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How to beat paying a payday loan legally.

 
Anonymous Coward
User ID: 29020320
United States
12/05/2012 08:22 PM
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Re: How to beat paying a payday loan legally.
this conversation is amazing........

so a company can 'legally' profiteer off the needy - no matter if it's ethical or reasonable.

and people on this board, who are supposed to be 'awake' and 'aware' castigate the op for 'legally' profiteering off the company.

f'ing sad state this world is in.
Burt Gummer

User ID: 7702124
United States
12/05/2012 08:25 PM

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Re: How to beat paying a payday loan legally.
this conversation is amazing........

so a company can 'legally' profiteer off the needy - no matter if it's ethical or reasonable.

and people on this board, who are supposed to be 'awake' and 'aware' castigate the op for 'legally' profiteering off the rich banker.

f'ing sad state this world is in.
 Quoting: Neoanderthal Man


No one FORCED those people to use that paycheck company.
Are you THAT stupid.....really??? wtf

.

Last Edited by Useless Cookie Eater on 12/05/2012 08:25 PM
Anonymous Coward
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12/05/2012 08:25 PM
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Re: How to beat paying a payday loan legally.
You fuck heads saying it's theft are hilarious.

I guarantee you she paid off the loan plus more by paying just the interest.

Payday loan companies are thieves and predators. I'm glad you got out of it with not paying.

Also, some of you idiots claiming karma will get her..lol. She isn't the bad guy here, they are.
acuk
User ID: 29136709
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12/05/2012 08:25 PM
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Re: How to beat paying a payday loan legally.
Most on here who condemn the op I bet can afford to pay for what they need, the OP is helping his/her sick child and yet you condemn them, apollo you are a rich man so I have read before, and you Brief, you too are well off, hell you guys can afford a luxury like an internet forum membership, most of us "normal" people struggle from day to day no matter how many hours worked, if these big multimillion £/$ corps have clauses within their system to be taken advantage of why the hell not, supermarkets force farmers to sell their stock at next to nothing, payday loan companies charge extortionate interest rates, boots owe millions in tax, topshop/topman the same, nearly every big corporation get huge tax breaks, a load are illigally trading as they are bankrupt, yet this poor person just trying to help their kid is called names, you guys are a bunch of stuck up twats.

One day you too might struggle, I hope not, but you must put yourself in others shoes to see the reason of why.
CatBTX

User ID: 19108954
United States
12/05/2012 08:27 PM

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Re: How to beat paying a payday loan legally.
this conversation is amazing........

so a company can 'legally' profiteer off the needy - no matter if it's ethical or reasonable.

and people on this board, who are supposed to be 'awake' and 'aware' castigate the op for 'legally' profiteering off the company.

f'ing sad state this world is in.
 Quoting: Neoanderthal Man


The lender didn't hold a gun to the head of the OP and force him/her to sign a contract. The lender set the terms and OP agreed to them.

They can't profit off of you, if you don't sign the paper giving them the legal right to do so.
Burt Gummer

User ID: 7702124
United States
12/05/2012 08:27 PM

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Re: How to beat paying a payday loan legally.
You fuck heads saying it's theft are hilarious.

I guarantee you she paid off the loan plus more by paying just the interest.


Payday loan companies are thieves and predators. I'm glad you got out of it with not paying.

Also, some of you idiots claiming karma will get her..lol. She isn't the bad guy here, they are.
 Quoting: Anonymous Coward 23630618


If she didn't like the terms of the paycheck loan she should not have agreed to the CONTRACT to begin with.
...nor done business with the company.

Who the f*ck are you to decide "they made enough"?
You act like they made a fortune on her....which is uber bullshit.


clues

Last Edited by Useless Cookie Eater on 12/05/2012 08:27 PM
Anonymous Coward
User ID: 29020320
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12/05/2012 08:27 PM
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Re: How to beat paying a payday loan legally.
this conversation is amazing........

so a company can 'legally' profiteer off the needy - no matter if it's ethical or reasonable.

and people on this board, who are supposed to be 'awake' and 'aware' castigate the op for 'legally' profiteering off the rich banker.

f'ing sad state this world is in.
 Quoting: Neoanderthal Man


No one FORCED those people to use that paycheck company.
Are you THAT stupid.....really??? wtf

