Now I'm scared

Now you wait for a reply from them. Same as me! I did 1 revoke, was going to do the other, can't find an email for them and don't want to call them! Guess I need to mail it certified? LOL UGH!

I have been on here for days researching because I am in way over my head.

After many discussion and being told to do so, I sent ACH revocations letters.

I have been asking about CSOs and no one has given me an answer.

After searching other posts I find out they do not have to follow payday loan laws.

Well come to find out one of my lenders is a CSO--PayDayOne and I have already sent them the letter.

Now what do I do? They are charging enormous amounts and I am not even paying on the principal.

After they receive the letter, they may not even be willing to work with me and want the whole amount upfront. I have already paid them well over $1000 and do not have $1000 more to give them at this time.

I am scared I followed some bad advice.

PLEASE PLEASE HELP ME!

You aren't scared? I am literally about to cry because I am so in debt right now. We have over $100,000 in medical and that is how I got in these mess. We are fixing to be sued over funeral expenses on my husband's mother, that I signed for. I can't afford to pay them. Everything is going to these bloodsuckers. I have been so depressed and actually thought of suicide. May be pushed over the edge this time. I have been depending on the help of my mother, father, and brother to pay light bills and buy groceries. Do not want to tell my kids what I did. They just think I am in over my head because all of the medical is in collections.

I was just looking for other ideas and I don't see why we can't file a complaint! http://www.ofi.state.la.us/complaints.htm

I also read this
http://www.debtconsolidationcare.com/paydayloan/updatedpaydayloan-regulationsbystate.html
Especially read the NOTES section.

I'm filing a complaint tomorrow morning and I am also going to mention to get an answer as to why online loans are not required to be the same as a store front loan company. I don't see a reason for them to be different!

Hang in there!

These predatory loan companies really suck, and I'm scared too. I owe too much and don't make enough money.

BUT, what's the WORST thing that can happen? Can they sue? Sure. Can you go to jail? Nope.

Suicide is the worst thing that can happen.

Please hang tough. I know its rough.

Perhaps pleading your case to a manager will result in a settlement offer? Tell them bankruptcy is your only other option!

Hang in there!

Hi frugalmoma:
I saw that on here also. That is what is so frustrating. One place says one thing. Another place says another. According to the office of financial institutions--the rate is capped at $55 which is $45 finance charge and $10 documentation fee. The link you placed, which I had already seen, says $25 per hundred borrowed. Why are they saying that? Number one that is not what our law states and number two per hundred borrowed? You are supposed to be able to only borrow $350. As far as the complaint, I had thought of it but think I would just be wasting my time. I had already talked to the head honchos and they do not want to be bothered. That is what our state and nation is coming to. Excuse my language but I am thoroughly frustrated--screw the little man. Who cares? I am up in Washington or down in Baton Rouge. I draw a nice fat paycheck and go to work each day and sit in a cushy, air conditioned office and have everyone do my work for me so to ____ with you!

And this forum is also getting me frustrated. I have posted and posted and all I hear are the same things, file a revoke, etc. Now no one is even answering. Guess they are backing away because I am asking too many questions. Well I have a right. I want to know what I am getting into. I am not worried about anyone but PayDayOne. Have everything worked out with the legals and the tribal lenders can go fly a kite. Bring it on. I will be getting sympathy from the judge after producing what they have taken out of my account so far. Almost a months pay on just one loan. If not what are they going to get. It is all going to the payday companies. As far as paydayone, I got answers that they were a cso but then the answers stopped. How do you deal with them since they are not required to follow any laws? Am I wrong for asking? Now I feel like I have the plague or something. After following the forums advice, I may be into something even deeper than what I am trying to get out of. Have been trying to research cso's but am not getting much information. That is why they can do whatever they want and skirt around the law because everything is so vague and they are hiding behind other companies.

I am just so tired and frustrated. This has been over a year of pure you know what. After all the medical issues then was dealt another blow with the grandbaby. I had to be strong for my daughter. I have always be the stable force in the family because to just put it bluntly my husband does not care about anything. My daughter (in tears) told me right after the baby's diagnosis and I was visiting her that "Mama, you have always been strong. I am not like you." She did not know how much I was hurting but I had to be strong for the next 5 months and could not break down. Had to hold it all inside so it finally came out these past few months. All the ordeals of the past year. And even though she thinks I am strong, I just do not know how much more I can take. I know God says he will not put on us more than we can bear but it is so hard. And I know I brought this on myself but am trying to find a way back to a somewhat normal life. Sorry to ramble on but it just came out. Thanks for listening.

