Can payday lender really do this?

I took out a loan from one click cash for 250 dollars last year to help with an unexpected vet. bill when my dog got sick. I paid the ENTIRE loan including fees, and interest back when the debited my account for six weeks like they were suppose to. Two months later they started debiting my account again. I contacted them numerous times, and never could get anywhere with them so I just closed my checking account, and opened up another one. Somehow they got my account and routing number for my new acct., and started debiting it as well. Now not only did I pay all of the loan back, but somehow they are debiting my new checking acct. w/out my permission. First how would they get that info., and how did they even debit it when they didn’t have permission nor a reason from me? I have already reported it to my bank and they are dealing with it, but this really makes me mad b/c they caused me to o/draft, and my rent check bounced.

need a payday avance?

ive tryed most leading lenders but all are awkward for example only take on people who are paid monthly or got a checkbook or earn over £250pounds a week i earn £210 a week and paid weekly with no checkbook but have a debit card please help im in need of a small loan weather it be a payday or small cash loan im currently a discharged bankrupt of 4 years manythanks in advance
timmy h

Bad credit cash advances?

Due to medical expenses we have fallen behind on bills, rent, utilities etc. My credit score is not very good because of these recent problems. I have been trying to get a payday loan. Friends have reccomended a few websites. Each one I go to says they will match me with a lender. I fill out the application and get redirected to another website that says they will match me with a lender. Does anyone know of a legitimate website to directly apply for a payday loan? I am only in need of $1000 to cover the rest of this months rent.

Grammar check please?

The interest rates on payday loans are always higher than regular loans because they are risky for the lender and only last a couple of weeks.

Do you think its funny when McCain supporters still say they dont know what Obama’s change is?

Here comes all the “empty suit” references from the rightwing mouthbreathing, knuckledragging squad.
John McCain/Bush stands for a third term of the disasterous Bush administration, the guy should be stuffed and mounted and put in a museum somewhere in South Carolina.

Here are some of Senator Barack Obama’s positions:

Opposed the Iraq war from the start.
Voted to end the war in Iraq.
Supports capturing and killing Osama Bin Laden.
Favors a $1000 tax cut for every working American family.
Will implement tax form simplification to reduce filing time.
Provide tax credit for all middle class homeowners.
Provide a tax cut for all families making less than $75,000 a year.
Amend NAFTA to protect American workers.
Amend NAFTA to strengthen environmental protections.
Providing Flex Ed training accounts for workers.
Extending Trade Adjustment assistance to service workers.
Supported Patriot Employer Act of 2007 that gives tax credits to large companies that keep workers here in America.
Double funds for basic federal research.
Implement a long term research and development tax credit.
Invest in green technologies.
Reduce carbon emission gases.
Tackle the challenges of global warming.
Create an energy focused youth jobs program.
Create Federal Renewable Portfolio Standard.
Extend the Production Tax Credit.
Expand Broadband into every community.
Keep the Internet tax free.
Expand high speed internet access in rural areas.
Fight for passage of Employee Free Choice Act.
Ensure freedom to unionize.
Would overturn “Kentucky River” classifications of Bush’s NLRB
Protect rights of striking workers.
Increase the mininum wage to index it to inflation.
Crack down on predatory lenders.
Provide a universal mortgage tax credit for homeowners who don’t itemize.
Sign the Stop Fraud Act to prevent lending fraud.
Mandate accurate loan disclosure.
Create a fund to protect people from foreclosures.
Close the bankruptcy loophole for mortgage companies.
Establish a credit card rating to improve disclosure.
Ban utilateral credit card charges.
Apply interest rate only to future debt.
Prohibit credit card interest on fees.
Prohibit Universal defaults.
Require prompt and fair crediting of cardholder payments.
Protect working people from unfair bankruptcy laws.
Ban executive bonuses for bankruptcy companies.
REquire disclosure of pension investments.
Cap outlandandish interest rates on payday loans.
Implement legislation to drive unscrupulous lenders out of business
Create a bankruptcy exemption for people that went broke because of medical bills.
Double funding for after school programs.
Extend Family and Medical Leave Act.
Encourage states to adopt Paid leave.
Expand the Child Care Tax Credit
Supports ratification of UN Convention Rights of Persons With Disabilities.
Supports independent, community based living for people with disabilities.
Expand educational opportunites for people with disabilities.
Expand job opportunities for people with disabilities.
Strengthen civil rights enforcement.
Sign into law the Fair Pay Act.
Sign law reversing recent SCOTUS rulings that permitted discrimination against women.
Sign law reversing recent SCOTUS rulings that permitted discrimination against racial minorities.
Strengthen federal hate crimes legislation.
Eliminate the sentence disparities regarding crack cocaines.
Establish drug courts for first time, non violent offenders.
Create a prison to work incentive for those transitioning back into society.
Passed a law to prohibit the practice of racial profiling.
Supported reauthorizing the Voting Rights Act.
Opposes all discriminatory barriers to voting.
Helped reform death penalty system in Illinois to protect innocent people on death row.
Voted to ban cluster bombs.
Provide high quality affordable child care to families.
Will quadrulple Early Head Start funding.
Will increase Head Start funding.
Creates early learning challenge grants.
Abolish overly rigid teach to the test curriculum in schools.
Improve accountability in public schools.
Invest in intervention strategies to reduce dropout rates in schools.
Increase funding for afterschool programs.
Supports Step Up program to increase summer learning opportunities.
Support English language learner programs.
Expand college outreach programs.
Create teacher service scholarships.
Requires all public schools to be accredited.
Create teacher residency programs.
Create the American Opportunity Tax Credit for higher education.
Streamline financial aid application.
Introduced legislation to increase Pell Grant to $5,100.
Reduce carbon emissions by 80% by 2050.
Confront deforestation.
Promote carbon sequestration.
Accelerate commercialization of plug in hybrids.
Promote development of commercial scale renewable energy.
Invest in low emission coal plants.
Transition to new electric digit grid.
Double science funding for clean energy products.
Create Green Jobs Cor

