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About Cashadvance.comCashAdvance.com has been America’s most trusted resource for cash advances since 1997, connecting millions of consumers to reliable lenders each year. While you have many other channels through which to obtain emergency cash quickly, what makes working with CashAdvance.com so much better?Free and Unlimited UseOur service is always free to the customer whether or not your request is matched with a lender. Additionally, new and returning customers are welcome to utilize our service as much as they need. We dont believe in restriction or practicing bad business tactics.In many cases, customers come to CashAdvance.com after having a bad experience with another online matching service. One of the most common complaints we hear is that another organization either tried or succeeded in making the customer pay just to use a matching service. We would never imagine charging our customers, especially in their time of need.More Lenders. More Choices.In a loan request matching service, you want as many qualified lenders as possible reviewing your information, in the shortest amount of time. CashAdvance.com has the largest network of qualified lenders, so that we can assist in helping to find you the best opportunity and rates for your Cash Advance.Unlike the time and effort made in traveling to different storefront Cash Advance locations, our customers find our online experience to be both easy and quick with more lender choices. Plus, we choose lenders that are consistent with the kind of experience we want our customers to have.Data ProtectionCashAdvance.com is certified by two entirely separate services to ensure that your personal information is secure at all times. In order to protect your information from hackers, we are tested every day, both by McAfee and Norton.We are a proud member of the Online Lenders Alliance (OLA), a national organization dedicated to promoting best practices in the online lending industry. Moreover, we abide by the Federal Trade Commission Act, the Financial Services Modernization Act, the Fair Credit Reporting Act and all other applicable federal laws, including all laws relating to privacy and data protection.Positioned for TrustThe online lending industry has many businesses seeking to take advantage of your urgent need to obtain funds quickly, charging borrowers excessive fees with unreasonably stringent terms attached. Back in the beginning, our organization made a commitment to be upfront, honest and ethical in dealing with customers. We knew that long-term relationships, even if they didnt always result in a match, were far better than pushing customers to something they didnt want.Customers refer their friends and family to CashAdvance.com because in times of need, people want to be treated with respect and work through matters quickly. Plus, we have great agents to help you with questions throughout the process.About this appThis app provides a convenient and easy way to utilize cashadvance.com’s services.It is easy to navigate and provides additional information from cashadvance.com.*This app is provided by a third party affiliate of cashadvance.com. All trademarks and copyrights belong to cashadvance.comContent rating: Everyone

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Payday loan company: 'Help get your mate into debt and we will give you £20'

A payday lender is offering hard-up customers £20 to drag their friends into debt with them.

Speedy Cash is promoting the “bonus” as an incentive for clients to refer new customers to the lender – just as ­struggling families turn to emergency loans in the run-up to Christmas.

In-store posters and leaflets urge customers: “Send some friends. Earn cash rewards”, adding: “For every friend you send to Speedy Cash, we’ll give you £20.”

They show one person next to £20, two with £40, three by £60 with the words: “And so forth. You get the idea.”

Desperate customers are hit with a representative APR of 2115.69% on 30-day loans taken out.

Payday interest

2115.69%

30 day loan

Campaigners slammed the refer-a-friend scheme.

Stephen Sichel of London Citizens said: “It offers ­incentives for people to exploit their relationships and get friends into debt.

“People feeling the pressure at Christmas need support, not to be encouraged into cycles of debt. They’re preying on people’s vulnerability.”

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Labour MP Paul Blomfield, who has campaigned for a crackdown on payday loans, said: “It’s a nasty ploy. We’ve made enormous progress in regulating this rip-off industry but shameful tactics like this show the need for strong monitoring.

“Payday lenders are always looking for new ways to get people into debt.”

Speedy Cash, which has 23 branches in England and Wales, was rapped by regulators over ads last Christmas offering ­children free photos with Santa in store.

The firm did not respond to requests for comment.

[…]

Student overdoses after payday loan

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8 December 2014 Last updated at 15:06

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Delicious Digg Facebook reddit StumbleUpon Email Print Mitch Lewis alerted his friends on Facebook after taking the pills

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A student struggling for cash overdosed on slimming pills after taking out a payday loan which saw a £100 debt shoot up to £800 in just three months, an inquest has heard.