.
 Quoting: Burt Gummer


and no one forced the paycheck company to give the op the money.

no, i'm not that stupid.

fuck you if you love corporations and the system more than your fellow man.
Burt Gummer

User ID: 7702124
United States
12/05/2012 08:28 PM

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Re: How to beat paying a payday loan legally.
this conversation is amazing........

so a company can 'legally' profiteer off the needy - no matter if it's ethical or reasonable.

and people on this board, who are supposed to be 'awake' and 'aware' castigate the op for 'legally' profiteering off the rich banker.

f'ing sad state this world is in.
 Quoting: Neoanderthal Man


No one FORCED those people to use that paycheck company.
Are you THAT stupid.....really??? wtf

.
 Quoting: Burt Gummer


and no one forced the paycheck company to give the op the money.

no, i'm not that stupid.

fuck you.
 Quoting: Neoanderthal Man


Read what you just typed.
...that was TRULY retard logic. applause


Public edumacation system failsmile

...and yes...you CLEARLY ARE stupid from that comment. grnrolleyes

Last Edited by Useless Cookie Eater on 12/05/2012 08:29 PM
Anonymous Coward
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12/05/2012 08:30 PM
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Re: How to beat paying a payday loan legally.
keep flying your flag. see where it gets you.
letsgetnihilistic

User ID: 26617053
United States
12/05/2012 08:31 PM
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Re: How to beat paying a payday loan legally.
It's truly incredible how many intelligent people fall victim to the myth of morality.
"It's called the American dream because you have to be asleep to believe it."-George Carlin

"Freedom, baby...is never having to say you're sorry."-The Devil's Advocate

"In a time of universal deceit, telling the truth is a revolutionary act."-George Orwell

"If I shall exist eternally, how shall I exist tomorrow?"-Franz Kafka
Burt Gummer

User ID: 7702124
United States
12/05/2012 08:32 PM

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Re: How to beat paying a payday loan legally.
keep flying your flag. see where it gets you.
 Quoting: Neoanderthal Man


Farther than an idiot like you.
No wonder Obama wins votes....it's uneducated dolts like you that are to blame.
Talkinghands

User ID: 29170529
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12/05/2012 08:32 PM
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Re: How to beat paying a payday loan legally.
box in your signiture it lifts it off the document. it makes the contract usless. but most people don't know about this. you can void you contract yet the other party will think its legit. use this knowledge wisley.
"Do not attempt to accomplish greater results by a greater effort of your little understanding, but by a greater understanding of your little effort. The greater your understanding of the power within yourself, the less effort you need to make in order to achieve.
" - Walter Russell
Anonymous Coward
User ID: 29092468
United States
12/05/2012 08:34 PM
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Re: How to beat paying a payday loan legally.
this conversation is amazing........

so a company can 'legally' profiteer off the needy - no matter if it's ethical or reasonable.

and people on this board, who are supposed to be 'awake' and 'aware' castigate the op for 'legally' profiteering off the rich banker.

f'ing sad state this world is in.
 Quoting: Neoanderthal Man


No one FORCED those people to use that paycheck company.
Are you THAT stupid.....really??? wtf

.
 Quoting: Burt Gummer


and no one forced the paycheck company to give the op the money.

no, i'm not that stupid.

fuck you if you love corporations and the system more than your fellow man.
 Quoting: Neoanderthal Man


Answer this Neo, let's say you loan a guy at work 50 bucks till payday...payday comes and he gives you 10 and says "I'll have the rest next payday with 10 more for your trouble" next payday comes and it's the same old song and dance...the he says "I'm not paying you what I owe you!"...would you be ok with that?.....Anyone?
letsgetnihilistic

User ID: 26617053
United States
12/05/2012 08:35 PM
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Re: How to beat paying a payday loan legally.
this conversation is amazing........

so a company can 'legally' profiteer off the needy - no matter if it's ethical or reasonable.

and people on this board, who are supposed to be 'awake' and 'aware' castigate the op for 'legally' profiteering off the rich banker.

f'ing sad state this world is in.
 Quoting: Neoanderthal Man


No one FORCED those people to use that paycheck company.
Are you THAT stupid.....really??? wtf

