Questions Regarding Route 66?

Ok, "Sebastian"....I'll bite.

1. Why does every person from Rt. 66 that calls a client use an Americanized name? Like Bob, Tom, Ms. Johnson, etc. when we all know they are NOT Americans and their name is no more Bob or Tom than mine is Patrick Swayze.

2. Why does Rt. 66 accept business in areas they are not licensed to lend into...i.e. THE ENTIRE UNITED STATES? I have yet to see a state where your company is licensed to lend. And contrary to your company's stated idea of the law, your company has to follow the laws of the state they lend into, not the place you are located.

3. Why do your phone employees call people at their workplaces, homes, and anywhere else they can find them, and make threats of arrest, jail, legal action, etc. when this is a blatant violation of the fdcpa?

4. And...since your company claims to be located in the UK and therefore, bound by UK laws, why does your company break even those laws??

5. Why does Rt. 66 insist on doing everything over the phone or by e-mail? Most people trying to send you payment by mail have been turned down or told that they won't be allowed to obtain the physical address of your company. And when a physical address is obtained, it's some "front" in an empty building or a PO Box in Nevada, etc. No state in this country accepts a verbal lending agreement from a foreign entity (that is not licensed in the states) as legally binding. Even if it is recorded.

6. Why won't Rt. 66 validate debts when requested to do so? Phone agents for your company routinely tell clients they will not receive a validation of the debt from your company unless the client makes a payment arrangement. If the arrangement is made, the debt validation is never sent. I don't know about you, but in my book, that's a lie.

I welcome the answers to these questions, Sebastian. I'm sure many others here do as well.

Interesting.

1. Most of the agents have strange names that on english language are not understandable, im a example of it, but thank god that my english is perfect, i dont have accent like most agents do, but they``re lots of agents who used they``re names. Me when i start to work there, i asked if it is Ok to use another name, sometimes they do it to sound more professional, but i think that if you do not sound american dont use an american name, people are not stupid.

2. Regarding that laws i dont quite have a lot information, and i do not know witch side to go to, cause they said is legal but you said is illegal, but im gonna find information regarding that.. R66 has a legal department, i will get you the phone #.

3. good question, first of all i consider that calling a customer and make threats is a bad behavior, me my self personally always conduct a professional behavior, i heard customers telling me how nice am i cause they have talk to several agents and they have not being polite like i do. For example when i contact a customer at work most of the companies do not accept personal calls, i always contact HR department and confirm if they are still working there and make a note on that account no to call the work # anymore cause the customer can loose his job. But those agents that have threat customer are not working there, is prohibit by the administration to talk that way cause all of are calls are monitored and recorded.

4. Our corporate offices are in London, but we have branches all over the world including United States. But regarding the LAW issue, like i said im not that involved with it. But i have copies of the law of FLorida.

5. I will like to see some evidence regarding the physical address in NY that the building is empty, right know we are currently using one in Reno, Nevada.
Our service is provided by phone or email. Me myself dont handle the emails, thats the cust. service department. Right know we are accepting payments by moneygram as a second option, but we only accept those when the customers are having problems with the bank account (like account closed or overdraw) and want to payoff,(not pay fees). But the terms and conditions says that it must be made by ACH with your bank account either is a savings or checking it doesnt matter, cause that is where we deposit the money.

6. All the arrangements that i make with a customer to payoff the loan or paying fees, after the payment is received i called them and inform the cust. that we have received the payments and that your account is payoff meaning inactive, i always provide customers our departments phone #, sometimes they have questions or they want to change the current agreement to another day, 877-564-7739 that is collections dep. As to my concern after the payment is received the system automatically sents an email to the customer.

A final comment is we only provide a service, there is always people that wont agreed with it, but i have talk to a lot customer telling how that loan help them to resolve a problem in that time. And im always very flexible doing arrangements with the customers and help them to payoff the loan. But sometimes that wont have the money to payoff and they just pay the fees, but paying the fees does not mean they are paying the loan, fees is just fees.