To unregistered:
Thanks so much for replying. I am trying but it is getting so hard to keep going on living like this day to day. Worrying. Crying. Waiting for what will happen next. I don't know when the next bomb will fall or where. I literally have nothing else to give.

I was talking to my sister-in-law this afternoon, crying the whole time, and finally confessed what I had gotten myself into. That is the problem with these companies, they do not check to see how many loans you have, what you can afford, even if you work. They are just after the money and know they are causing an endless cycle. Just for the almight dollar. Guess I can take comfort in knowing they will one day get what they deserve.

Quote:

Very blunt, aren't you. Yes it is a public forum so you do not have to answer my questions. You do not even have to look at my posts or threads. All I am asking for if where your or anyone's information is coming from. I am sorry if that is too much to ask. I am doing what you say but what happens then? Are you going to go with me to court? You are posting links but where are the links coming from? Guess I am not supposed to have a brain. Oh, that right. I don't have one or I would not be on here. I would have already used it. I will converse with whomever I please. You do not have to read it. If someone is nice enough to contact me back, I will talk to them. Have a nice night!

To frugalmoma:
Sorry I am not allowed to converse on here. Was basically told so. Good luck!

The information we provide comes from hours and hours of going thru each individual states laws concerning payday loans. If you read the forum you will see that Ohio Girls payday loan link is somewhat of our bible.

You are just going to be patient and wait for your advise...it you want fast or instant advise, hire an attorney. Otherwise please dont get testy and state that you are frustrated cause no one is responding. Or maybe we have given you all the information that we have and you are beating a dead horse.

OhioGal, our resident PDL guru lives in Ohio...it it well after midnight. When she logs in, I am sure she will read your post.

I am sorry if it offended anyone. All I am trying to find out is what a cso can do.I posted and was told to do the revokes, which I did. Then someone posted back stating that paydayone was a cso and said they did not have to follow state laws. I asked and asked and no one would respond. If anyone can point in the right direction, that would be great. I have been looking and can't find out much. As far as an attorney, don't think I haven't been there already. The only reason I was talking to frugalmoma is because she is from my state and understands what I am going through when no one will touch this matter.

PayDayOne is a CSO and is licensed to lend in your state.

If you default on your loan, they can send you to collections and/or sue you.

Generally, PDO is a very easy company to work with and will offer you and extended payment plan if you can't afford to make your payments as scheduled an/or are in a bind.

Payday loan laws for your state don't apply to PDO.

I suggest you call or email them and ask for an extended payment plan. Generally, they will break your current balance due into 4 or 5 payments due over your next 4 or 5 pay dates.

thank you ohiogal.i needed backup in the worst way.you see i was the one posting about them being a CSO as well.again thanks ohiogal.

Ohiogirl,
I am in the same situation with PDO. My husband took out a $900 loan, we have only paid $281 that was part pay, part fees. I can't afford to break the payments up to 4 or 5 payments. According to their site, we still owe $1100! I just don't have it!

I sent a revocation email to Cash Central and told them I was willing to pay $125 a month at the end of June, July and August to pay them off. I hope they go for it. I am to the point where I can only afford $50 a month for payday one and I doubt they will work with us on that! I say I as I am the one who does our bills and budgets our money!

Magnum Cash Advance has NO email addy, so not sure what to do there :(

Not even sure what to do or how to handle the Western Sky/Cash Call situation.

Sorry for posting on here, but my posts all have the standard copy/paste what to do, no help what so ever!

If you can't afford the EPP that PDO will offer, explain that to them and tell them about your situation. If they still can't help you, you will have to default on the loan and work with their collections department for a payoff. At that point, you can revoke ACH authorization and set up an alternate payoff arrangement with their internal collections department. As long as you work with them, make an agreement and then stick to it, you'll be fine. Is Cash Central legal in your state? If not, I'd pay PDO before I would pay off an illegal lender; they can wait :)

Magnum Cash Advance - try [email]support@internationalcashadvance.com[/email]

What is the Western Sky/Cash Call situation? They're illegal and they know it but they're stubborn and threatening and tend to scare people into paying them out of fear. Don't let them do that to you.

