Cash transfer centers strike again!

Just when I started thinking that CTC is been unusually silent this month, here they come with a bang!!

I was assuming that the legal authorities have started investigating on them. Irish, you were lucky that your HR director contacted you before he would have sent money. Did you write a letter to revoke their wage authorization?

Actually I sent one to ctc, that they ignored, but my HR director said she gets things like this all the time and always ask before doing any thing. Also - they won't garnish here without a valid court order.

CTC more often tries for a wage assignment rather than garnishment. They know it very well that court orders is necessary before garnishing anyone's wages. If they have already ignored the previous letter, send one more letter, this time through certified mail and return receipt requested. You'll have proof of the date when your letter was received by them. Send a copy to your payroll also.

I am calling my bk attorney. He will handle it for me. My company does nothing without a signature, and they only count hand written and matching what is in payroll as a signature. I am also going to e-mail these fools - I have been telling them for 2 months that they will not get anything from me. I knew that it got awfully quiet!

How much have you paid in excess to CTC?

Irish--

How long was your ipdl in default with CTC?

Almost 3 months and I don't think that they were over paid.

Pay off the outstanding balance. This way you'll remain safe and you can't be sued if they take you to the court. However, there is least possibility of taking you to the court because they have violated the laws so many times.

Irish, I would let the attorney handle them. They are not going to be able to collect when you file. KYSIDE38

I also am filing bk but these people keep harassing me. My HR/manager is great about handling these people and won't give them a red cent. I hope more people read this forum and stay away from pdl/ipdl. They are trouble.

With the help of God, I am going to pay off my attorney this week and I will be filing soon, so this matter will be taken care of. Then I will never again do this to myself or my family! These ipdls/pdls are the arm pit of the universe!

irish,

That is an interesting way to put it, but true in fact. It seems they are getting pushier about getting their money back. I would let your attorney handle them. It's what you hired him for since you are filing bk.

ctc sent a demand to hr i sent a revoke letter they still sent one to them, what do i do now my stupid lady in hr asks as though she is going to honor them she was actually arguing with me, i am upset, they say they could not do this but my job is going to order this. it is a demand what does it means. help

is there anyone out there that can answer this question cash transfer center sent a demand to my hr what is that can they take my check this is what i need to know the stupid lady in hr act s as if she is going to do this for them tell even though i revoke it please can someone pm me i dont what to do she said she have not taking any money out yet but will soon she is going to call them they say i owe 947 dollars i borrowed 700 i guess that is taxes so some help me can all them do this know.?

I've never heard of a Demand letter, did your HR lady let you read it. If it's not court ordered then how is she able to follow through with it, especially if you revoked any wage assignment. If that's the case, I should go to my brothers job and demand his Payroll dept. to give me his check because he didn't hand over his half of the rent. It just doesn't make sense to me.

You are right Pink Lady - this is nonsense! That is why my hr person called me and I in turn called my attorney. He said "show me a judgement". I also re -emailed the c/d letter and wage revocation. They sent me am e-mail back wanting me to negotiate! I had an attachment on the e-mail regarding my attorney's info and to call them.

yes this is what she told me a letter of demand not an attempt, not wage assingment not a n garnishment or any thing i told them i will sue if they let this go through, is that right or am i wrong? tell me what to do. or say for that matter.

irish what do i send them do you have the fax number and the revoke letter i am at work and dont have the one i sent first but i want to fax something again there is no jugement or if so she didnt tell me what is a JUDGEMENT what does it do i am not stupid just dont know legal stuff that good.

The fax # is 1-866-809-4069 I don't have a form letter, but I know that Polly's blog has some wonderful templates that you can use.

