peggy

Arma, KS

#1 Jul 2, 2012
i wanted to share with you guys what happened today at two different payday loan places in town at the smoke shop and at advanced loans...we have a relative that went to these two places, however today she is in the hospital and facing major surgery tomorrow, so my husband and i went to these places money in hand to pay her payments to them on her behalf, they refused the payment both places, since she wasnt there in person they would not accept the money, i have never dealt with these kind of businesses personally, but id think money is money? the man at the smoke shop was very rude to us and even with her on the phone pleading her case to them, so both places are now sending her check to the bank....one told us we had to be legal guardians over her to make a payment for her? for those of you that think these places are your saving grace you are wrong your dancing with the devil
ScoutsOut

Fort Scott, KS

#2 Jul 3, 2012
The reason for that Peggy is, these are not conventional loans like what you get at the bank. You don't actually make payments on the loan, its an all or nothing deal. If you can’t repay your payday loan when it comes due, you can “roll it over” so that the loan is extended. You don’t have to repay it, but fees keep accumulating. She would have had to be there to write them a new check and sign the paperwork for them to "roll it over"
Sorry she is in the Hospital and facing surgery, I hope she gets better soon.
By the Law

Fort Scott, KS

#3 Jul 3, 2012
Peggy as we tried to explain to you. You would need power of attorney to do the process you wanted to do. You said you did not have power of attorney to make a new loan. We cannot not even discuss someones loan with you due to privacy laws.
A payday loan is a legal document and if you signed for someone else you would be guily of forgey.

When you friend gets better we can work out the situation.
Smarty

Fort Scott, KS

#4 Jul 3, 2012
Why not deposit the money to her checking account to cover the checks?
peggy

Arma, KS

#5 Jul 3, 2012
we did put the money back in back thank you smarty....and like i said we have and never plan to use these businesses personally, so when she told us to go make her "payment" thats what we thought we were doing,and what made it so horrible is even while she was on phone with you guys pleading her case the man there was very rude, the lady was nice and understanding .....but reguardless i really hope she wont be coming to you guys for help anymore, you guys made a 72 yr old lady cry, within an hour of finding out they had to operate immediately to remove a mass that could be cancerous. law or not that was pretty shitty
Rest of the Story

Fort Scott, KS

#6 Jul 16, 2012
So how'd it turn out?
ugh

Fort Scott, KS

#7 Jul 18, 2012
They would of accepted the cash to pay off the loan, but it sounds like you wanted to roll it over, or take out another loan, which would require a signature in person, they are not wrong in refusing to do this. Pay day loans are bad news pay them off quick and go without those things you have to have.
Pedro

Pleasanton, KS

#8 Jul 18, 2012
Payday loans are just another way for those with cash to rip off the poor and call it "helping". Most people that need these payday loans can't afford to pay them back so they keep paying the interest on them and roll them over and the payday loan place makes bank. Worse than a pawn shop. Crooks.
Caveat Emptor

Fort Scott, KS

#9 Jul 18, 2012
Pedro wrote:
Payday loans are just another way for those with cash to rip off the poor and call it "helping". Most people that need these payday loans can't afford to pay them back so they keep paying the interest on them and roll them over and the payday loan place makes bank. Worse than a pawn shop. Crooks.
No one forces anyone to procure payday loans. Period. Discussion complete.
Cynthia

Anonymous Proxy

#12 Nov 7, 2012
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Carmen Sanchez

Salt Lake City, UT

#13 Nov 7, 2012
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Local

Fort Scott, KS

#14 Nov 13, 2012
For the people above hopefully if someone in fort scott needs a loan they are going to atleast try to keep their money local.
Matt

Wheeling, IL

#20 Jan 28, 2013
If you just wanted to pay fees, then yes that would be a rollover. It is not surprising they wanted to see her to approve it. If you had gone in to pay off principal and interest, perhaps it would have been different.

Matt
https://moneybyphone.com/
Christiano Martin

Kolkata, India

#23 Dec 5, 2013
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Been There Done That

Fort Scott, KS

#24 Dec 7, 2013
If you do end up having to get a payday loan, use Cash2Go and not Advance America. With Cash2Go, if you have to carry it over you only have to pay the interest. With Advance America, you have to take in the full amount of cash to pay off the loan and then reapply for another one, at which time they hand you back part of the exact same money you just gave them. So you go to the bank, take out say $345, take it to Advance America, take out another loan for $300 and they give you back $300 of the $345 you just gave them, and you go back to the bank you were just at 20 minutes earlier and put it back in, looking like a total dumbass. At Cash2Go, you would only have to take in the $45 and be done. It's totally INSULTING that Advance America screws over their customers that way.
just me

Fort Scott, KS

#25 Dec 8, 2013
I love how "cash" to go gives u a check! False advertising!

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