Sonic Payday--Legal Action

As I have mentioned in my previous post also, every financial institution is required to generate a monthly statement to you. This helps in knowing the true account status, your payment made and the amount due towards the loan.

Don't fear from the call of Sonic Payday. Send your letter through certified mail with return receipt requested and request for the loan statement.

Sonic put a wage assignment on my pay. My employer did honor it. On the paperwork, it said that I needed to pay the full amount of $288.57 which was paid on one payday from my employer. I contacted Sonic after a week to make sure it gave them time to receive my payment. I asked them to send me a statement saying I have paid if full. I wanted this just in case it shows up on my credit report or anything funny happens. This is the email that I got back.

"We do not issue invoices, however you can view your status online. I currently show that your outstanding balance has been repaid.

Thank you for choosing SonicPayDay.com!

If you have any questions or concerns you can contact us through any of the methods I have provided below.
Phone: 1-866-86-SONIC (1-866-867-6642)
Fax: 1-866-766-4242

You can access this website 24 hours a day/7 days a week!

Customer Care
SonicPayDay.com"

Aren't they suppose to send something in writing if I have requested that?

GetOffMyCloud

Did you get the notice of wage assignment 20 days before it reached your employer or you just came to know about it later? A wage assignment is considered legal if it is meeting the legal requirements.

Please read this thread and see if the papers have been submitted legally. If not, you have the right to dispute it.

http://forums.debtcc.com/forums/assignment-writ.html

Regards
Roxette

I was notified by my employer about a little less then a week before my payday. It's done with and over so I am not fighting it. It does state on the paperwork that it is a "voluntary wage assignment". I am not going to fight something that I did owe these people. I just want something in writing showing that I have paid them. Aren't they required to send me something if I request it? That is my question. My employer had it checked out and said it was legal.

When should I expect a notification from them about doing a wage assignment? My next payday is a week from tomorrow.

GetOffMyCloud,

You are bound to get it in writing from Sonic that you have completed your payment through wage assignment. The result of this action will also be upgraded in your credit report.

Contact them at their phone number and request to update your credit file. Otherwise, your file will not viewed positively by your future lenders. If they don't send you anything in writing, but they should update this account with the bureaus. That is the most important deal.

Regards
Roxette

"Cloud" this is old and I'm responding to something that happened months ago, but the Sonic loan I aquired through Cash Transfers Centers didn't say anything about voluntarily assigning my wages in case of default. I was suprised that CTC is Sonic in disguise, but I've read my agreement and I don't see anything mentioning a wage assignment.

Guest, if your agreement contract is not mentioning anything about the wage assignment, then you have the legal rights to revoke it. Your payroll must be aware of such situations. Discuss with them and stop the company from taking money from your payroll dept.

Send a revocation letter to Sonic through certified mail with return receipt requested. This will cover your basis and you will be able to prove your defense if the matter reaches the court.