My mother works in HR for a company in Illinois so I asked her if she has ever seen a Demand letter. She said that is what a company gets before a garnish is supposed to happen. If the employee agreed to it and the HR department has something with the employee's signature then it doesn't have to be court orderd. She also said prior to receving the demand letter the employer and employee should have received a letter of intent that gives them 20 days. Also the employee has to be so far behind on the payments before the garnish is honored, also there are rules on how much can be taken from each paycheck. So I would ask your employer if they have something in writing showing that you agreed to this since it was not court ordered.

thanks pinklady i would not have even known that they had sent the demand if i had notread the thread before s o i just call to see if they had sent a letter for me she said yes, as your mom what i shoul d do i have gotten nothing i have not areed to any thing can this lady in hr just let them take the money and can all the payday loans do this, if so what about the ones that has ben null invoid they may try this too. so i need to know what to do short of filing bk i will do that next.

Ask your HR person if this was the only thing that she has received from this company. Ask her where the letter of intent was prior to receiving this demand letter. Tell her you need for her to explain how all this is legally possible without you knowing about anything.

Pink Lady - in my case they just threatened to go to the next step. No letter, no e-mail , no phone call. I explained that I was in the first stages of filing for bk, as my attorney instructed me to do and I gave them the number he gave me for my creditors (both in writing and over the phone) but they choose to ignore everything. My C/D letter, my wage revocation etc.

Who in the world is CTC and what do they do?

You know i was once garnished $683.00 by Sonic Payday loans. I had been a customer for 7 months, i missed once finance fee payment and they started calling threating, it wasnt even a month into it that they garnished the entire amount without letting me know first or allowing me to do something about it. This was after setting some payment arrangment date to repay my loan. Anyway, my HR manager never let me know, she just did it. When i received my paycheck i question her about the amount, she then from a file pulled out the request for garnishment....since i didnt know the laws back then i just let it go.

Cash Transfer Centers dba Northway Financial - one of the most difficult pdl's to deal with!

asid they were going to let them garnish my check i have to go i will be back on soon to tell the story i am at work i am going home then i will get back on around 1000pm central time i dont know what time is it where you are bye

asid they were going to let them garnish my check i have to go i will be back on soon to tell the story i am at work i am going home then i will get back on around 1000pm central time i dont know what time is it where you are bye

*deleted by me*

laverne, round up everything you have, loan agreement, ect everything. I'm gone checking into this right at the moment. I am going to need your state of residence but I can locate general & other info until you tell me the state your in, thanks!

hang in there, maybe I can find something shut that HR woman down long enough to take care of the other, okie dokie?

*TCA NET* Researching.....Northway Financial, 295 Main, Tilton, NH 03726........State of New Hampshire, Corporations System search....no listing for Northway Financial.....*AKA SEARCH*......State of New Hampshire, Corporations System search....Cash Transfer Centers......no listing for Cash Transfer Centers......"attention all cars and stations, be on the look out for Northway Financial dba Cash Transfer Centers........subject is aproximately "X' xX" " tall, weight....3 billion pounds.........do not approach, possibly considered toothless and highly fraudulent........notify texasconsumeractivist if spotted.......TCA412, 2115 hrs


*chuckle*

Tex, you are a scream!! :lol: Have a good one!!

Hey.....chasin' bad boys is fun, why not ham it up too?

*chuckle*

irish now my hr office had the intent letter never told me about it just called me today and just deciding what to do with my money without tell me any thing, i dont know what to do can yo pm me so i can really talk to you in private please i need to know what to do what if all the companies do the same thing what will i do.

If your still on laverne, what state are you in so I can get info rounded up for you?

texas i am sorry yes i am up i am in chicago ill,, please tell me what to do, i think i got a little more time but those creditors are still calling my job i am so a shame but i got to get it together and do what i have to do also i so some of the companies have been order to stop collections on their loans what if they demand money from me i am a little depressed not a lot so if you can give me some advice i will appreciate this i need this now. thanking you in advance.

