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#18
05-10-2007, 06:44 AM
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I wasnt speaking of you I did not post any names or point the finger at any one person.
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#19
05-10-2007, 07:06 AM
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Again with the members being bashed!No one claims to be a darn legal expert on this site,not even me. I do know even our younger members have had a lot of experience to draw on when dealing with pdls. This board is 100% voluntary and all advice should be taken with a grain of salt. I will repeat what I have said in the past,post number or time served does not mean squat when it comes to believing advice given here.
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Cajunbulldog Keeping an eye out for consumers. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809 http://www.ftc.gov/os/statutes/fcrajump.shtm http://www.debtconsolidationcare.com.../about216.html Use this letter to protect your rights under the FDCPA myfairdebt.com & myfaircredit.com-Good source of case law in forums.
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#22
05-10-2007, 08:27 AM
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Please
I am the one who made the "don't pay them another dime" comment and I admit I was overcome with anger and did not catch the fact that there was still 40.00 or 50.00 dollars owed. I had so much harrassment from these people until I learned to tell them to shut up. I did not owe them anything. However if you send that money without a written agreement that this will be the final payment they will continue to harrass you for more and more and take the payment you sent as your certification of the money they say is owed. They have already been ordered to stop doing business out of the Reno address that they give. I personally do not think anyone has a "moral obligation" to someone who causes such misery and fear and breaks any law they want to gain as much as they can. I am by no means an expert but if I am filing a harrasment complaint with the attorney general, which I did, against someone I will be damned before I pay them while the complaint is being investigated. If there are any lawyers listening please chime in!
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#23
05-10-2007, 08:33 AM
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frogpatch, you give some damn good advice on this forum and I have been impressed with your posts and you really have been working hard to help people. I know that this company has tried to put you through hell. Keep up the good work. And I agree that you have an open complaint with the AG, let the AG handle it and then go from there. I also agree that the "moral obligation" is to be called into question when such companies are making people's lives so miserable that they cannot sleep at night or think straight. None of us are trying to crook any of these companies. We are learning to stand up for ourselves and our rights.
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#24
05-10-2007, 08:41 AM
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I have read these posts and although I agree with MOST of what everyone says...however I must say that I do think a certain someone is accusing people of not wanting to pay back what the legally owe. I for 1 agree that you should pay back what you owe and thats it....BUT, I will NOT be threatened and/or feel intimadated because of some CA calling and saying you will be "downloaded" by 2:00 pm if you dont pay us X amount of money. If the person that is on here saying that we need to do the "right thing" has a problem with us like them posting their feelings/beliefs then I dont think they should visit this thread...GEE- is "GUEST" a CA? HMMMMMMMMMMMMMMm
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~ Tweety~ When I'm good, I'm very good, but when I'm bad, I'm better.
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#26
05-10-2007, 08:47 AM
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sassnlucy
Thanks, I love you forever. Purple hair is my favorite.
Seriously though if my mechanic fixed my car and told me I could not get it back until I paid him twice what he said it would cost, I would not pay him what I felt I owed him and still not get my car back. I would reach an agreement somehow and then pay him. It only makes sense. If I could not reach an agreement I would not sneak in and take my car either. That would not be moral because now I am as guilty as he is. Am I wrong?
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#27
05-10-2007, 08:49 AM
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First of all-BIG/GFSIL or whatever name they are using today just was fined about 50g's for the illegal things that they do, second of all they have been told to stop lending using Reno NV(which if you know anything about NV, that just goest to show how shady this company truelly is! NV is the land for loan sharks and seediness as far as these PDL places go) and thirdly I think we are all in agreement that no matter how shady a company is, they should be paid back what is legally owed to them per state laws, not a penny more not a penny less!
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#29
05-10-2007, 08:52 AM
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I just wanted to say something. This probably isn't the right thread to post it in, but after reading this, I just wanted to share something.
Before I found this forum, I was almost $3000 in payday loan debt. True, I should have never gotten into this mess, but hey, stuff happens. After reading the posts on here and reading the laws of my state, I realized that I had been overpaying most of these loans by hundreds of dollars. Without this forum, I would probably STILL be paying the interest on these loans and would continue to roll them over and over and over again. Now, I am more informed of my rights as a consumer and I completely agree that people need to pay what they owe. I am doing that now. But I feel that people should NEVER pay more than what they borrowed, no matter what! I never took any of these posts as legal advice, but as advice from people who have been where I have been. Not one person here has ever told me "Don't pay them and they will go away". In fact, it is the complete opposite. "Pay what you owe, but not a penny more". Because of this forum, I have been able to eliminate one payday loan AND get a refund in the process. If I hadn't found this place, I would probably have a nervous breakdown and do something drastic. So I want to thank everyone here. Because of your kind words, encouragement and advice, I am on my way out of this mess. I can see a light at the end of the tunnel. So although the people on this post may not be lawyers or accountants or whatever, they give good advice and it works!
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#31
05-10-2007, 08:52 AM
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Paulaw ~ you just need to pay back what is legally owed and nothing more.
Whether or not something is legal in a state, if money is borrowed, it should be paid back, at least the principal and if there are fees associated with it, only the amount allowed by law should be paid back. People should not have to keep paying and paying and paying when something is PIF. Those that get loans and have no intention of paying them back, well I just don't have a lot of respect for those people. I am far from an expert here, but base things on what I have gone through and what I have learned the past several months. As I have stated to people, I don't know all the laws as much as some others here. There are many things I do not know as well as others, but I figure collectively, the board as a whole, can provide people with the information they need, as was done for me.
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