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I just got off speaking with them through their live help link.

This is what I got.

Chat InformationPlease wait for a site operator to respond.
Chat InformationYou are now chatting with 'Ada'
Ada: Good evening, thank you for visiting Customer Care. How may I help you?
Molly Sommers: Is this PRLDirect?
Ada: We are a call center, dealing with a number of loaning company.
Ada: In order to assist you better, may I have your first and last name along with your social security number please?
Molly Sommers: Don't you mean payday loan companies?
Ada: That is right, payday loaning companies.
Molly Sommers: Are these companies legal?
Ada: Yes, they are.
Molly Sommers: In both Canada and US?
Ada: We don't have any business with Canada at this time.
Molly Sommers: If I were to get a loan, where would my legal obligations lie? Would they be based on state where I reside or where the loan was taken from, i.e. Malta, Ireland, Canada?
Molly Sommers: Is this call center based out of Surrey, B.C. or Winnipeg, MB?
Ada: In order to assist you better, may I have your first and last name along with your social security number please?
Molly Sommers: Can you not answer my questions?
Ada: Ms. Sommers, for me to be able to give your accurate information, I will need to pull out your file first.
Molly Sommers: You don't need to pull my file to answer these 3 questions.
Ada: I won't be able to disclose any information, not unless I verified that your are one of our customers.
Molly Sommers: Why, I would like to be a customer but first I would like to know what my rights are and the legal rights.
Molly Sommers: Is anyone there?
Ada: I won't be able to disclose any information with out a social security number.
Molly Sommers: Look, if you want my business, I have the legal right to ask these questions. If you don't want to answer them, then that tells me that your operation is a scam outfit and you have something to hide. The questions are general legal questions not specific ones.
Molly Sommers: I do know that in Canada, you have a privacy law, but that refers to a specific individual, not generalities.
Ada: Ms. Sommers, unfortunately since you are not wiling to release your social security number with us, I won't be able to disclose any accurate in formation with you at this time.
Ada: I will have to end this chat, if you are still not willing to disclose your social security number.
Molly Sommers: I don't have to disclose my SSN to have a general question answered.
Ada: Thank you for chatting with us. Have a great night!
Chat InformationChat session has been terminated by the site operator.

Just by this conversation, found out a few things:

1. In Canada, parent company is being investigated that is why they have closed Canadian operations.

2. This company is definitely a scam outfit.

3. They type in their answers that can be found in a book that they are given.

4. Shut this group down, E-Care contact centers.

I can only do it if I have at least 6.5 hours of sleep..I have to have my energy to get good and wound up Yesterday I was tired..Even in chat I couldn't get wound up too good, I was too

Other zingers..."What do you think I should do about these nose hairs?" "Do you like peanut butter cookies..I do."

Sub: #11 posted on Wed, 04/19/2006 - 14:34

Jessi Jessi

(Posts: 3361 | Credits: )

You need your own seperate forum page on here for those comments.
Hmmm...what do you thing, moderators?????

Sub: #12 posted on Wed, 04/19/2006 - 14:36

erzeke1 erzeke1

(Posts: 1145 | Credits: )

I will also sometimes sing along with the Muzak here at work in a weird voice while I'm on hold, just in case they're somehow still listening to me. It's really funny when they answer and I'm jammin' to some Rod

Sub: #13 posted on Wed, 04/19/2006 - 14:39

Jessi Jessi

(Posts: 3361 | Credits: )

I got time a collector called who had already refused payment arrangements, so my husband just kept repeating "I like eggs". Until they hung up, seemed like forever..they must like eggs too.

Sub: #14 posted on Wed, 04/19/2006 - 14:43


LOL That's a good one, guest.

Sub: #15 posted on Wed, 04/19/2006 - 14:45

Jessi Jessi

(Posts: 3361 | Credits: )

I have seven payday loans five of which I have already paid well over the original loan amount. My question is do they have any legal standing if they have collected the original loan amount plus fees to be able to get more money? :(

Sub: #16 posted on Wed, 07/26/2006 - 08:13


You need to check you state usurious laws as well as licensing for Money transmitters/pdls.
As far as legal battles with them, unless you want to hire an attorney, it may be difficult fighting them yourself.
You can easily just stop paying them, but then your credit could be ruined if they report it, and also the harrassment of the collection companies.
It may be better if you call them and try to work something out with them.
Some will work with you and if you persevere, they may settle for less than you owe.
Whatever you do, don't take any more loans with them!

Sub: #17 posted on Wed, 07/26/2006 - 09:57

erzeke1 erzeke1

(Posts: 1145 | Credits: )

I am here to make sure loan companies get a fair shake, and to make the people of this forum straighten up and take responsibility for their actions.

I know the people on this forum SAY they are taking responsibility for their actions and you are to a certain extent. I would say the average person on this forum takes about 75% responsibility. And then they try to push the rest off on everybody but themselves.

I will explain so I can make myself perfectly clear. If you took out a loan, you owe the principal and ALL FEES that went along with it. Which means if your loan was for 300 and you didnt pay for 5 months before you closed your account you are responsible for every one of those finance charges and return fees.

If you have a credit card account you are responsible for every penny you spent and every fee the collection company or credit card company should choose to tack on.

You do not have the right to complain about a collection company no matter how "mean" they maybe. The people on this forum are quick to point the finger at others an cry foul, but you tend to forget you STOLE from these companies. The loaned you $300 and you didn't pay it back, you got a credit card and maxed it out buying God knows what and then you didnt pay them back. AND NOW THEY WANT THEIR MONEY BACK, WHAT A SHOCKER.

Who cares if you dont want to deal with the 3rd party collector, you chose not to take care of your responsibilites on time, and not you HAVE to deal with the 3rd party. I wish more companies had the power to garnish wages. I think it would be a slap in the face to society. HEY WAKE UP!!!! For too long Americans have been coddled, and hidden from the harsh reality that life is not fair. Not anymore, WEST TEXAS is here with a wake up call.

Do me favor DO NOT RESPOND TO THIS WITH ANY OF YOUR SAD STORIES OF WOE. You are not the only ones that have suffered. If you had any idea what real pain and anguish is all about you would know that you cant fix those problems in a forum. You have to get up, wipe the blood from your mouth, dust yourself off and scratch and claw yourself back out of the hole...ON YOUR OWN. The true american way. This is called True Grit. Why dont you people try it sometime instead of hiding behind BullS*** laws that screw the people that worked hard to get were they are.

You want to get out of debt. It's real easy, get another job, already have 2 try a 3rd. I did. 4 was my number, but I forgot it's easier to take the lazy way out and complain about harsh practices and "illegal" companies, and BLAH BLAH BLAH the same old things this forum always cries about.

You want out of debt than WORK. Sacrifice Christmas gifts, birthday gifts, duct tape shoes together, sell plasma, live on PB&J's and Beanie Weenies. I did.

BUT FIRST AND FOREMOST QUIT CRYING AND JUST DO IT. Stop making yourselves out to be victims. Your Not. The companies you stole from are.


Sub: #18 posted on Wed, 07/26/2006 - 13:11


What,do you cut and paste all your replies West Texas? Nothing original?

Sub: #19 posted on Wed, 07/26/2006 - 17:37

Roadwarrior Roadwarrior

(Posts: 639 | Credits: )

No one is even bothering reading them anyways! Take your meds, Texas!

Sub: #20 posted on Thu, 07/27/2006 - 15:53

erzeke1 erzeke1

(Posts: 1145 | Credits: )

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