Flobridge-aka- CashNDash

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thanks Paul, I figured as such. bottomfeeding dirtbags.

I to received the same kind of e-mail from these people , watch them they are very sneaky

One thing these dirtbags will do is send wage assignment papers to your boss, even after you've revoked the wage assignment. Total violation of federal law, but these guys only obey the laws they like to begin with. Worse, the documents they send all say garnishment in the hope that your boss won't realize it wasn't signed by any judge, let alone one that actually has jurisdiction over you. These guys are dirtbags even by ipdl standards.

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actually I am going to try and sue these dirtbags for the voilations they have committed , just trying to figure out how . I beleive I have all the info I need on them

Interesting enough when you needed money they HELPED you. FloBridge gives everyone the opportunity to work out payment arrangements (even stopping all interest on the loan) to help our customers pay off the loan.

We have thousands of happy customers and I'm sorry you feel you were harassed. This all could have been avoided simply by calling our customer support team and telling them your financial situation. They would have worked out a repayment plan that was suitable of all parties. Flobridge Customer Support

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I would understand if we were an illegal internet lender, however, we are LICENSED.

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The license Flobridge has posted on its website specifically says it is NOT authorized to make internet loans to residents of other states.

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I am sorry flobridge drone feels that way as well , I tried to work a good solution with them and they defrauded me and my employer, It took the banking commision to stop them, They clearly violated state laws, theirs and mine, give me a break, your going to lose some money on this one flobrige, can anyone say class action law suit

I recently received this email from them. Not sure if it's like the threats from above, or if they can actually DO what they're saying!

Dear ,

We have made repeated attempts to reach you regarding your past due loan balance.
You are hereby given seven days from this notice in accordance with Section 7-15-1, Utah Code Annotated, or appropriate Civil Legal Action is being filed against you for the amount due and owing together with interest, court cost, attorney's fees and actual cost of collections as provided by law.
Your employer is currently being contacted and we will immediately seek to garnish wages.
You are currently being added to SCAN (Shared Check Authorization Network). This will permanently affect your credit rating with all bureaus. This will immediately stop your ability to do the following:
1. Write checks throughout the United States.
2. Open any bank account throughout the United States.
3. Receive another loan from any short-term lender throughout the United States.
Representatives are standing by to assist you in bringing your account current, but we can't help you without communication from you. Call now 1 (866) 569-3321.
Regards,

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I recently tried to pay in full my loan, I called and asked if they take it out on the third instead of the secound of june because of Memorial Day. Anna did not know what that day was. When I tried to explain she said that was not a vaild holiday and hung up, I called back got maria (anna's freind) she to would not do it saying it she did not care who died for our country. These non American's where rude, I never been late on apayment and was tring to pay off in time. I was just tring to avoid a 25 dollar bank charge on my account.



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they sent a garnishment to my work and they are honoring it however flobridge is trying to charge me so bs fees such as a garnishment wage fee no where in the contract that i signed did it specify they could charge such fees and they reference Utah code 7-15-1 however nothing applies to the type of collection they are using its only for litigation can they collect up to five hundred dollars and i call them and the supervisor from the garnishment department tells me sorry she gets the final say and she wont waive the fee and that its in the contract which its not she wont return my calls and i cant talk to her manager because she doesnt have one which i find that hard to belive i dont know what to do now if the wanted to charge me 1000 dollars what it is ok then?

They can't garnish your wages without a court order!

They are imposing a "wage assignment" which you signed in the loan application, all you need to do is send them a dated email that states you are revoking the wage assignment and that they no longer have permission to use it, then, print it out and take it to your employer! A wage assignment is voluntary and can be revoked at ANY time!

