Authorized Pay Day

I found some information about them at the BBB.
Authorized Payday

Address: 20423 State Rd 7, #F6 350
Boca Raton, FL 33498
Tel: 888- 355-6148

I wouldn't fax them from your place of employment or you are opening a door for trouble. There was no fax number available at the BBB site. I don't even know if the address above is valid, illegal lenders are continually changing their location status.

Another way to search for an address or email address is to type their name into the search box located in the upper right hand corner of this forum.

From their website

[INDENT]Residents of states outside to UT should contact the regulatory agency of the state in which you reside.

AuthorizedPayday.com
369 East 900 South # 324
Salt Lake City, UT 84111-4331
For questions or complaints, please contact us at:
Phone: 1-888-355-6148
Fax: 1-888-355-6149
e-mail: [EMAIL="loans@authorizedpayday.com"]loans@authorizedpayday.com[/EMAIL]
Utah residents may contact the Utah State Department of Financial Institutions at 801 538 8830.


So what does this mean? Who r they governed by Utah or Florida????
[/INDENT]

Have you checked to see if they have a license in Utah?

I checked, there is no Authorized Payday listed in the Utah licensee data base, but, they might be going by another dba.

[QUOTE=ballplayersmom;717012]
[INDENT]

So what does this mean? Who r they governed by Utah or Florida????
[/INDENT][/QUOTE]
Sorry but I answer so many PM's and posts daily it's hard for me to recall what state you are in, your state laws are what affects you, not theirs.

I am in New Jersey

Just got off the phone with them and they said they are licensed in Delaware?? Shazzers can you check that for me? I told them regardless of whether they r licensed my state law prevails. athey told me to send a complaint to matt @ centrinex.com . Anyone know anything about this? They said he is the owner and handles the complaints. Quote:

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There is no license for Authorized Payday in the DE licensee data base, so, either they are lying to you, or they are going by another name, or both, I would say both.
This is what I found on centrinex:
http://www.debtconsolidationcare.com/settlement/about21828.html

At the BBB I also found the following information, so, you need to file a complaint against them with the BBB so their rating will go down further, and so future perspective customers who use the BBB as a reference will see the complaints:

Name: Centrinex Phone: (800) 351-8820 Address: 9218 Metcalf ave Suite 112

Overland Park, KS 66212 File Open Date: June 2009 Type of Business: Consumer Finance & Loan Companies

Thanks Shazzers! Quote:

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Let me clarify, send an email to the owner with the information I gave you above.

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Well this battle wont be as easy!!! Authorized Pay Day is playing hard ball and they told me to go ahead and file complaints. So this morning I filed a complaint BBB and the FTC. Now as far as all the attorney general offices what do I say in my complaint letters to them??? I am contacting the attorney generals offices in Utah NEw Jersey and KS. ALso contacted Utah Division of Banking and was told that Authorized Pay Day is not licensed in Utah as they claim.

I know my DFI told me that if any internet companies claimed to be licensed here in KY to get them to send proof. Then if they did send me something (which he doubted) to forward it to him and they would file charges for forging government documents.

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This is the email they sent me.

Authorized Pay Day, which is located in Utah, is licensed by the State of Utah to make small loans. All such loans are approved and funded in Utah, with repayment to be made in Utah. Authorized Pay Day loan agreement and website contain all disclosures required by Utah and federal law and make it clear that all transactions are governed by Utah law. On the advice of counsel, Authorized Pay Day maintains that the choice of Utah law as controlling in the loan documents would be upheld, as all of the significant contacts in the loan transaction occur in Utah. The loan agreement is legal and enforceable. In responding to your correspondence, Authorized Pay Day notes and reserves all available legal and equitable objections to the points you have raised.
Authorized Pay Day provided this service as a convenience to you. We still consider your loan to be outstanding and are prepared to go to arbitration as provided for in the Loan Agreement between us. As an alternative, if you are experiencing financial hardship, we will be happy to speak to you about payment arrangements through which you can successfully meet your payment obligations. Authorized Pay Day will consider doing so because of our continuing commitment to servicing our customers and not because of a legal obligation to do so.
Should you have any further questions regarding this matter, if you wish to speak about payment arrangements, please contact us at (801) 538-8830.
Sincerely,
Matthew Crowell

forward that e-mail to your AG as part of your complaint.again total bullsh*t.they think if they send the same stupid letter they will somehow convince you they are legal.they are not.keep sending your letter.you are right he is wrong.in fact matthew is an idiot.

Yeah OK, so now they are saying they offer small loans. whatever. I found no license for them in Utah, ask them to send you the license number so you can call the Utah Department of Financial Institutions at 801-538-8830 and verify it.

