love letter from Ameriloan

Krussell, funny is what we do best around here. You have to have a sense of humor to make it..:)

***Plotting more vulgarities***

yep, we have an improv show every evening...

Hehee..If they only knew what went on in chat...lol

I wonder what these PDL's talk about..

"Hey, did you see them giving us cyber fingers and mooning us yesterday?" LOL

lol, I know. Some folks probably couldn't handle our chat room antics, Jessi.

LMAO!!! It's like a freakin' sitcom to them. I bet they wish they could be one of us.

I think it's more of a sitcom to US...For some reason I don't think they're laughing..lol

No, you're probably right.It's tough to laugh when the joke is on you.
This place is BETTER than any sitcom I have ever seen..the fun never ends!

Yeah, folks that work for payday loan companies strike me as pretty humorless. I keep reminding myself that they have families to feed too...maybe thats why they're so cutthroat. I hope they can sleep at night...

Ever notice that frequently when you get an email from a payday loan place there are a ton of misspellings and terrible grammar? I used to want to print the email out, correct it with red sharpie, and send it back. I had one company who couldn't even spell their own name right.
It always makes me smile to think that the people there are uneducated and unpolished.

Then we they send you one of their stupid "letters" they want you to take it serously! I have a "thing" about correct spelling and language usage (the teacher coming out in me). I am not talking about something like a message board or a casual email cause everybody makes typos---but if you want to be taken seriously correct spelling is a MUST.

Grammar and spelling are pet peeves of mine too, especially when the offenders are representing businesses. I must say that ameriloan's''s'
compliance's's departments needs' lesson's about appropriate use's of apostrophes'ss'''ss'!

OOOH, I have a major problem with apostrophes in the wrong place..I have been known to fix menu boards in restaurants..I am also **** about semicolons, but I understand a lot of people don't understand the rule..It just seems that a business would have any literature proofed.

[color=Red]****Adult term removed - Jason[/color]

You guys will appreciate this...

A friend of mine took this at a park in Columbus where he was playing with his kids..

I told him to go over there and correct it..Or be really funny and write a note back and say "Yeah this is MY park, not YOU'RE park. So my dog can go wear it want's two" He said he probably will.

Jessi-that's too funny! I make typos too because my arthritis sometims punches the wrong keys,but I expect a business to know how to spell,if not,you probably don't need a business. :lol: ...Karen

Is this picture showing up to anyone?? I'm just getting an X...But it works if I preview??

It just shows up as a x to me too.I clicked it and it said page had expired...Karen

hmmm...gotta think another way, this picture is just too good...lol

Here's the actual link..Excuse the "vulgarity" in the title..

i50.photobucket.com/albums/f312/groovemaster13/shit.jpg

Oh, and speaking of PDL's...Advance America near my work had a road sign in front of the buidling they're located in, and had it not been for the cop in the parking lot, I would have taken the sign so I could hang it in my bedroom....lol

LOL, Check into cash has a commercial on the radio..It has a really catchy theme song...It says something like "when you're in a bind and you need help real fast...why don't you...ch-ch-ch-check into cashhhhhh."

That is a very cruel irony!

You know what's really fascinating; I've heard a couple of different store front pdls advertise on the radio lately, and they all list their licensing info at the end of the commercial.

I kid you not.....3 weeks ago, the assistant at the Advance America on my delivery route was going door to door across the street at an apartment complex putting flyers on everyones door about them being open for business and how they could help out in the event of cash emergencies, such as medical expenses, car repairs, assisting with due rent to avoid late rental charges....ha....the rental offices late fees are far less than the fees charged by the store front pdl lol....I wanted to put a note on every door saying....."don't do it....I did and it has ruied my life"

You should, fedex..I wish one of those fools would come to my door..I have PLENTY to talk about.

I would get up on the pulpit and preach to the choir!!!!

This is good information to use when I have to start the collection process with ameriloan. Im in PA so can someone tell me the max interest I can be charged and to make sure Ameriloan wont try no BS when I have to deal with them. I will be posting this same post as there are 9 others I owe as well, including Geneva Roth, which I got a loan from them and never made a payment on because I close out my account. LMK.

Darnell I have the PA laws posted around here somewhere. I know they are hard reading! I'll try to scrape them up for you.

I'm still amused at how they feel posting on a debt consolidation forum relates to fraud.

Yeah I know, I guess they haven't heard about that lil freedom of speech thing that we got going on in this country.

Hey ameriloan....neener neener neener!

So last week I sent four companies--Ameriloan, United Cash Loans, OneClickCash, and Bahamas Marketing Group--the exact amounts they had withdrawn from our bank account since last August or so. I asked for refunds from all four, which was something I didn't do with my first letters.

I finally heard from United Cash Loans and OneClickCash this morning. Our accounts with them have been marked paid in full and closed, which is a major improvement over last week's responses from them. Sadly, they are refusing to issue refunds. Oh well. Bye bye $1500. Honestly, I'm just happy to have them out of our lives!

