Make arrangements with ICS

Ok, if this is the case, can your company give an itemized statement of all the payments made in the past? I believe you claim to be a paperless company. Can you show proof of the last payments done by us?

Since I believe that many people have paid more than what you have quoted here, should they claim for a refund? Nothing will be done without basis. You send us our past payment record and we will pay you the remaining balance, if any. Just simple at that!

Thank you for taking the time to post this and try and clarify ICS's policy.

There a few issues which you do not address. Among them:

In many states Lenders must be licensed , and interests and fees are regulated by those states (the policy you have out lined is in violation of the Illinois Payday Loan Reform Law for one).

Just because you have np physical locationin a state, does not exempt you from complying with the laws of any state if you are attempting to exicute a business transaction with a citizen of that state

You can not force someone to give up the rights and protections afforded them under their state laws by having them sign or verbally agree to a disclosure stating such.

I just dealth with ICS I explained to them what was going on. The gentleman I dealt with was very helpful and polite because I was willing to pay the debt. He told me exactly what I owed and explained everything to me. And it wasn't and extremely high amount. And we came to an agreement amicably. So its always worth giving it a try.
~C

Having personally dealt with ICS, I can say the following.. yes they will attempt the wage assignment even though it is illegal if 1) not in writing, 2) you can revoke it 3)like it or not they are required to follow laws governing payday loans in your jurisdiction even though they will claim otherwise, but I can also say that they did work with me, even though it took me a year to pay them off.

So what is the veridct... in my mind it is this.. it is always best to try and work with your payday lender, and most of the people here have tried... I realize there are some visitors to this board who have not even defaulted and are interested in the "letter", but the vast majority of people here are here because they tried to do the right thing and were dealt with illegally, unfairly etc.. So with respect to ICS, yea.. try and work out arrangments.. but be careful, document everything.

For any members wanting more details on how I dealt with ICS, pm me and I will gladly share.

Friendly, your input here is very much appreciated. we've never heard anything this good from a PDL! I myself have posted a similar advice column pertaining to student loans, which I used to collect. Looks like we're both on the same side; The helpful and informative side. This forum could use some more of your advice because the lions share of the members here have taken out payday loans, also, many of them are still a little hazy on what their rights are. This is where you come in.

I think you need to go back to school and learn how to spell. It is "steal" not "steel".

Nobody's perfect! Some of us don't excel at spelling as do others! No need to lay into somebody over it! This is a debt management forum, not grammar class!

is this ics the same as ics financial?

Perhaps not!!

I also had a friendly relationship with ICS. I kept them informed when I defaulted, and they were respectful. Yes, their fees are higher than other payday loan companies, but I guess I knew that going into it. ICS never harrassed me or made threats. I had 6 payday loans, and ICS was probably the easiest to deal with.

ics financial is different, they were caught doing an advance fee loan scam a while back

I have PDL's with these two companies, and am in a bind right now. Don't have the money in my account to be debited on the 15th. My phone is not working at this time, so how else do I contact them to make arrangements? Is there an email address? Need help ASAP.

Call 1-800-865-3703 /1-800-680-2177 and talk to them about your situation. I hope you are able to take care of the matter without any problems.

i juct signed a contract with ics 11700 se 149th st okc,ok 73165 is this the same company or have someone just got me on

This same number 442-084-922780 has been calling me and i have not taken out a loan with this company. When I called, the company is going under the name BIG

that number belongs to GFSIL-STAY AWAY FROM THEM THEY ARE SHADY AND SCANDALOUS!

What does GFSIL mean anyway?

Tweety,
From what I read in debt sett/cons board,they are a nasty pdl company that are very difficult to deal with.

The company is fraud..I took out one loan and once i paid it off they kept calling me..they finally convinced me to take another..I didnt need it but I felt sorry

Anyway..I called and told them i wanted to pay the loan off..They told me to repeat my social which I always did now they claimed I had told them another social and that I had to fax them a copy so they can make the change.


I did that..and they told me call back in 10 minutes, then one hour, then 2 hours. and still I am waiting..till the next day.

The wont let you pay your loan of ...as they want to milk your bank account..They put the money in my account..and never so much as asked for my social..so how do they have the wrong one!

I am getting frustrated with them.!! What can I do

Send me an email with any advice

Friendly, while I appreciate your effort, I must ask, where did you learn mathematics?



200 + 35 + 89 does not add up to $387...it adds up to $324. So, why are you charging each customer an additional $63 for this loan? You said that your company deals with thousands of people each day, that's a tidy sum of extra money being collected there...dontcha think?

In addition, just so you are aware, the fees you charge are not necessarily going to be legal in every state. And, since you are contracting with a person in whatever state they reside in, you are obligated to follow the law in that state for that particular loan. Sounds to me more like your company is using a blanket policy regardless of the state, and that is potentially illegal.

A word of advice for anyone looking to use ANY PDL--go check your state's laws, as well as whether or not the PDL company is licensed or legally authorized to work in your state, BEFORE YOU ENTER INTO ANY AGREEMENT. Save yourself the headache of trying to fix it all later by not breaking it now.