Sonic Payday - advice please
Date: Mon, 04/03/2006 - 04:43
I would send them a payment, and see if they accept it. A few p
I would send them a payment, and see if they accept it. A few people here have had success in that...Sometimes it can take a few tries, but eventually they'll give in.
Sonic - SCAM outfit
Check to see if they are registered in North Carolina to do business, if not, report them to your AG. They are operating illegally.
Also, see below for more information on them.
Some of my findings include the following:
E-Care Contact Centres Ltd.
Company based out of Winnipeg, MB and Surrey, BC
They act as call centre for prldirect.ca; sonicpayday.com; coastlinecredit.com
They are also the payment services (collections) group for these companies as well.
I did a search on their domain whois and found the following:
prldirect.ca
Admin Contact is Jeremy Sabourin. He is based out of Winnipeg, MB. His address is 300-433 Main Street, Winnipeg, MB, R3C 3X5. His contact number is (204) 940-3889.
sonicpayday.com
Admin Contact is Joanne Turner 18/19 College Green, Dublin, 22222, IE. I believe this is the contact number 35316177822
coastlinecredit.com
Funny thing about this one: Registrant is Jeremy Sabourin, same address as above. Admin contact is Grace Smyth, 18/19 College Green, Dublin, 22222, IE. I believe this is the contact number 35316177822
And finally,
ecarecenters.com
This is E-Care Contact Centers Ltd. They have offices in Winnipeg, MB and Surrey, B.C.
Their office in Winnipeg is 300-433 Main Street, Winnipeg, MB, R3C 3X5. don't know if this is a post office box or actual address. What is so shady about this is the the registrant for this website is none other than Jeremy Sabourin. the contact number address for Jeremy on this website is 707 - 15 Kennedy Street, Winnipeg, MB and on this one he doesn't have a phone number. The Administrative contact for them is Brad Hogg at 300-433 Main Street, Winnipeg, MB R3C 3X5. His contact number is (204)940-3527.
WHAT IS WRONG WITH THIS PICTURE?
I managed to get the corporate office in Surrey, B.C. Their address is 15225 104th Avenue, Surrey, B.C. Their number is (604) 588-6220. When the answering machine comes up wait for the end of the message and you will get a company directory. Sorry don't have the Postal Code.
When I called to get an extension for my account manager, I asked for her name only to be told that there was no one listed by that name ?? Questionable.
Voluntary wage assignments are exactly that. they are voluntary. If your payroll department receives one, they are to notify the debtor, who has the right to refuse.
Be skeptical and wary of a company who does not list a physical address just an email address, shows a 1-800 number only and not a corporate office number.
These companies listed above are shady, deceptive, unwilling to work with their clients when it comes to paying outstanding accounts. Most of their collectors are not licensed nor do they understand the rules. When I called to complain, I let them know the information that I had found out about them and was put on hold and given to several individuals. All with different names.
the problem is that the voices were the same. I don't forget a voice. Yolanda Williams could be Yolanda Boden, Paul Grehan is Paul Grehan, Kim Dethomas may be Sandy or Lynn thomas, I could go on.
Do you homework on this company, and report them to the proper authorities. Here in Canada, legislation is coming down which will curtail these companies even more.
OK, so I just got off the phone with a Wayne Bruce at Sonic, ver
OK, so I just got off the phone with a Wayne Bruce at Sonic, very nasty gentleman. SO CONSESCENDING. I'm like buddy, I'm trying to work with you, pay you half now and half in a week, and he said no, only payment in full. Then he said he was sending a baliff of the court to deliver papers to me tomorrow. Seriously? I just started laughing at the absurdity - I'm trying to pay them back and now you're talking about the courts coming after me?? It's so hard to keep calm and not want to go to "their level" and just tell them off. I just don't know how they could go to work every day and do that job. I'd shoot myself. Anyway, I told him I sent a wage garnish revoke letter and he said that doesn't matter, that I was stealing and will go to jail. DUDE, I'M TRYING TO WORK WITH YOU HERE!!! I mean, I've returned your call, I'm offering you half of the money I owe, could you be more unhuman? Sorry...just had to vent. I'm actually sweating after talking to that guy.
Whoops - sorry - that last message was me, didn't realize I was
Whoops - sorry - that last message was me, didn't realize I was not logged in. That's how flutstered he's made me!! :wink:
Sue-- North Carolina has awesome consumer laws regarding usur
Sue--
North Carolina has awesome consumer laws regarding usury...
