A payday loan is a check and you can be charged with a crime

Reading your comment however is fun. It is fulll of lies and crap. No one can be put in jail for owing money.Also on a internet loan there is no check, so go somewhere and figure out what you are talking about. No one here will buy what yiu are selling.

OH BROTHER,WHERE TO BEGIN? FIRST AN ACH OR ELECTRONIC DEBIT IS NOT A BANK DRAFT.SECOND THERE IS NO SET LAW THAT STATES YOU CAN BE JAILED FOR A BOUNCED ACH DEBIT.THIRD YOU SOUND JUST LIKE COLLECTION SLIME WHO CALLED LAST NIGHT. GO NOW PDL SPY,YOU HAVE PEOPLE WHO AREN'T AWARE OF THERE RIGHTS TO THREATEN.

Good Advice! You are also too precious for words!

Another slow day at the CA? I wish I could fun out which one you worked for, would be interesting to see how many times it has been sued for fdcpa violations!

Ho hum, ho hum, same ol' song & dance. :roll:

good advice..did you go through any previous training before getting your dream job there at the agency?? Apparently the brain-washing technique must have worked you're spouting the exact words they wanted you to say...you really need to get your facts straight!

Good saying Kash, we will not listen nor buy his dum lies. All you are is a PDL spy and you are probably the first who has defaulted on PDLS.

The "fun thread" du jour!

Never fails.....always at least one a day.

Come back when you can properly understand what a worthless check is and how you can be prosecuted under criminal law.

Thanks!

Priceless. Besides, I haven't seen a paper check payday loan in a while, all they usually want the check for is to get the routing and account numbers...and even if there was a paper check, the first time the loan either rolled over or you paid it, it made it null. Nice try lame-o.

yeah, lets completely ignore the fact that most payday loan companies act illegally because they arent even licensed to do business in the states they make loans in......let's just ignore that one completely, mmkay fellas?

When you didnt even act legally in the course of lending the money, you dont have any business speaking to anyone about what they legally can/cannot do after the fact. Whats also funny is that court after court, time and again, have voted with their rulings...and their decisions strictly contradict what this clown is saying. I sincerely hope no one actually read that post and believed that crap.

ANOTHER POINT,IF A ACH COMES BACK FOR THE FOLLOWING REASONS.

A)YOU ATTEMPTED A DIFFERENT AMOUNT
B)YOU ATTEMPTED TO DEBIT ON A DIFFERENT DAY
YOU SEE,THESE ARE THINGS ARE AGREED UPON IN ADVANCE.I DON'T SEE ANYTHING IN YOUR DRIVEL ABOUT THAT.AS I SAID BEFORE,RUN ALONG,YOU HAVE INNOCENT PEOPLE TO THREATEN. :lol:

:yawn: I am fairly well versed with laws that apply to this situation. To pass a worthless check where it would be considered a offense worthy of arrest you would have to be drawing items on a closed account or a account that no longer exists. Even then the "victim" and law enforcement would have to prove criminal intent (this is generally supported if there are multiple instances of this or if the check is for a rather large amount, meaning something that might constitute grand theft) even then a judge would only issue a warrant for your arrest and they would only pick you up on it if they catch you doing something else (like on a traffic stop for speeding)

Most of time the only thing the merchant can do is file a civil complaint with the Magistrate's office in which they will be brought before the Magistrate where the plaintiff and defendant both get to plead their case and the magistrate makes a ruling based on the facts presented. This of course all falls under a civil suit as most debts are civil matters, not criminal.

In short, your wrong.

Have a wonderful day

Wow we must be getting really annoying to the PDL people for them to keep posting here, it's even more motivation to post, great job "goodadvice" you are helping us help people with your posts.

Seems to be a daily column now..i wonder what they will post about tomorrow?! Cant wait!

A payday loan is paid with a check, but if the Payday Loan is illegal in the first place, hummm, you can be charged with a crime,...hello!!!

Quote:

Uh huh, that's the reason they only threaten people on the phone, they know damn well they show up in person and start talking like that there's a pretty good chance the least of their problems is getting their *ss kicked, where I live they have a pretty good chance of becoming a gators midnight snack.

The poor gator would probably get sick.

ive found that all men who talk tough have small members
pity you.

And what would he say about the State Attorney offices and DFI offices that help us close illegal internet loans??? Are they breaking the law too...LOL.

I wonder what the troll thread will be tomorrow (yawn)....so far this week its been:

Tip your Collector
How to deal with a CA
Not paying PDL's is a crime

Guest, we try to keep this forum family friendly as possible, please refrain from posting those anatomical references.

I am laughing my butt off here. Good Advice must not realize that we are all laughing our butts off at him. Must come here cause nobody buys his crap anymore. Feeling a bit insecure good advice man???Nobody wants to talk to you anymore, boo hoo. Take your bs somewhere else. Volly, love the recent topics wrap-up, too funny!