Physics undergraduate Courtney Mitchell Lewis, 21, from Aberdare, Rhondda Cynon Taf, took 17 tablets.

He alerted friends on Facebook but died in hospital, the Swansea hearing heard.

The coroner said Mr Lewis made “a cry for help” and recorded a verdict of misadventure.

Mr Lewis, known as Mitch, had been working as a barman while studying at Swansea University.

But he decided to use a payday loan company to borrow £100.

However, the loan debt rapidly increased to £800 within three months.

The company offering the payday loan was not identified at the inquest but it is understood it was investigated by police and found to be operating legally.

In May last year, following a night out with friends, Mr Lewis took Dinitrophenol (DNP), which he had bought to lose weight, at his flat in Swansea.

He later posted a message to friends on Facebook saying: “I don’t want to die, I think it is too late.”

His friends called the emergency services and he was taken to A&E, but later died.

‘Friendliness’

DNP is deemed as unfit for human consumption and illegal for use in food but are used by bodybuilders and people trying to lose weight.

Colin Phillips, acting senior Swansea coroner, said: “Mitch was a loving and caring individual who was facing a number of personal problems.”

He added: “Mitch took 17 tablets as a cry for help, but despite alerting friends who took him to hospital he died of DNP toxicity.”

Mr Lewis was described as “the man who always smiled” by his friends.

Former students’ union president Luke James said: “His friendliness made it a better place to be every day.”

[…]

The 3 Golden Rules of Loaning to Friends and Family

Conventional wisdom holds that you should never loan more than you can afford to lose. Believe it. If your brother or your BFF asks for $500 for car repairs, you have no guarantee you’ll ever see those funds again.

How do I know? Because I’m owed money by both a relative and a couple of friends. They aren’t bad people, just casual with cash. I’ve long since written off the relative’s loan, especially since this person has given me a bunch of rides to and from the airport when I visit my dad.

If this situation sounds emotionally loaded, that’s because it is. Here’s what Money Talks News founder Stacy Johnson has to say about the subject. Check it out, then read on for more detail.

Watch the video of ‘The 3 Golden Rules of Loaning to Friends and Family’ on MoneyTalksNews.com.

As for the other loans: I’m owed a total of about $2,100 but I’m about as likely to get it as I am to wring plasma from limestone. That was a calculated risk, and I have no one to blame but myself.

Fact is, I wouldn’t have made those loans if it kept me from paying my own basic expenses. You, too, need to keep in mind whether you can truly afford to lend money. If it’s going to torpedo your own budget, keep that wallet in your pocket.

Here are the Golden Rules of loaning to friends and family:

Rule one: Make a policy and practice of saying “no”

Have trouble saying “no”? Try it a different way:

“That’s not in my budget. Sorry.”“I have a strict anti-lending rule: I’ve lost too many relationships this way.”“I paid for your last car repair and you haven’t returned the money. I can’t do it again. Sorry.”“Let me look at my budget and see what’s possible. I’ll let you know by the end of the day tomorrow.” (This is for when you’re blindsided and/or it’s a very emotional situation. Go home and send a “that’s not in my budget, sorry” email.)

And if the would-be borrower continues to plead or badger you? Remind yourself that you cannot wreck your finances to prop up someone else’s. It’s really OK to reply, “I’m not in a position to help you and I won’t discuss it further. Sorry.” Be prepared to hang up the phone or walk out of the room.

Should the person bring it up again the next time you meet, firmly state that “if you keep talking about borrowing money, this conversation will be over.”

The most important thing to do is formulate your own policy now, so you won’t have to think on your feet when the situation arises. Maybe you only lend in dire emergencies, or to relatives with jobs, or to nobody, no matter what. The important thing is to decide on a policy, memorize it, practice saying it and stick to it – no exceptions.

And when confronted, don’t beat around the bush or ask to think it over. Your response should be immediate and firm.

Rule two: Try to help in other ways

Financial guru Dave Ramsey doesn’t think you should ever loan money, especially to family members. “It ruins relationships,” he says. “If you have the money to help then give it, don’t loan it.”