The last I heard from ameriloan, I was still committing fraud by posting here. Whoops! And I haven't heard one iota from BMG, but at least I finally found an email address that didn't bounce back.

Anyway. Thank you to everyone for all your help. I'm feeling very encouraged, and I couldn't have settled this mess without all of you! I enjoy this board so much--I think I'll stick around and try to help other folks out with "committing fraud".

Yeah we're all in the fraud boat together, you may as well stay in with us, no use jumping ship now. Congratulations on your good news. Interesting that all three of those companies are related and they only accuse you of that from one. Good luck with your other two.

Sue

So now were the ones committing fraud by exposing them for what they really are? How bout all the money that they have stolen out of peoples accounts that they refuse to give back? What about all the harassment they impose on people when they call? I think htey need to rethink the fraud aspect.

Sue, I really think it's interesting that ameriloan (hi there, Ameriloan! XOXO!) didn't email me this morning. I got the emails from OneClickCash and United Cash Loans within about 5 minutes of one another, and thought for sure I'd hear from Ameriloan too.

Tammy, Ameriloan has a very interesting definition of fraud! I wonder if I'm committing fraud when I'm driving to work or brushing my teeth... :)

Or committing fraud by going to the bathroom, or walking across the floor. THis is one company I didn't get a loan from, but had loans with their buddies.

Really, I'm just amazed by their scare tactics. I've really come to discover how important my money is to me--I guess they must count on people not caring or being easily frightened...

When we first defaulted, I was so scared when they called and threatened us, but when I found this site and learned that there was nothing they could do, I fought back and they don't like it when people fight back and let them know that they are violating the laws.

Fraud my foot lol....they are breaking laws of several states. It is their responsibility to read the laws of states in which they conduct business in....as Virginia says.....
Quote:

Hey you guys, we're almost scaring me. I agree - my comment was sarcastic and I agree with Tammy that I was scared also but after finding out my rights and fighting back makes me feel better any loan I ever got.

When dealing with payday loans, I was definitely scared. I was scared that I wouldn't be able to feed my kids because of all the debits to our checking account! I agree Sue, I felt so relieved once I found this site and learned about my state's laws. I was a bit nervous when I sent those letters, but I've never been scared because I know I'm in the right and these b*st*rd companies are in the wrong!

I was given a "contract" to sign by a payday company that basically told me they would settle and I needed to pay them a sum of money, which I don't get, BUT I had to keep my mouth shut basically. The same thing that krussell got. I don't understand why I need to sign it if they are obeying the laws of my state. They feel they are abiding by all laws, but want me to sign that paper saying I will not discuss the contract or anything on it. What's up with that? I'm not a moron here. I'm going to use it as toilet paper I think.

Gallopy, do you actually owe money?

As far as I'm concerned, the stuff ameriloan wanted me to sign was just intimidation and scare tactics. I'd be willing to bet it wouldn't even be legally binding. But yeah, toilet paper sounds like a good alternative!

I have that I owe them less than what they are asking for. I didn't send the letter that is on the site here, but I did state the facts and laws of my state and they didn't like it and wanted to settle right away. Would not even answer me if they had a license in my state. Irritates me and then they sent me this contract to sign. I don't like it and do not agree with it. I'm not signing it. That takes my rights away. I have every intention to finish paying off what I owe, which is a small amount, but I am not going to be played with like that. They charged too much for the payments by my state laws and also are not licensed in my state. I quoted my state's laws to them and that is what I got back. Basically, shut up and let's make a deal. Not gonna happen so easy. I'm just sending them the payment and not signing any forms.

Good for you! It seems to me that if they accept your payment, they're agreeing with your payment plan...

gallopy...I think we would all love to see this messed up contract that they want you to sign!

Well, we finally heard back from ameriloan this morning. They're refusing to write the loan off and are sending the total amount due to collections. Funny thing is, according to our former bank and the laws of our state, they actually owe us $60. Too bad they don't see it that way.

So I'm girding my loins, getting ready for phone calls from collectors. I'll definitely ask for a debt validation letter...any other suggestions?

I contacted our state's attorney general's office about Ameriloan on Tuesday morning--sent them all our documentation Tuesday afternoon. Hopefully they'll get back to us early next week...

Still, ugh. I halfway feel like Ameriloan is refusing to settle when the other payday lenders did because of this thread...I don't regret posting here, but I'm very very grumpy with them for making us take these extra steps. I'd even use bad words, but then the spam filter won't let me post. Believe me, I've tried... :)

It isn't like they could even sue you??

Ameriarses...why you being hardheaded??? Give the man 60 bucks would ya?

k-did they give any rationale? What remedies does CO law have available to unlicensed lenders with usuious interest rates???

Quote:

i defaulted on a loan with them what can they do to me?

You say they are not licenced in any state? I live in Arizona and have a loan with them - I think oneclickcash is also ameriloan which is rio resources is it not?