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Northway Credit

Date: Thu, 06/01/2006 - 11:39

Submitted by anonymous
on Thu, 06/01/2006 - 11:39

Posts: 202330 Credits: [Donate]

Total Replies: 84


Does anyone have any information on Northway Credit? I got a payday loan from another company, but this is the company that appears on my bank statement. I got a phone number from my bank and tried to contact them for about a week, because I knew that my payment would not clear, but couldn't reach the original creditor. What should I do?


Check your bank statement and see if it is Northway Debit. I have no idea about Northway Credit.

If it is Northway Debit in your bank statement, you must use your extreme caution. They are affiliated with Sonic Payday AKA Cash Transfer Centers.

Request your bank to block the transaction code of this company. Once this is done, the company won't be able to make further debits in your account.

Meanwhile, try to get in touch with the actual company and request for the latest standing of the loan account. Review the statement and plan your payments.


lrhall41

Submitted by curlycarl on Thu, 06/01/2006 - 11:52

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Thank you curlycarl for that info, I will get on it right away. I was wondering why you said to use extreme caution? Is there something I need to worry about?


lrhall41

Submitted by on Fri, 06/02/2006 - 08:05

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Hi CindyLa

If the company in contact with you is Northway Debit, you have to be careful with them. They are actually related with Sonic Payday. This company was originally based in Canada and many laws were violated by them. Hence, they started lending in US without proper licensing. Sonic does not follow the legal procedure of lending in many US states. Be aware of the laws mentioned in the Truth In Lending Act and you will understand about their illegal activities.

Many here have got a refund from Sonic Payday. The consumers were charged excessive interest rates and fees. You first need to confirm the name of the company you are dealing with. If it is Northway Debit, we will help you out from that point. Don't worry!


lrhall41

Submitted by john on Fri, 06/02/2006 - 10:06

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After a lot of digging I found out that it is Northway Debit that extracted the money. And Northway Credit that made the deposit for Cash Transfer Centers (that was the company I had the on-line loan with). I just got a call telling me to pay the total loan, plus fees ($566.00)by 6:00 Monday (June 5)by Money Gram. I wanted to try and work out a payment plan but was told they didn't do that. I won't have the money by then, and I told them that. What's next. I am going to call my bank to see if they will put a hold on the ID Code, but what else can I do. By the way, I live in Indiana. Thank you so much for your help.


lrhall41

Submitted by on Fri, 06/02/2006 - 11:22

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Don't pay anything more than the usury laws of your state. Have a look at this link for the payday loan regulations in Indiana. You must pay within the permissible interest rates and fees. Northway Debit has caught others with excessive charges. Now, they are refunding back some of the customers. Be proactive while you are dealing with them.


lrhall41

Submitted by Gretchin on Fri, 06/02/2006 - 12:26

( Posts: 482 | Credits: )


Thanks Gretchin for that link. I am printing it out now. The information from this forum has been very helpful. Since I know I won't have $566 by Monday @ 6:00, how soon will I be sent to collections, since they won't work with me to make partial payments?


lrhall41

Submitted by on Fri, 06/02/2006 - 13:11

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In general, the accounts are sent to collections after 90 days past due. I am not sure about this company since they have tie ups with CA's not having good online reputation. You must cover your basis by documenting everything. In the rarest situation, if the matter reaches the court, you will be able to prove your side of the story.


lrhall41

Submitted by curlycarl on Fri, 06/02/2006 - 16:12

( Posts: 616 | Credits: )


CindyLa, I am from Indiana too and Im dealing with Cash Transfer Centers. Out of all my payday lenders, they are the only one who s giving me such huge problems. They refused to cooperate, refused to arrange payments, and they kept harassing me. They threatened to garnish my paychecks.

I plan to send them a payment I can afford and see if they will accept. If they did, then surely they can do payment arrangements. They are just playing hardballs and want ALL money upfront.

The only problem is where do I send the money?


lrhall41

Submitted by sapphiredreams on Sat, 06/03/2006 - 04:47

( Posts: 272 | Credits: )


When dealing with Sonic, Cash Transfer Centers, Northway Debit, E-Care Centers you have to be strong and hold your ground and let them know that they are not going to get away with their threats. Send them the wage revocation letter certified mail with return receipt and give the employer a copy. As we all have found out that their wage assignment means nothing.
They have so many bogus addresses it is hard to find a correct address. Do not send them anything by money gram or western union. According to the AG in my state, I didnt have to send anything out of the US.


lrhall41

Submitted by Not so Lucky on Sat, 06/03/2006 - 08:10

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Thanks Tammy for that helpful information. Do I get the wage revocation letter from my employer? How soon will they start harrassing me? I tried to get the bank to block their ACH ID, but was told that I couldn't do anything until they actually try to debit money from my account, only then I can file dispute and have their ACH ID blocked. Does this sound familiar to anyone?


lrhall41

Submitted by on Mon, 06/05/2006 - 08:42

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Cindyla, I had an account with CTC and they started harassing me few days after I defaulted (never mind that I did call prior to the due date to arrange payments, they would not hear of it). They demanded I pay up front or they will "garnish" my paychecks. To make long story short, I got my local police involved and they ceased from harrassing me. I have no idea what the Lt. said but they did not bother me once since then. Lt. told me he reported the company to my state Attorney General because of his converstation with the E-CARE customer service, he found them very shady and evasive of his questions.

