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Posted: Sat Apr 14, 2007 10:26 am Subject: OK, I need some help

Yesterday I went around and around with Northway Financial aka cash transfer centers. They garnished my husbands check yesterday. When I was on a three way call with employer and a woman from Northway I asked the questions about them not being licensed in Oregon. I also ask if they were licensed in the US, because I was under the impression that they were not licensed either place. She told me and my husbands employer that since the loan took place over the internet, that they did not have to abide by my states laws. Is this true, because reading other post on here I thought they had to go by the laws of the state that I reside in. Can someone please answer these questions for me. I thought I know what I was talking about, but maybe not. They also did this after I revoked the voluntary wage assignment.

Posted: Sat Apr 14, 2007 10:47 am Subject:

Yes they do have to abide by the laws in your state, and once you revoked a voluntary wage assignemnt and have notified the employer of such and can prove that you did, then the employer can be held responsible for this money....You need to contact the AG in your state or go to paydayloaninfo.org to check out your laws and who you file complaints too...What state are you in???? PS-voluntray wage assignments are usually only legal if signed in person and notorized

Posted: Sat Apr 14, 2007 10:51 am Subject: OK, I need some help

Thye told my husband they had his digital signature, and his employer said it looks just like his signature. I don't understand that. This was all done online. It was not done in person, or noterized. We are in Oregon.

Posted: Sat Apr 14, 2007 10:53 am Subject:

Ok how can a digital signature look just like your husbands signature? Let me go do some researching for you and I will be right back and hopefully have some answers...

Posted: Sat Apr 14, 2007 11:15 am Subject:

Ok here is what I have found out for you:
Regardless of where the internet lender says it is located, it is subject to your states credit servies(paydayinfo.org)
Oregon wants your complaints sent to:
Oregon Dept of Consumer and Business Services
350 Winter St NE rm 410
Salem, OR 97301
Phone 503-378-4141
Fax: 503-947-7862(if you go to paydayloaninfo.org and click on your state you can file the complaint there...it has a link!)
Also there is a law in Oregon that states that except for tax debt a voluntary wage assignment is not legal(ORS 292-045-070)--still looking up the particulars on this law but wanted to get back with you asap!

Posted: Sat Apr 14, 2007 12:06 pm Subject:

Cash Transfer Center is affiliated with Sonic Cash. They are very famous for doing wage assignment with digital signatures. By laws, the wage assignment rule has to be mentioned in the contract and the borrower has to sign in person before it becomes binding. Report their violations to your state AG

Posted: Sat Apr 14, 2007 1:33 pm Subject:

Definately go to the Oregon AG on this one. You need to get your money back! Also, I am in California and know that Sonic was kicked out of my state last year. Sonic is an offshore place with offices in Canada and Malta and is one of the worst ones out there. They have alot of DBA's and I know CTC is one of them.

Posted: Sat Apr 14, 2007 6:31 pm Subject:

Another one of their dba's is Payday Avenue. They tried the wage assignment with me too but my employer told them they were not giving them any info or giving them any of my paycheck. Smile

Posted: Sat Apr 14, 2007 6:33 pm Subject:

I think they were kicked out of Malta and are on there way to being kicked out of Canada also.

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