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Geneva Roth/Loan Point - Have they worked with anyone?

Submitted by bea2ls on Thu, 07/17/2008 - 10:15
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Hello, it's been awhile since I wrote on this particular board. back in maybe March/April, I was overwhelmed with several loans. With the help of this wonderful board, I have settled with most. The only one left is Geneva Roth. I have taken many loans out with them in the past. (They said since 2006). I have paid thousands in illegal fees. The last loan I took out was for $500 and I have not paid anything on it because I than shut down my bank accounts. I live in NJ and it is my understanding that these loans are prohibited. I am more than willing to make arrangements paying the principal but in payments, since I'm poor. (lol, really I'm having huge money problems). They call once in awhile, I sent out complaints to the BBB, FTC, and my state's attorney general. They kinda dissapeared for awhile than I recieved a call at my work phone. I told her not to call me here and hung up. Than I forwarded the letters again to them. She left a msg on my home phone (which i checked when I got home from work an hour or so ago) and asked if my company would like me using their email?
I called her back and remained calm (a first for me to those who have seen my posts on the other boards!) She was acting funny, kept saying my name. She kept going on about how I am using my company's computer to apply for loans (which isn't even true! I only forwarded the letter to her because I happened to have it on a disk I carry in my purse.)
She said I owe $950 (bull, because the loan was for $500!) she said they are in fact legal and that they will pursue. To be honest, I doubt they will but am scared of what they will try to do.
I cannot afford to get in trouble at work for using this email one time (i'm paranoid to even post this message because I'm scared the evil company is reading this!)
She offered a $300 settlement that is only good for today, payable by credit card. I would have loved to have settled to get it good and over with but I don't have $300.
To be real honest, my entire paycheck is going to my landlord because I am three weeks late with rent. I have no money for food, gas, car payments.. today, for example I am trying to sell jewerly for a $66 electric bill. I have a second job that starts in August and things will be easier than (I lost my last second job because the store I worked at let people go because they were losing money with the bad economy). Everyday I do nothing but cry and pray. I borrowed money from family to settle with Capital One and cannot ask them again.
What can I do to make arrangements? I am not trying to cheat anyone. I have taken maybe about 50 payday loans in the past (maybe more?) and have paid every single crazy fee because I thought it was right. Than I found out they weren't legal and am tyring to still make things right by paying towards the principal.
She said she won't give me a physical address (though i do have one from reporting them to the BBB), she said I cannot ditact to them how to pay this loan. She said I have taken so many out that I know how this is done. She said they will do everything they can to get the $950 from me. She said I was marked down a refusual. Than she once again mentioned the email thing. Seriously, how can I work with them? I tried to get their ACH Processor from my bank, but I closed the account so long ago that they said they cannot help me. I really am scared, I'm actually going to start counseling because my debt has got me feeling so low. I just want to make things right and pay it down. But I can only afford to pay little at a time. Can someone please offer me advice?
Thanks


Does anyone have any advice? I'm a bit more calm now, just really scared of what they might try to do with my employer. I don't see how their illgeal loans has anything to do with the other or why they just won't let me make payments? What's ironic is that if I sent in little payments starting in April, the prinicpal would have been paid now.


Submitted by bea2ls on Thu, 07/17/2008 - 11:52

bea2ls

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Does anyone have any advice or insight?? I have settled with companies before, thanks to this wonderful, caring board but cannot find a way to make them working with me. I know they are prohibited in NJ but they keep saying they????????re legal and won????????t back down. I am sending follow-up reports the the FTC, AG and BBB (even though the BBB doesn????????t work because Geneva keeps saying they????????re legal and I owe them $950!) I have paid this company thousands in illegal fees and I just want to make payments towards the principal. What can I do?


Submitted by bea2ls on Fri, 07/18/2008 - 10:45

bea2ls

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I filed a complaint yesterday with the State of Utah. I am also following up with my state. They also are saying I owe them. but they really never said how much, only a large sum. Yesterday I spent most of my day on the phone with one of their reps. He really did not get too crazy with me, but when ever I asked him for copies of the original contract and the mystery last extension and email saying I would pay them more money he tired to avoid it by just saying since we can not come to an agreement then I will have to send this further to collections and you will be contacted by them.

You see I have from them a BBB response saying my account was marked paid in full and an email saying my balance would be cleared. he told me that the email from them was supposed to mean I needed to pay them another $390 and my account would be closed.

I personally do not care what the email was meant to say. It didn't say it, and I didn't agree to pay more. If they are stupid enough to send me to collections then I say let them. I have copies of everything. I will go to court. They have to come here. And they are not licensed here. My state says you need to be licensed here regardless if you operate on the internet or in another state. They will be fined. Not my problem.


Submitted by srjanes on Fri, 07/18/2008 - 11:19

srjanes

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Thanks for the insight - i'm feeling the same way.. pdls are prohibited in NJ (no matter what they say!) and i doubt they'd ever take me to court.. i just wish they didn't have my work number, stuff like that. I'm still looking for their ACH processor, i'm sure they'd be interested in all this?


