Now that's pretty dang sneaky!!

[sunshine08]

OK, but you have to admit it is very frustrating. We here are not in trial and I, personally don't mind answers questions, but I do have serious issues, with judgemental remarks presented by one particular contributor. He doesn't mind asking questions & spouting advice in a less than polite manner, and gets mad when he is called on it. This isn't the first time for him either. (if you are a female lightening, I apologize to the male species)
This is the general talk section we we can talk about pets, names, jobs, etc. I think as long as we are voicing our opinion in a a manner that isn't obsene, then where is the problem??????

[Minnymouth]

To all of YOU,

We don't want new people to our forum to open their 1st thread and it be people "bashing each other"... constructive criticism is one thing "bashing is another"......

Voice you opinion, disagree, but do it with tact, taste, and a purpose!!!

Even I have in the past told someone "where to stick it"........

But it can get out of hand, and we need to keep it under contol... it's like a dog with a bone and another dog shows up.....!!!!

I have to admit - ITS INTERESTING - everybody's viewpoint..... and many are excellent point of view.... Right on target!!!

But lets be "cool" about it and voice our opinion in good taste!!! You can still get your point and opinion across....


Just my opinion,

Minny

[Genenco]

When did you receive the full terms that you quoted in your original post?

When I received confirmation email of money sent.

[Genenco]

To all of YOU,

We don't want new people to our forum to open their 1st thread and it be people "bashing each other"... constructive criticism is one thing "bashing is another"......

Minny

OK Minny, if responses are such, I may or may not respond...

[Genenco]

The main point of the original post, was just that the "terms" of the loan (Amount, length and fees) I could find. What I was posting about it the METHOD of their "Repayment" which I didn't know until after I was approved and received the money.

To have suggested I didn't read them..well, now you know why I called someone what I did.

Like I said before, how many people have easy access to a fax machine? Yes, I have one (But it's on the fritz) and yes, there's some at work. But who wants others to know they are dealing with those types of compaines?

It was simply a complaint about these companies and how much better off, I might have been, had I dealt with one of the local places (Which take your personal check) in the area...

Not that I am planning on such in the near future, but I sure won't be dealing with the online ones again.

[sunshine08]

Genenco - good for you. WE ALL HAVE A RIGHT TO OUR OPINON & TO EXPRESS IT.

[Genenco]

"If a man can make you "mad" - he PROVED he was smarter than YOU!!!"

Minny

"It is far better to keep ones mouth shut and be thought a fool, then to open it and remove all doubt"

[Minnymouth]

"It is far better to keep ones mouth shut and be thought a fool, then to open it and remove all doubt"

I'm not the ONE who used payday loans online and got stuck with the hidden fees!!!!

Yes payday loans can cost you out the yaya!!! Many have even hidden costs that are not revealed until you find out at "payup" time.

So User Beware,

So much for that topic!!

Minny

[Genenco]

I'm not the ONE who used payday loans online and got stuck with the hidden fees!!!!

Minny

Neither am I minny, I wish you and lighting would READ the reason FOR my complaint instead of jumping off the deep end...

Try it, read my reason for my posting. Thank you....

[Lightning]

OK, call me anything you want, but it was quick enough.

Long story short, I needed $450 I hit up 2 online payday loan companies.

I'll pay back the amount (And $135 interest)

I'm not the ONE who used payday loans online and got stuck with the hidden fees!!!!

Neither am I minny, I wish you and lighting would READ the reason FOR my complaint instead of jumping off the deep end...

I'll admit it. I'm a bit confused.

Did you take out pay day loans or not?

[Minnymouth]

Now straighten me out..................
You stated that you needed $450.00 and used an online payday loan.....RIGHT?
Then when it come time to payup - there were $135.00 in hidden fees..... Right?

Did you do the payday loans or not??

Also, I am aware that your thread is "about the hidden fees" and how "sneaky" these companies really are.... You are just making us "aware" of them. And I also think that it's great that you help warn the rest of us. You said you will "pay the freight" and be more careful next time...

I AGREE with you completely, they are very sneaky, many items are not totally disclosed about their process.
Any many people will get "hung" paying extra fees.

Is there something else I missed????


Minny

[StaciMM]

Hey LIghtning-you're confused because you're quoting 2 different people, LOL.

[Genenco]

OK Folks (Yes, this includes you Lighting) here's the re-broadcast of why I am peeved...

I needed $450 No probs, got it.

I have to pay back $450 AND $135. Ok No probs..

Now here's why I am PO'ed.

I have to contact them, and tell them "I want to payoff the loan"

They then fax a paper for me to sign and return.

Sounds simple right? Well, that's the thing, it is and it isin't.

I have a fax machine which is eating paper and transmissions are not going through..So I need a new one. So, I have to call the local Winco and get their fax number and then call the loan company and let them know I want to pay the loan off and give them the fax number.

Then drive up to the Winco, and getting the fax (And paying $0.25-$1.00 a page. Not too sure what the prices are now) and then sending it off (Another $0.25-$1.00) and then waiting till the debit the account.

Now this sounds pretty easy and it is, for someone like me, who has easy access to a car and such. But let's now take away the car. The nearest fax center is 5 miles from me anyway. So, now what? The bus? Sure, but you're adding a bit of time there...

How about the weekend? Sorry they are CLOSED!

Now do you see? The places here are also closed, but only on Sunday.

In addition, they have the "Default" setting if you don't do anything, it rolls over..Why not have it that they'll debit the account unless you say different?Because they won't make more MONEY!

OK, I've said enough...Hope this explains all.

[Lightning]

Yes. That clears it up.

The terms were clearly spelled out. You read them and understood them and agreed to them.

You personally had no problems paying the loan back.

It sounds like you just hate these companies and want to warn people to stay away from them or at least be careful. I think it's probably safe to say everyone here knows payday loans are a bad idea.

Honestly, I think you're probably ticked off at yourself for needing to go to them for money.

[Genenco]

Yes. That clears it up.

The terms were clearly spelled out. You read them and understood them and agreed to them.

You personally had no problems paying the loan back.

It sounds like you just hate these companies and want to warn people to stay away from them or at least be careful. I think it's probably safe to say everyone here knows payday loans are a bad idea.

Honestly, I think you're probably ticked off at yourself for needing to go to them for money.

Possibly, possibly. I know it wasn't something I did eagerly and have had second thoughts about. But the damage is done and so, I'm not afraid of anything in the future.

I might be more forgiving, like I said, if they had the "We'll be coming to you for repayment" as their default. That way, the repayment is paid quickly and there's less danger of falling deeper into the pit.