As for the wage revocation letter, you do not need to get it from your employer. You can write one now and send it off to the company.

My bank did the same. I was not able to do anything until they actually tried to debit my account. They did so I filed a dispute, got charges reversed back to my account, and closed the account.

This is one heck of a shady company I ever had to deal with. Out of all payday lenders, they were pretty much the only ones who would not cooperate in payment arrangements.


lrhall41

Submitted by sapphiredreams on Mon, 06/05/2006 - 08:53

( Posts: 272 | Credits: )


You will be able to design a wage revocation letter after reading this page.

Remember to send this letter through certified mail with return receipt requested. Send a copy to Northway Credit as well as to your employer. Money should not be deducted from your paycheck after receiving this letter.


lrhall41

Submitted by Gretchin on Mon, 06/05/2006 - 09:13

( Posts: 482 | Credits: )


Does anyone have an address for Northway Debit? I want to send that letter as soon as possible. Also, I've decided to close that account but I have to open a new one because of my direct deposit; would that be considered fraud? Do I need to contact my other PDL companies and tell them about my new account, or should I just try and make other payment arrangements with them so that I can slowly get out of debt? I am in this vicious cycle of PDLs and I can't see the light at the end of the tunnel. I am so stressed out that I can't sleep. Although the PDLs helped me out in my time of need, I will never do it again. I just figured out why I can't pay my other bills; most of my pay goes to PDLs. That is a horrible way to live. I hope someone reading this and thinking of using a PDL think twice about it, because it is not worth it. Thanks for letting me get some of this off my chest. I kind of feel a little better.


lrhall41

Submitted by on Tue, 06/06/2006 - 07:27

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CindyLa, I know how exactly you must feel. You are not alone in this. We are in this together and this forum is a great place to vent about our debt dilemmas.

I have lost some weight due to lack of sleep and nervous stomach. All the bills were becoming late due to my paychecks being constantly taken over by PDLs fees. I had no choice but to close the account after I tried to work out some arrangments with some PDLs. Some were willing to work out but some did not so I had to close. It felt so good to finally have some control of finances back. You will see the light at the end of tunnel, just hang in there and we are all here to help. :)


lrhall41

Submitted by sapphiredreams on Tue, 06/06/2006 - 07:36

( Posts: 272 | Credits: )


Hi CindyLa,

If you decide to close your checking account, never give out the new bank info to the lenders. Otherwise, the purpose behind closing the account will go wasted. You will again have debits in your account from the lenders. Try to work out arrangements with your lenders because you are still willing to pay the loans. They should not object when you are paying them off by other sources. Don't feel stressed. Get some rest. You will gradually find yourself in a comfortable situation soon.


lrhall41

Submitted by Gretchin on Tue, 06/06/2006 - 12:11

( Posts: 482 | Credits: )


Just thought I would chime in here:

I have this issue, they wouldn't work out payments for me either, and have continued to hit my bank account; I am getting killed on the NSF fees.
I found 2 addresses for ECare Centers, information is below.

I faxed them a letter of revocation today and will mail one as well this week. Someone else here has assured me that we can beat their "wage assignment" threat, although I have not had it yet, I know it's coming.

ecarecenters.com

General Contact:
Address: E-Care Contact Centers
300 - 433 Main Street
Winnipeg, MB R3B 1B3
Tel: (204) 940-3544
Fax: (204) 940-4278

Employment Contact:
Send in your resume and cover letter to E-Care Contact Centers via e-mail or fax
E-Mail: employ(at)ecarecenters.com
Winnipeg, MB Fax: 204-940-4278
Surrey, BC Fax: 604-587-6339


lrhall41

Submitted by chagrin on Tue, 10/10/2006 - 12:59

( Posts: 210 | Credits: )


This address can be used for CashTransferCenters, Sonic Payday, Northway Debit and Northway Credit.

Ms. Kimberley DeThomas, President
c/o Payment Services
E-Care Contact Centers
400-15225 104th Avenue
Surrey, BC
V3R 6Y8

This is their phone number.
(604) 588-2260


lrhall41

Submitted by PDL Investigator on Tue, 10/10/2006 - 13:24

( Posts: 147 | Credits: )


This company debited twice from my account today. What can I do? Who do I contact?


lrhall41

Submitted by on Fri, 11/03/2006 - 15:14

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Pig, you need to file a form with your bank disputing the ACH withdrawls. They should refund the money while it is being disputed. FYI, A stop payment won't work as I have found because they submit different amounts each time and just keep trying. I had to close my account to get it to stop.