Submitted by bea2ls on Fri, 07/18/2008 - 11:22

bea2ls

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Oh.. so they play the good customer route,lol. these places are so predictable! They know they're wrong.. if I really owe $950 they would never settle for $300!! (Capital One made me settle for $400 on a $600 bill, for instance..) I guess I will keep going at them, I didn't plan on backing down or anything ;)


Submitted by on Fri, 07/18/2008 - 13:02

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07/20/2008

I have a friend who I sent on their behalf a validation letter and about 45 days later, just a few days ago, she got in the mail a "cash advance agreement" that she got on the internet for this loan. She lives in IL. It is from Geneva Roth Ventures (internet).

She has already paid over the $300.00 she borrowed and she stopped them from taking any other monies out of her checking accouting some time ago, for now anyway.

Since they went over the 30 days to validate, is this loan null and void? I also understand that this internet loan is illegal in our state of IL. anyways.

What can I tell her or do for her except send another letter stating that you violate the validation letter and now the loan has to be forgiving? Is that about right?

let me know please asap?

Thanks,
Luke


Submitted by Lukeskywalker on Sun, 07/20/2008 - 12:57

Lukeskywalker

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How long ago did you close your bank account? It seems to me that a bank keeps records for quite a while. I would really push to find who the processor is. PDLs are prohibited in NJ so that works in your favor. I am in NY and they are prohibited here as well and I think that was my ace in the hole. Is this under geneva roth or does it have a particular name attached to it?


Submitted by llw1995 on Sun, 07/20/2008 - 13:23

llw1995

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Ya know, I, for one, am getting pretty tired of the nonsense that these slugs are putting people through. Trying sending your communications regarding the same to this address. No promises but it can't hurt to leave no stone unturned.

Geneva Roth Holding
"jrjgenevaroth@yahoo.com"
8009 Skywall court
Las Vegas, NV 89123-0723
US
Phone: (702) 896-0369
Fax: 999 999 9999


Submitted by llw1995 on Sun, 07/20/2008 - 13:27

llw1995

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Ok, thank you llw1995.

Ill have her send a follow up to the 1st validation letter to the address that she sent it to and also to the address that you listed above just incase. I too am tired of so called people praying on other peoples horror stories that they have lived thru or still living. Some day it will end, and maybe we will do that here toghter.

luke


thanks again,
Luke


Submitted by Lukeskywalker on Sun, 07/20/2008 - 14:14

Lukeskywalker

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Luke. . these people are ruthless and the part that makes me angry is that they don't even care about how they are destroying lives. I would send whatever I have to that address as well as any other address you have available. Can it be attached to an email so it can be addressed quicker? I'm an impatient person, I want resuls like yesterday that's why this ordeal was doubly difficult for me. I just couldn't let it ride. I kept after them until I got what I wanted. I sent emails day and night and to every available address I had. It finally paid off. Keep at em'


Submitted by llw1995 on Sun, 07/20/2008 - 14:21

llw1995

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Thanks for everyone who has responded! I didn't have access to the internet this weekend so I couldn't check up. I am working with my bank to get their processor.. they are making me so so so angry! like i said, i'm broke as it is and they want me to pay $950 on a $500 loan that is prohibited in my state?? Please.. I have settled with other companies with no problem.. i don't know what their deal is.
My bank isn't really helping too much neither.. they weren't too much help when i was going through this and i dont bank with them anymore and they're telling me they dont have the ach processor? whatever, imma keep trying.. i did follow up on all reports, though and will keep looking for their processor..


Submitted by bea2ls on Mon, 07/21/2008 - 09:03

bea2ls

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Thanks.. when i called my bank before they kept saying it came from Geneva Roth and they offered me a number.. (the loan was with loan point usa..). wouldn't it be scary if they processed their own loans? I doubt it but still disturbing.. i will call the bank again though and word it that way, thanks.


Submitted by bea2ls on Mon, 07/21/2008 - 10:00

bea2ls

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State of Utah told me to get in contact with Rebecca West at Genvea Roth. The problem is I have emailed her and have left her messages and still no response. I overpaid on this loan. the sharks want more money and now I am not sure what to do. I filed complaints to everyone. My state says they are sending out letters this week. It's about time over a month. Anyway, has there been any success with them at all. I keep reading that they are able to get your new account information. That's all I need is them coming after me for thousands.

anyone?


Submitted by srjanes on Mon, 07/21/2008 - 14:56

srjanes

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ok, i will look into that.. i'm through talking to them on the phone.. i found going right to the top works best. with other companies, the top admin usually wants you to shut up and settles faster. i have no problem paying the principal but i do have a problem listening to abusive "customer service" reps telling me not to ditact to them how it should be paid. HELLO, ITS PROHIBITED IN MY STATE!! they haven;t called in awhile.. not since last week, it seems to be their style to harass me than leave me alone for a week or more. i am still looking into everything. i dont think my state's AG did anything, they basically sent me a letter, telling me to report them to the BBB. Ha! NJ is such a joke..