Sebastian--

Why does your company continue to rollover fees when in most states the payday lending laws says that no rollovers are allowed?
(I hope this question hasn't already been answered).

Sebastian--I do urge you to do a search for Route 66 on this forum, and you'll find many threads about abuse that people have received from your company.

Is route66 affiliated with MTE Financial?

Brownsugar, no Rt. 66 isn't with MTE but they are associated with GSFIL/GFS, I think there is one more that I am foregetting also.

Okay, with all of these dba's it's hard to keep track!!

I have one more question for Sebastian. If you are with the Collections Department for Rt. 66, why aren't you familiar with the laws in the areas you are collecting from? I would think your company would want you well-educated on the laws of the states you are attempting to collect from. It's a little hard to perform your job without knowledge of the laws.

Ive read a bunch of comments regarding R66, and believe me im more of the side of the customers when it has to do with their current loan, regarding of the information of US laws i was not told about that in R66, they????re was one client from North Carolina i spoke with , she was telling me about the laws and that R66 are not allowed to provide that service in that state, i just told her to contact the Legal Department and provide her the phone #.

When customers are up to date with their loan (meaning they have paid the fees on each paydate) they are not in collections department, there is a CONFIRMATION department who handles this customers, their job is to calls customer to confirm if they want to pay just the fees or payoff the loan for the next paydate, and like a said, sometimes the customer does not have the 200 dollars for his next payday, so he just pays the fee. But, if payment is arranged on his paydate and that payments is returned cause his account was insufficient funds is account will automatically go to the collections department.

All questions are still welcome!

Again, Sebastian, I ask a question that has yet to be answered. Why does Rt. 66 do rollovers (or "renewals") when they are not allowed in most states??? Also, how do you justify doing business in states where Rt. 66 is not licensed to lend??

I think as a member of the Collections Department of Rt. 66, you should be aware of the fact that your company is operating illegally in almost (if not every) state in the United States. Thus far, I have not found any state where your company, or any of it's DBA's, are listed as being properly licensed to do business.

Sebastian--

Why does your company do rollovers(finance charges) when the laws of most states say that rollovers are "prohibited?"

Sorry Suebee, I didn't realize you asked the same question.

Not a problem, Brownsugar! I think it bears repeating, since we can't seem to get a straight answer on this issue. I think being referred to the "legal department" isn't a lot of help. I've spoken to them before - they keep insisting that they are completely legal and that they don't have to be licensed in the state they lend into.

At least this dude isnt referring to judicial hierarchy! but he still isn't answering the questions.

No, Irish, he's not. I'm seeing the same thing from him that we've seen others referring to when they talk to someone from Rt. 66. I believe it's called "circle talk"...or "evading the issue". Say anything, throw a lot of important sounding jargon out there, and hope that the listener (or reader, in this case) won't realize you've avoided answering the question.

Why does Rt. 66 do rollovers (or "renewals") when they are not allowed in most states??? Also, how do you justify doing business in states where Rt. 66 is not licensed to lend??

I just got into this forum to answer questions regarding people that have current loans or had loans with route 66, i understand your point, but the thing is that you people tell me is illegal and i ask in the company and they always say the same thing, we are under the laws of UK, maybe its true, maybe not, but that is out of my hands.

Regarding the rollover fees: when an account of a customer is in the collections department our job is to contact that customer and confirm with the cust., if he or she will like to pay just the fees that have missed or make an agreement to payoff the loan, i always advice the customer to payoff, but sometimes they don't have the money to payoff and they pay just the fees.

Now, what happens when we do not talk or reach a customer, the system automatically generates the fees that the customer has missed and tries to deduct from the savings or checking s account, and we cannot stop that unless we made an agreement and to make an agreement we need to talk to customer. And that is why sometimes we call to their work # or cell # or home #, cause we always work with a date for like a week.

A final comment, illegal or not, if its illegal i hope the company pays for that, one of my favorite quotes is WHAT GOES AROUND COMES AROUND. But if the justice proves that is not, then congrats for that achievement.