Archive for May, 2010
About six months ago I took out a payday loan through Cash Net USA. I was unable to pay the debt off entirely and am on the line for 611.63. Since I defaulted on the loan, they have transferred my debt to National Credit Adjusters.
On April 7, 2010 a woman from NCA contacted me at work. I immediately indormed her I could not accept personal phone calls at work. I gave her an alternative number to contact me at. She called my alternative number the next day, but I was at work and could not answer my phone. After she didn’t reach me at my personal line, she called my work. I wasn’t able to answer as I was not near my phone, but we have shared lines and my coworker had answered the call.
I reported the company to the FTC as well as my state attorney for them breaking the Fair Debt Collections Act. I didn’t receive a phone call for almost two weeks on either my cell phone or work phone.
Today, a man in the “legal” department called me at work. I again informed him I could not take personal phone calls at work. He asked me when I would be available to speak with him and I told him tomorrow before 4pm. He said he needed to talk today and said for my lawyer to call him today.
I am wanting to know where I go from here. I want to pay on the debt but may not be able to for a little longer, but if they break the law I want to make sure they are held accountable just as much as I can be. What advice do you have for going forward? Thanks.
I need a loan quickly, Here are some companies I googled. Can anyone tell me POSITIVE or NEGATIVE about: PayDay One.com; My Cash Now.com; Personal Cash Advance.com; The Loanz.com; and National Pay day.com. Thanks so much!!
I really would like to avoid payday loans if it’s possible. The situation is as follows I own a 91 3000 GT that i am in the processing of restoring and I have had a national company rebuild the trainee. They have had the car since November 07 and they have ended up replacing a lot of things on the car as they shorted out my cars computer- all of which was done at no charge and the only work that I was to pay for was the transmission issue. Initially they said that I could make payments with 500.00 down and then I could pay off the balance monthly but now they want the full amount and I am desperately in need of my car. Can anyone out there help me?
did you know about this? I bet not but please read it if you have to be on benefits, you need to know?
Change to benefit payday may catch claimants unprepared
Posted: 21 January 2009 | Subscribe Online
writes Gary Vaux
The government is quietly shifting the days that millions of claimants will receive benefits. Gary Vaux looks at the implications
Did you know that there was such a word as “periodicity?”
I didn’t, until I heard about the Department for Work and Pensions’ periodicity project. It describes some important changes to the way the DWP pays benefits and allowances. These changes will take place over a two-year period starting on 6 April. The result will be that some claimants may be left for two to three weeks without any benefit income, except for a repayable loan.
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The change will affect families and individuals who are receiving income support, incapacity benefits, jobseekers allowance, severe disablement allowance, bereavement benefit or widows benefit. They do not apply to attendance allowance, disability living allowance or carers allowance.
Payments in arrears
People who now receive their benefit weekly will be paid fortnightly instead. Most importantly, all payments will be in arrears.
The day that benefit is paid may also change. From 6 April, Jobcentre Plus will use claimants’ national insurance numbers to decide which day to pay. This means that if the national insurance number ends with the final two digits between:
● 00 and 19 they will normally receive their benefits on a Monday.
● 20 to 39 on a Tuesday.
● 40 to 59 on a Wednesday.
● 60 to 79 on a Thursday.
● 80 to 99 on a Friday.
Jobcentre Plus will write about these two changes to all claimants affected by them. The combined effect could mean some claimants having a one-off gap of nearly three weeks between benefit payments during the changeover period.
The DWP will offer the claimant an interest-free loan while their payments are changing, but these loans will not be provided automatically – the claimant must apply for one. About four weeks before the change, the claimant will receive a letter from Jobcentre Plus, advising them when their benefit payments will change. It will include a loan request, which must be signed and returned. The loan is interest-free and will cover up to 100% of the missing benefit but the claimant will have to re-pay it in six fortnightly payments, by direct deduction from benefit.
No awareness campaign
The DWP is not planning any publicity or awareness campaign to alert claimants to these changes. Claimants who have deductions from their benefit to cover, for example gas or electricity charges, will have those deductions suspended in the week the payday is changed. Jobcentre Plus will write to all companies on the claimant’s behalf.
“Simplicity” for the DWP is being achieved at the expense of claimants, who will not gain from being paid two weeks in arrears until they come off benefit.
There may be extra pressure on social workers, especially from those who do not pay much attention to the “warning” letter sent four weeks before the changeover. Of course, some claimants will realise that it’s better to ask their social worker for a non-recoverable payment under childcare legislation than it is to apply for a repayable payment from the DWP.
● More information about the changes can be found on the Jobcentre Plus website or e-mail the periodicity and payday project team. Different formats of the information will be available from the website by the end of February.
Gary Vaux is head of money advice at Hertfordshire Council. Contact him through Derren Hayes
This article is published in the 22 January edition of Community Care under the headline “Change to benefit payday may catch claimants unprepared”
…………….What the heck are these stupid people up to is what I want to know, they are messing about with peoples lives again, totally mad, what do you think?
Indigola…please note I did not say ‘want to’ I sais have to, and for your information I like most claimants have paid our dues some members of our families do still pay over the odds and if my son for one was not paying for mp’s extra homes and for junkets etc., and numerous other things and was the money he earns my receiving benefits would not only be 8necessary but he would probably be paying for proper treatment from the nhs which is one of the reasons I am unable to do as I want and be out there working instead of in a wheelchair and virtually housebound through medical negligence, sorry to rant but I asked what you thought of the government not the genuine claimants who do appreciate the help but not the way the system is being abused lately by the people who administer it OK!lol.
sorry for typos my hands are not so good as they were and i get rattled sometimes and miss keys etc as well.
If you get one of these checks, they seem to all be $939. Please don’t try and cash it!! The checks that are sent out are fraudulent checks. The names on the checks are real people and likley real accounts. However the people that the checks are from have no idea that their names and accounts have been stolen. I know this because I am a victem!! Luckily there was an honest person out there who tracked me down because my name and address was on the check. Police reports have been made and my account has been closed. I also got a call from a worker from a Payday Loan place telling me that someone was in there trying to cash my check. They had a feeling it was fraudulent and called me. Who knows how many more are out there? It makes me sick that people will just go cash these checks. Why would anyone think that they should recieve free money? My life is a nighmare because of this. If you recieve a check like this please track the person down so they can protect themselves!!!!