Don’t make a habit of it, though. If your cousin or your frat buddy needs help on a regular basis, those cash infusions address the symptom rather than the disease. Whether it’s careless spending or a lifestyle that’s too big for its britches, the underlying issue needs to be fixed, not enabled.

Offer help instead of a bailout, suggests wealth psychology expert Kathleen Burns Kingsbury. For example, you could decline to chip in on an auto payment or credit-card bill and instead propose help in setting up a budget or paying for a few sessions of therapy for a compulsive shopping problem.

“It may be that you can negotiate something where you’re helping, really helping,” Kingsbury says, “instead of supporting unhealthy behaviors.”

Other non-cash aid might include:

Making budget information available: Maybe your friend doesn’t want you snooping in his finances, but a site like Power Wallet will help him track expenses, set goals, measure progress and even find coupons – and it does it all privatelyHelping list items on eBay or CraigslistSuggesting they investigate peer-to-peer lendingAssist them in finding a little extra workLending or buying them a personal finance book (I’d suggest anything by Liz Weston, Clark Howard or, of course, our own guru, Stacy Johnson.)Signing them up for the Money Talks News newsletter

Rule 3: If you must loan, be smart about it

If you do decide to lend, get it in writing. Seriously. Even if it’s your mom or the parents of your godchild.

You can get a free promissory note form online from Suze Orman. Gail Cunningham of the National Foundation for Credit Counseling suggests getting the documents witnessed and notarized. This shows the borrower that you’re serious about being repaid. It also protects you later on if things get ugly – for example, if that former BFF stands in front of a judge and says, “It’s not my signature.”

Be specific about repayment terms. “As soon as possible” is vague enough to be interpreted as “any time from next week to never.” Spell out what happens if you were to die before the loan is repaid: Will it be forgiven, owed to the estate or (if the borrower is a close relative) be subtracted from that person’s share of any inheritance?

You might also consider putting this phrase into the document: “If you don’t repay me via the terms on which we agreed, you will never again be allowed to ask me for money.” (If this person has the chutzpah to ask for additional bucks a couple of years after stiffing you, turn the agreement into a paper airplane and throw it at him.)

If this is a major amount of money vs. spotting a pal $50 until payday, protect yourself by talking to a lawyer and, possibly, requiring something to secure the loan.

Again, you shouldn’t lend money you aren’t willing to lose. Promissory paperwork notwithstanding, are you really prepared to take a sibling or a friend to court?

P.S. With regard to my own money lending, the bank is now closed to all but the most serious family emergencies.

Do you ever loan money to friends or family? If you’ve got tips on how to keep it real, tell us in the comments below or on our Facebook page.

This article was originally published on MoneyTalksNews.com as ‘The 3 Golden Rules of Loaning to Friends and Family’.

FinancePersonal Finance – Lifestyle […]

Local woman has warning about payday loan scam

Las Vegas, NV (KTNV) — Most of us need a little extra cash in our pocket from time to time. When funds are low, some turn to a payday loan company.

But as one Las Vegas woman recently learned, you’ve got to be careful about who you do business with.

“So it’s just been really, you know, I’m having a hard time,” said Sandra Pickens.

She said money is tight. She’s been out of work for the last nine months. To cover her expenses, Sandra said she applied for a payday loan.

“Just did a Google search you know, put in a general application,” said Sandra.

Sandra said she applied through an unknown service, that sent her application to a number of loan providers. Shortly after, she got a call from someone claiming to be a lender.

“I couldn’t understand what he was saying. I’m like, excuse me. What do I need to do? Who are you calling from?” said Sandra.

The person told Sandra she was approved for a $2,000 loan. But before getting the money, Sandra was told she’d have to pay an up front fee of $200.

“He’s like, well we need you to go purchase a prepaid card, like Green Dot, and put $200 on the card and then call us back,” said Sandra.

She said the request raised a red flag. Not only did she feel uncomfortable sending money, but she explained, she didn’t have $200.

“He was like can’t you go borrow it from your friends and family? And I’m like if I could, I wouldn’t be borrowing it from you,” said Sandra.

That’s when Sandra hung up and decided to reach out to Contact 13. She wants to make sure others know who they’re applying with, when looking for a payday loan.

