I have read all of the comments here about how paydayloanyes.com has been ripping people off. They go under many names and the newest one, I believe, is USA Cash Express. Please don't be worried about this company. This is one of the biggest scams going on the internet and I can't wait for the day that these thieves are bought down. I had the same experience as most of you. I live on a fixed income, am disabled and needed cash. I applied for the loan online, sent the pay stubs and bank info and waited for a response. I got a call right away after applying online and was told that I was approved for $300.
After reviewing the fees and looking them up at the BBB, I decided not to take the money. Imagine my surprise when the money was in my account the next day. I was furious because I, too, did not give them authorization. There was no electronic signature, etc. Anyway, I closed my account completely the very next day and the only way that I could close the account was to take out the $300 that they put in my account with me. I had no choice because I knew what was coming after researching them, which is something I should have done first.
I contacted them the next day and asked how I could return their money. They stated that I would have to give them my new bank info. I told them I hadn't opened a new account and if they wanted their money, then I needed an address in order to return it to them via cashier's check or money order. Naturally, they didn't have one. Long story short, I moved to another state and started getting my SSD checks via mail. Of course, that is about to change as of 3/1/2013 so I'm not sure about opening another account in another state, because I had read stories of other victims who had done the same thing and somehow these thieves found a way to get into their new accounts as well.
I'm sure it's because they have our SS#'s. I had so many phone calls from them all stating the same thing; they were going to sue me, called me names, threaten to go to my work, etc. After talking to Bonnie, Anthony and who knows else, they put some official-sounding guy on the phone who said he was an attorney. Please do not be intimidated by these thieves. They can't take you to court because then they would be exposing themselves for what they are. They finally quit calling me when I told them to please take me to court, that I would like nothing better than to expose you.
EZCorp (NASDAQ: EZPW) is the largest pawn shop operator in the world by market capitalization. It is a publicly traded company based in Austin, Texas. The company is primarily involved with retail, payday lending, signature loans, and pawn lending.
EZCorp lends or provides credit services to individuals to meet their short-term cash needs. The...
A loan agreement is a contract entered into between which regulates the terms of a loan. Loan agreements usually relate to loans of cash, but market specific contracts are also used to regulate securities lending.
Loan agreements are usually in written form, but there is no legal reason why a loan agreement cannot be a purely oral contract...
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