.
 Quoting: Burt Gummer


and no one forced the paycheck company to give the op the money.

no, i'm not that stupid.

fuck you if you love corporations and the system more than your fellow man.
 Quoting: Neoanderthal Man


Answer this Neo, let's say you loan a guy at work 50 bucks till payday...payday comes and he gives you 10 and says "I'll have the rest next payday with 10 more for your trouble" next payday comes and it's the same old song and dance...the he says "I'm not paying you what I owe you!"...would you be ok with that?.....Anyone?
 Quoting: Anonymous Coward 29092468


There's this thing called empathy...
"It's called the American dream because you have to be asleep to believe it."-George Carlin

"Freedom, baby...is never having to say you're sorry."-The Devil's Advocate

"In a time of universal deceit, telling the truth is a revolutionary act."-George Orwell

"If I shall exist eternally, how shall I exist tomorrow?"-Franz Kafka
Butt Pincher

User ID: 24926363
United States
12/05/2012 08:35 PM
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Re: How to beat paying a payday loan legally.
my one comment on this is:

the standard rate on a payday loan is $20 per $100 borrowed.

so lets say you borrow $1000 on your payday loan but can't absorb it on the next payday so you keep re-borrowing every payday.

next payday you pay them $1200 and re borrow $1000
next payday you pay them $1200 and re borrow $1000
next payday you pay them $1200 and re borrow $1000
next payday you pay them $1200 and re borrow $1000
next payday you pay them $1200 and re borrow $1000

after 5 paydays you have paid them $1000 interest on $1000

i've been stuck in that hamster wheel before and it sucks!
 Quoting: Anubis


If you're going to make a business out of it (not paying loans back).. just like the bankers and gubbermint.. then by all means do it right.. open several bank accounts and borrow lots of $$$.. they may not have access to know about your new business in advance.. and may continue to give you loans.. you could use the loan money to pay the minimum amount back to borrow more money.. I personally wouldn't do that.. but that's the way the big boy's do it.. 5a
Anonymous Coward
User ID: 29020320
United States
12/05/2012 08:36 PM
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Re: How to beat paying a payday loan legally.
this conversation is amazing........

so a company can 'legally' profiteer off the needy - no matter if it's ethical or reasonable.

and people on this board, who are supposed to be 'awake' and 'aware' castigate the op for 'legally' profiteering off the rich banker.

f'ing sad state this world is in.
 Quoting: Neoanderthal Man


No one FORCED those people to use that paycheck company.
Are you THAT stupid.....really??? wtf

.
 Quoting: Burt Gummer


and no one forced the paycheck company to give the op the money.

no, i'm not that stupid.

fuck you if you love corporations and the system more than your fellow man.
 Quoting: Neoanderthal Man


Answer this Neo, let's say you loan a guy at work 50 bucks till payday...payday comes and he gives you 10 and says "I'll have the rest next payday with 10 more for your trouble" next payday comes and it's the same old song and dance...the he says "I'm not paying you what I owe you!"...would you be ok with that?.....Anyone?
 Quoting: Anonymous Coward 29092468


i've never loaned money. when i've known people in need, and I could afford it, i've always given.
Anonymous Coward
User ID: 27322533
United States
12/05/2012 08:37 PM
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Re: How to beat paying a payday loan legally.
I have no opinion either way to be honest. I have seen people get caught up in the payday loan scam. It is a scam. But some people have no where else to turn.

I haven't had healthcare coverage for long periods or my kids. I always made sure the Dr. gave me prescriptions for medicine that fell under Wal-Mart's $5.00 prescription deal. I am not sure why your child's Dr. wouldn't give you a prescription for more affordable medication. I know when I told them I had no coverage they always looked into generic or cheaper meds.

Anyways you may think you have "beat" paying it back but you haven't. It will come back to haunt you. In my state they can file against you in small claims and eventually garnish your wages. Also, if you ever try to buy a car or house you will be screwed. You will have to pay it off with interest. They may not have turned you in (on your credit report) yet but they will. Blackmailing them by threatening to tell people how to "beat" won't do shit for you in the end. They have heard and seen every excuse not to pay.
Anonymous Coward
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United States
12/05/2012 08:38 PM
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Re: How to beat paying a payday loan legally.
...