“He had all my personal information. My date of birth, my social, where I live. I’m just glad I got the sense, to, I’m not sending them any money,” said Sandra.

Here’s the contact 13 bottom line: The Federal Trade Commission says if you’re told to pay a fee in advance for a loan, then it’s a scam. Never send money to someone you don’t know with a prepaid credit card or through a wire service.

Once that money is sent, it’s gone for good.

[…]

Need A Payday Loan? Read These Tips First! | Shipping Wesley …

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Need A Payday Loan? Read These Tips First!

When you have a financial emergency, you can get stressed out to no end. You may feel like there is no where to turn. If you’re considering payday loans, keep reading to learn more about them before making a decision.

Checking with the BBB (Better Business Bureau) is smart step to take before you commit to a payday loan or cash advance. This will ensure that any company you decide to do business with is reputable and will hold end up their end of the contract.

If payday loans have gotten you into trouble, there are several different organizations that can provide your with assistance. They will be able to help you for free and get you out of trouble.

A good tip is finding a payday lender that will work with you in the event you are having a hard time paying back your loan in a timely manner. Search for the lenders who are willing to extend the period for paying back a loan should you need more time.

It is important to understand payday loans. When you have successfully paid off you loan, you might be mad that you spent so much. You can put that anger to constructive use by using it as motivation to start building an emergency reserve fund. That way, you can borrow the money you need from yourself the next time you have a shortfall.

Try considering alternative before applying for a payday loan. You could ask for a cash advance from your credit card provider; your interest rate might be lower than with most payday loans. Talk to your friends and family to see if they can help you out as well.

The advice here should help you find the loan you need. Before applying for any loan, know all you can.

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Shipping Wesley Chapel

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How To Handle Payday Loan Harassment | Bankrate.com

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Dear Bankruptcy Adviser,
I have a company threatening me with a bench warrant. I believe it is from a payday loan I got a long time ago. They call me and my family. I don’t even know how they got my parents’ phone number. They call me at work and tell my co-workers I am a deadbeat. I am confused and upset. Can I do anything at all? This is horrible!
— Lucy

Dear Lucy,
I agree, it is horrible. I am truly shocked by this development in the payday loan world. The first time that a client called me about these types of calls, I was livid. I tried calling the company numerous times to yell, scream and threaten them with lawsuits.

I soon learned what you already know: There is nothing to be done about this. At least nothing you can do to go after these illegal actors.

I can’t say for sure how this illegal conduct has been able to continue for so long without either local or federal law enforcement agencies intervening. I have my theories, but nothing I can prove so I will just keep them to myself.

You took out a payday loan at some point in the past few years. You then defaulted on the scheduled payment. The lender tried to collect, but to no avail. It then sold or transferred the account to a third-party debt collector.

The third-party debt collector is usually an offshore company or a company that moves around and has no fixed location in the U.S. The collector will call you and do skip traces to find family and friends.

The debt collector says one of the following to you. He or she will also say a variation of the same thing to your friends or family:

I am on my way to the court to serve you with a lawsuit for bank fraud. You will go to prison for this.I am sending a local sheriff to your house today to arrest you for bank fraud. You bounced a check and now you are getting arrested.I have a judgment against you for bank fraud because you bounced a check. Even if you filed bankruptcy, you can’t wipe this out because you committed fraud.

All of this is untrue.

While the calls to friends and family might not end, you can stop the calls to yourself. You merely have to be strong and say to the debt collector that you know he is a fraud. You know he is not going to do anything, and you know he is going to keep calling.

Just say, “OK, I understand. Sounds serious, but I don’t believe you. I know this is a scam. I assume you will be calling me a lot, but I know you are not going to do anything. I guess we will be talking again tomorrow.”

Period. All my clients that say this tell me that the collection calls stop. The collector is trying to scare you into paying. Once he or she realizes you are not scared, he or she moves on to the next victim.

[…]

4 of 5 Payday Loans Are Rolled Over, Report Finds | Credit.com Blog

The newest report from the Consumer Financial Protection Bureau targets payday loans — in prepared remarks released ahead of a speech today in Nashville, Tenn., CFPB Director Richard Cordray referred to them as “debt traps.”

