More trouble with Cash Transfer Centers...

Sukie is a famous one of Sonics callers. T&C will handle Cash Transfer Centers. Contact your couselor, tell her what is going on, and what Sukie said. This is a famous scare tactic of theirs.

Crystal, you must have your contract in writing mentioning about the wage garnishment clause. Besides, wage garnishments can't be done without a legal appearance in the court. You must be served a notice to appear in the court before any further actions are taken. The judge will decide if you had been unsuccessful to pay the debt. Besides, if garnishment really happens, there are federal laws of wage garnishment. They can't take more than 25% from your pay roll after deducting the disposable income.

Though, this is the secondary thing, they might send your accounts to some third party collections and dealing with them is nothing better. So, your concern should be to take care of this matter by directly dealing with them.

Talk to your consultant and make him aware about the whole situation. Let him send the money to the company. Though the company might return it back, but the fact should come out that you had been trying to pay the debt through your consolidator and it was the company who was not accepting it. Ultimately, the company will also understand that you hold a stronger side here and will have to accept the money. Be sure that every correspondence is done through certified mail with return receipt requested. Keep copies documented in a file. This is important to prove the dates and the actions taken to resolve the matter.

Talk to your payroll dept. also and make them aware of what the payday company intends to do. They will be prepared about it and let you know if any doubtful activity happens.

I called T&C, they said they would call them and get back to me.

I AM the payroll dept at my office, LOL. I work for the County. I just was reading one of the past posts on here about wage assignments, and it said that no deductions can be made thru state, local or federal govt. employers. That is what I am- does that apply to me? I do not have the original agreement.

I told "Sukie" that T&C was sending them a payment. She said they would cash it, but it just would lower my debt, that it did not mean they were accepting payments from me. I am so frustrated. And when I called T&C, they acted like they had no clue. I know from talking to others on here, that they are very knowledgable about this stuff, why do I feel like they don't know what is going on with me?

CTC also just called another reference here at my office- not 5 minutes after I talked to them! Can they keep calling the two people I put down as a reference? Can they garnish or assign my wages? What am I looking at here? If they cash the payment that T&C sends them, doesn't that mean they are accepting payments?

Thanks for info,
Crystal

Sonic uses wage assignment and not wage garnishment for threats. Wage assignment and wage garnishment are entirely different from each other. They are not the same thing.

Wage assignment does not require any court hearing but it has to follow some legal requirements. The first and foremost is that you have to sign and approve this in paper while you entered into the contract and Sonic uses a digital signature which is not valid. I think you must read the page below for a better understanding.

http://www.debtconsolidationcare.com/forums/wageassign-legal.html

Quote:

Crystal,

Sonic aka Cash Tranfers is no fun to deal with. I know because I have recently gone through the same thing myself. I am too with T & C and they will accept payment. Send them a cease and desist letter stating they cannot contact you at work, home, or your references regarding this matter. State that all correspondence with you should be done by mail or through your debt consolidation company. Send it by certified mail with return receipt requested. Once they violate it, file a complaint with your consumer protection office, the FTC, BBB, and whoever else would fit the situation. More than likely, they will violate it. They have done so to most of us on here. They have done it to me on several occasions. Once they accept payment through T & C, they cannot turn it over to a third party collection agency. They will play games with T & C as well but it just how they operate. Hold your ground and be patient. The more complaints we have against this company, the better. They just need to be shut down.

Also, include in the letter that you are revoking the voluntary wage assignment with them. I did this as well and it is helpful in my complaints against them.

I just read my loan agreement from CTC and I didn't see anything that said that they could slap a wage assignment or agreement on you.

notell39,

Wage assignment should have been clearly mentioned in the contract while you signed it with them. They can't make the wage assignment legal unless you have signed on it in person. Digital signatures are not valid on wage assignments. Send a letter of revocation to the company and send a letter of 'Notice of Defense' to your employer. This will help you to stop the company from deducting from your pay stub.

I hear you. Like I said, I saw nothing that gave them the right to call your employer and do the assigment thing.

Some payday loan companies try to include wage assignment while you sign the contract with them. They are also getting your personal information including your bank so that you are exposed to them fully. After reviewing the contract very thoroughly, if you have not found wage assignment mentioned in it, send a letter to the lender revoking the wage assignment. You must also inform your employer in writing so that they the company does not try to deduct money from your pay stub. It's important that you send your letters through certified mail and have every copy documented in a file for records.

Another thing that needs to be brought up about the wage assignments, is that they need to be signed in person. Digital signatures, and your signature sent back over a fax are NOT acceptable. Wage assignments are also totally voluntary, and can be taken back at anytime.

Regards-
Mike

Sonic likes to hide this information but they will try it to get their money back. They follow their own rules so be careful in dealing with them.