Thanks OhioGal.
That is what I was trying to find out and why I was getting frustrated. PaulMergel was the one who told me they were a cso and was trying to find out what to do since I had already sent them the ACH revoke. I did receive a response from them this morning. This is what they sent

Your correspondence has been directed to me for review.

PayDay One of Delaware, LLC (PayDay One) is a limited liability company, organized and operating under the laws of
Delaware. PayDay One is a licensed lender under Delaware law and is regulated by the Delaware State Bank
Commissioner. PayDay One lends via the Internet and has no physical presence in the state of Louisiana.

The Louisiana Office of Financial Institutions has acknowledged that online lenders offering loans to Louisiana residents are not subject
to Louisiana???s licensing or consumer lending laws unless such lenders have a physical presence in Louisiana.

As you expressly agreed to in your loan agreement, your PayDay One loan was funded from, and will be repaid to, PayDay
One's bank account in Delaware. Delaware law applies to your loan and accompanying documents.

Pursuant to your request, we will longer attempt further ACH debits from your account.

As of today, you remain obligated for the balance on your loan. We encourage you to contact our Account Services
department at 866-580-1227 to discuss payment arrangements or alternative options in order to resolve your account.

If you have further questions, please contact Account Services at 866-580-1227

So in other words, if they do not have a presence in Louisiana, they do not have to follow our laws. Just what I was told by all of our officials. So these loans I have are all legal unless they have a storefront here. So what I am getting at is, all internet loans are legal in Louisiana and I am liable for them unless I can prove them have a physical presence in the state. What about the tribal loans? I sent them revokes and received a response from one just stating that they received my email and would respond. They are answered in the order they are received. Sorry about my long posts but I am trying to figure this all out. Thanks again.

Hi. It's me again. Got a little raked over the coals but am still hanging in there. I know I tend to go on but am just trying to figure things out. I know what you are talking about with PDO. I borrowed $650 and have paid them well over $1000 so far only in interest. I started with $200 and they kept increasing it so I went for it because I needed it to pay them back. Now the interest payment alone is $250 so I can't even hit the prinicpal. I will be calling them and see if they can work with me. I am paying them $200 or so anyway in just interest so guess I can try to do that if it is going directly to the principal. If not I will have to do what OhioGal told you. Let it go into collections. Usually collections will drop the fees off and work out a payment plan with you as long as you stick to it. That is what I need on the call yesterday. Good luck!

I think you're confusing things.

Online payday lenders who are tribal, or offshore are operating illegally. Your state's laws apply to companies who are LEGAL.

These offshore lenders and tribal lenders get away with this because they use pieces of the law that favor them while completely ignoring the fact that they aren't licensed to do business anywhere in the U.S.

Also, you're forgetting that, if a lender is not operating as a payday lender but they're offering "installment loans," or acting as a CSO, those PDL laws don't apply to them and the office of financial institutions has no jurisdiction.

I hope this helps.

Who were your other lenders and how did you determine if they were legal or not?

PDO with honor that ACH revocation and they'll work with you to pay off the loan. You should be able to work out an affordable pay off with them.

Hi OhioGal:
Thanks but can I ask a question? PDO is a cso and offering installment loans, correct? How do you determine it is an installment loan? My paperwork looks just like all the other paperwork on my payday loans. I am not paying back monthly payments like you do when you get a loan from a business. I know this may appear a stupid question but was just wondering.

Here are my other companies--Ace Cash Express but I know they are legal and I only owe $175.50 which I am paying off this week.

PayDayOne-which we are discussing.

Speedy Cash

500fastcash--tribal

OneClickCash--tribal

Cash Central
and
CashNetUSA

The three-PDO, 500fastcash, and OneClickCash are the ones I really overpaid and were putting me so far in debt but would like to know if these others are legal or have a presence in my state so I will know how to proceed with them.

Thanks so much for your help. Finally feels like I am getting somewhere. Am going to bank so will check later and see if you had the time to find out anything. If not, I will just keep looking for your post.