I would recommend writing them a very strong letter, unauthorizing them from withdrawals and threatening a civil suit if they do not comply with NC law. I would also recommend demanding a refund of all interest you have paid in pursuant to the excerpts below.
Quote:
?? 24 1. Legal rate is eight percent. The legal rate of interest shall be eight percent (8%) per annum for such time as interest may accrue, and no more. (1876 7, c. 91; Code, s. 3835; 1895, c. 69; Rev., s. 1950; C.S., s. 2305; 1979, 2nd Sess., c. 1157, s. 1.) ?? 24 1.1. Contract rates and fees. (a) Except as otherwise provided in this Chapter or other applicable law, the parties to a loan, purchase money loan, advance, commitment for a loan or forbearance other than a credit card, open end, or similar loan may contract in writing for the payment of interest not in excess of: (1) Where the principal amount is twenty five thousand dollars ($25,000) or less, the rate set under subsection (c) of this section; or (2) Any rate agreed upon by the parties where the principal amount is more than twenty five thousand dollars ($25,000). (b) As used in this section, interest shall not be deemed in excess of the rates provided where interest is computed monthly on the outstanding principal balance and is collected not more than 31 days in advance of its due date. Nothing in this section shall be construed to authorize the charging of interest on committed funds prior to the disbursement of said funds. (c) On the fifteenth day of each month, the Commissioner of Banks shall announce and publish the maximum rate of interest permitted by subdivision (1) of subsection (a) of this section on that date. Such rate shall be the latest published noncompetitive rate for U.S. Treasury bills with a six month maturity as of the fifteenth day of the month plus six percent (6%), rounded upward or downward, as the case may be, to the nearest one half of one percent (1/2 of 1%) or sixteen percent (16%), whichever is greater. If there is no nearest one half of one percent (1/2 of 1%), the Commissioner shall round downward to the lower one half of one percent (1/2 of 1%). The rate so announced shall be the maximum rate permitted for the term of loans made under this section during the following calendar month when the parties to such loans have agreed that the rate of interest to be charged by the lender and paid by the borrower shall not vary or be adjusted during the term of the loan. The parties to a loan made under this section may agree to a rate of interest which shall vary or be adjusted during the term of the loan in which case the maximum rate of interest permitted on such loans during a month during the term of the loan shall be the greater of the rate announced by the Commissioner in (i) the preceding calendar month or (ii) the calendar month preceding that in which the rate is varied or adjusted. (d) Any bank or savings institution organized under the law of North Carolina or of the United States may charge a party to a loan or extension of credit governed by this section a fee for the modification, renewal, extension, or amendment of any terms of the loan or extension of credit, such fee not to exceed the greater of one quarter of one percent (1/4 of 1%) of the balance outstanding at the time of the modification, renewal, extension, or amendment of terms, or fifty dollars ($50.00). (e) Any bank or savings institution organized under the law of North Carolina or of the United States may charge a party to a loan or extension of credit not secured by real property governed by this section an origination fee not to exceed the greater of one quarter of one percent (1/4 of 1%) of the outstanding balance or fifty dollars ($50.00). (f) This section shall not be construed to limit fees on loans or extensions of credit in excess of three hundred thousand dollars ($300,000). (1969, c. 1303, s. 1; 1977, c. 778, ss. 1, 3; c. 779, s. 1; 1979, c. 138, s. 1; 1981, c. 465, s. 1; c. 934, s. 1; 1985, c. 663, s. 1; 1991, c. 506, s. 2; 1998 119, s. 1; 1999 75, s. 1.) ?? 24 2.1. Transactions governed by Chapter. For purposes of this Chapter, any extension of credit shall be deemed to have been made in this State, and therefore subject to the provisions of this Chapter if the lender offers or agrees in this State to lend to a borrower who is a resident of this State, or if such borrower accepts or makes the offer in this State to borrow, regardless of the situs of the contract as specified therein. Any solicitation or communication to lend, oral or written, originating outside of this State, but forwarded to and received in this State by a borrower who is a resident of this State, shall be deemed to be an offer or agreement to lend in this State. Any solicitation or communication to borrow, oral or written, originating within this State, from a borrower who is a resident of this State, but forwarded to, and received by a lender outside of this State, shall be deemed to be an acceptance or offer to borrow in this State. Any oral or written offer, acceptance, solicitation or communication to lend or borrow, made in this State to, or received in this State from, a borrower who is not a resident of this State shall be subject to the provisions of this Chapter, applicable federal law, law of the situs of the contract, or law of the residence of any such borrower as the parties may elect. The provisions of this section shall be severable and if any phrase, clause, sentence or provision is declared to be invalid, the validity of the remainder of this section shall not be affected thereby. It is the paramount public policy of North Carolina to protect North Carolina resident borrowers through the application of North Carolina interest laws. Any provision of this section which acts to interfere in the attainment of that public policy shall be of no effect. (1979, c. 706, s. 3; 1983, c. 126, s. 11.) ?? 