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Posted: Mon Jul 21, 2008 5:04 am Subject:

Are they members of the CFSA? I think we established they are?? Shoot an email to: cfsa(at)multistate.com and tell them what this company is suggesting, make sure you put in the subject line, "Time sensitive Mail" so they will answer it promptly!

FRED LAS VEGAS · Posted: Mon Jul 21, 2008 5:19 am Subject: RE: PAYDAY LOAN

THANK YOU SHAZZERS FOR YOUR VALUEABLE ADVISE. I WILL EMAIL THEM RIGHT AWAY.

FRED LAS VEGAS · Posted: Mon Jul 21, 2008 4:39 pm Subject: re: payday loan

PER YOUR INSTRUCTIONS AND WITH SPECIAL WORDING "TIME SENSITIVE MAIL" I NEVER RECEIVED RESPONSE BACK SO FAR.....I WONDER WHO SUPERVISE THE SUPERVISOR ???????
THANKS ANYWAY. I WILL TAKE THIS ISSUE HEAD ON. WISH ME GOOD LUCK.

Posted: Mon Jul 21, 2008 6:16 pm Subject:

Good luck Fred and keep us posted. You should sign up as a member...we could use your sense of humor:)

Posted: Mon Jul 21, 2008 6:23 pm Subject:

If they are CFSA members, the PDL knows good and well a customer needs to envoke the EPP before loan default. I am sure you are not the first customer who has defaulted on a loan or even entered an EPP. If the loan is in default status, a full payment will be required. If they are saying you need to envoke EPP after loan default that is against CFSA policy. I would bring a printout of the CFSA policy to PDL location and show them. Who's to say they won't change their minds after you have defaulted Rolling Eyes

That is bad business to me, and a little risky Sad

Godd Luck! I will post CFSA EPP link so you can read it.

http://www.cfsa.net/public_education_campaign/guidelines/guidelines_ex tended_payment_plans.html

FRED LAS VEGAS · Posted: Tue Jul 22, 2008 5:46 pm Subject: RE: PAYDAY LOAN

WELL, I WENT BACK AGAIN TODAY AND OFCOURSE WITH MY TAPE RECORDER AND ADVISE AND PRINTED PDL FILE FROM ANYAROBERTS, AND I DID POINT IT OUT TO HER ABOUT THE RIGHT THAT I HAVE AND AS A CFSA MEMBER THEY SHOULD HONOR THIS 4 EQUAL EPP PAYMENT PLAN....THEY TOLD ME THAT THEY GO BY WITH NEVADA PAYMENT PLAN ONCE CHECK COMES BACK FROM MY BANK AS NSF. I ASK HER IF SHE ABIDE BY CFSA RULES AND REGULATIONS AND AGREEMENT AND SHE TOLD ME BLUNTLY THAT SHE IS A MEMBER OF CFSA BUT SHE DONT HAVE TO GO WITH THEIR AGREEMENT AND SHE GO BY WITH NEVADA PAYMENT PLAN. I DID NOT ARGUE WITH HER VERY MUCH BECAUSE I KNOW I ALREADYY ASKED HER ON 3 DRIFFERENT TIME ON 3 DIFFERENT DAYS AND I KNOW THAT SHE WONT BUDGE.
SO THERE YOU GO !
STAY TUNE FOR NEXT EPISODE...DONT KNOW WHAT TOMORROW BRINGS.

Posted: Wed Jul 23, 2008 6:51 am Subject:

Well, if she admitted they are a member, but did not have to abide by the CFSA Best Practices, then they have violated those rules, and should have their membership jerked from them. If I were you Fred, I would send another email to the CFSA, and in the subject line, type; Complaint for violation,
then I would explain what happened when you went in to ask them for the EPP, and make sure you explain how she said they did NOT follow those guidelines set forth by the CFSA! They [this pdl company in question] should have their membership taken away!

Posted: Wed Jul 23, 2008 6:53 am Subject:

By the way, don't give up, keep pushing for an answer from the CFSA, email them over and over again if you have to, sooner or later they will see that you mean business! Very Happy

Posted: Wed Jul 23, 2008 8:53 am Subject:

So what happened with this PDL, Fred? I think your payment was due yesterday, and it looks like you weren't able to get anything resolved with them prior to then.