I hope good advice uses all the tips he's getting here. Personally, I think he is here because he's lonely and depressed. He may need professional help. With so many people getting wise to the true nature of payday loans, he may be losing customers and not getting much new business. The prospect of having to go out and get a real job is probably pretty scary, especially in this economy. Besides, how would he explain the duties of his current position to a prospective employer? "Well...I..Uh..helped customers get small loans and collected huge fees for the service. I threatened customers with jail when they refused to pay the high fees eventhough they paid back what was legal. I harrassed my customers family and friends about the illegal debt. I debited my customers checking accounts illegally as often as I wanted and tried to damage my customer's credit history." Now, does this sound like someone a legal employer would want to hire?

Can't say much about the storefront PDLs', but many, many of the internet ones aren't even located in this country, AND - as I've heard from representatives of my state government - they are illegal! These companies misrepresent themselves to the public, their websites for the most part do NOT list States where it's illegal to use their services (as legitimate businesses would do), and so on. And then they have the.... I'll be polite and say "guts"... to go on TV all dressed up and happy-looking, to tell us how wonderful payday loans are? Uh-huh.

ANOTHER POINT,SEEING AS THOUGH WE ALL HAVE DEFAULTED ON PDL'S WOULDN'T WE ALL BE IN JAIL BY NOW? JUST ASKING. :lol:

You know what? I bet that "goodadvice" is a bit grouchy because he's short on cash. Maybe he should go out and get a payday loan, THAT'd help him out! :D

Yeah, he should try cash n minutes. :lol: I remember that thread with litigation of theft arbitration. :lol: I also remember calling LTA and got their voice mail, talk about over the top acting and trying to hard for intimidation. Sounded like Vin Diesel and Darth Vader had a kid together. :shock:

Don't most States specifically prohibit criminal prosecution of PDL debts? And don't forget the "intent" portion of the laws. The PDL would have to prove that you knowingly intended to pass a bad check at the time that you took out the loan. At least that is my understanding.

One can only hope that things are slow at the PDL our friend obviously works at, giving him more time to play on the internet and post his drivel! Guess that means that the word is getting out...DON'T DO PDL'S!!!

I avoid PDLs like the plague, mostly because I realize it to be predatory lending and also because my state prohibits internet and storefront PDLs.

hi speaking of small members..this is the only one I've met so far on this awesome site..we call him Cheuy..

:lol:

I wonder how much his PDL boss pays him to troll at work. I mean, there's plenty of excellent trolls that do this work for free that could use a job.

":yawn: I am fairly well versed with laws that apply to this situation. To pass a worthless check where it would be considered a offense worthy of arrest you would have to be drawing items on a closed account or a account that no longer exists. Even then the "victim" and law enforcement would have to prove criminal intent (this is generally supported if there are multiple instances of this or if the check is for a rather large amount, meaning something that might constitute grand theft) even then a judge would only issue a warrant for your arrest and they would only pick you up on it if they catch you doing something else (like on a traffic stop for speeding)"

jcemt good for you in your school studies young man!!!

:D Most of it comes from self study. I also pick up a few things here and there from my brother (who is a police officer) I know that in even the small town I live in the police are WAY too busy to worry about pursuing something like a bad check complaint. (and 9 times out of 10 those are civil complaints)

Also, one thing that PDL companies need to realize: It doesn't matter what is in the contract, nothing noted within the contract can supersede state or federal law.

That's funny I have 2 payday loans outstanding from 4 years ago that I am now paying off and I have never been in handcuffs...well at least not legally ;-)

:shock: :lol:

Nice try my Indian friend, CA state law prohibits criminal prosecution for PDL, or THREATS of criminal prosecution. I wish I knew that today when they called telling me I'd be arrested tomorrow! LOL

I love little Chuay!!! He's beautiful!!!

Hey Skippi! I haven't seen you in a while, good to see you!

Sassnlucy!!!! It's so good to see you hun!!!! I've been working3 jobs since November-and not much free time to get on here. I hope you had a nice Christmas and Happy New Year!!!

I understand, I have been sick and not on the boards for a long time! I will talk to you later in the pub...don't wanna hijack this thread! It's great to see you!

skippi thanks!!!! we must always keep in mind that little people and little members can do some very very big things!

First......I wanna say 'HELLO" to all of those I haven't 'met' yet. And, of course..those I 'see' on here on a regular basis. I love coming to these forums!! Has anyone noticed ( I'm sure they have) that the Post ( that started all of this) is written by someone who refuses to give a 'name' or ID?????MMMMMMMMMMM........amazing (NOT!!LOL) I see everyone 'dove' into THIS conversasion. ANY PDL is bad.....going to jail for it?? I don't think so. As I agree with SOOO many of you....how can PDL's charge such a high % rate? This Thread can last for decades..LOL

OMG Big Love is one of my favorite shows ever!

I love Big Love too! I guess all of us great minds think alike. Funny that the person that started this thread meant to intimidate and scare people and instead it has brought all of us together for fun conversation and defense of those that believe these slimeballs! I hope he sees that it didnt work here.

I suppose, every thread 'we' come to, we can learn from. Especially those who start these threads.....those who think they are 'getting away with something. Ya know?

You can not be arrested for a payday loan

PDL's are prohibited in many states. So if the contract is illegal in the first place, how can you be sent to jail? ;^)

This is boring.............................................I thought that in order to press charges for a worthless check you must write a check. In the payday lending business, you do not write a check(unless it is a store front), I guess I need to stop working on my second master's degree now.

:o cute puppy!