24 2. Penalty for usury; corporate bonds may be sold below par. The taking, receiving, reserving or charging a greater rate of interest than permitted by this chapter or other applicable law, either before or after the interest may accrue, when knowingly done, shall be a forfeiture of the entire interest which the note or other evidence of debt carries with it, or which has been agreed to be paid thereon. And in case a greater rate of interest has been paid, the person or his legal representatives or corporation by whom it has been paid, may recover back twice the amount of interest paid in an action in the nature of action for debt. In any action brought in any court of competent jurisdiction to recover upon any such note or other evidence of debt, it is lawful for the party against whom the action is brought to plead as a counterclaim the penalty above provided for, to wit, twice the amount of interest paid as aforesaid, and also the forfeiture of the entire interest. If security has been given for an usurious loan and the debtor or other person having an interest in the security seeks relief against the enforcement of the security or seeks any other affirmative relief, the debtor or other person having an interest in the security shall not be required to pay or to offer to pay the principal plus legal interest as a condition to obtaining the relief sought but shall be entitled to the advantages provided in this section. Nothing contained in this section or in G.S. 24 1, however, shall be held or construed to prohibit private corporations from paying a commission on or for the sale of their coupon bonds, nor from selling such bonds for less than the par value thereof. (1876 7, c. 91; Code, s. 3836; 1895, c. 69; 1903, c. 154; Rev., s. 1951; C.S., s. 2306; 1955, c. 1196; 1959, c. 110; 1969, c. 1303, s. 3.) |
after this letter to sonic - to date, they have only corresponde
after this letter to sonic - to date, they have only corresponded with me once and it was to say they could reloan in a half hour if i paid it off...! oh yeah, and to offer me a way to get my tax refund in 48 hours..of course with stupid high fee! (note the date on my letter...!
Quote:
Dear RACHEL KAISER Thank you for your recent email dated 03/23/2006 We have attempted to contact you on the phone to discuss your mail, but so far we have been unsuccessful. We will continue to attempt contact, but if there is a number and time when we would stand the best chance of reaching you, please provide us with details. 1/26/2006 Account #: ATTN: E-Care Contact Center 300 - 433 Main Street Winnipeg, MB R3B 1B3 Fax :(204) 940-4278 P.O. Box 1066 Coquilam Station Main Coquitlam, B.C. V3J 6Z4 Fax: 888.395.0192 customercare(at)sonicpay.ie Dear Sir or Madam, I hereby revoke your right to use the wage assignment that was digitally signed on December 30, 2005. You no longer have my permission to use this wage assignment. I have filed a "Notice of Defense" with my employer which will absolutely prevents them from turning over any of my wages to you. As well, the agreement yuo have on file is not a real and legal wage assignment according to the below listed information: Sincerely, Rachel Kaiser |
In 1984, the Federal Trade Commission passed a rule which says that a creditor is guilty of an unfair credit practice to make you sign a wage assignment unless the paper says right on it that you can revoke it at will.
A wage assignment is not valid unless it meets certain requirements. Here are some of the requirements
1. It must be on a separate paper and not part of any contract. YOURS IS NOT
2. It must be signed by you in person. THE AGREEMENT IS NOT
3. It must have the words "Wage Assignment" in bold at the top and right above or below the signature line. YOURS DOES NOT
4. The demand on the employer must meet certain requirements or it is of no legal effect. For instance, you must be in default at least 40 days aand the demand must correctly state the amount in default, and it must be accompanied by a copy of the assignment YOU DON"T HAVE A VALID ASSIGNMENT
5. No demand can be served on an employer unless the creditor first sends you a notice of his intent to do so at
least 20 days before serving the demand on the employer.
6. Both the demand on the employer and the notice you receive must be in a form required by statute.
nothing to give up....it seems, thus far, as though my letter wa
nothing to give up....it seems, thus far, as though my letter was effective and they have given up...not a peep since the "friendly" letter they sent!
I would be happy to include them in my consolidation, but I don't want to wake the slumbering giant either....
