I obtained a pay day loan with this company for $350.00. On 04/22, first pmt of $105.00. Keep in mind that just rewrites the loan-none is applied to principal. On 04/27, we had EF5 tornado in our community: we had no power, no internet, nothing. We were more fortunate than many of out neighbors whose homes were lost. Long story short, when next payment was due on 05/06, there were no funds in bank. Sorry, but we lost all food (just spent $250 on groceries on Sunday prior to tornado), had to eat out for over a week. Still do not have internet. Checked my bank statement because usually when someone debits from my account there is a corresponding phone number, but not with these people. First I knew check didn't clear was when I got a call from a person who could barely speak English claiming to be an attorney who was going to represent because I was being sued. When I asked by whom he replied Cash Advance America. I said I didn't owe Cash Advance America anything, so couldn't see any reason they would be seeing. He then transferred me to the "real attorney" (right!) who spoke marginally better English. I tried to get better understanding, but when I tried to question what he was saying, he told me he didn't like being interrupted and to shut up and listen. I hung up.
During the next 2 week period, this company tried to run a check through 6 times resulting in NSF fees of over $200 at my bank. As they knew well, since they had my previous 2 bank statements, I get paid every 2 weeks. No reason other than malice. Finally on the day before I got paid, I looked the company up on the internet and work and called them. They declined to accept a partial pmt, and wanted me to make a credit card payment right then or said that they were sending a summons to my place of employment on the next day. When I pointed out that they are required to notify me in writing prior to sending summons, they said no that isn't required and they "would see me in court." Instead what they did was deduct $350, $105, $105 (not a typo), and $30 from my checking account. Now, all of my scheduled payments will cause me to be overdrawn. Do NOT do business with these people. There are actually reputable pay day loan companies who do not lie and try to intimidate their customers.
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