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.

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

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Last Edited by Useless Cookie Eater on 12/05/2012 08:25 PM

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.

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.

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.

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.




Last Edited by Useless Cookie Eater on 12/05/2012 08:27 PM

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.

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


Public edumacation system

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

Last Edited by Useless Cookie Eater on 12/05/2012 08:29 PM

keep flying your flag. see where it gets you.

It's truly incredible how many intelligent people fall victim to the myth of morality.

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

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.

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?

There's this thing called empathy...

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..

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

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.

Yep I read you just right...Knew you would "side step" the answer

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."

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

Pfft.

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.

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

Absolute poetry.

the movie "In Time", featuring Justin Timberlake, compliments this thread perfectly.

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




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

Because the education system in this country clearly teaches people reality...

I can't find anything on that topic.. please advise.. what search terms..

that's why i understand more than you. i never went to school much.

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

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