My letter to Quik payday--Jarem S.(my rep)

Jarem---

With due respect to your companies offer, I am considering you, providing that you or your company can provide me with the following information:
1. Is Quik Payday licensed to due business in the state of Alabama? Can you provide me with your license number so that it may be verified by myself or my attorney?
2. Has your company ever read the State of Alabama Banking Department regulations for Deferred payment loan providers? If so, you guys would clearly know that you are not allowed to renew or "roll-over" a transaction more than one time without a payment to the principal amount. I was informed of this information by the Attorney Generals' office directly, who I am in contact with at this time. I am forwarding the names of all the companies I have done business with and copies of the contracts that were intiated with me. They have been very interested in the practices of the internet providers to say the least and are investigating it at this time.
3. Over the past year or so I have paid your company 1000's of dollars in renewal fees and have more than paid any loan at least 10 times over. If I am not mistaken your company has even charged more than the maximum amount of interest allowed.

I, in good faith, included your company in my agreement with T & C because I wanted to honor my debt, by after close evaluation I am reconsidering my options. Like I said, please provide me in writing or e-mail (which I can print) the above information and I will make let you know of my decision. All further contact can be done through email or writing, you cannot reach me any other way.

Thank you for your speedy attention to this matter and I look forward to hearing from you soon.


Thank you,

Stephanie Cocke

>From: "Jarem S"
>To:
>Subject: QUIK PAYDAY
>Date: Thu, 27 apr 2006 08:22:05 -0600
>
>Hello Stephanie,
>
>My name is Jarem with Quik Payday.
>
>I'm sending this e-mail today in regards to your outstanding balance of
>$400.00
>
>I would like to work with you on making arrangements to get this paid off.
>
>Please reply to this e-mail or give me a call toll-free at 1-866-300-9935 as
>soon as
>
>possible so we can get this worked out for you. If your account information
>
>has changed or if you would like to pay by credit or debit card please fill
>in
>
>the information below. I will be waiting to hear from you. Thank you!
>
>CHECKING ACCOUNT PAYMENT:
>Routing # (if different)
>Acct. # (if different)
>Payment Amount/Date
>CREDIT/DEBIT CARD PAYMENT:
>Name on Card
>Credit Card #
>Expiration Date
>Billing Address
>Payment Amount/Date

>Thank you,
>
>Jarem S
>
>Quik Payday
>
>jarems(at)quikpayday.com
>
>1-866-300-9935