Does Route 66 really call your employer?

They will definitely call you at work. If you can give some more info., we can try to help you deal with them.

What state are you in? What is the total amount you've paid them in finance charges before defaulting, and how much was the loan for? I'm assuming $200, as that is the usual amount they lend all of their customers.

I borrowed 200.00 they have collected 80.00 interest. Am in Texas and know they take wages or do anything wo a court order. Concerned that they might call my HR department (I have told them about this, but don't want them to be bothered.) Thanks. Yall can have any points but I don't know how to do it.

There is a letter on my blog that you can use to get them off your back. They are actually called Cash Today Ltd.

Route 66 Funding is not licensed in Texas. The charges and fees they are tucking in your principal amount seems to be illegal because the laws in Texas is mentioned here. They must have a valid license in order to charge the fees from people. At this stage, you are liable to pay them only the principal amount and the fees mentioned in your state so that you are put in the safe side. Route 66 Funding will try to intimidate you for paying more but you must be aware about your legal rights. If they force a wage assignment on you, send a revocation letter to the company and a copy to your employer through certified mail. At this stage, you should also think on keeping your checking account open because they may try to do multiple debits and drain you into negatives.

They will also tell you they don't have to follow us law, but make them aware they are also breaking british law too! Check out the other posts on Route 66 for more info . . . .

Okay, if I calculated this up correctly (feel free to double-check, my math skills are lacking), Texas allows $10 + 48%apr on payday loans so that's $106 in interest/fees you are liable for. You've already paid $80, so you owe $226.

It's highly unlikely that they would try to get a court order to garnish wages or anything of the like because they are not licensed. They're based in England, but have a couple of addresses set up in the US for looks.

They are going to bug the heck out of you, but just try to put up with it and stand strong. Send the 9 payments of $25 until they're paid off. If/when you open a new bank acct., don't give them your details, they have been known to debit more than the agreed upon amt., and also to debit at random times, causing people to be overdrawn.

I highly recommend using the template letter that Polly referred to, which is located on her blog.