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ahhrelief · Posted: Thu Apr 03, 2008 12:12 pm Subject:

Cannr,
Thank you so much for the information that you have provided. I did not have to call the corporate places, we got payment arrangements worked out with all but 2. Hometown is still being a royal @#*&(!!! and that no payments. So I guess we will be sent to a collection agency. And the other one is sending us to a collection agency. So I guess it gives us a chance to make payment arrangements. That woman at hometown is being really rude, asking why we cannot pay it, what is going on in our household and that we all have attitude problems. Is this legal the way she is talking to us?

Iamso mad · Posted: Thu Apr 03, 2008 2:45 pm Subject:

Ohh I am so mad. My parents could not close their account and the bank told them to stop payment until all of the checks cleared, well. the idiots at payday today went back to an old check from 2007 and deposited it. Now we cannot pay the mortage!! Or the car, or anything else. Forget about eating.. Don't we have any rights?

Itsmeagain · Posted: Thu Apr 03, 2008 4:31 pm Subject:

Boy, it just keeps getting better and better. We called Payday Today and asked them for a statement where my parents paid the check from 2007. The response? Nothing...only that she could call the county attorney and have them resolve it, by prosecuting us because its fraud. She also told me that the checks that were cashed were in a shred pile and that they got mixed up in the deposit pile. Yeah right, a check clear back from December of 2007? One that should have been shredded but wasn't. It was already paid for or else we would not have been able to continue getting loans from them. She kept saying that I should have known better and that by stopping payments on the checks that it is fraud and that the county attorney would love to hear about it. Then she informed me that we have over 20 cash advances even from the internet. This is insane!!! We do not have any of the net, the only time we used the internet to look for internet cash advances but never used them because we knew we could not pay them back. She said something about infotracx or some kind of database that tells where you have advances from. My question is, do we have a right to go in and ask for a copy of where that check was already paid for? I have been in contact with the Iowa Division of Banking and he told me that it is not illegal to stop payment on a check and that it is not fraud. I am afraid if I contact the state auditor for this place that she will call the county attorney to have my parents arrested.

Posted: Thu Apr 03, 2008 5:48 pm Subject:

Okay, I have a question here. The check they deposited back from December 2007, I'm assuming was already paid for, correct? You went in and paid the loan off and rewrote, correct? If that's the case, then they're nabbed. They can not let you write another check until the prior one is paid in full. Them turning this check in from December 2007, and you've loaned from them since then, shows that they held on to that PAID loan check. Did you pay cash when you paid this one in December in full? Or did you just let them deposit it rather than picking it up? Do you remember? All I can say is that they are NABBED big time on this one. Like you even stated, you've loaned since then. If they had a check from friggin 3 months ago, you would not have been able to rewrite. You've got them. And they are accusing YOU of fraud? They turned a friggin check in that was already paid for! Do you remember if it was paid with cash or turned into the bank for deposit?

Itsmeagain2 · Posted: Thu Apr 03, 2008 7:19 pm Subject:

The check that they deposited was paid with cash. I remember going there with them myself and we paid with cash, then reborrowed again. She asked if we wanted it shredded and we said yeah. Her excuse is that it got mixed up in a pile of deposit checks ( 5 months later) and that there is nothing we can do about it.

Its Me Again 3 · Posted: Fri Apr 04, 2008 1:37 pm Subject:

Again, the threats continue. We went to Payday today to make a payment on my boyfriends loan. My parents asked the manager for something stating that the check they deposited from December was already paid for. Nope, nothing they could do. They just kept reminding them that there was a lot of people in default and that they have been turned over to the county attorney... When will it all end? It just seems like she is hanging this over our heads so we will not file a complaint on her. I know what she did is very wrong and she knows it as well. It makes me think that she deliberately keeps paid checks from her customers for 6 months just in case someone defaults on loan. Its just so odd that the checks that each of my parents wrote to them on the same day of December 3 2007, ended up in the same pile. I am just in shock, I cannot even sleep and my chest has been hurting for days...

Posted: Fri Apr 04, 2008 5:44 pm Subject:

What kind of horrible storefront is this? I know PDL companies can sink pretty low, but the things you are describing are just INSANE. I am just mortified that she took an old, already paid for check and cashed it. I know you said that you guys had told her to shred it rather than getting it back; all storefronts I have had PDLs with before have always turned around right there and shredded it right in front of me. I think you are correct in thinking she may purposely hang on to paid checks in case someone defaults, because at this point, she obviously will sink to any level.