Flo bridge is calling me like crazy saying that their going immediately start garnishing my checks. For like two weeks they been calling and leaving those messages and then all of a sudden they stop calling but can they really garnish your checks without you knowing to me your employer should let you know if someone is trying to garnish your checks

Glad to see I am not the only one dealing with these fools. My husband currently has 8 payday loans which I have contacted all 8 to set-up payment arrangements. I have also contacted a Destination Debt solutions to see what was available to us. Well most of the 8 wanted the money either right away or within a month. The debt solution place could not guarantee me anything and it would cost me 400 a month and take 12 months to pay off. You would think that all 8 would agree to a smaller period of time with payments every month and the loan being paid off within 6 months. Well I currently have 4 that have agreed to this option but the other 4 are dragging their feet. Yesterday my husbands work received a wage garnishment from flobridge. I know the person at my husbands work who handles this and she called me at home. I then explained the whole situation to her and told her that they have a license that states that are not suppose to lend to people in other states. I also have informed them that they are illegal because they are not allowed in the state of California to lend more than $300 or do so-called rollovers or extensions. They already received $558.21 in funds for a $500 loan. My husband's emp[loyer informed them that she could not honor this wage garnishment because of their license and it not being court ordered in the state of California. I have no ploblem paying this establishment but when they don't even want to work with you on a payment plan thats when I started investigating the laws and Flobridge itself.

Flobridge has been doin the same to me. I have sent wage/ach revocation, cease and desist, and debt validation letters by USPS and email. I still receive calls stating they have updated info on my acct and employer and will take money. I closed my old acct and have a new... Waiting to c if they really have anything. I document all calls and after 3 or so, I send them an email with dates and times of each call and threat to let them know I'm keeping record. Since my last detailed message ab a week ago has been pretty quiet. Take no crap from them. You are in the right and they know it

What has been the outcome with Flobridge? I too sent them all the right letters, emails, and today received a call from them. I am not sure if I should call them back, or send them an email.....or what I should do.

I am about to start trying to deal with Flobridge - any updates ???

How do we check to see if Flobridge is licensed within any given State - in my case, California ??

As a bit of reference, here is an excerpt from Flobridge's "contract" . .

[quote]
GOVERNING LAW, ASSIGNMENT and EXECUTION. This Loan Agreement will be governed by the laws of the State of Utah. Any dispute arising out of this Loan Agreement will be subject to the WAIVER OF JURY TRIAL AND ARBITRATION PROVISION, which is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16 ("FAA"). We may assign or transfer this Loan Agreement or any of our rights hereunder. If this Loan Agreement is approved by us, then you agree that the electronically signed Loan Agreement we receive from you will be considered the original executed Loan Agreement, which is binding and enforceable as to both parties.
WAIVER OF JURY TRIAL AND ARBITRATION PROVISION. Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. We have a policy of arbitrating all disputes with borrowers which cannot be resolved in a small claims tribunal, including the scope and validity of this Arbitration Provision and any right you may have to participate in an alleged class action. THEREFORE, YOU ACKNOWLEDGE AND AGREE AS FOLLOWS:
1. For purposes of this Waiver of Jury Trial and Arbitration Provision (hereinafter the "Arbitration Provision"), the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to this Loan Agreement (including the Arbitration Provision), the information you gave us before entering into this Loan Agreement, including the Customer Information Sheet, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) all claims asserted by you as a private attorney general, as a representative and member of a class of persons, or in any other representative capacity, against us and/or related third parties (hereinafter referred to as "Representative Claims"); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you.
2. You acknowledge and agree that by entering into this Arbitration Provision:

• YOU ARE WAIVING YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES;
  
• YOU ARE WAIVING YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and
  
• YOU ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES.
  

just about all illegal lenders have that contract,or type of contract.it's all BS and double talk.btw the fatal flaw in that stupidity is that if you should file BK this debt would be wiped out,and nothing in that ramble is gonna supercede that.flobridge can SIT ON IT!!!!!!!!!!!!

How do we check to see if Flobridge is licensed within any given State - in my case, California ??

your AG,or DFI websites have that info.

I tried looking on my Attorney General website - there doesn't seem to be any area to check on this information.

What does "DFI" stand for?

I'm sorry ... I found it - Department of Financial Institutions.

FYI (for anyone in California), Flobridge is NOT listed as having a license within the State of California --> http://www.dfi.ca.gov/directory/regulate.asp

For possible helpful reference for those who may have problems with Flobridge in the future, here is the letter I just emailed to them . . .