OK, and I am going to say this again, so any guests out there who care to dispute this, feel free. Your state law prevails, for you, BECAUSE, you are NOT a resident of Utah and have no presence there, therefore, wherever YOU are located are the payday loan laws YOU follow. Now, these Internet payday lenders are aware of this, but still they insist that if they post a disclaimer on their website that their disclaimer trumps the state laws. Well, it just isn't as simple as that, you have NO presence in Utah, and when you signed up for this loan they KNEW this, because obviously you have to give them your address, phone number, etc., etc. So the buck should have STOPPED right then and there, BUT NOOOOOOOOOOOOOOO, they approved a loan for a resident of N.J. anyhow, KNOWING that payday loans are PROHIBITED in your state. So, you tell me, who's fault is it? Who's state law prevails? Where you have presence, or where you have NO presence? Sorry, but sooner or later these Internet payday lenders are going to have to take responsibility for NOT obeying the laws of the land.

Unless Authorized Payday is going by another name, I can tell you right now that they will refuse to give you the information you request regarding their license status in Utah, because they are NOT listed in the Utah payday loan licensee data base. If they refuse to provide you with that information, then obviously they are LIARS.

Do they Attorney Generals office allow for complaints online or it simply a regular mailed letter?

Shazzers,
So far I submitted complaints today with BBB and FTC. What do I say when contacting Attorney General offices??? Do they accept online complaints? [QUOTE=Shazzers;718382]Yeah OK, so now they are saying they offer small loans. whatever. I found no license for them in Utah, ask them to send you the license number so you can call the Utah Department of Financial Institutions at 801-538-8830 and verify it.

OK, and I am going to say this again, so any guests out there who care to dispute this, feel free. Your state law prevails, for you, BECAUSE, you are NOT a resident of Utah and have no presence there, therefore, wherever YOU are located are the payday loan laws YOU follow. Now, these Internet payday lenders are aware of this, but still they insist that if they post a disclaimer on their website that their disclaimer trumps the state laws. Well, it just isn't as simple as that, you have NO presence in Utah, and when you signed up for this loan they KNEW this, because obviously you have to give them your address, phone number, etc., etc. So the buck should have STOPPED right then and there, BUT NOOOOOOOOOOOOOOO, they approved a loan for a resident of N.J. anyhow, KNOWING that payday loans are PROHIBITED in your state. So, you tell me, who's fault is it? Who's state law prevails? Where you have presence, or where you have NO presence? Sorry, but sooner or later these Internet payday lenders are going to have to take responsibility for NOT obeying the laws of the land.

Unless Authorized Payday is going by another name, I can tell you right now that they will refuse to give you the information you request regarding their license status in Utah, because they are NOT listed in the Utah payday loan licensee data base. If they refuse to provide you with that information, then obviously they are LIARS.[/QUOTE]

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Hi Shazzers
In your message of today, 07:30 PM, in the first paragraph and final paragraph, you speak about checking if they have a Utah license, but based on paragraph #2 I think it is not relevant whether or not they have a Utah license. Because we know they are not licensed in New Jersey, and that is all that matters, right? So why check Utah?

[QUOTE=ballplayersmom;718365]This is the email they sent me.

Authorized Pay Day, which is located in Utah, is licensed by the State of Utah to make small loans. All such loans are approved and funded in Utah, with repayment to be made in Utah. Authorized Pay Day loan agreement and website contain all disclosures required by Utah and federal law and make it clear that all transactions are governed by Utah law. On the advice of counsel, Authorized Pay Day maintains that the choice of Utah law as controlling in the loan documents would be upheld, as all of the significant contacts in the loan transaction occur in Utah. The loan agreement is legal and enforceable. In responding to your correspondence, Authorized Pay Day notes and reserves all available legal and equitable objections to the points you have raised.
Authorized Pay Day provided this service as a convenience to you. We still consider your loan to be outstanding and are prepared to go to arbitration as provided for in the Loan Agreement between us. As an alternative, if you are experiencing financial hardship, we will be happy to speak to you about payment arrangements through which you can successfully meet your payment obligations. Authorized Pay Day will consider doing so because of our continuing commitment to servicing our customers and not because of a legal obligation to do so.
Should you have any further questions regarding this matter, if you wish to speak about payment arrangements, please contact us at (801) 538-8830.
Sincerely,
Matthew Crowell[/QUOTE]
To file a complaint in the state they say they are licensed in. See the above post.
David1277749905 wrote:Quote:

I will call Utah AG office tommorrow and see if they can help me. I figured this one out to be $860.00 on a $200.00 loan. Does anyone know how long it takes once u file with the BBB and FTC to get a response. I cant understand why this company didnt just settle. Isnt it easier for them to just settle then to have people snooping around in their illegal practices? They didnt seem to care that I was filing complaints against them.

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Well they dont seem to care that I filed any complaints. In fact they told me if I filed complaints they will no longer speak to me on the phone about the situation. Really can the BBB and FTC and Attorney Generals get companies to issue refunds??? I think I am fighting a losing battle with this one.

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