Released today, the report found that four out of five payday loans (sometimes called cash advances or check loans) are renewed or rolled over, essentially negating the purpose of the loan product as a short-term financial solution for cash-strapped consumers.

A Troubled Problem Solver

Payday loans are small-dollar loans — typically $500 or less — that are designed as emergency financing to be repaid with the borrower’s next paycheck. In addition to the triple-digit APRs that are often charged, these loans carry steep origination fees, and consumers can end up paying much more than they borrowed in the first place. The CFPB report found that three of five payday loans are made to borrowers whose fee expenses exceeded the initial loan amount.

If you’re wondering how that adds up, it’s because these loans become much more cyclical than they were intended to be. Only 15% of borrowers repay their payday debts when due without re-borrowing within 14 days (the CFPB considers payday loans taken out within 14 days of paying off the previous loans to be renewals, or part of a loan sequence). Conversely, four of five borrowers end up defaulting on or renewing a payday loan within a year.

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“We are concerned that too many borrowers slide into the debt traps that payday loans can become,” Cordray said, in a news release about the report. “As we work to bring needed reforms to the payday market, we want to ensure consumers have access to small-dollar loans that help them get ahead, not push them farther behind.”

About half of initial loans are repaid within one loan renewal, but about one in five initial loans leads to a sequence of seven or more loans. Overall, more than 60% of payday loans are made over the course of loan sequences amounting to seven or more loans. About half of all payday loans are made to borrowers in a sequence of 10 or more loans in a row.

“From this finding, one could readily conclude that the business model of the payday industry depends on people becoming stuck in these loans for the long term, since almost half their business comes from people who are basically paying high-cost rent on the amount of their original loan,” Cordray said.

Potential Action

Obviously, this isn’t a rosy picture of the payday loan industry. Still, it’s a commonly used product: About 12 million Americans currently have payday loans. With a consumer base like that, it’s clear that there’s a need for short-term loans, which the CFPB acknowledges, but it is also clear that these loans could use a redesign.

Cordray says payday loan changes could be on their way soon, saying the CFPB is in the late stages of considering ways to reform the industry. Meanwhile, millions of consumers bounce from one payday loan to the next.

More on Managing Debt:

The Credit.com Debt Management Learning Center How to Pay Off Credit Card Debt 5 Tips for Consolidating Credit Card Debt Understanding Your Debt Collection Rights The Best Way to Loan Money to Friends & Family Top 10 Debt Collection Rights

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Payday loans self employed @http://www.loansforunemployeduk.co …

Asked by

kallysmith

, January 07, 2014

An unemployed person who has many reasons to clean up the fiscal help from his friends and relatives without being hesitant. But debts from dense seem embarrassing. Therefore, job seekers should visit the headquarters of the loans for the unemployed, which lenders are deliberately arranged according to the needs of the unemployed. Lenders get the ins and outs of the loan without job-holders, who were trying to hassle free loans with the lowest interest rate. For the purchase amount for the unemployed does not give the creditor materialistic object. Therefore, these subsidies are completely free of problems. Unemployment is a problem, when people can hear from bucks, despite the fact that hundred pounds. If there is no steady job, saved amount used fits. But helping the loans for unemployed, owners didn’t work can get rid of their unwanted financial disasters, such as; Linens cost lessons and lessons for children, medical or hospital bills, repairs and service, national fees and the list goes on. These loans are classified in the class of unsecured loans. It is so; lenders do not require any kind of valuable assets as collateral from borrowers, who don’t get a job right now. Compared to traditional loans, payday loans self employed, because you can use that on the net, too. Applicants have to go here and there in their search for a suitable job, the lender with the lowest interest rate. The Online service offers many creditors with different Web site terms and conditions. Unemployed persons must provide some essential documents, such as your name, address, age, number, get a contract, checks, account number, previous employment, and earnings for the most recent works and so on. This information are so convincing a lender loans for the unemployed obtain the approval of the amount of something like £ 80 and £ 1000 without a pledge of security within 24 hours or more that soon. Generally, these monetary conditions rescues suitable for job-seekers http://uk-3monthpaydayloans.co.uk/

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