[quote]
May 25, 2011

FloBridge Group LLC d/b/a FloBridge
691 W. 1200 N., Ste. 100
Springville, UT 84663[COLOR=black][/COLOR]

This letter is to inform you that I have become aware of the FACT that the loan you issued to me is NOT legal or binding in my State - California. For your convenience, I have included my state payday loan laws below.

Cal. Fin. Code ???????? 23000 to 23106
Loan Terms:
Maximum Loan Amount: $300
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 loan: $17.65
APR for 14-day $100 loan: 459%

The state of California requires internet payday lenders to be licensed in California. I have already researched this information through both the California Attorney General???s office and the California Department of Financial Institutions and have discovered that your company does NOT have a valid and/or active license to lend in the State of California - in violation of California Financial Code sections 23035, 23036 and 23037. If I am mistaken I will need proof in the form of a license number so that I may verify it with my State Attorney General, Kamala D. Harris. I am bound by the State laws where I reside. Therefore, as I have no presence in Utah, I have no legal obligation to the 'governing laws' of you may have detailed.


From the inception of my relationship with your company, on April 12, 2011, in which I obtained an online ???payday loan??? in the amount of $200, Flobridge instituted a finance rate of approximately 34.25% (or 782.14% APR) - or $68.57 on April 29, 2011, $60.00 on May 13, 2011 ??? which also included an additional $30 payment toward the principle loan balance) and are currently scheduled to deduct $51.00 on May 27, 2011 on a $170.00 remaining balance (which, again, represents a 30% interest rate when the maximum allowed fianc?? rate/fee for loans made with a California entity is 15%) . Through today???s date, May 25, 2011, Flobridge has debited my bank account $128.57 in finance/fee charges ??? when the legally allowable amount (if Flobridge were properly/legally licensed within the State of California) would be $60.00.

Pursuant to the above-noted payday loan laws/codes and regulations of the State of California, this figure represents $60.00 over and above what Flobridge ??? which, again, is NOT a legally licensed payday loan provider within the State of California ??? would have otherwise been legally allowed to charge/debit had Flobridge been a licensed lender within the State of California. As an unlicensed, and therefore illegal, loan provider in the State of California, I am only legally obligated for repayment of the principal loan amount, or $200.


Be advised that as of today, May 25, 2011, I am revoking ANY and ALL ACH authorizations with your company from debiting any AND all of my personal accounts, per Federal law as codified within Section 907(a) and (b) of the Electronic Funds Transfer Act (15 U.S.C. 1693e). I also revoke ANY and ALL wage assignments I may have signed, by Flobridge ??? including, but not limited to, any of your affiliates, dba's, and collection agencies assigned to this account. None of the above, effective May 24, 2011, any longer have my permission to access my accounts or impose a wage assignment.


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Electronic Funds Transfer Act
907. Preauthorized transfers

(a) A preauthorized electronic fund transfer from a consumer's account may be authorized by the consumer only in writing, and a copy of such authorization shall be provided to the consumer when made. A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution orally or in writing at any time up to three business days preceding the scheduled date of such transfer. The financial institution may require written confirmation to be provided to it within fourteen days of an oral notification if, when the oral notification is made, the consumer is advised of such requirement and the address to which such confirmation should be sent.

(b) In the case of preauthorized transfers from a consumer's account to the same person which may vary in amount, the financial institution or designated payee shall, prior to each transfer, provide reasonable advance notice to the consumer, in accordance with regulations of the Board, of the amount to be transferred and the scheduled date of the transfer.

[Codified to 15 U.S.C. 1693e]
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Given the above noted non-licensed illegalities involved in this situation, I propose the following good-faith resolution to this matter:

As your organization (unlicensed in the State of California) has illegally over-debited me (via bi-weekly ACH debits from my bank account) in the amount of $128.57, your organization agrees to accept a remaining balance of $41.43 toward payment-in-full of the principle amount borrowed ??? thus concluding our relationship and considering this matter satisfied and closed.

If you wish to propose a reasonable counter-offer for resolution of this matter, I am certainly willing to review and consider such.

I will only communicate to resolve this matter via email.

