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What rights do I have if a payday loan company never gave me a copy of my agreement?
Wiki User
∙ 14y ago
none, unless you have proof. And unless they admit it. They would have a record of the loan to you with your application, so they can say you are just saying that you did not receive your agreement. They have more evidence than you do.
Wiki User
∙ 14y ago
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Can a payday loan company legally go by your home to collect money?
No. Even if you tell them to come on by, they never will. They love to try to scare you into believing that they are law enforcement or have some super powers bestowed upon them because they are payday lenders. Not so. They can't even threaten to come to your house. Check out the Fair Debt Collection Practices Act (FDCPA) for more info on your rights with creditors.
Is priortyadvance payday loans a fraud company?
Yes they are a scam they will try to collect when you pay the loan off and lie say they never reach your money
Can a mortgage company who took over your mortgage two years after bankruptcy discharge require you to reopen your bankruptcy to enter into a reaffirmation agreement if prior company didn't need it?
They would never have more rights than the mortgage company they bought it from.... This would seem very, very, highly unusual...and likely impossible...and why would they want anything if your current...if your not...well that's a different story.
When will strawberry panic be dubbed?
Never, since the American company that licensed it has the rights and didn't dub it. The only chance of it getting dubbed is if they let go of the US rights, and an actual dubbing company got it. This situation, however, is very unlikely.
A sentence using the word agreement?
We made an agreement to never fight again.
The payday loan is charging me for a amount of money I did not receive can i dispute this?
Did you actually take out a payday loan? Often, if you default they will try to attach additional fees, outrageous ones at that. If you never took out a payday loan, you need to find out why they are taking money from you. You should call the lender immediately and find out what's going on. If it is a case of trying to take more than you owed, you should talk to them and find out why. The problem with some payday lenders, especially on the internet is that they can be shady. They won't stop trying to debit your bank account, so you may have to close it. Contact your state attorney generals office and find out what their laws for payday lending are. Contact a consumer rights attorney. If someone is taking money you don't owe, then you need to also inform law enforcement. If you applied for a loan, and they never gave it to you but are trying to take it back out, you need to research to make sure they never deposited the money into your account to begin with. Let your bank know what's happening.
How are payday lenders able to stay in business?
Payday lenders are able to stay in business because there is a market demand for payday loans. Payday loans are illegal in only 13 states, leaving plenty of other states free to lend. Now that payday loans are easily available online, more and more people are looking toward payday loans for financial assistance when they need it most. If people need to borrow money, they will do so. The moment people stop needing to borrow money, which will be never, will be the moment payday lenders will be unable to stay in business.
What is the payback amount for using payday loans?
For those of you who are unfamiliar with payday loans, a payday loan is a short term loan that is intended to cover a borrower's expenses until his or her next payday. The typical payday loan amount ranges from between $100 to $1,500. There are typically fees associated with payday loans. The fees vary between lenders but are normally around $15-$20 for every $100 borrowed. Payday loans can be an expensive alternative. Remember never borrow more than you need and always pay back the loan on time.
How do you get out of payday loans?
There are at least four (4) ways to get out of paying a payday loan, summarized as follows: * Repay the loan * File bankruptcy * Die * Ignore the loan, change bank accounts, and never use that payday lender again But according to me the best way in all 4 is the first one "Repay the loan" on time i.e. on your next payday.
Can a payday loan company get you on bad check charges in Maryland if you have filed bankruptcy and the loan was discharged?
No. In fact, payday lending is illegal in Maryland. You wouldn't even have to file bankruptcy on the payday loans. They couldn't touch you in Maryland anyway. Even if you do file bankruptcy on them, they will still most likely call and harass you. They are well known for disregarding the laws, including bankruptcy laws. A payday loan and a bad check are two different things. Unless you physically wrote a check to a storefront lender, you would not be writing a bad check. I'm sure you never wrote a check at all, but payday lenders will lie and tell you that it is a crime. That's simply not true.
Can a payday loan company really take you to court and get you for a bad check in Texas even if you never wrote a check they just scanned it for your bank information?
Under law, a check can technically be written in any form. The point of a check is your willing authorization for your bank to pay the payee. When you allowed them to scan your check and presumably signed a contract they provided, you established a covenant with them and paid via check, even if the actual check never changed hands. If they paid you money, and you legally authorized this transaction, you've passed a check. While I cannot speak authoritatively on Texas law specifically, I'd say with no reasonable doubt in my mind: Yes they can.
Can you be charged with check fraud for not paying a payday loan?
No. If your state allows payday lending, then they might be able to sue you for default, but that's it. I'm assuming you took out an internet payday loan. It's illegal for them to tell you that you can be charged criminally. The only exception would be if you went to a storefront and actually wrote a check, and it bounced. Then they could charge you with a bad check. If you did it on the internet, you never wrote a check. It's not the same thing. The most they could do is sue you civilly, and that's if your state allows payday lending. Many states have made payday lending illegal. Check with your state Attorney Generals office or financial regulator to get more info on your state and payday loans. Also check out the Fair Debt Collection Practices Act (FDCPA). This Federal law explains why they can't threaten you criminally. You may be entitled to sue them. A consumer rights attorney could help you with that.
