Share post
member profile picture

I am having similar experiences with Sonic Payday as have been described on this site. I couldn't pay back the loan on 10/15, Sonic said they would not accept payments, I have made two partial payments to date but still owe a lot with the extra charges they've added on. I have been threatened with a wage assignment. Then, today I received the following email from Sonic which appears to be one of those computer generated emails:

Did you know that you are already approved for $400 until your next payday?

Since you've repaid your last loan with SonicPayday.com, getting the cash you need is simpler than you think!

You can log on to request your next loan online at sonicpayday.com. Once your loan is approved, your funds should be in your account the very next business day!
It's that simple.

And don't forget, you can check your loan status by visiting (www.sonicpayday...)

Does anyone have any idea what this means? Has Sonic sold my loan to a collection agency or something? Has anyone else had this happen?

Thanks,




PJS

Welcome to the forums. Last time I checked, they had their own collection company called E-Care. They're all in the same office complex/call center.

However, I too received that email. It's sent out in mass loads to everyone who has applied.

I would advise not to take out another loan with this company (or any other for that matter) unless it is an extreme emergency and there are no other routes to take. The interest rates are too high.

Regards-
Mike

Sub: #1 posted on Tue, 11/15/2005 - 20:43

Teleport Teleport

(Posts: 1388 | Credits: )

I called PRL Direct to inform them I would be unable to cover their debits 11/18. They are initially unwilling to make pay arrangements.

Mikeyindetroit - it sound like you have dealt with them before? Any advice for negotiating a 2 payment deal with them?

Sub: #2 posted on Tue, 11/15/2005 - 20:46

a freeman a freeman

(Posts: 44 | Credits: )

a freeman

Yes, I have had to deal with them. I have taken out 4 loans with them. The first one didn't go over to well, as they attempted to get their money back at 6AM, before my direct deposit went through. My last one was all my fault, and I attempted to make repayment. Yolanda Williams was who I was dealing with before. She said that because I defaulted, the only repayment method was through Western Union.

Lets now go to the new week. I said I was going to make repayment, but because I defaulted I got charged their $29 fee, making it unpayable the first week. But on my payday, they attempted to get the money back. I had already written checks....thus causing another NSF for my account. (They had only gotten their first 1/2 of the money).

This had created a lot of problems, and therefor I just changed my account number. They didn't add on any more NSF fees, or haven't charged me interest. But it did take me a month before I finally decided to repay them.

There is just too many pages in this forum to read. The call center is based out of Winnipeg, Manitoba....

Basically PLR Direct, Sonic Payday, E-Care, Cash Today Transfers...they're all the same company.


Regards-
Mike

Sub: #3 posted on Tue, 11/15/2005 - 21:00

Teleport Teleport

(Posts: 1388 | Credits: )

mike -Thanks for the reply

I was reading some of your posts about your experience. Sounds like you did a good job, and I can't understand why they wouldn't give you a correct address.

I am beginning to think that closing the account/changing the number is the best way to go, although I did fax a wage assignment revocation - not really even sure if wage garnishment is legal in Texas - but thought I should cover my bases.

It's frustrating to me that when you are proactive in trying to pay the debt you owe, these companies are less than willing to work out pay arrangements!

Did they accept partial payment? Or ever allow another method beyond Western Union?

Sub: #4 posted on Tue, 11/15/2005 - 21:16

a freeman a freeman

(Posts: 44 | Credits: )

a freeman

Did they make you print out the wage assignment paper, so you could sign it and fax it back?

Just a little heads up on wage assignments...they have to be signed in person, and have a witness.

They will not accept payment arrangements. However, if you close your account and call back when you have the money, you can get the address to mail in a payment. They may want it sent via Western Union, but its totally up to...and how bad they want their money back.

My first time when I had a run-in with them, I told them I would NOT do a Western Union payment. Luckily they ran the payment through again.

I also kept A LOT of notes on each person I talked with.

Regards-
Mike

Sub: #5 posted on Tue, 11/15/2005 - 21:23

Teleport Teleport

(Posts: 1388 | Credits: )

Quote:
not really even sure if wage garnishment is legal in Texas - but thought I should cover my bases.


I did some search on the wage assignment procedure in Texas and it appeared that it is legal here.

I wish you to go through the article placed below and know the legal documentation required in wage assignment. As you have said that the script was computer generated, it should not be legal.

http://www.debtconsolidationcare.com/revoke-wageassignmen t.html

Sub: #6 posted on Wed, 11/16/2005 - 11:09

roxette roxette

(Posts: 4009 | Credits: )

I have done some research, and as I understand wage assignments are voluntary. This was not a seperate sheet of paper,nor signed in person. When I try to view the wage assignment that is posted in documents on my account with PRL, it's all garbled.
None-the-less I have faxed a wage assingment revocation letter to them, they would not give me an address to where I could send certified mail. I'm a little nervous as to whether the faxed copy will hold up - so I gave my HR department a copy of it as well.

Sub: #7 posted on Wed, 11/16/2005 - 11:30

a freeman a freeman

(Posts: 44 | Credits: )

You can use this address to contact Sonic

Sonic PayDay
P.O. Box 1209
Oaks, PA 19456
(877) 263-3666

You will also finds loads of information on Sonic in this forum and these are worth catching a view.

Sub: #8 posted on Wed, 11/16/2005 - 11:40

ben ben

(Posts: 2034 | Credits: )

Is this address also a way to get a certified letter to PRL direct?

I've seen/read several posts that say that PRL and SONIC are one and the same.

Sub: #9 posted on Wed, 11/16/2005 - 11:42

a freeman a freeman

(Posts: 44 | Credits: )

This is what I confirmed in one of the law site. In North Carolina, Texas, South Carolina and Pennsylvania, wages may not be garnished to pay consumer debt. child support, student loans and IRS debt can be garnished.

Sub: #10 posted on Wed, 11/16/2005 - 11:44

roxette roxette

(Posts: 4009 | Credits: )

Attachment
More information
  • Files must be less than 500 MB.
  • Allowed file types: txt pdf jpg jpeg png.


Page loaded in 1.341 seconds.