If you do NOT reply to this notice within 48 hours I will not only be obligated to file complaints with my State Attorney General, Kamala D. Harris, but also with the Better Business Bureau, the California Commissioner of the Department of Corporations and the United States Federal Trade Commission. Furthermore, if you ignore this notice and attempt to contact me or any of my references via telephone and/or if you reply to this notice with any misleading legal implications or menacing course of actions, I will be forced to pursue further legal actions against you which could cause you to lose what legitimate licenses you possess, as well as cause damage to your reputation - which could potentially decrease your clientele!


Sincerely,
[/quote]

Here is the email response I received from Flobridge . . .

[quote]
Thank you for your e-mail. We are aware that you can find all sorts of these copy and paste form letters on the Internet. In general, we prefer that customers contact us if they are having trouble repaying their loan instead of this approach that wastes a lot of time for both of us. We understand that our customers are often facing difficult circumstances when they come to us for a loan and we take a customer-focused approach to helping them including many options for helping customers repay their loans.

Please note that we did not solicit you in California. If you look at your loan agreement with us, you will notice that it is made in Utah. We follow the legal premise that your loan was made in Utah and is subject to the laws of Utah. It is interesting that when you were getting a loan from us???and the money was flowing into your account???you didn't express any of the concerns noted below. Who knows, maybe you intended to take our money and not repay it from the beginning. My understanding is that fraud carries a pretty hefty penalty in all states.

Anyway, whatever your reasons you are obviously not happy with your loan. (It doesn't make us happy either when we get threats instead of phone calls.) You may or may not know that lenders making these types of loans participate in several networks where we share information about borrowers that pay and borrowers that do not. If you refuse to pay, it will be noted and you may never be able to get a loan like this again, no matter how badly you may need one. Alternatively, you can pay as agreed and take advantage of this service should you need it again in the future.

A third option is this: if you return the full amount of the principal you borrowed, we will send you a mutual release contract and consider your account paid in full. You will not receive another loan from us, but you may find one from another lender elsewhere.

Please let me know what you would like to do.

Blake Collins
President

[FONT=Times]FloBridge Group
[/quote]

[SIZE=2]Notice how Mr. "President" throws out a threat of "fraud" within the content of his email. What's also ironic is that while he accuses me of using a "cut and paste" letter (which is how it started), I did in fact customize it quite a bit with my specific information and State laws concerning proper licensing requirements. Notice now Mr. "President's" response does not contain any specific information related to MY state .... i.e. his "cut-and-paste" response. (Can you say "hypocrite?)

In any case, I would very much welcome any thoughts, feedback and further advice on how to proceed and deal with this.

:)
[/SIZE][/FONT]

respond this way,and it will contain actions by you.do them as this is one illegal piece of garbage.here goes.

to blake the deluded fruitcake.it's obvious you are the head of an illegal enterprise,and think i'm stupid.not only are you not licensed in CA.you are not licensed in UT either.seems you like to throw out bluster and illegal threats as the fraud threat is illegal.i'm not responding any further.in fact this and any other email are being forwarded to the CA AG.as part of a complaint i'm filing.don't think for a second that i'm swayed by illegal threats.btw i won't take calls either if i do they will be recorded.again you are a putz.you are the supposed president of an illegal enterprise,and any future email stupidity is being forwarded without a response. laters.


anyway respond like that.

Oh my gosh.....talk about copy and past, I got the same exact letter, and I live in Oklahoma. I replied with cease letters, and he told me that only applies to 3rd party and they are the original collector, so basically they can do what ever they want. They are still calling me, and threatening me with wage assignment now, which I already revoked.

really?no DV and the FDCPA apply to third parties.not only can anybody be sued for not abiding by a c&d,but stating that is an indication that this is not a legal entity.why?if they were legit they can sue in response to a c&d.that is if they were legit.which blake's criminal enterprise is not.you revoked the wage assignment.good maybe that is why this yutz is willingly violating a c&d.look into legal action of your own at this point.

Below is his exact reply from Blake.

Thank you for bringing up the FDCPA . I'm very aware of these statutes, however, they pertain to THIRD PARTY COLLECTORS. We are the Original Creditor which exempts us from these statutes. Regardless of the above our only goal is to communicate with you and work out a solution to repaying the amount you borrowed.