Well, About an 1/2 hour ago my husband called and Sonic called h
Well, About an 1/2 hour ago my husband called and Sonic called his work and demanded wage garnishment immediately from his paycheck. The HR lady where he works told her to hold on and paged him and did a 3 way call with them and the lady stated to both hubby and HR that we haven't paid them a dime. My hubby was quick on his feet and told her that they were receving payments every month and if they want to push the issue that we would see them in court. The lady from Sonic told him that she see's in the notes that payments are being recevied a credited please disregard the call and hung up. The one thing she doesn't know is that all incoming calls are recorded. Looks like my letter rattled them. Looks like another complaint is in order with the recorded conversation. This is one battle I will not give up until the either forgive the loan or they are shut down.
Why are you paying them then? Have you tried to settle with the
Why are you paying them then? Have you tried to settle with them?
Tammy, I can't believe Sonic is harassing your husband again.
Tammy,
I can't believe Sonic is harassing your husband again. Does this company ever stop? :twisted:
No they don't. But I think they have made a fatal mistake. Tap
No they don't. But I think they have made a fatal mistake. Tape recorded conversations go a long way with a company that is not licensed.
After not hearing from Sonic for a couple months, they sent a wa
After not hearing from Sonic for a couple months, they sent a wage assignment demand to my employer that I had never seen. It was on a separate sheet of paper with wage assignment on the top and my digital signature and a scribbled witness signature. My employer was going to honor it!! :shock: I made a stink and they sent it to their legal dept and ended up not honoring it. I'm thinking how easy it would be to forge one of those things. I had even mailed Sonic a wage revocation, faxed it twice and faxed it to my employer twice.
Sonic is getting paid through T&C and they still tried this. The address where they wanted the money sent was in Delaware. The contact phone number was on the west coast. I was given an address in Canada to send a wage revocation. :roll:
Sonic has multiple addresses. I know they wanted me to western
Sonic has multiple addresses. I know they wanted me to western union funds to them in Delaware. I was told this is where their collections department was located. Other people have been told other things. I always sent my mail to the address in PA with no problems. I'm glad that I am done dealing with this company. I don't think any of us signed the famous wage assignment letter. I know I contacted my payroll department when they threatened me with it and they would not honor it unless it went to court. Tammy, you had a do not call order in place as well, did you not?
What's even crazier is that I confronted my Sonic guy about wher
What's even crazier is that I confronted my Sonic guy about where they are located...he kept saying, "Why do you want to know, Susan???!!" (he kept repeating my name in this condescending manner, made my skin crawl) and finally he admitted they are in Canada. But he kept contradicting himself by saying that I signed a contract, and I would be sued, but when I told him I sent the cease and desist letter, he said, "Oh, that's just a piece of paper." Huh? So what is my contract? It's so frustrating...I've told him I'm offering to pay in 2 parts, and he said they've NEVER accepted partial payments, which I know from this site is a lie. And on top of this, he kept saying, "SUSAN (gross voice) - just pay it all back, then reborrow in 20 minutes, it's just that simple"...like I'm some moron. I don't want to reborrow, their interest rates is what got me in this mess to begin with! I'm just trying to be a good person and get my life back on track by paying them in halves and be done. Again, no idea how they can go to work every day and do that job. I'd have the worst heartburn.
Mishele, Yes they have a cease and desist. They are only to
Mishele,
Yes they have a cease and desist. They are only to communicate by mail only. Like I said before, I guess my letter to them got them rattled and they are showing their ass. Well if they want to take that attitude, so can I. THis is not over by no means.
Sue, What state do you live in? I might be able to help you
Sue,
What state do you live in? I might be able to help you with something. Tammy, keep up with them. Persistence pays off, it did with me. Give back to them what they've given to you :x
Mishele, I think I read that she lives in North Carolina, that'
Mishele,
I think I read that she lives in North Carolina, that's why I posted that North Carolina law. The AG there is suing the crap out of unlicensed payday loan companies. Per NC law, she can get back every cent she has paid them in interest.
I guess I should pay better attention lol. Sue, I would say con
I guess I should pay better attention lol. Sue, I would say contact your state's attorney general's office at this point.
Sue- write them a letter quoting NC law, and demand every cent y
Sue- write them a letter quoting NC law, and demand every cent you have paid in interest above and beyong the principal!
How do I find out if a company is registered in my home state?
How do I find out if a company is registered in my home state?
freeprf.com/corporations.html Click on the name of your state
freeprf.com/corporations.html
Click on the name of your state.
Sonic is not licensed anywhere. All they have in the US is forw
Sonic is not licensed anywhere. All they have in the US is forwarding addresses. I can't remember where I seem it but the BC address they are not receving mail there anymore. As soon as I find it again, I will post it here.