Big- INT problems

I think these are the same ruthless thugs as route 66 funding and others. Do not pay them a dime and ignore there threats. They are without a doubt operating illegally and threatening is their only alternative.They can't do anything that they say so do not be intimidated. Report them to your attorney general, the attorney general where they operate (probably Reno NV) and the FTC. Closing your account was the best thing to do. You are off to a good start. Good Luck

My friend had a loan with them and after she closed her checking account they called every 10 minutes for a couple weeks but then they finally gave up and she hasn't heard anything else from them. I would try to ignore their calls if you can because they aren't going to listen to reasoning anyway.

How true Sassnlucy

If they are associated with Route66, no they are not going to listen. Route66 called me for a long time, but have not had a call from them in quite a while and it is so nice! Do not be afraid of these people. Take some time and read about your state law and also read where people like these threaten and call, etc and see what the rest of us have done with them. They are nothing to be scared of. I know, looking back now, I did enjoy telling those people from Route66 off and throwing things at them before they had a chance to throw them at me.

Hang tough though. It will work out for ya.

Wait.. Paulaw is saying he still owes them money I dont care how little of how much he has not paid the Principle or legal Intrest..
he needs to pay that money. Where does anybody get off paying WHAT THEY WANT I agree not to pay over... BUT that is not what he is saying... People here are quick to say ignore and they will go away.. that is as wrong as they are you then go down to their level. Pay what you borrow and intrest that is allowed in your state then you have a leg to stand on. As far as being illegal in your state then again pay what you took and intrest then stop and take a stand..
I think that this board is to busy trying to get away from the real issue of paying the debit and getting out of debit this thread is Advocating a rip off.I know many are angry at RT 66 but... oh well pay then what you owe and take a stand.
And 2nd Husband says they dont listen. You can get the address from this board and send a money order or get the Pre Paid Visa card and give them tha number what ever at least you have fulfilled your legal and moral obligation

You should pay what you legally owe but these people have stolen so much more we just assume that everyone has overpaid them. The prepaid Visa is a great idea but the collectors from whatever foreign country they call from would have no idea what you are talking about. The say pay us our way by a certain time or we will come to your job or your home. We have terrorist connections. They call your boss and demand your paychecks. THEY ARE SCUM AND SHOULD ALL BE LOCKED UP! Poptartsmom you apparently have never experienced these people first hand. They are very scary foreigners who in a time of paranoia are even scarier because of it and they use that to their advantage and use it well. They are criminals that make terroristic threats to collect money! They will tell you that the law does not apply to them. Real quote: "report me to whoever you want, they can't touch me"

Yes I have.. dont assume anything.. I am saying that you need to stand up for your rights BUT you do not have the right to borrow money and then decide that you are not going to pay ack the LEGAL amount you owe..
And I agree they can scare you if you let them. But I called and read up on everything I could and when they called I knew what to say. But we are not talking about that we are or I am talking about the post that and I quote
"Do not pay them a dime and ignore there threat"

If I live in a state like Kansas or New York that says a lender forfeits principal as well as interest when it makes a usurious loan, can I just borrow all day long and never pay, Poptartsmom? After all, I "legally" don't owe anything. Or are we couching a moral obligation as a legal one?

That's the problem on this board. Too many people run around talking about what's legal and what isn't as if the laws are set in stone somewhere. And very few of them have any legal training. And no one on this board cared what the law was BEFORE they took the loans out ... it's always a way to get out of a bad deal later.

Every state has different laws, including different laws about when the laws of some other state do or don't apply. Yet somehow we have this one size-fits all mentality here. Few, if any, of us has the slightest clue what Paulaw legally owes. Yet there's no shortage of "expert opinions."

Getting ourselves in over our heads in debt does NOT make us legal experts. It just means we're poor money managers who should think real hard before we tell others what to do.

I would feel a moral obligation that is my point. I feel as if this board has become a place to avoid the moral issue with a little pat on the back from a poster saying "Thats ok dont pay them they are not Licensed in your state what can they do.."
I have a moral obligation as well as legal.. but that is me..

I have no problem paying what I owe legally. I have $50 left to pay according to the law and that is what i plan to pay.I didn't know the laws before i signed up but I assumed (incorrectly) that they were legit. The real problem is the company I am referring to is abusive and they are not willing to follow the laws in my state i don't want to send them the money and continue receiving phone calls.