Moving forward your account will be noted that you refuse to pay and your account maybe added to SCAN (Shared Check Authorization Network).

if they do that then they can be sued as since you gave no check.they can't report it to to SCAN.that is another illegal threat.he is right about the FDCPA,but a c&d applies to anybody,and they must either sue,comply,or be sued for ignoring it.a c&d is not universal to the FDCPA.

Well, I spoke to my bank and had a hard stop placed on any further ACH deductions. I also spoke with my bank's claim department and gave them the heads-up in case Flo tries to proceed anyway.

Further, here is my written response to Mr. Collins' attempt to be clever . . .

[quote]
Mr. Collins:

While I appreciate your timely response, I find it somewhat ironic that - within the text of your response - absent is specific information I requested from your organization toward substantiating your legal status as a licensed consumer deferred deposit financial services provider pursuant to California Financial Code section 23100(a) and (b), as well as evidentiary substantiation that your organization is in compliance with statutory regulations and requirements for deferred deposit transactions pursuant to California Financial Code sections 2305(a)-(b) and 23036(a)-(g)

Please be advised that I have researched and been in contact with both the California Department of Financial Institutions and California Department of Corporations - and neither possess any record of Flobridge having a valid legal license to conduct deferred deposit financial transactions with consumers of the State of California.

Further, your statement that your organization did not/does not solicit consumers in California is both inaccurate and an attempt to mislead/obfuscate the fact that your organization - be it though it's own actions or through whichever third-party affiliates and/or affiliate networks Flobridge associates itself with - does solicit California consumer business via electronic mail marketing efforts/ventures. Even if this were not the case (which it is), Flobridge's ability to conduct financial services with consumers within the State of California is still governed by the laws and regulations of the State of California - again, as codified in California Financial Code Sections 23000-23106.

Therefore, absent provision of the specific requested information/substantiation of Flobridge's legal license status to conduct business within consumers of the State of California, be again advised that as of my communication of May 25, 2011, I am revoking ANY and ALL ACH authorizations with your company from debiting any AND all of my personal accounts, per Federal law as codified within Section 907(a) and (b) of the Electronic Funds Transfer Act (15 U.S.C. 1693e). I also revoke ANY and ALL wage assignments I may have signed, by Flobridge ??? including, but not limited to, any of your affiliates, dba's, and collection agencies assigned to this account. None of the above, effective May 25, 2011, any longer have my permission to access my accounts or impose a wage assignment.
[SIZE=2] [/SIZE] -------------------------------------------------------------------------
[SIZE=2] [/SIZE] FDIC TITLE IX - Electronic Funds Transfer Act
907. Preauthorized transfers

(a) A preauthorized electronic fund transfer from a consumer's account may be authorized by the consumer only in writing, and a copy of such authorization shall be provided to the consumer when made. A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution orally or in writing at any time up to three business days preceding the scheduled date of such transfer. The financial institution may require written confirmation to be provided to it within fourteen days of an oral notification if, when the oral notification is made, the consumer is advised of such requirement and the address to which such confirmation should be sent.
[SIZE=2] [/SIZE] [FONT=arial][SIZE=2]
(b) In the case of preauthorized transfers from a consumer's account to the same person which may vary in amount, the financial institution or designated payee shall, prior to each transfer, provide reasonable advance notice to the consumer, in accordance with regulations of the Board, of the amount to be transferred and the scheduled date of the transfer.

[Codified to 15 U.S.C. 1693e][/SIZE][/FONT]
[SIZE=2] [/SIZE] -------------------------------------------------------------------------
[SIZE=2] [/SIZE]
[SIZE=2] [/SIZE] Once again, given the above noted non-licensed illegalities involved in this situation, I propose the following good-faith resolution to this matter:
[SIZE=2] [/SIZE] [FONT=arial][SIZE=2][/SIZE][/FONT]
[SIZE=2] [/SIZE] As your organization (unlicensed in the State of California) has illegally over-debited me (via bi-weekly ACH debits from my bank account) in the amount of $128.57, your organization agrees to accept a remaining balance of $41.43 toward payment-in-full of the principle amount borrowed ??? thus concluding our relationship and considering this matter satisfied and closed.