I had sent a complaint into the Missouri division of finance in regards to being harrassed about my boyfriend

loan. So basically they told me his private info and continued to harrass me for payment. I called the division of finance and they told me to submit a formal complaint both for myself and on behalf of him (since he is on a job site out of state) Today I received a letter form them addressed to he and I and it is a copy of what they sent to the person in charge at the company (a payday loan company) it reads as follows:
Dear Ms ?:
This office has received a request for assistance on behalf of SO and So (my boyfriend). As you can see from the attached materials (our complaint) that we have received, there are some questions raised concerning the way the loan was handled. We question the validity of any contract involving someone who is a the outset not involved in the loan. We would appreciate your review of this account and your advice concerning what has taken place. We would be especially intrested in whatever remedial action might be appropriate. WHAT DOES THIS MEAN????

allegations on my social security number please. help!!!!?

yesterday somebody was calling me i have 3 allegations on my ss number… they know information about me like my name the last four digits of my ss number and the last four digits of my bank account. they told me i have an unpaid loan from cash advance usa for 300 dollars and it was on january 2010. what was funny about it is I DON’T REMEMBER HAVING ANY LOANS OR TRANSACTIONS on that payday loan company they are telling me. they had told me they wired the money on my bank account on january 2010 but i reviewed all my bank statements and didnt see any transactions. also this is the first time i heard about a payday loan like that so it is very impossible for me to get a loan from them THOUGH they know some details about me..even my address and my friends cause i used them as a reference on one of my loans WHICH IS not even related to cash advance usa. and all my loans are paid ON TIME. i just want to ask if is it a fraud? or what. i’m really confused if they really can send me to court or something. the number that was calling me was from texas and im from nevada. this is really putting me on too much stress. i need you opinions pls:( THANK YOU!

Where can I find a legit loan?

I was curious as to why I got turned down for a loan at my bank. Then I ran my own credit check to find out that my FICO is 507. I reviewed the entire list and with one phone call I found that there were numerous (some identical) listings from the same collection agency. One conversation, with the collection agency explained everything. A doctor’s office had not submitted billing to my insurance company within their required time frame, 90 days. I can contest and have these items removed by proving it was the fault of the doctor’s billing department. I contacted the collection agency a few months ago but and they agreed to remove it but, its still there and I’m still getting turned down for credit. I also have a workman’s comp claim that was never paid by my ex-employer, I have just been getting the runaround between the employer, collection agency and the doctor’s billing department. I have a credit card that I was late on, but has been positive for the past five months.

I have had some personal issues come up and had to miss three weeks of work. I also had to put money down to buy a vehicle when it became apparent that paying the down payment was more feasible than dumping more money into a vehicle that had so many problems. This has left me broke. I got into a payday loan mess that I need to get out of, that’s part of it, I want to add the remaining balance of my auto loan and a small installment loan that I have. All together I would like to get $5000.

So there’s most of my situation. I need to get some funds together rather quickly. Does anybody have any legitimate ideas on how I can get the loan?

If anyone wants to offer the loan and requires an upfront fees need not reply.
If there are any ideas I need a website address, street address or a land line telephone number.

collections harrassment? Ontario Canada.?

Hi

I took out a payday loan in November from the Cash Store. It was for $200. I paid an extra $6 for loan insurance in case I lost my job (volatile job market). Well about a week later i did lose my job.
I called the cash store and told them what happened. They asked for my Record of Employment. I scanned it and emailed it in to them. I got an email back from the manager saying she received the ROE.
About 3 weeks later, they called me again. Said they had more paperwork I needed to fill out. I asked them to email it to me, which they did. I could not open the file. I went into the store FOUR times asking for the actual paperwork. The woman working told me she did not have access to my file at that time and to try back when the manager was in.
I went back a few times, and the manager was never there. Once they asked me to wait for her. I waited for an HOUR (with a 9 month old baby in December) for her but she didn’t come back to work.

