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HDV3902 · Posted: Tue May 22, 2007 11:24 am Subject:

How does this sound??? Also Can someone help me figure out how much I should have paid on the loan? I get confused evertime I try to figure it out.

No AJ, According to the Texas Attorney General’s office since I reside in Texas you have to follow the Texas Payday Loan Laws and you have to be licensed in Texas to do business with me. Which by the way they are not showing that SGQ is licensed in Texas so you in violation and I will be filing a complaint with them.

Posted: Tue May 22, 2007 11:52 am Subject:

Goudah, Leah - Once I find out if a company is/is not licensed in Florida, what actions can I take?

Posted: Tue May 22, 2007 12:04 pm Subject:

You can file complaints with your AG's office and dept of banking . . . . And write them letters requesting that your loans be marked paid in full (assuming you've paid what you legally owe).

Bublefan has had some very recent success in Florida, so I would do anything she recommends to.

Posted: Tue May 22, 2007 1:17 pm Subject:

Thank you - One other question that comes to mind - I have a loan with Cash Transfer Centers ($600, they will be attempting to debit $765 from my account on Friday) and Geneva Roth Corp. (for $300). I have not paid anything on these loans yet.

I do intend to pay them off what I legally owe, but Im closing my checking account in order to stop the actions of the 'companies' I have already paid off (see first post). Has anyone worked with CTC or Geneva Roth Corp? I'm wondering what the procedure will be in order to pay them off and find out what I legally owe them.

Posted: Tue May 22, 2007 1:25 pm Subject:

Both are the worst. You need to IMMEDIATELY send a Voluntary Wage Revocation Letter to CTC and your payroll department. Because CTC will attempt to garnish your paycheck for the full amount.

Posted: Tue May 22, 2007 1:29 pm Subject:

I had a loan with GFSIL too and I ended up paying over $1000 for a $200 loan. They are intimidating and will continue to take money from your account. They will even try under different names. Close your accont as soon as possible.

As far as Payday Ok, I had a loan with Payday Select (which is the same company) I paid them over 1200.00 on a $500.00 loan. I sent them a letter stating the laws of Florida and they marked me PIF and are sending me a refund.

Posted: Tue May 22, 2007 1:35 pm Subject:

Thanks Steelers1 - A few months ago I had a loan out with CTC before which I thought was going to be returned to them for NSF. On my 'due date' I 'chatted' with a 'representative' online and asked them what would happen if it came back NSF, they said it would be turned over to their collections department. Well, it went thru, overdrew my account but it was not returned to them. So I was able to take out another loan (yes, big mistake).
Will they attempt to garnish right away? I can probably have them paid off within a month.
I thought attempting to garnish wages was illegal in FL from a PDL? I could be mistaken..Ive tried to soak in a lot of this helpful info today but in between trying to look busy @ work and getting help with this PDL mess, its a bit overwhelming!

HDV3902 · Posted: Tue May 22, 2007 1:40 pm Subject:

How does this sound??? Also Can someone help me figure out how much I should have paid on the loan? I get confused evertime I try to figure it out.

No AJ, According to the Texas Attorney General’s office since I reside in Texas you have to follow the Texas Payday Loan Laws and you have to be licensed in Texas to do business with me. Which by the way they are not showing that SGQ is licensed in Texas so you in violation and I will be filing a complaint with them.

Posted: Tue May 22, 2007 8:20 pm Subject:

destinysjenny here, under a different login name. I'm trying to calculate my loans and I see that I took out a loan with GFS on 4/10 for $200. They have been debiting me every 2 weeks, but so has GFSIL. I have no record that I ever received a loan from GFSIL. Are GFS and GFSIL the same company??

Posted: Wed May 23, 2007 6:53 am Subject:

I beleive they are, but you can ask your bank if there is a phone number associated with the debit. There usually is. You can call them and get more information.

If the two companies are the same and have both been debiting every two weeks, you need to dispute the charges with your bank asap. They may be able to recover some of the funds for you. And going through the bank is a whole lot easier then trying to get a pdl to return your money! With GFSIL I'd say it would be downright impossible to get your money back!

Guest · Posted: Wed May 23, 2007 7:50 am Subject:

Thanks. GFS has already begun to call me here at work today for a payment of $40 that was returned last week. I do not want to speak to them just yet b/c I'm not exactly sure what to say, I'm still doing some reearch as to if GFS/GFSIL are the same company, b/c if they are, I have paid off my loan & then some.
Is there anything I can say to have them stop calling me at work? I have coworkers sitting around me and would really prefer not to have them harassing me at work. Embarassed

Posted: Wed May 23, 2007 7:59 am Subject:

You can send them a letter telling them not to contact you at work. But odds are they will not comply with it. I would just tell them each time they call that you can't get calls at work, then hang up. Or just hang up at the start. They call and harass you at work to try and embarrass you into paying. It can be hard to get them to stop.

Guest · Posted: Wed May 23, 2007 8:20 am Subject:

Goudah - I just reviewed some emails from GFS and realized they are indeed the same company GFSIL.
Sneaky snakes. My loan with them was for 200 taken out on 4/10. I have calculated that i have paid a total of $215 all together. What can I say if I call them/ write them in order for them to deem the account PIF? - Jenny

Guest · Posted: Wed May 23, 2007 9:12 am Subject:

I could only find 3 posts on the company ROVINGE but found a VERY helpful post from LEAH commenting that a company (I think Route 66) also does business under the name Rovinge and they are also GFSIL! I have 2 debits from ROVINGE on Friday the 18th, for $45 each.

I am on my way to close out my bank account right now. Does anyone have any advice on the action I should take against GFS/GFSIL/ROVINGE? Should I call and ask them why they are debiting my account under the name Rovinge? Ive already overpaid on the loan.

Thanks

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