No one FORCED those people to use that paycheck company.
Are you THAT stupid.....really??? wtf

.
 Quoting: Burt Gummer


and no one forced the paycheck company to give the op the money.

no, i'm not that stupid.

fuck you if you love corporations and the system more than your fellow man.
 Quoting: Neoanderthal Man


Answer this Neo, let's say you loan a guy at work 50 bucks till payday...payday comes and he gives you 10 and says "I'll have the rest next payday with 10 more for your trouble" next payday comes and it's the same old song and dance...the he says "I'm not paying you what I owe you!"...would you be ok with that?.....Anyone?
 Quoting: Anonymous Coward 29092468


i've never loaned money. when i've known people in need, and I could afford it, i've always given.
 Quoting: Neoanderthal Man


Yep I read you just right...Knew you would "side step" the answer
acuk
User ID: 29136709
United Kingdom
12/05/2012 08:39 PM
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Re: How to beat paying a payday loan legally.
box in your signiture it lifts it off the document. it makes the contract usless. but most people don't know about this. you can void you contract yet the other party will think its legit. use this knowledge wisley.
 Quoting: Talkinghands


Wow never knew about that, did a quick search and it does work.

"my understanding is that when you put a word, sentence or paragraph in a box on a document, it completely seperates what is in the box from the text outside of it. basicaly using a box creates another document on the document."
Burt Gummer

User ID: 7702124
United States
12/05/2012 08:41 PM

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Re: How to beat paying a payday loan legally.
...


and no one forced the paycheck company to give the op the money.

no, i'm not that stupid.

fuck you if you love corporations and the system more than your fellow man.
 Quoting: Neoanderthal Man


Answer this Neo, let's say you loan a guy at work 50 bucks till payday...payday comes and he gives you 10 and says "I'll have the rest next payday with 10 more for your trouble" next payday comes and it's the same old song and dance...the he says "I'm not paying you what I owe you!"...would you be ok with that?.....Anyone?
 Quoting: Anonymous Coward 29092468


i've never loaned money. when i've known people in need, and I could afford it, i've always given.
 Quoting: Neoanderthal Man


Yep I read you just right...Knew you would "side step" the answer
 Quoting: Anonymous Coward 29092468


He's an idiot.
You expect him to be able to use his brain to think for himself?

Pfft. rolleyes
Anonymous Coward
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12/05/2012 08:41 PM
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Re: How to beat paying a payday loan legally.
no side stepping.

if i could afford to lend someone $50, i would give the money. I wouldn't have an expectation of return of the $50 from that individual.

if they did choose to return the money, that would be fine too. in my experience, they don't choose to return the money. I never worried about it.

it's only money. people are flesh and blood.
optimum judgment

User ID: 24021617
United Kingdom
12/05/2012 08:47 PM
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Re: How to beat paying a payday loan legally.
or, another way to put it....

op's son needed medicine.

so, op gave a slip of paper to a non-living entity organized as slips of paper, that was given authorization to exist by slips of paper. for the slip of paper the op gave to the slip of paper, op received slips of paper that were slightly different.

op then gave the slips of paper to another non-living entity organized as slips of paper, that was given authorization to exist by slips of paper.

for this, the son received the medicine he needed for his health.

op decided not to give slips of paper back to the slips of paper that gave op the slips of paper that op needed to give to the other slips of paper...

how can one steal slips of paper from a slip of paper?

if people stopped giving so much power to the slips of paper, maybe the world would become a better place.
 Quoting: Neoanderthal Man


Best comment i ever read ....i may quote this in the future
letsgetnihilistic

User ID: 26617053
United States
12/05/2012 08:49 PM
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Re: How to beat paying a payday loan legally.
or, another way to put it....

op's son needed medicine.

so, op gave a slip of paper to a non-living entity organized as slips of paper, that was given authorization to exist by slips of paper. for the slip of paper the op gave to the slip of paper, op received slips of paper that were slightly different.

op then gave the slips of paper to another non-living entity organized as slips of paper, that was given authorization to exist by slips of paper.

for this, the son received the medicine he needed for his health.

op decided not to give slips of paper back to the slips of paper that gave op the slips of paper that op needed to give to the other slips of paper...

how can one steal slips of paper from a slip of paper?