When you originally pay back your loans, do you sign a document as a receipt? Not all PDL lenders do this, but some of my storefronts always did.

Its me again 4 · Posted: Fri Apr 04, 2008 6:32 pm Subject:

This is an absolute nightmare to be honest. At this particular PDL you don't have to sign a document as a receipt.Matter of fact you don't even get a document of your transaction summary for that loan. You just get your check back. I just wonder how many people she has done this to? This is a local company, and I was told that there is no regional manager there. Who do I talk to then so I can get the money back. Oh and another thing, she said she applied it to the current loan that was defaulted on and my mom asked for the paid check back and she said she did not know where it was at. I cannot even believe that these places can get away with crap like this.

Posted: Fri Apr 04, 2008 6:40 pm Subject:

I would call you state ASAP on this place. I would also talk to the bank asap and claim fraud on these checks. They cannot do this. You are supposed to get papers everytime there is a transaction on your loans (at least here they do) Plus you are supposed to get your old check back when you give them a new one. So with her saying she doesn't know where those checks are is BS.

Posted: Fri Apr 04, 2008 6:41 pm Subject:

WHAT????

I'm having an attack here! Is this apparently an independently owned pdl? No corporate office. Just a local neighborhood pdl (with shady law breaking creeps running it)? This is WAY insane. No receipts? Just your check back? What happens if these a##holes get audited?? No receipts? No records of what has been paid/not paid? Huh? Since this is a storefront, who must be licensed to lend legally, file a friggin complaint against these dishonest you-know-what's! File a complaint with the BBB and your state AG against them. This particular pdl needs to be "checked into". They are not going by the book when it comes to the law. What the hell kind of record keeping do they have? None. Holding on to checks from months ago? WTF? My a$$ would be filing compliants right this very minute!

Its Me Again 5 · Posted: Fri Apr 04, 2008 6:55 pm Subject:

Just independently owned, The only paper that we have to sign is the one that says we are in agreement with the loan terms and thats it. We do not get anything back, just the check. She said that the reason why that check was cashed was because we were trying to defraud her by stopping payment on the checks. And that she could go to the county attorney at anytime if we wanted her to. I was told to get in touch with the state auditor about this check situation as well. The bank told me that since she went directly to our bank to cash it, there is nothing that they can do. It was a honesty check or whatever its called. He told me to get a record stating that this was a paid loan and that he would see what he could do, but the idiot would not provide that information.

Posted: Fri Apr 04, 2008 7:38 pm Subject:

The state auditor probably wants some type of receipt, of which these morons don't give! That should clue him in as to what kind of "business" they are running! Did you explain to him that you don't have a receipt showing paid because they don't give receipts? And, also, that you've reloaned (which they would not let you do unless you paid your previous loan)? Can he help you with just these facts alone? This storefront isn't going to provide you with crap. Also, the auditor needs to know about the "deposit stack" and "shred stack" of checks and how they mysteriously get "mixed up". Oh my God. I just want to go to this storefront. This is sooooo wrong.

Posted: Fri Apr 04, 2008 8:19 pm Subject:

I am right with you Cannr. Omg I just cannot believe this place. Heck I even want to talk to the state on this and I don't even live there. WTH Shocked

I would have her a$$ fired in a heartbeat Evil or Very Mad

(which I have already done to a manager of a pdl here *evil laugh* lol) I am sooo steamed about this Evil or Very Mad

Posted: Fri Apr 04, 2008 8:24 pm Subject:

puddle, I'm with you. The thing is though that apparently this is an independt pdl. Great. No one to call at "corporate". No corporate. And all this crap of no receipts? Shred piles? Deposit piles? WTF?? I'd have a friggin state authority in there so friggin fast, your head would spin. And GOOD FOR YOU for getting an evil storefront manager fired! If they deserve it, good riddence to their ass. These guys are pissing me off now.

Posted: Fri Apr 04, 2008 10:52 pm Subject:

LOL- itsmeagain, I think you have a whole little army of us who want to come down there right now on your behalf Wink

When you take out loans with this place, do they disclose documents to you and copies of your loan agreement? If they don't give receipts of payments, I'm ready to assume they don't give copies of your loan agreements, either, and as far as I know, that is a LAW that an ANY licensed PDL is required to follow, or audit, audit, audit!

If that's the case, I'd nail that horrible woman and her little cardboard PDL corner-stand with all the authority there is.

DO NOT let these people get away with this. Put them in their place. Not just for your sake, but think of all the others she has already done this to, and will continue to do this to if she thinks she can continue to get away with it.

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