I didn’t hear anything from them for several months. However, in that time, they had tried to take the loan amount out of my bank account 4 times (I never used that account, so it had no funds in it). I got charged $47 each time for non sufficent funds. EACH time it tried to come out I called the store and asked them to stop trying to remove it from my bank, as I had submitted my ROE and had paid for loan insurance. The woman at the store told me that the old manager in charge of my file had been fired. She would “See what she could do” for me. also during this week, someone from head office of the Cash Store had called me to inform me that I had an outstanding loan. I explained everything that had happened, and he apologized and said he would call me back later that day to tell me if he could find anything out. He never called back.

Then Friday I went back into the store to ask about the status of the loan and my loan insurance. The new manager said the store no longer had the file as it had been sent to collections, so she could not tell me anything about it. I asked why I had not been informed it had been sent to collections, and she told me they had sent a letter stating it had been written off in their office and sent to a collections agency. I NEVER received a letter. Our neighbor delivers the mail and I asked her if she ever saw anything and she said no.

Yesterday (monday) I went back into the store to complain about how this was being handled. The new manager actually SHRUGGED her shoulders at me, telling me she didn’t know what was going on. I asked her for the paperwork to fill out AGAIN and she said she no longer had my file, and “reminded” me she had told me that 3 days ago.

Yesterday evening, head office called me THREE times, hassling me about this. They said they had the paperwork, and needed it filled out AGAIN. I said I should not have to waste SO much of my time figuring this out and that I had paid more in bank fees than the loan was actually FOR. He said I didn’t need to yella t him, he didn’t need my attitude, and hung up on me. I called back and he answered. I asked to speak to his supervisor. HE put me on hold for 45 minutes. I finally got his supervisor, who told me I didn’t need to “cop an attitude” with her workers. She also told me that “this is how we do our collections- you’re the one in trouble here, not me!”
I finally got SO mad I screamed at her never to call my home again, that if they did I was going to press harassment charges. I hung up. 5 minutes later they called back and said they had emailed me the paperowkr, Ic oudl fill it in, and fax it back. They had found my ROE that I had submitted.

This morning, the guy called AGAIN. He told me he reviewed my file and denied my claim for loan insurance due to the fact I hadn’t filed the paperwork in time. ?!?!?! I asked him what the hell he meant, and he said I would have needed to fill out the paperwork the week I took the loan- before it had come due to be paid. I lost my job like 2 days before it was due to be paid. HE told me it was past their deadline for insurance and the loan was due in full immediately or they would take me to court. I told him he could do that if he wanted to I would get a lawyer and fight it. He told me “Ha yeah right lady, I hear that ALLLLL the time! ”
He told me to just pay it because I would spend more in lawyer fees than it was worth. I told him to NEVER call here again and hung up before I totally freaked out.

I am STEAMING mad about this. I didn’t hear from them for MONTHS so I assumed it had been handled. Then they start calling several times a day threatening me and laughing at me and telling me to (oh this made me SO mad) “shut up and listen”.

Is there ANY legal recourse I can take to fight them, or to press charges for harassment? I know I took out the loan in the first place, but I paid for loan insurance in case of job loss (w

When asked about Barack Obama’s achievements and qualifications for President?

Why do his supporters rattle out this list and feel that it’s a big enough “Gotcha” to back everyone off?

Barack Obama:
*Harvard and Columbia Grad. (Good for him, a lot of people did the same)

*Occidental College student. (student again, good for him).

*Former educator with University of Chicago Law School. (those who can’t do, teach)

*Illinois State Senator. (voting record? PRESENT)
*US Senator. (voting record? PRESENT)

*Business International Corporation employee. (again, not a leader)

*New York Public Interest Research Group. (again, not a leader)

*Gamaliel Foundation. (again, not a leader)

*Editor of the Harvard Law Review. (Ok)

*President of the Harvard Law Review. (Finally a leader)

*Attorney. (OK)

*Joyce Foundation. (not a leader)

*Chicago Lawyers’ Committee for Civil Rights Under Law.(Not a leader)

*The Center for Neighborhood Technology, (what is that?)
*Lugenia Burns Hope Center. (Ok)
*Co-chairman of the bipartisan Joint Committee on Administrative ( another co- position) Rules, Obama supported Republican Governor Ryan’s payday loan regulations and predatory mortgage lending regulations aimed at averting home foreclosures. (2001)
*Chairman of the Illinois Senate’s Health and Human Services Committee. (2003)
*Ranked by Congress.org as the eleventh most powerful Senator. (2008) ( only number 11 aye?)
21 hours ago

*CoSponsored the Secure America and Orderly Immigration Act.
*Coburn–Obama Transparency Act.
*Sponsored a Senate amendment to the State Children’s Health Insurance Program providing one year of job protection for family members caring for soldiers with combat-related injuries.
*Senate Committees for : Foreign Relations, Environment and Public Works and Veterans’ Affairs, Health, Education, Labor and Pensions and Homeland Security and Governmental Affairs.