if people stopped giving so much power to the slips of paper, maybe the world would become a better place.
 Quoting: Neoanderthal Man


Absolute poetry.
"It's called the American dream because you have to be asleep to believe it."-George Carlin

"Freedom, baby...is never having to say you're sorry."-The Devil's Advocate

"In a time of universal deceit, telling the truth is a revolutionary act."-George Orwell

"If I shall exist eternally, how shall I exist tomorrow?"-Franz Kafka
Anonymous Coward
User ID: 28542223
United States
12/05/2012 08:49 PM
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Re: How to beat paying a payday loan legally.
the movie "In Time", featuring Justin Timberlake, compliments this thread perfectly.
Burt Gummer

User ID: 7702124
United States
12/05/2012 08:49 PM

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Re: How to beat paying a payday loan legally.
no side stepping.

if i could afford to lend someone $50, i would give the money. I wouldn't have an expectation of return of the $50 from that individual.

if they did choose to return the money, that would be fine too. in my experience, they don't choose to return the money. I never worried about it.

it's only money. people are flesh and blood.
 Quoting: Neoanderthal Man


So all business loans, banking loans and car loans...etc etc are "optional payback" items in your rule book.

putin


Where the f*ck did you go to school?...really man...I want to know who put this shit in your head?
letsgetnihilistic

User ID: 26617053
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12/05/2012 08:51 PM
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Re: How to beat paying a payday loan legally.
no side stepping.

if i could afford to lend someone $50, i would give the money. I wouldn't have an expectation of return of the $50 from that individual.

if they did choose to return the money, that would be fine too. in my experience, they don't choose to return the money. I never worried about it.

it's only money. people are flesh and blood.
 Quoting: Neoanderthal Man


So all business loans, banking loans and car loans...etc etc are "optional payback" items in your rule book.

putin


Where the f*ck did you go to school?...really man...I want to know who put this shit in your head?
 Quoting: Burt Gummer


Because the education system in this country clearly teaches people reality...
"It's called the American dream because you have to be asleep to believe it."-George Carlin

"Freedom, baby...is never having to say you're sorry."-The Devil's Advocate

"In a time of universal deceit, telling the truth is a revolutionary act."-George Orwell

"If I shall exist eternally, how shall I exist tomorrow?"-Franz Kafka
Butt Pincher

User ID: 24926363
United States
12/05/2012 08:52 PM
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Re: How to beat paying a payday loan legally.
box in your signiture it lifts it off the document. it makes the contract usless. but most people don't know about this. you can void you contract yet the other party will think its legit. use this knowledge wisley.
 Quoting: Talkinghands


Wow never knew about that, did a quick search and it does work.

"my understanding is that when you put a word, sentence or paragraph in a box on a document, it completely seperates what is in the box from the text outside of it. basicaly using a box creates another document on the document."
 Quoting: acuk 29136709


I can't find anything on that topic.. please advise.. what search terms..
Anonymous Coward
User ID: 29020320
United States
12/05/2012 08:53 PM
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Re: How to beat paying a payday loan legally.
no side stepping.

if i could afford to lend someone $50, i would give the money. I wouldn't have an expectation of return of the $50 from that individual.

if they did choose to return the money, that would be fine too. in my experience, they don't choose to return the money. I never worried about it.

it's only money. people are flesh and blood.
 Quoting: Neoanderthal Man


So all business loans, banking loans and car loans...etc etc are "optional payback" items in your rule book.

putin


Where the f*ck did you go to school?...really man...I want to know who put this shit in your head?
 Quoting: Burt Gummer


that's why i understand more than you. i never went to school much.
Anonymous Coward
User ID: 24138312
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12/05/2012 08:54 PM
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Re: How to beat paying a payday loan legally.
Maybe you should have posted this on a more liberal forum. I'm sure those left wingers will give you a happy ending for this info
Anonymous Coward
User ID: 17837699
United States
12/05/2012 08:55 PM
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Re: How to beat paying a payday loan legally.
box in your signiture it lifts it off the document. it makes the contract usless. but most people don't know about this. you can void you contract yet the other party will think its legit. use this knowledge wisley.
 Quoting: Talkinghands


I'm terrible with google, what key words should I type to find this federal law?

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