I understand that is what you are trying to do it was the other post that got me..
I am also in Cal do file with the AG and DOF.. tell them you have filed. Fight BUT pay what you owe then close your account fast..
I know I am with BofA and they worked with me and helped me..

Poptarts mom, I completely agree that we should all pay what we legally owe and I would never dispute that. It was never my goal to tell people they don't have to pay back what they borrowed. I do try to help people by looking up the laws in their state and posting them, and especially to make them feel better and to keep them from having a nervous breakdown like I was when I found this forum.

To the guest, I do not think any of us claim to be experts. We go by our experiences and are volunteering and giving advice which should never be taken as legal advice. What we do have access to, is state laws for payday lenders.

Yes, many of us do feel a moral obligation as well as a legal one. That is to pay back what we legally owe, and what we borrowed. None of us are claiming to be legal experts or lawyers. Yet many of us have learned from the mistakes that we have made and want to help people that have done the same.

I agree with guest.. Many of "US" try to be experts. 2 or 3 months on this board does not a lawyer/expert make..
I have seen people with over a 1000 post in a short as a month giving legal advise and the people are eating it up because they are scared and looking for any answer to help even if it is the wrong answer.. I have read step by step directions given on this site to scared and Desperate people. I think that we should be careful what advise we dole out.. Experience is one thing...

How bout none of us give anyone any advice to anyone? Why dont we all just let these people get eaten alive? I never claimed any of my advice was legal...my advice is from my own personal experiences with PDL's...But hey...cant go a day without some drama on the boards!

Who are you referring to poptart? I never claimed to be an expert and neither did Leah. I speak from my own experiences with ten payday loans and what I have learned between dealing with them and the knowledge I have gathered here. I never claimed to be a lawyer either. Yes I have a lot of posts from just a few short months and that is because I spent a lot of time here trying to sort out my debts and gain knowledge and wisdom from those that gave it to me. If you have something that you want to say to me go ahead and do it and don't talk around me like I didn't even respond to the thread. Find a post where I claim to be an expert. Not gonna happen. If something is beyond me I tell that person to wait for someone else to come along. And anyone else that has a problem with me, bring it to me. Lay it out on the table. If I am not wanted here I will leave and Leah will too. We both spend a lot of time here trying to help people or at least give them a shoulder to cry on, or emotional support in whatever way we can.

Yep yep!

I wasnt speaking of you I did not post any names or point the finger at any one person.

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.

Thanks cajun :)

Thanks cajun. I feel better now!!!!!

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!

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.

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

I was not referring to "guest" in my post.....


I saw what "GUEST" wrote above and made that comment.....

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?

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!

I agree Froggy!

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!

I agree Leah!

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.

Bublefan- You said everything I was trying to think to say but couldnt....

Thanks tweet!
Bubl...glad you found us...I was in the same boat...darn near on the verge of suicide...pregnant and no money when I found this site to help me out!

OH-Dont talk like that Leah! You are a wonderful lady.......stand tall and work it girl! :)

O Im much better now...still have no money but I have more than I did when I came here...but thank you :)

My Pleasure!

Buble, sign up for the forum and stick around. We are so glad that you found us and are feeling better now. I was seriously on the verge of suicide when I came to this forum, too. It was either that or completely abandon my family and go off I could not have made it were it not for the help of this forum and the wonderful people here especially the first two that came to my rescue, which were 2nband and Leah. Love you guys!I have grown close to a few people on here and I can honestly say you are like family to me and you know who you are. frogpatch, love ya too! Keep it up-you are smart and I really enjoy your posts and your perspective. I have seriously never seen anyone on here to claim to be an expert in anything and I don't like it when someone gets something stuck where the sun doesn't shine and decides to go off in a post where we are trying to give assistance. And tweety I agree, if certain people do not like us trying to help people they should leave this thread. Yes we have an obligation to pay back what we owe but these places also have an obligation to operate within the law and not threaten jail, downloading, etc.

I have tried to register and someone did call me from CCCA but I didn't need their services. I never received a password or anything!