Laverne - first take a deep breath and try to relax. You can't think straight when you are upset. I know just how you feel I am so ashamed too! But that won't take care of the situation will it? Now first you have to tackle your HR dept. get a copy of the laws regarding pdls in Ill. and take them to your hr dept. Explain that you beleive that you are a victim of fraud and until you get things straightend out and they have a SIGNED contract from you they are to to please hold off on the wage assignment. Also - find out what the laws are for garnishment in your state and if you need a judgement before that can happen. I am sorry I don't know where to look for these laws, but maybe someone else here does.

laverne

Northway Financial/Cash Transfer Centers & alternately looked for business name of Cash Transfer Center not on file with The State of Illinios, Secretary of State's Corporation/LLC Database.

link here:

http://www.ilsos.gov/corporatellc/

If you have a telephone number, post it I can do more digging that way & post what here I find, okie dokie?

Hang in there!

Here you are Texas - 1-866-958-3278

i talked to hr and they just act lack they are going to let them have my money without a jugement they sent a vol. wage assignment to them with a demand letter they was just going to take the money out till i called and the lady name wendy said i am just doing my job it is as if she is enjoying this whats up with that. she said she has not done it yet but will do it i get paid next friday. i sent my job a copy of the laws she does not care she just see a creditor tring to collect with a wage assingment, i sent a revocation letter and every thing, she still is going to order their request. now there are a lot of the payday loans that i owe that are now null and void and they still try to attempt to take my money and they let them, what do i do.

On it, thanks!

Ok Laverne - that buys us a little time to get you some answers and maybe a solution. Just relax (I know that is hard to do) How does Ill. handle garnishments? Do you need to have a judgement? We need to find this out.

laverne;

follow this link Illinois Attorney Generals Office:

http://www.ag.state.il.us/consumers/

*updated*

follow this link for the Illinois Division of Financial Institutions:

http://www.idfpr.com/DFI/CCD/ccd_main.asp

Contact this Agency ASAP, get the ball rolling that way. The toll free number that was posted is not turning up in any US based Telephone Directories (free lookups).

Refer your HR person to the last link. If she is still unwilling to cooperate & you did not SIGN (this is very important & why I asked you to double check your contract/agreement) a wage assignment agreement with these people; let me know.

Get a list made up for every pay day loan company you've dealt with; after that you can send each one of them a cease & desist letter. Time consuming? Yes; but much better than you being stressed out & the HR people having fun at your expense.

Helps coming, hang in there ;)

still hunting that number down.....

Hi Laverne..Texas has sent me to you! :lol:

You might want to read this...I'm an HR rep, I can help you with this letter.


http://www.debtconsolidationcare.com/settlement/about21936.html

hi finsfan13 i need someone who really knows my problems, now my job got an demand letter first then she got a intent letter i just call to see if something came in from cash tranferscenters, she sid yes i got scared again because i didnot think they could do any thing after i revoked them but they still are tring. my job is looking as if they will let it happen. the link you sent i tried to pull it up and it wont let me so i cant see it try it again it says cannot find when i pull it up. i need to know what to expect next i ask the lady to explain how itt goes she just says she is doing her job acts as if i have no right to ask her she said you should pay your bill, i called them and ask to make a payment arrangement, but they said they will only except the full payment from me, no small payments, the only way they will except a small payment is through my job why is that, fin i need someone who really knows what going on. tell me and also what if the rest does this what to do. waiting on your reply.

The federal law states, that once YOU revoke your voluntary wage assignment the company CAN NOT pursue it any further. You MUST be DEMANDING with this company and send your letter REPEATEDLY, MULTIPLE TIMES A DAY to this company. And your employer must also follow your revokation.

Steelers is absolutely right. Even though assignments are legal, it is YOUR RIGHT to revoke them. I don't know why your payroll person doesn't know this, these are quite common lately in companies of any size..It's not even usually PDLS that use them. It's usually rental centers, buy-here-pay-here car dealers, and high interest rate credit cards.

ALL that you need to do is come up with a letter that says as of this date you do not authorize any and all wage assignments. Make sure you include your account number. Also, you need to give a copy to your payroll dept. This is called a letter of defense. If your payroll doesn't understand the situation, then they need to be doing some serious research here. If you have any questions on the letters, feel free to pm me.

Finsfan, do you know of a site where she can print off this federal law and present it to her payroll department? I know it's out there somewhere, I just don't remember where.