Hi, I just back from the bank and was looking on the forum and answering a question about my situation yesterday. Looked under my other email--the one I do my business on. I had sent the revocation to payday one, then found out they were a cso and they did contact me and honor my request and asked me to call them. Which was great. Then I get this email:

Thank you for recently contacting PayDay One customer support. We are constantly striving to improve our service, and are interested in hearing how well we met your expectations. Answer a few questions and you will be entered into a drawing for a $50 Target gift card*. The survey should take less than 2 minutes.

Please click the link below to get started:

[FONT=sans-serif][URL="https://www.surveymonkey.com/s/DTJF8FZ"]https://www.surveymonkey.com/s/DTJF8FZ[/URL]
[/FONT]We thank you for your time and we look forward to your feedback.

Sincerely,
The Payday One Customer Support Team
[EMAIL="support@paydayone.com"]support@paydayone.com[/EMAIL]
Ph #: 866-580-1226
Fax #: 866-581-1228
Mon. - Fri., 7am to 9pm CT
Sat., 8am to 4pm CT

-----------------------------------------------------------------------------------------------------------------------------------------------------
IMPORTANT DISCLOSURES: PayDay One and its affiliates offer payday advances, installment loans and credit services to residents in those states where permitted by law. Restrictions apply, not available in all states. Loan amount varies based on your application and state laws. Please visit our website [URL="http://paydayone.com/"]PayDayOne.com[/URL] for complete list of terms and conditions for each state. To obtain a loan, you must have a valid checking account, email address, and identity verification. In most cases, applications that are received and can be verified prior to 5:00pm Central Time (Monday - Friday) will be funded the next business day (excluding weekends and bank holidays). Applications received after 5:00 p.m. Central Time (Monday - Friday) may require an additional business banking day to fund. See website for details of Great Rate Guarantee. *Target is not affiliated with this offer.

In TX and OH PayDay One is a Credit Services Organization operating in accordance with each state's applicable Credit Services Organization Act. PayDay One is not the lender or a fiduciary of the lender, and cannot promise that the lender will extend credit to you. PayDay One is licensed under the CA Deferred Deposit Transaction Law by the CA Department of Corporations. In Ohio, PayDay One Express of Ohio, LLC is licensed by the Department of Commerce, Division of Financial Institutions Certificate No. CS.900086.000

CONSUMER NOTICE: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

We respect your right to privacy. To see our privacy policy, please click Privacy Policy.

To ensure deliverability of future emails from PayDay One, please add [EMAIL="updates@mkt.paydayone.com"]updates@mkt.paydayone.com[/EMAIL] to your address book or safe senders list.

This email was sent by PayDay One
4150 International Plaza, Ste 400
Ft. Worth, TX 76109
?? 2011 PayDay One. All rights reserved.

Now I am really confused. I know I am overanalyzing everything. It states PayDay One and its affiliates offer payday advances, installment loans and credit services to residents in those states where permitted by law. Then it goes on to say In TX and OH PayDay One is a Credit Services Organization operating in accordance with each state's applicable Credit Services Organization Act. So are they a cso in Louisiana or not? It does not state that. If you are licensed as a cso in one state, does that automatically make you one in another? They are registered as a payday lender in Louisiana from what other people have posted. I know I am stupid. Please explain!

Ohio Gal:
Sorry I was going back over your answer and did not see the part that asked how I determined they were tribal lenders. The two I have are with 500fastcash and OneClickCash and on both documents it clearly states they are wholly owned by such and such tribe and blah, blah, blah. I can attach that part if you like. thanks.

I pulled up the website and also my contract and here is what I found so can you tell me if they are legal or not? And what I have gotten myself into?

On the front page of their website it says:

OneClickCash?? is a division of SFS, Inc. The Santee Sioux Nation of Nebraska has established SFS, Inc. as a tribally owned lending entity. The Santee Sioux Nation of Nebraska is a federally recognized Indian Tribe, organized pursuant to the Indian Reorganization Act of 1934, 25 U.S.C. ?? 461 et seq. whose reservation is located within the United States of America.