Posted: Wed Jul 23, 2008 9:23 am Subject:

That is total BS Fred Evil or Very Mad

Guest · Posted: Wed Jul 23, 2008 4:59 pm Subject:

ANSWER TO: alias1958
I GUESS I AM WAITING FOR THE CHECK TO GO TO MY ACCOUNT AND BOUNCE AS NSF. THEN I WANT TO SEE IF THEY MAKE MY LIFE HELL IF THEY SAY WHAT THEY SUGGESSTED TO DO AS NEVADA PAYMENT PLAN. LET THEM TAKE ME TO DA's OFFICE. LET THEM SUE ME....I WILL FIND A GOOD ATTORNEY TO GO AFTER THEM IF THEY MAKE MY LIFE HELL.

ANSWER TO SHAZZERS: I SENT COMPLAINT TO CFSA I THINK THATS ENOUGH. LET THESE PEOPLE MAKE MY LIF HELL THEN ONLY I WILL TAKE A U TURN AND SEE THIS LENDER IN COURT. THERE ARE LOT OF ATTORNIES WHO WILL TAKE THIS CASE IN A HEARBEAT.

ANSWER TO anyaroberts: I KNOW THIS IS BS BUT WHAT CAN I DO.......I AM LOOKING FOR A LOOPHOLE FOR THEM TO SLIP AND FALL AND ONCE THEY DO THAT THEN I WILL SEE THEM IN COURT....IT IS ALL DEPEND HOW THIS SITUATION IS GOING TO TURN OUT TO BE.

Posted: Wed Jul 23, 2008 6:52 pm Subject:

Do keep us posted Fred...I hope everything works out the way it should:) Good luck. Laughing

FRED LAS VEGAS · Posted: Sun Jul 27, 2008 4:57 am Subject: RE: PAYDAY LOAN...............UPDATE

CASH-1 DEPOSITED MY PRE WRITTEN CHECK WHICH HIT MY BANK ON SAT. WITH $29.00 NSF FEE CHARGED BY MY BANK TO ME. PLUS $25.00 NSF FEE WILL BE CHARGED BY CASH-1 PEOPLE.

Posted: Sun Jul 27, 2008 6:41 am Subject:

I'm really sorry this is happening to you Fred, are they going to offer you the EPP now, or are they still stalling? Mad

FRED LAS VEGAS · Posted: Sun Jul 27, 2008 5:05 pm Subject: RE: PAYDAY LOAN...............UPDATE

WHATEVER THEY ARE UPTO WE WILL FIND OUT THIS WEEK. I WANT THEM TO GIVE IT THEIR BEST SHOT AND AFTER THEY ARE ALL DONE THEN IT WILL BE MY TURN UNLESS THEY LET ME DO EPP. IF NOT THEN I HAVE TO GO TO PLAN B. AND THEY BETTER NOT SEND THIS CHECK AGAIN TO MY BANK FOR ANOTHER NSF FEE OR THEY BETTER NOT SEND THIS CHECK ON DIRECT DEPOSIT DAY. THEY WILL BE REAL SORRY IF THEY DID THAT.

FRED LAS VEGAS · Posted: Fri Aug 01, 2008 4:58 am Subject: PAYDAY LOAN

CASH-1 WENT AHEAD AND SUBMIT MY PRE-WRITTEN CHECK TO MY BANK FOR 472.00 PLUS 25.00 FOR NSF TODAY WHICH MAKES $497.00....THIS WILL TAKE AWAY MY RENT MONEY. I SENT A NOTE/EMAIL TO MY BANK FOR STOP PAYMENT (WHICH WILL COST ME 29.00 IN THIS HARD TIME) FOR THIS CHECK. THINGS ARE GOING OPPOSITE DIRECTION FOR ME. JUST YESTERDAY I WENT TO CASH-1 AND THEY TOLD ME IT IS OK FOR ME TO DO SUPPOSEDLY NEVADA EXTENDED PLAN AND THEY WANT ME TO COME TO THIS OFFICE TO DO A CONTRACT TO PAY 5 PAYMENTS OF 99.50 PER PAYDAY STATRING 8/1/08 FRIDAY.
TODAY I HAD TO PAY MY RENT AND 2 DIFFERENT CASH PAYDAY LOAN PAYMENTS. THIS PUT ME DEFINATELY BEHIND EIGHT BALL BIG TIME.

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