So he’s been involved in organizations and a member of multiple committees. What way does he qualify to LEAD A COUNTRY? This isn’t about McCain, and it isn’t about me. If you can’t answe the question respectfully and truthfully without making it about someone else, don’t bother. Answer the actual question. If Obama hasn’t led anything and has only been a part of the crowd all this time and wouldn’t even go up against his own party in for any real issue (as admitted by him at the debate), how is he going to get an entire country (not to mention Congress) behind him? Do you care?

Will someone tell me the best website to get a payday/cashadvance loan?

I want an actual lender not a matching service. That seems to be all I can find. I am looking for a small amount that I can pay back over 90 days or more with no credit check.

CANT FIND A SIMPLE PAYDAY LOAN?

Im Looking for a paydown loan LENDER that will give me 300 Dollars i make 1,000 Dollars i have *NO CREDIT HISTORY WHY IS THIS SO FKING HARD TO GET A SMALL LOAN THAT I CAN PAYBACK NEXT MONTH WTF IS UP WHY AM I GETTING DECLINED IVE CHECKED MY CREDIT HISTORY I HAVE NOTHING ON IT THIS IS PISSING ME OFF I REALLY NEED 300 DOLLARS AND CANNOT FIND A SIMPLE LENDER THAT WILL GIVE IT TO ME IT KEEPS DECLINEING IS THERE ANY POSSIBLE WAY TO GET ONE!!!!!!!!!!!!!!!!!!!!!! THAT IS NOT A SCAM!

legitimate private lenders?

a freind needs aprivate loan of 2000 to do outside work on house the insurance co sent letter today she has null to no credit that aloan company will accept she is willing topay 4%onthe amount through alegit lender or company that canwork with her on a8 month setup she just mod her mtg so she cant go to citi and ask for ahome inprovement loan payday loans keep sending to different sites after infor tired of doing that brother lawyer to check loan papers if any one can help 2kids trying to keep roof over head please answer asap by 10-1-2010 thanks

Any suggestions on what to do now regarding my soon-to-be-defaulted payday loans?

I began getting payday loans in April of ’07. I was just an inexperienced young adult trying to keep my car and my rent paid for me and my disabled mother. I quickly got trapped into a vicious cycle of debt. I rolled over numerous loans until I ended up with 9 storefront loans!! It finally became too much for me to handle. I’ve even already used extended payment plans with all the companies who would allow, but I ended up going back to reloan to carry over the burden of the remaining loans and my escalating bills. 8 of my loans will soon be in default. I did stop payments on the checks and closed my account and opened a new account. I placed my closed account on credit only status; the bank will now call for authorization for any debits. I just missed my due date for all the loans and haven’t contacted most of the lenders yet. One called me at work and immediately became rude and threatening when I told her I couldn’t pay the total amount or the interest to roll over. She threatened a lawsuit and wage garnishment. I know this is possible, but there is no way I can afford a wage garnishment from 8 separate lenders. I am so nervous about contacting the remaining companies because I know that these places just want their money and do not want to work with you. I am going to draft a letter revoking wage assignment rights and access to my bank account as well as a directive to not call me at work. However I fear that this will not stop these companies from harassing me at work. I know I’ve made a huge mistake and I want to pay but I just can’t pay all at once. The one lady I talked to already denied my request for a payment arrangement. Are there anymore suggestions as to what else I should do?? I don’t want to just sit around and wait for court, and I fear some of these companies will reject any payments I may make. Please help me! I am overwhelmed! I have sincerely learned my lesson. If I pay $50 a month to each lender I can have them paid within about 10-12 months. That’s all I can afford, almost more. Any suggestions or support or advise would be greatly appreciated. Thanks!

need some help please?

not married, no kids, no car but employed and still owe a ton of money. i owe 13,000 in credit card debt, almost 3,000 in payday loans which is causing my checking account to be over draft which i thought had protection and have applied twice for it. please do not send me to any more payday lenders which will cause even more debt to incur. Have looked at credit card debt counseling and they are going to start helping me with payments of 330 per month. is that still 2 high as i earn $ 600.00 or less bi weekly

Can they garnish my wages if i have already told them i had a plan to pay them back. They do not understand i have other bills which are starting to be behind starting this month

must add no one want to lend me money to pay off debts. Have very bad credit and it will get worse for the next few months if i do not get any help. plus i have been reported to tele track