Again, I will only communicate to resolve this matter via email and if this notice is ignored and/or you or any representative/affiliate of Flobridge attempts to contact me or any of my references via telephone and/or if you reply to this notice with any misleading legal implications or menacing course of actions, I will be forced to pursue further action through my State Attorney General and any/all relative State of California/Federal regulatory commissions.

I look forward to hearing from you as to how you wish to proceed.

[SIZE=2]
Sincerely,[/quote][/SIZE]

wait a minute.you overpaid by 128.57.you do not give these slime anything period.in fact they owe you 128.57.please i mean this in the best way possible,but how after this moron threatened you with fraud can you see paying them anything?again they owe you 128.57.do not give this idiot another dime if you can change that letter.the least you should get is a PIF.sorry to get worked up,but again they owe you.don't givein.

I hear what you're saying, Paul . . . I just figured I'd demonstrate a good-faith effort to resolve a matter amicably - which will be very strong in my favor should Flobridge attempt to (illegally) pursue this matter further. Should Mr.Collins respond in any other way but in agreement, then I will rescind the offer and demand a refund - else refer Flobridge to my State Attorney General.

Please don't take this as ignoring the AMAZING advice you have provided to/for me . . . I just feel that if my Attorney General and/or a Judge were to see that the consumer TRIED to resolve the matter fairly/reasonably, it will go a whole lot farther AGAINST Flobridge should they try to play hard ball.

make sense?

a little,but two points.

1)this place is illegal,and can't/won't do jack to you as far as suing you.
2)pay them,but i guarantee they will harrass for more if you do.

so i hope you see where i'm coming from on this.

Well, since I did not hear back from "Mr.Collins," I am going to write back and rescind the offer and tell them that our business is concluded.

I sent him another email telling him to either sue me, or send me a letter of paid in full. The phone calls have finally stopped, but I have not got my letter yet. If I dont get soon, I will flood him with emails like they did to me unitl I get it. I wouldnt pay them another penney!!!

UPDATE:
At the very least, it appears that my ACH Revocation Letter, bank hard-stop and follow-up email may have worked ... as there was no ACH debit from Flobridge to my bank account today (as, otherwise, there would have been).


:D

FLobridge does NOT allow you to workout a payment plan. they will leave messages saying that ..but when you call them back within a matter of hours, they are very rude and nasty and uncompromising! Especially the billing dept. And yeah they helped loan money but didnt bother to notify me that the deposit wont be until 4 days later, :?:! OH Flobridge, your communication skills are alot to be desired for ....by none.

Not surprisingly, I have not heard a further word from Flobridge since responding to the last email I received from them (above).

I don't think they're used to people actually doing the research to expose them for the disingenuous SCAM ARTISTS they are.


:cool:

I've read through all the threads, and all have been very informative. I'm currently going through a "Wage Assignment" with Flobridge and just found out about the company not having a licensee here in California. I'm not one to "Take the money and run"..sorta-speak, but I want to know if I can tell my payroll department to stop sending them my money because it is NOT a court order. I've tried talking to Flobridge to setup a new payment plan due to personal financial hardship (thus the "Wage Assignment") and they refuse do so.

My "original" loan was for $400 dollars with a finance fee of $128.57, which would make the payoff $528.57. According to their "Wage Assignment" $1127.85 is due and currently my employment has sent $477 to them. So, technically I still owe $51.57 to make the $528.57 payoff.

Can I legally send an email to Flobridge telling them I am revoking the "Wage Assignment" and have my employer stop sending them money? I would appreciate any response and useful "Sample Letters" to send to Flobridge regarding this matter.

Also, is Flobridge still not authorized to do paydayloans? I read this article and was curious about that. Here's the link to the article I read:

http://www.ag.idaho.gov/media/newsReleases/2011/nr_07192011.html


Thank you for taking the time to read and hopefully respond to this.

Yes you can revoke the wage assessment as it is totally voluntary. Just make sure that you send revocation letter to both Flobridge and your HR department. Without a court order they will not be able to continue taking money from your paycheck.