Now, I am going to step outside the box here for a minute. I try to stay out of the bashing as much as I can, but in the months I have been here, I have seen a lot of it. I am going to voice my opinion here, (hope it doesn't get me in trouble or cause anyone to get upset), but the way I see it, everyone on here has something to offer, I don't care if someone has 50 posts or 5000. There is no need for the accusing or name calling or the putdowns. Grant it, no one is going to agree 100% with what everyone is going to say nor is everyone going to like everyone and that is ok. That is what makes the world go round. But the bashing and such is not helping anyone that comes on here looking for help. Grant it, there is always going to be someone that comes on here that wants to rock the boat, so we deal with that an go on. I have enjoyed the time I have spent on here and have enjoyed sharing what I can. I don't do it because of the points or the money, although that is a nice extra, but because I want to help people. I have always enjoyed helping people and through all this process I am learning more and more. Is that not why everyone is here? If something is misquoted, then it needs to be corrected, but not done rudely or anything like that. I am sure all of us agree, if we make a mistake, then by all means let us know. No one is perfect. This site has been a godsend to me and I am so thankful to have found it, so please, let's put the harshness and bashing and stuff like that aside and do what we are here for. OK, I am off my soap box and I truly do apologize if I hurt anyones' feelings or made anyone upset, for that was not my intent.

Well said!

I will see the poop hit the fan once a certain member reads what I posted,but doggone it I am so tired of seeing people put down and attempts being made to discount their efforts to help people. I came here with no debt problems at all. I was looking for a place where I can help people with their problems and give back to the unfortunate by donating my time here.Half the time my dcc points don't even pay my research bills! I will be here always when I have time and if anyone needs help,just holler!If I don't know something,most of the time I know someone who does.

2nband, very well said. I try not to participate in bashing either but I personally felt attacked yesterday and I just had to speak my mind. I totally agree and I have said it a million times...we ALL have something to offer! We have all had different experiences that makes each one of us unique and with a forum of over 70,000 people we NEED all the experiences of the members here to help the millions of other people that could come here at any given time. I enjoy the time I spend here too and I wouldn't come here if I didn't. I don't do it for the points or anything either but that helps. I just want to give back to the community that literally saved my life and my family. I learn something every day on this forum too from everyone here. Sure, if I make a mistake, tell me. Send me a pm. Post something on my page. Tell me in the thread. But don't do it rudely or make accusations. Say "hey, sassnlucy, are you sure, because this is what I thought." I promise I would be much more receptive. Anytime we feel attacked, it is going to make us go on the offense.

I saw it you are not worth the effort to get angry at..
I have many more important things in my life trust me I could careless..
I am so sorry that this board has taken this type of turn and Cajun knock youself out by deleting my post..



You should know this forum has a database with all posts in it and moderators cannot delete posts except for rule violations. Cajunbulldog

I understand about going on the defense, we all do, but....sometimes it is better to ignore and go on than to lash back out. When we lash back out, what does it do but cause more back and forth and more people getting upset and more hard feelings. I know it is hard to do, but sometimes it is for the best.

Okay...I'm all legal now!!

Yea ~ glad you finially were able to get registered.

I am not fighting with anyone. This is a wonderful forum and I don't know what kind of turn this board has taken that you are referring to. Buble, I am glad that you are legal now. Stick around....we really are nice here!!!

I am done in this thread. I am tired of beating a dead horse. I usually ignore stuff but I have just had enough. I put a lot of time and effort into trying to offer emotional support to people that come here with problems.

Welcome Bublefan!

Paulaw wanted some advice on how to handle the phone calls he has been getting.

Have you explained to your coworkers what's going on? Is it possible for them to just hang up the phone? Have you sent them letters telling them not to call you at work?

Your company can file harrassment charges against them with your local police. I know they won't do much, but sometimes telling them that you've filed charges will get them to stop calling.

Anyone else have any ideas???

I was fortunate....at the time when I was being harrasssed I only had 2 others in the office and I told them the situation and they just continued to tell them that I no longer worked there

Me too . . . I mean the receptionist told them I no longer worked there. They still called 20 times a day for a couple months, but never got through to anyone.

sorry you had to deal with that goudah2424......

I'm not fighting with anyone but I will if someone ruffles my feathers enough :)