harris, I pm'd you. Do you want to leave the Mutual Agreement posted? As volley stated her concern that the pdls may lurk on the site and see it. I did remove your name and any bank information. However, do you want to leave it?

No you can take it down. I just wanted you guys to see it because I wnated to make sure I didnt do the wrong thing again.

harris, I went ahead and just edited the agreement. So your post looks "funny" now; however, the post still remains but the agreement is gone.

okay so, Apple payday is telling me they dont have to go by the laws of Ky. They said "Please be advised that it is our position that the State of Kentucky or any of its entities has no jurisdiction over the company’s activities. The company operates under a Delaware Licensed Lender License. All loan applications are received by the company in Delaware. The loan decisions are made in Delaware. Loan contracts are accepted by the company in Delaware. Loan proceeds are disbursed from Delaware from an account at a Delaware bank. Payments are received in Delaware. The Company’s loan agreement states it is governed by Delaware law and applicable federal law. The company has no employees or agents in Kentucky. The company does no direct advertising in Kentucky or to Kentucky residents.

Additionally, we did not solicit your business. You contacted us over the internet using a search engine. I do hope this clears up any misinterpretation you might have had."

Where do I go from here? Today I had a notice in the mail that I have a certified letter at the post office, but I am scared of what this might be since it has also been quiet with Cash Express and I am afraid it is a civil summons or something like that from them. I filed a complaint with CFSA and they sent me a letter saying that they are investigating, then I received a letter from Cash Express saying I was seriously past due and payment in full is required, but that is it.

harris, okay, Apple Payday can kiss your butt. I'm just being blunt here. No, you do not abide by the laws of Delaware. You are a resident of Kentucky. The debits were taken from your account in Kentucky. They transacted business in the state of Kentucky. Kentucky has deemed internet lending to be illegal. Sorry about their luck. I've gotten a million letters from pdls telling me that "their" law governs the contract. No. You are a Kentucky resident. The bank transactions were at a Kentucky bank. They were doing business illegally in Kentucky. Plain and simple. You're going to have to respond (again) with your state laws and remind them that you are not bound by the law of Delaware. Yes, they're going to play this game with you.However, please take it from me. They are full of it. You're not "confused" as they state. They are operating illegally to a Kentucky resident. Period. Now Cash Express, that's another internet loan, correct? Or is that a storefront?

storefront. They refuse to take a payment arrangement.

I forgot to mention cash transfer centers sent me a warning letter saying I had to make payment in full and Friday is the deadline.

harris, okay. First off - Cash Transfer Centers - did you send them a letter revoking any wage assignment you signed with them? Please tell me you have already done this. Answer this and we're going to move on to Cash Express, okay?

yes I did

Great! Cash Transfer Centers can kiss your butt. They are so illegal, I can't even laugh about it. I've dealt with them, too.

Okay, Cash Express. I just double checked to be sure. Cash Express is a member of the CFSA. They have to offer you the EPP. Have you contacted them at all regarding your loan? You said they refuse to take payment arrangements. Did you call the store manager and tell them you are unable to pay in full and must make payments? If so, what exactly did they tell you?

yes I did and she said they dont take arrangements anymore. I have to pay in full or go to small claims court.

Which Cash Express is this? They are members of the CFSA. This means you can go in there and tell them you need the EPP. They are supposed to give you the EPP. You can invoke the EPP one time per year per storefront. When is it due?

it was due two weeks ago now. I called them and went to see them as soon as it was due and told them my story and asked for payment arrangements. the store manager said no way, they are sorry about my situation but no way could they ever take payment arrangements i will have to pay in full or face court

cash express shelbyville

harris, here's what you can do. I realize that it's already past your due date. To invoke the EPP, you have to do it before the due date. However, you can look up Cash Express on the BBB site. It will give you the main office information. Call them/email them. Ask them if they are indeed a member of the CFSA. They will most likely tell you yes. Tell them what happened. That you went on your due date, you asked to be set up on payments and you were refused by the manager. They will probably then give you the regional manager of Kentucky's phone number. Call the number. Tell the regional manager what's going on. I did this. The regional manager called the storefront and spoke with the manager and asked what the heck was going on. Long story short, the store manager now has a complaint filed against him (this is a different store front than yours) and I was told by the regional manager to go in and tell them I need to invoke the EPP. They called the manager (who was scolded) and he said "yes" and I got the EPP. Now, yours is already past the due date. However, if they are indeed a member of the CFSA, you should have been able to invoke the EPP when you went in or at the very least they should have informed you of it. Please give this a try. And I don't know exactly how Cash Express handles their checks, but I do know that in Kentucky, the majority will send you to corporate/collections before taking you to court. If you get sent to corporate/collections, they will make payment arrangements with you. However, I would really like for you to at least try to contact the regional manager of the storefront and let them know what's going on. They know if the manager is doing "wrong". And they will call her. You can also file a complaint with the CFSA regarding this storefront. I actually filed my complaint with the corporate office of the storefront. I do plan on filing a complaint with the CFSA regarding the storefront though. Please try calling the regional manager. I just went to the BBB site and looked up my storefront and got the information off there. I called first and asked if they were members and was told yes. Then I emailed the regional manager and asked the same question and told my situation. That got the ball rolling.

I see now you posted the Shelbyville store. If you aren't comfortable calling, I will call for you tomorrow and ask these questions. I have no problem calling and asking questions!