Submitted by bea2ls on Tue, 07/22/2008 - 05:48

bea2ls

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I just sent an email to the admin address, so now it is a wait and see thing. I hope someone does reply. This is just crazy. You know I could see if I owed them, but I don't. Anyone that I owed I paid them and that was that. Geneva Roth now male three that I overpaid that just wants more money.


Submitted by srjanes on Tue, 07/22/2008 - 06:57

srjanes

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Still nothing. This is just frustrating. They have not called me back since last week. I was trying to find an email address for Mark Curry. From what I found in my searches is that he also helped form Smith Haynes and Watson. I believe he is alos the co-founder of Online Lending Alliance. Which I find ironice because it pretty much states how online lenders should do the following:

OLA List of Best Practices
Provide full disclosure of loan terms to customers
Maintain a reasonable cancellation policy
Remain in compliance with all applicable laws and regulations
Provide comprehensive website security and consumer privacy
Provide referrals to credit counseling, education and assistance where appropriate
Employ non-abusive collection practices
Maintain compliance with all Truth in Lending Practices
Recommend compliance with state licensing requirements

Mark Curry also has many campaign contributions on record. I think I will start to reserch those as well.

I know I am rambling but I the people here truly understand what I am going through.

I have read so many posting regard Geneva Roth or Smith Haynes getting new account information. I thought I read on one of the psting that someone from SHW said that they can debit any account they wanted to because they were members of the bankers association. If someone know of this posting can you let me know? I thought they would have to get a judgement against you to have access to your account. I wanted to find out from the bankers association.


Sorry for the long post


Submitted by srjanes on Wed, 07/23/2008 - 18:03

srjanes

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nothing new to report yet. One thing I mentioned when I filed the reports was how the lady I spoke to kept saying they were a multi-millon dollar corporation.. maybe that will attract the FTC?
I don't know, it's sad because I paid soo much money in stupid fees to these people. I don't know why they're sweating me like this. I seriously have paid maybe 25 times what I have taken out in the past two years. One time I paid like $1200 for a $200 loan!
I also heard of them finding new account numbers and that is scary. they need to be stopped.


Submitted by bea2ls on Thu, 07/24/2008 - 14:09

bea2ls

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bea2ls

Please take my advice. You need to contact Rebecca West at Geneva Roth. She will be able to help you. I might take a few days for her to get back with you, but I tell you she will. After talking to her, I truely have to believe that there are people out there who are willing to work with you. Below is her information. I think it is best to contact her by email, but I will her phone number as well.

Rebecca West
rwest (@) genevakc.com
1-800-351-8820 ext 1225


BTW this is srjanes I forgot to log on


Submitted by on Thu, 07/24/2008 - 17:09

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Unfortunately I have also had dealings with this company and i am also exasperated with them. I want to get the original contract they wont give it. i know i owe 430 but hey want more and i truly dont want to use a checking account or debit card cause we all know that they always take more out than they are supposed to and they wont give me an address to send a money order to I need help. any advice


Submitted by on Fri, 07/25/2008 - 06:31

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with so many of us seeming to have problems with this company, there are 109 complaint on lawcash.com, is there a way maybe we all could file a class action law suit. and get these people to cease and desist with their practices?


Submitted by on Fri, 07/25/2008 - 08:00

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tina mac - where do you live and how much did you borrow? Also when did the loan originate? When I spoke with Utah Financial Instituations it was explained to me that after 12 weeks all extension and rollover fees could not longer be applied to the loan everything you paid after that would automatically pay down the principle. They also told me that the laws of the actual consumer supersede the laws of where the loan originated from.

That being said, many PDLs feel that if they are licensed in a state then those and only those laws apply.

Also post your loan info here. I have received so help from everyone here.

You should really email or call Rebecca West.


Submitted by srjanes on Fri, 07/25/2008 - 13:33

srjanes

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i contacted rebecca west but no response yet :/
i trust your advice on her and will try again.
thanks to everyone.. i think a class action lawsuit is a great idea! i mean, in the contract we signed against it but still.. i had settled with other companies and have paid these bullies thousands more than i ever borrowed. enough is enough.


Submitted by bea2ls on Tue, 08/12/2008 - 10:28

bea2ls

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my questions is about ; genevaRoth are they legal in ct. if not how do I go about stopping them


Submitted by on Fri, 10/10/2008 - 07:01

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no pdl is legal in CT because pdl's are prohibited in CT. i suggest
closing your current account.opening a new one then send a ACH revocation letter to geneva roth.then give the letter to your old bank and new bank.geneva roth is notorious for debiting peoples accounts years after the fact.they ignore the
ACH revocation letter.that is why i recommend giving the letter to whatever bank you use after closing your current one.to summarize pdl's are illegal in CT and geneva roth is one of the worst out there.


Submitted by paulmergel on Fri, 10/10/2008 - 07:12

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