Also in the contract:

[COLOR=#000]LIMITED WAIVER OF SOVEREIGN IMMUNITY: AS A WHOLLY OWNED SUBDIVISION OF A FEDERALLY RECOGNIZED INDIAN TRIBE, SFS, Inc. dba OneClickCash, AND ITS DIRECTORS, OFFICERS, AND EMPLOYEES ACTING WITHIN THE SCOPE OF THEIR AUTHORITY, ARE NOT SUBJECT TO SUIT IN ANY COURT IN ANY JURISDICTION, OR ANY OTHER FORUM, ABSENT A WAIVER OF SOVEREIGN IMMUNITY. SOLELY IN ORDER TO PROVIDE FOR THE RESOLUTION OF A DISPUTE THAT WE CANNOT RESOLVE TO YOUR SATISFACTION, SHOULD ANY OCCUR, SFS, Inc. DBA OneClickCash HEREBY CONSENTS TO A LIMITED WAIVER OF SOVEREIGN IMMUNITY, AS EXPRESSLY SET FORTH HEREIN, AND FURTHER LIMITED BY THE ARBITRATION PROVISION CONTAINED HEREIN. THIS LIMITED WAIVER IS STRICTLY LIMITED TO INDIVIDUAL ARBITRATION CLAIMS AS SET FORTH BELOW AND JUDICIAL ACTIONS TO ENFORCE SUCH INDIVIDUAL ARBITRATION AWARDS AS STRICTLY LIMITED HEREIN. [/COLOR]
[COLOR=#000]PLEASE BE ADVISED THAT IF YOU CHOOSE TO OPT OUT OF THE FOLLOWING ARBITRATION PROVISION AS DETAILED BELOW, YOUR ONLY OPTION OF PURSUING A CLAIM AGAINST US FOR ANY UNRESOLVED DISPUTE WILL BE TO TRY TO BRING AN ACTION IN A COURT OF COMPETENT JURISDICTION, IF ANY EXISTS, BUT IN ADDITION TO PROVING YOU ARE ENTITLED TO ANY RELIEF OR DAMAGES FROM SFS, Inc. DBA OneClickCash, YOU MAY ALSO HAVE TO PROVE THAT WE ARE NOT ENTITLED TO THE BENEFITS AND PROTECTIONS OF SOVEREIGN IMMUNITY. [/COLOR]


[COLOR=#000]BY AGREEING TO THE TERMS OF THIS ARBITRATION PROVISION, YOU HEREBY AGREE AND ACKNOWLEDGE THAT YOU ARE WAIVING YOUR RIGHT TO HAVE A COURT RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES. [/COLOR]
[COLOR=#000]THIS ARBITRATION PROVISION DOES NOT PREVENT YOU FROM FILING YOUR DISPUTE WITH ANY FEDERAL, STATE OR LOCAL GOVERNMENT AGENCY THAT CAN, IF THE LAW ALLOWS, SEEK RELIEF AGAINST US ON YOUR BEHALF. [/COLOR]

[COLOR=#000]Governing Law: Both parties agree that this Note and Your account shall be governed by all applicable federal laws and all laws of the Santee Sioux Nation of Nebraska, the regulatory authority of SFS, Inc. dba OneClickCash, regardless of the state or jurisdiction in which You may reside, and Your electronic signature below is your consent to the exclusive exercise of regulatory and adjudicatory authority of the Santee Sioux Nation of Nebraska over all matters related to this Note and Your account, expressly and forever forsaking any other jurisdiction which either party may claim by virtue of any reason, including residency. [/COLOR]

[COLOR=#000]It keeps stating they are a federally recognized tribe that was set up for lending purposes.:confused:[/COLOR]


[COLOR=#000]How is anyone supposed to understand all of this? I know it is my fault. We are supposed to read everything but that does not mean we understand it. So what I am asking is are they legal or not?[/COLOR]

WOW! I'm really confused with Payday One! I wish I knew the answers, I'm trying to figure out what I need to do with this one myself! lol

You would think if it were a CSO in Louisiana that email would state that! I did not see Louisiana listed anywhere! I can't even find info on it searching CSO in Louisiana. I don't see them listed as licensed in Louisiana either. At least from everything I have read I've never found conclusive evidence that this is a legal lender in La!

Western Sky is due tomorrow. I know they are tribal and illegal. They sold the loan the next day without telling us that the loan would be sold. Now it's in Cash Call's hands. I did not send a ACH revocation email because I do not know who to send it to!

I've also posted 2 threads myself, but have yet to see any replies. The phone calls have already started at my husband's work! His bosses tell the callers he isn't allowed phone calls at work, and they continue to call! Boss went to get my husband today and when he got to the phone, they had hung up! WTH!

