I should have listen to the guy at Walgreens when he told me that there are gift card scams going on with the iTunes card. Are you this business? They have sent several threatening e-mails stating that I am bound by their internal laws of Costa Rica. However, some companies have extra requirements when giving out a title loan. It doesn't take long online to discover there's a whole network of people trying to buy and sell payday loan leads. Murray says his company — not unlike eTaxLoan — is really a marketing firm.
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What to consider when choosing a payday and title loan lender
I told him I was a reporter, that I didn't really want a loan, and I figured that would be the end of it.
But then, I started to get more calls. And this call is regarding the loan application which you put online. It has been successfully approved by our company as a personal loan. Mary, the very second you receive this message, I need your urgent attention to return the call.
My name is Tom Watson. For months, I got dozens of calls. Many of the callers had strong foreign accents. Kevin said he was from a company called Cash 4 You, which was unconnected to eTaxLoan. By this point, I was wholly confused. ETaxLoan had said it was a secure site, but now, many different companies had my application — and, presumably, my personal information.
It turns out there's a huge online bidding process for such loans. ETaxLoan isn't a lender at all, but something called a lead generator. It finds potential customers, then passes them on. When I tried to contact eTaxLoan to learn more, I might as well have been looking for the holy grail. The company's customer service line connected to a recording that said "due to an overwhelming response to great loans," it could not take calls.
The site lists an address in Delaware — but the company isn't at that address. I spent days trying to find the company's physical location, without success. But eventually, I did find someone willing to talk about the business. Murray says his company — not unlike eTaxLoan — is really a marketing firm.
Stupidly, we did this against better judgment. We were told that all advanced monies would be included in the check to us.
Realizing we were the subject of a major scam, we declined the loan. It seems the only individuals they are assisting are themselves with the requested Green Dot card amounts. This company is radioactive and should be treated as such. A Class Action Lawsuit against all players involved should be generated. I applied at day loan and a man from Usspeedcash. Within minutes Mypaydayloan called me. Fortunately, I had to call them back. But I received 4 more calls from them with different agents which had me a little leery.
Which I thought was fishy. I told him to give me a few minutes to make the transaction and then I Googled the consumer complaints. Thank you for sharing those who were burned before by them. You saved me a great deal of money I don't have. Foolishly I did it. I called back after and spoke to "Jennifer" who told me she transferred the money and that I now had to call the bank manager for the funds to be released. Once again I got his guarantee that this would be the last of the money I would have to pay.
Foolishly I went along with it. Against my better judgment I complied. This is when I decided this had to be a scam and filed a police report. I wish I could give them negative stars!!! His phone was I never saw any money in my account and didn't realize this was a scam until it was too late. Report it to your district attorney if this was to happen to you.
I will never seek a lender on the internet again I was running low on funds and had a tire blowout and tow job that cost me dollars that I didn't have. I then searched online for a loan.
I was called back after about 10 minutes with, Congrats you have been approved for a loan. I was then asked how much I wanted and I said 4, dollars. The pleasant lady that was on the phone was named Jessica. I said I could and she said great but it requires 3 things.
A valid drivers license, a cell phone and the ability to send cash for 5 minutes by western union and that would cover insurance for the loan that once issued, I would get the loan plus the insurance money.
And I said I could. I waited about 10 minutes and called Jessica back and she said I didn't put my official middle name on the form and would need to send more money. I said I want my loan and she assured me it would go through this time and don't put a middle name or initial just my first and last name.
Only this time she wanted dollars plus the fees. I said I only have and she said that it would be okay plus the 40 dollar fee.
Then Jessica called after 5 minutes and said it was successful and the loan manager Craig would call in 5 minutes with the details. He did and this is really where the straw broke the donkeys back.
He verified my info and said that now we needed it to be made legal since I lived in Ohio. There was the matter of taxes on the loan. He said for my inconvenience, it would be dollars now and they would pay their share of the taxes of dollars and I would need to pay dollars to have my funds released from the bank. I responded with, you took all my money.
I don't have If I did, I wouldn't need a loan and I want my loan and my insurance fees back now. Craig said I would then go to jail for not paying the non existent taxes and he would report me to the IRS. I then hung up and went home. I then called Jessica back and said what happened with the loan and what is this crap about the taxes and said she knew about it but I said didn't know and I want either my loan or my money back.
She then parroted the crap about after I paid the I would get my loan. She said she couldn't do anything, so I said I want my money back and she said it will take 24 days but I doubt I will ever see the money.
And I would still be responsible for paying the loan and it would appear on my credit report and would not be able to receive any loans for 5 years or more because it will be on my credit report. I am very aware of scams so I ask questions and do not do things that do not seem right. I asked how much and the agent could not tell me, transferred to supervisor. I need to go to the store and buy a Green Dot money card. First I never heard of making any payment on a loan before you get it.
Secondly he wanted the number on the back of the card, right there goes that money. Well the final straw was he said the federal government is listening to this call.
Right we have agents that do that. Good luck, I just moved all my funds out of the account to protect them. I applied for a loan. I applied for a loan on the internet and I started getting calls from a company who told me I was pre-approved for a loan.
All I had to do was send them Once I sent the money they claimed they never got it and now I am out of my money. Do not do business with them. This company is committing fraud. I had a taken a payday loan with Mypaydayloan. They put my account in the negative, I had multiple payments coming out for my other bills. When I spoke to them, they were nice at first until they realize how much they were responsible for. They told me that they would reimburse me of these charges and then turn around and tell me that they will not reimburse me because I would have gone negative in my account anyways which is complete BS.
If they would have just taken the correct payment my account would have been fine. They have no customer service especially when they are in the wrong. I took out a loan with this company, got in over my head. I got a company called MyPayDay relief to settle the debt. I paid the settlement to Smith, Haynes and Watson. They sent me a paid in full letter; however, 2 other agencies have tried to collect on this debt.
Do not do business with these slime bags! Dealing with this company has been a total nightmare. I took a payday loan with this company and ended up way in over my head. I found a consolidation company, Payday Freedom, that is trying to work with Mypaydayloan for payment arrangements to fit my budget. I found that this company is illegal in my state and that Internet loans are illegal and unenforceable in my state. They have sent several threatening e-mails stating that I am bound by their internal laws of Costa Rica.
They have also stated that they will do everything possible to get the money back. They are stating that I owe over 1, for a loan, and then they tried to debit my account four times on totaling and over in fees to my account. Extremely high interest rates I'm paying, yet I know there are newer laws on other countries or external state companies to PA residents. Want to make sure this company is not doing something illegal. Usually cannot pay it all back in 1 paycheck so have to span 2 checks and there is additional fee.
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