i like sugar free better than sugar in it, who knows and who really cares....am i acting weird, to much decaf...lol, im so stupid.
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#29
08-12-2007, 07:22 AM
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I second the NO DECAF rule! It's all-caf or no coffee for me!
I agree with Anthony's post about paying either the electric company or the PDL - it's either/or - not both. If you have the money to pay one, and not the other, you sure as heck better be paying the electric company first - I know I sure wouldn't be sitting in the dark saying to myself, "well, at least my PDL is paid!" That would be the only exception to the "pay what you owe" idea - I guess I should amend it to say "pay what you owe AFTER your basic needs are met". __________________
A journey of a thousand miles begins with a single step...and becoming debt free is a journey!
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#30
08-12-2007, 07:22 AM
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Smoking with local hat on.
Me smoking and sitting next to some dude in South Korea. Click picture to enlarge.
__________________
Where there are hard working people being harassed or threatened, I will be there. My site: http://anthonylemons.blogspot.com Avoid these Agencies: http://www.budhibbs.com/coll_to_avoid_list.htm Contact any government official here: http://www.congress.org/congressorg/home/ Contact any State Attorney General: http://www.naag.org/ Federal Trade Commission: http://www.ftc.gov/
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#31
08-12-2007, 07:24 AM
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cool
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#32
08-12-2007, 07:24 AM
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very cool hat Anthony!
__________________
A journey of a thousand miles begins with a single step...and becoming debt free is a journey!
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