Misinformatoin regarding fdcpa laws

Maybe they're the same!! :twisted:

Do you think that Jeff was sitting around this afternoon when he called the fellow from Texas and said to the group in the snake pit "I'll show those losers on that forum whose the boss! They won't know what hit them! I'll go on their site tonight and lambaste them whith my knowlege!"

dang, looks like our new boy toy is gone.

See guys, we'll always have someone to keep us excited..And I didn't mean that in a kinky way!

Ooh, he's such a big, strong man!!! I'm sooo scawed...

Thanks for vandalizing my post, Amy. As of yet, not a single person has explained how the laws of their state apply even though they signed a contract saying that Delaware's law will govern the contract. Nobody has explained or referenced any law that shows where an online payday lender has to be licensed in each state that it does business with.

Also, you people may know the state payday laws inside and out, but you don't understand the concept of jurisdictional hierarchy. I'd like to see one lawyer come here and defend you losers. You are all wrong. Just plain wrong.

He had some nice big teeth.

Also I don't work for Sonic. I work for Global Financial. They are not affiliated at all. And Global was not the Maltese company. That was a PDL that got shut down by the Maltese government due to more than 5,000 complaints registered by INTELLIGENT Americans like you all as well as state attorneys generals who were able to fight us BY ENGAGING THE ASSISTANCE OF THE Malta GOVERNMENT

Also I don't work for Sonic. I work for Global Financial. They are not affiliated at all. And Global was not the Maltese company. That was a PDL that got shut down by the Maltese government due to more than 5,000 complaints registered by INTELLIGENT Americans like you WITH GENIUS IQS all as well as state attorneys generals who were ABLE to fight us BY ENGAGING THE Malta GOVERNMENT TO ACT

**EDITING BROUGHT TO YOU BY AMY FOR YOUR ENTERTAINMENT, YOU ARE WELCOME

Also I don't work for Sonic. I work for Global Financial. They are not affiliated at all. And Global was not the Maltese company. That was a PDL that got shut down by the Maltese government due to more than 5,000 complaints registered by dumbass Americans like you all as well as state attorneys generals who were unable to fight us so they complained to Malta instead/

This are the payday lending laws for DE, since you say you are licensed. If it states that only 4 rollovers are allowed, then why do you do more than 4? Like the guy from TX said, he has been paying for a year.

:"We are licensed to loan IN Delaware, Utah, and Nevada" from an earlier quote by yourself, with IN being the key word here. You are licensed to loan IN those states, not IN my state. Whose the dumba$$??

Because he defaulted on the loan

JURISDICTIONAL HIERARCY!

So if someone defaults, you think you can continue to collect as long as you feel like it? I didn't notice where it said in DE laws, that if someone defaults, you can rollover as many times as you'd like.

WHAT IN THE BLUE BLAZES IS JURISDICTIONAL HIERARCY?

Yes, you still didn't answer two questions.
1. Why are you looked down on by the BBB?
2. Why are you doing more than 4 rollovers, when DELAWARE LAWS STATE THIS IS ILLEGAL?

put that in your loser pipes and smoke it

I don't smoke, thank you very much. It's bad for your health. Do you smoke, Jeff?

1. Already answered it. Read the thread again.
2. Because I said so/ Because we don't know the laws all that well.

Because YOU said so? So in other words, you're saying SCREW the laws where YOUR COMPANY IS LICENSED! Wow, you're a screwball.

I can't waste my time on slime like you. Good night, Jeff.

I guess that is the most intelligent thing that you can come up with! I would like to know what you are smoking. You can't even answer any of the questions that we have asked you. I stil what to know what you mean by jurisdictonal heirarchy.

I cannot believe this guy has nothing better to do! Things must be rough at GFS these days!!!

Are "McFeeters" and shhhhhh "Pasqualoan" still employed??

Jeff--

The crap you are talking, which none of us are falling for, makes it sound like you are shoving something in your loser pipe and smokin it.

I'm telling you the legal eagles at hispdl do not know that he is on here tonight. He is here without any amunition and he is shooting blanks.

Jeff--

After all, you admitted that you are a loser :roll:
Quote:

If his PDL knew he was on here,they would go out of their smoking trees!!!

Jeff..errrr,are you smoking trees???

Roadwarrior--

This is why they probably threaten people while trying to collect so they'll have that extra money for smokin those trees.