Good Luck!


lrhall41

Submitted by julie_patrick on Mon, 11/06/2006 - 13:02

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I too have had some run ins with this company. I had a deposit to my account from Northway Credit and money debited from Northway Debit. They are one in the same. I had the ACH Blocked by the bank...I now get phone calls constantly from some guy who I can barely understand. Anyway, I tried paying back these people via Western Union, Western Union called me and told me the whole thing sounded shady and they wouldn't let the payment go through....I have decided that they can send my name to collections, at least I can make payments through them.


lrhall41

Submitted by chrisbob on Tue, 11/14/2006 - 07:42

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I got taken by this company too...they debited 135 from my account in addition to the 500 they loaned me just a week ago. Help!


lrhall41

Submitted by on Mon, 12/04/2006 - 08:36

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We had transactions from this company in our checking account and we did not authorize these deposits or debits. We contacted our our bank immediately and they closed our account and returned all credits/debits. We had money going in and out of our account from 9 different companies over the course of 6 weeks. We didn't notice because our debits didn't start to catch up for a few weeks, then when we started bouncing checks we realized something was wrong. The bank returned everything over 2 weeks ago and CTC has been harrassing us ever since, calling my husband at work, calling our house, calling his employer, making threats. We have tried to explain what happened and they won't even try to work with us. We have since contacted the Attorney General of the State of Illinois and are filing ID Theft paperwork. We told CTC about it and we told them we were filing a police report and yet they keep harrassing us for something we didn't even authorize. Nice, huh?


lrhall41

Submitted by on Wed, 12/13/2006 - 11:42

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need information about an extension on my payday loan.


lrhall41

Submitted by on Wed, 12/13/2006 - 17:06

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I was just reading a thread, and is Cash Transfer Centers and Northway Credit both the same company? Are they also a Canadian companies? Also, it says that Sonic is in Canada, but the one I am trying to deal with gives me an Idaho address.


lrhall41

Submitted by swoody on Fri, 03/02/2007 - 12:31

( Posts: 103 | Credits: )


I got a $500 dollar loan, should have them take this out of my account or put a hold on it?


lrhall41

Submitted by on Mon, 03/05/2007 - 08:22

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Unfortunately, I have fallen prey to this awful PDL cycle. I have about $2500 dollars to repay due to me being off work not enough hours and a mortgage to pay for. However, I haven't had to start out paying them back until next week. How can they charge $90,$60,$127 dollars in fees each time since they do not pay off your loan they just keep taking the interest fees. Please help figure out the best way to approach paying them back.


lrhall41

Submitted by on Wed, 03/07/2007 - 08:44

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I applied for a pdl from CTC and was told I had to fax a recent payslip. I could not fax this at the time and had to borrow eslwhere, The next day the loan was sent to my checking account. When I contacted them about it they said I had to pay $108 on the $400 to have the loan taken back out of my account


lrhall41

Submitted by on Sat, 03/10/2007 - 13:02

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All their collections are done out of Surrey, B.C., not Malta. Like I have said previous, this is just a mailing address, the physical address was booted out of Malta for fradulent business practices. Their parent company, E-Care Contact Centers and NDG Financial are being investigated by federal authorities and if you look elsewhere in the forum you will see that they are slowly being run out of Canada. They also own a company called Blizzard Interactive who handles their website and marketing support. Also, if you look at the website blizzardinteractive.com, you will notice that one of their people listed is actually a supervisor for E-Care Contact Centers customer support group. Strange. I want this company out of Canada and criminal charges filed.


lrhall41

Submitted by PDL Investigator on Sat, 03/10/2007 - 16:47

( Posts: 147 | Credits: )


Great information pdlinvestigator, I actually did use the Oaks, Pa address to fax my revocation of voluntary wage assignment and it was scanned in by the crew and was listed on the webpage that I could access when I signed it. Along with my paystubs that I had to provide initially.

I search the bbb.org with the term, northway financial, check it out for yourself.