I'm glad they are closed tomorrow and off Sat and Sun. Maybe they'll stop calling with no answers! I just want to put this all behind us!

Sorry to hear about the phone calls. I haven't sent all the ACH revokes yet. Most of my loans are not due for a few weeks. I am still waiting to hear back from OhioGal as to the legality of some of them. The ones I know are licensed here I have already spoken with and worked out arrangements. The two I thought were tribal are tribal but are stating them are legal tribes under the federal government so I have posted trying to find out information on them. I sent them ACH revokes so expect to be hearing back. One is due tomorrow and will not be able to come out. The other one is not due until the 4th and I received a response saying they had received my email but it would be answered in the order it was received. PDO acknowledged my email with the response I posted and then sent the second one wanting me to recommend them. You have to be joking!

As far as the calls I clearly stated they were not to contact, call, etc. And to make sure they understood, I put it again in big, bold, capital letters that they were not to contact or call me, my employer, relatives, friends, or anyone I knew. If they needed to respond to me, they needed to do that through either my email or through the postal service so I could have it all documented and on file. I told them to do so would be in violation of FTC laws and that I would respond accordingly to those violations. That doesn't mean they won't try but they will be reported.

As far as PDO, someone on this site showed they were listed under the OFI website as being registered. I am going to look on there again. I think I did see them. If so, that means they have a storefront somewhere, correct? I am still going through all this and trying to let it absorb. Because they clearly stated that there were an internet company and did not have to abide by our laws. If they are registered, then they do. Will let you know if I find them.

Hoping you the best. We just have to stick in there until we can find out about this PDO thing.

I'm going to have to do some additional research on this one. You've brought up several good points. I'm getting the feeling PDO is sliding by in some places.
Let me get back to you.

Yeah, I am still confused about the cso thing. But according to our state officials and I talked to every one of them directly here in Louisiana, they do not regulate internet payday loans. They only regulate the ones who have storefronts. Paydayone is registered in the state of Delaware to do business. These companies know which states like Delaware and Missouri have the highest interest, largest loans, etc. and are using that to their interest. This company is not willing to negotiate on anything. I guess I will just have to let it go into collections and go from there. I have paid off the loans that were registered in their states and who did not suck me dry with interest. I only have paydayone and a storefront loan to deal with. The storefront loan is not abiding by state laws. Even though I have not had any problems with them, I have way overpaid so am contacting Mr. Braud again at the Office of Financial Institutions and tell him about this. Since he clearly doesn't want to be bothered with the internet loans, this is located right here in the state so he has to regulate it. Now he needs to do his job. Sorry but that is what he is getting paid for. We have the strictest payday loan laws because we are ranked number 2 on the poverty level of states but they are letting these internet companies get away with murder. I know I am rambling but it is frustrating. Attorney says file bankruptcy because of the medical and these loans. So I am trying to figure out where to go. Thanks.

funny that the site has this disclosure:

Our forum is an open platform thus messages posted in it are the sole opinion of the poster (author) and he/she is fully responsible for it. The comments are not endorsed by debtconsolidationcare.com or our parent company InterNext Technologies INC.

We do not assume any duty for enforcement of rules or to filter users statements; all statements are merely the opinions of the authors and website is merely providing a forum for the venting of such opinions. Not all users are equally sophisticated in their manner of written expression, and some may resort to hyperbole in their expression of distaste regarding the activities of others, but these must be taken not as representations of fact, but merely the (perhaps excessively emotional) outburst of pure opinion. In any case, and without limiting the power of the administrative staff of the website to remove statements if they be found offensive, neither the administrative staff nor the website/InterNext assume any duty with respect to expressions others may find offensive or defamatory, or any liability for the expressions of the views of the authors, who must be held solely accountable for their actions

What are you referring to in the comment about the disclosure? I am confused.

just that the site is not liable for any information given. It's kind of scary when legal opinions are given and they are not lawyers.

Excuse me?? The experts here have spent A LOT of time research the laws and state statutues. I personally know more about student loans than probably 95% of the US attorneys out there. We give advise....you dont like it, go away.

FYI...I do have a LLB or the US equivalent of a Juris Doctor after my name.