Shhhhhhh....Maybe Pasqualoan would like to read your thread!

Didn't have time to read all 6 pages on this post yet ...

but ALL financial institutions, whether they are collectors bound by the fdcpa or a creditor which is not, must follow the Grahamm-Leach-Bliley Privacy Act. Which, in part, prohibits any disclosure of a debtor's financial information or other non-public information to any non-affiliated third parties.

To come on a public forum such as this, and post a debtor's name and the fact that they owe you money, is a blatant disregard for the GLBPA. Whoever's name you posted should sue you for violating their privacy.

Amen DebtCruncher :D I think I'll highlight and copy this thread and email it to Tim Atkins over at Cashnet500. Jeff probably won't have a job tomorrow :cry:

Tomorrow there shoud be a mass emailing to GFS with this clowns comments!

Better yet,cc them to every employee!

One last comment... the argument seems to be that these places only have to follow the laws of the state in which they are licensed.

An analogy, if you will, on a totally different topic:

Illinois allows its citizens to own guns, but you cannot carry them around with you; we have no right-to-carry laws. Indiana, our next door neighbor, has right-to-carry laws, meaning its citzens are allowed to own guns and carry concealed weapons on them. Now, if a person who lives in Indiana has a gun in their pocket, and they drive across the border to Illinois where that is illegal, and a cop pulls them over and finds they are illegally carrying a concealed weapon... do you think the argument that they were operating under Indiana law will hold up in an Illinois court? NO, because when you are in our state, you need to follow our rules.

Debtcruncher, can you explain to us what judicial hierarchy is?

I doubt Jeff will get the analogy Debtcruncher.

From the American National Book of Collector Translations--

"Judicial Hierarchy: 1) jargon; words used to simulate intelligence. 2) gobbldygook. 3) words that convey the authors understanding of a matter, when really they do not understand the matter at all. 4) finis; words used when a collector does not have a real answer.

Wow, that's almost a Bushism!!! Is he the decider??? And I guess 5000 Americans weren't such dumbasses, slimeball, because they SHUT YOU DOWN!!!!!!!!!!!!! Hurts, doesn't it??? Hey, Cash Today 4U is hiring!!

Wow.

Ok - "Jeff" - I'm going to break this down easy for you to understand, ok:

I get a driver's license in my home state of Illinois. When I drive to Florida, I have to follow the Florida laws in the state, even though I am licensed in Illinois. See - I can do a service in the state, but only if I follow the state laws.

There....was that easy for you to understand?

What a bonehead analogy.

Those are criminal laws. We are talking civil laws. Did the gun-owner sign a contract with the other state saying they had a right to govern all laws? I don't think so.

You are comparing apples to oranges.

STILL TO THIS MINUTE, nobody has explained or cited a law saying that we have to be licensed in a state to do business in that state.

I am based out of Philly. Do I have to be licensed in your state to collect a debt? No.

You crossed over to criminal when you attempted to extort money from a consumer with the threat of arrest.

From 815 ILCS 122/




Does this suffice, or should I quote more?

Jeff, you might want to read this story of Mr. Mitchell who also was a collector who thought he was above the law, now he has a criminal record, what did he do? Oh yea, he threatened to have people arrested if they didn't pay him money. He used to be a collector just like you, but for the next five years he will just have to settle for reporting to his PO.

(http://www.westerncapitalfinancial.com/news_extortion.html)

What the f*ck is that nonsense, Debt Cruncher.

Thanks, Debtcruncher, for the definition of judicial hierarchy. That's exactly what I thought it meant!

Jeff, since you like fowl language, It is the F*ck'n citation of a law you requested.

Foster,now your getting a little out of control with the profanity. What,are people getting to you!

as I said earlier, Tim Atkins is not a real person. Feel free to email him though.

also feel free to email me at ****Email removed per forum rules. Amy

Naaa...There are others over there that we can send this thread to!!!!

(815 ILCS 122/Art. 4 heading)
Article 4. Administrative Provisions
(Source: P.A. 94????????13, eff. 12????????6????????05.)


(815 ILCS 122/4????????5)
Sec. 4????????5. Prohibited acts. A licensee or unlicensed person or entity making payday loans may not commit, or have committed on behalf of the licensee or unlicensed person or entity, any of the following acts:
(1) Threatening to use or using the criminal process in this or any other state to collect on the loan.
...