Does not surprise me they are everywhere, with different names.


lrhall41

Submitted by fedupinpa on Sun, 03/11/2007 - 04:26

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To all those who have or had problems with Northway credit, cashtransfer centers or any of the other names they do business under: Northway Credit is not licensed in the US, therefore can not do business or rather should not be doing business. By going by various names they somehow manage to skirt under this. Advice to you all: contact your state's attorney general's office, better business bureau...file complaints with both. If need be and so you'll have money in your accounts...close your present checking accounts and open another with your bank or a different one. Do not give the lenders your new acct. info...this will defeat the purpose of closing your account. Because these companies will try to debit under different amounts it is not always the best course of action to stop payment in ACH transactions, especially through payday lenders. They are as shady as any business comes and will use every possible deceitful method they can to obtain money. If they are not licensed in the US and it is illegal to give payday loans in your state , then they shouldn't have given the loan. Do not take out payday loans...they are a sure fire way to financial ruin. Find other ways to get yourself help besides this. These places fall under various names and addresses throughout the world and you do not ever speak to the same person twice. Most, if not are all foreigners that you can't understand. Be careful giving out your account info. to anyone. As for my experience with cash transfer centers...I'm glad I found this site and will see them in Hell before they get another dime out of my husband and I. To think the way that we were linked with them was through a place called Christian Faith Financial...don't fall for that one. I will let them place this with collections and then dispute it from there. Finance charges alone the last 3 months have well taken care of the amount borrowed to begin with. Once you get into the payday loan's vicious cycle it is hard getting out. Change your account info and then work on settling(if that's what you wish to do) from another angle. Good luck to you all.
Addresses I've been able to obtain

Northway Financial Corp. Ltd.
7th floor, 2 Airways House,
High St.
Sliema, Malta

Level 8 St.3 Plaza Commercial Center
Bisazza St.
Sliema, SLM 15
Malta
Tel: 21322473
Fax: 21322461
Activities are only listed as lending

Cash Transfer Centers
PO Box 10726
Wilmington, Deleware 19850-9914
1-866-958-3278
Cash Transfer Centers is alo not licensed to do business in the US.


lrhall41

Submitted by on Tue, 04/03/2007 - 07:59

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All of you complaining, arguing, saying you will close you bank accounts...oh please...you asked for a loan...you agreed to the terms...you have a voice and you can ask questions before signing for the loan...when you are in NEED these payday companies provide you with funds...YET when it's time to pay AS AND WHEN YOU AGREED TO!!! you turn around and not keep your end of the deal?? What if they said NO when you needed the funds to begin with? Why not complain when you were using the money they borrowed you? WHY NOT PUT A STOP TO THE CREDIT!!!! yeah exactly! NONE of you complain about getting the money ONLY about paying it...YOU want payment arrangements BUT when the loan was given to you it was ALL AT ONE not 100 her and 200 there.....THE EXACT AMOUNT YOU ASKED FOR WAS GIVEN....THEREFORE PAY THE FULL AMOUNT REQUIRED ALL AT ONE!


lrhall41

Submitted by on Fri, 04/06/2007 - 14:20

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Truth,is there a point to this useless baseless drivel you're spouting or did you just not make quota for the week. I really don't know why people waste our time coming here and throwing all this negative mess around our board. I will close with my own deadly barb:If your company follows the laws of this country and each individual state you lend in,you would get the full amount lent! Now bugger off and go bother some other board.


lrhall41

Submitted by cajunbulldog on Fri, 04/06/2007 - 15:12

( Posts: 4850 | Credits: )


I have to agree that Sonic/CTC/Northway is one of the worst companies that I dealt with. They do not follow state laws. Nor are they licensed to loan money in my state or any other state (that I know of) to loan money. They will try any ILLEGAL tactic to collect their money. Be careful when dealing with them but don't let them intimidate you. :evil:


lrhall41

Submitted by Cow & Chicken on Fri, 04/06/2007 - 15:37

( Posts: 3571 | Credits: )


baseless you say??? like I said before, all these people posting and whinnying about closing accounts, about not paying a cent, about sleeping better because they will not worry about collectors...instead of saying close accounts, ask the bank to stop debits, why not give better advice and options. Why not say you agreed to something and you should keep that promise/agreement you made. Not like many postings here "I will make an offer and if they take it fine, if not then too bad!" To begin, these payday companies did not drag you by the hair and make you sign agreements...you people are not blind and illiterate...or are you?....and as far as following "the laws of this country and each individual state you lend in" why not do your research to see if these laws are being followed before signing on the dotted line....NOT AFTER the loan is due and you find out nothing can be done to avoid paying the loan amount.


lrhall41

Submitted by on Tue, 04/10/2007 - 21:52

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You still have not made a valid point. It is not up to an individual to find out if a company is operating legally. The business has a requirement to keep their company in compliance of the proper laws. If you are not operating legally,then your contract is null and void.Be happy that we tell our posters to repay the loan principal because certain Attorney Generals are telling their residents to not pay a dime because said company is unlicensed to loan.


lrhall41

Submitted by cajunbulldog on Wed, 04/11/2007 - 06:23

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I had a deposit from them that we did not even want when they called us, and they deposited it anyway and I show they are trying to take 190.00 x 2 on the same day, nsf fees, can we stop them from debiting????


lrhall41

Submitted by on Sat, 04/14/2007 - 09:46

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