Sonic payday "Again"

They are so full of it! Being reported to telecheck or Teletrack only means you can't take out a PDL again! And what a big loss THAT would be, NOT!! You can still write a check, they are clueless!

Thanks, ks. I was reading this thinking "what? can they do that?" regarding check writing priveledges. Ummm....they can report me to all the pdl's they want to. Please do! But I was scared for a second regarding writing checks for REAL life - not pdl life! LOL!

So what if you can't write a check, get a debit card for your account, that is the newest thing any way. I don't think they can do this anyway.

Well, because some places don't take pmt over the phone, etc. Like my garbage bill, my water bill, a couple others. I know if you can't write a check, you can always get money orders, but that's an added expense. I was just making sure there's not a "black mark" on me in the "check world" so that I can continue to write a check from my account to pay my bills that don't accept pmt over the phone or on line.

Places like the trash company, or other utilities, car payments, or any other bill you might write a check for and mail off won't be affected in any way. However, places like gas stations or grocery or other retail stores that take checks and run it through a check system before accepting it as payment might actually be affected. (who knows) However, as someone pointed out...you could always just use your debit card to pay at those places.

Thanks, guest! That does make sense. If you're paying a bill - they just cash it. If you go into a store, they "run it through". I see. And, you're right. In that case, I can always just use my debit card. At least you put my mind at ease about writing a check to pay bills! Thank you!

Sonic is not going to report you to telecheck. I defaulted with one of their dba's and I can still write checks anywhere. They might report you to Teletrack which is only used by payday loans and rent-to-own places, as far as I know. Don't let them make you think you will never be able to write checks again because they are full of it.

Thanks for your reply forum. I havent heard from Sonic again but they will call on Monday for sure because they gave me another extension(how nice)
That PIF approach I have tried with three of my payday loans. Gave them the breakdown that in Florida roller overs are not allowed and the fee they are charging is not to the state guidelines. They dont care, all they want it their money. I total the amount of fees since I have been paying them for a year now, they didnt take the cake. The most they worked out was, balance / by two payments. I can no longer afford that. They all said the same thing send you collections, call payroll and torture my manager..blah..blah...blah. I got a quote from T & C, very nice and helpful employees. They do consolidate payday loans and interest fee my car payment, everything paid in 36 months. The money I have been using to pay these folks on roller fees I can use it and start the program. It's great that some in the forum are able to do the PIF, but this is like a part time job. The leave you on hold forever and sometimes it's very difficult to discuss personal things in a cubical. Especially when you want to reply to the payday loan as nasty they can be. Do these companies send these employees to treat the customer as nasty? Come on. Please.. give a person
a break. I even told one of these payday loans, MTE to be exact, I hope that you never have a credit problem in you life and if you do, someone would treat you the same you have treated me. This forum has taught me alot. There are great suggestions and everone is to help someone.

lpatch, welcome to the world of MTE! They are my nightmare! So are you going with T&C, or just considering it? If you're going with them, won't they deal with the idiot pdl's for you?

lpacheco, it IS hard work to get all this stuff taken care of. It consumed me for a couple weeks at least. Can I give you one tip, don't even bother calling these places. Communicate with them by email. I keep a folder on my computer with letters I have sent and received from these places and every time I hear from them I send them another email. That will cut down on some of the time you spend waiting on hold. Anyway, I don't think any of these places can be trusted to talk to on the phone and you need to have everything in writing.

T & C is a very good company and the employees are SO nice. Many here have had success with them. They are taking good care of my neighbor who put her credit cards with them. They got her interest cut down tremendously.

Good luck in whatever you decide to do and please let us know how things go. We are all here for you and rooting for you!

hey cannr, they faxed me the paperwork just today the payments are not much and she said that they do work with them because they have alot of customers already on the program. She said that it could take up to 3 months to shut them up because these people get paid to do this. The program seems good and very safe and yes I will join them the next time I get paid. I need to sleep. She did say it's difficult with Sonic so I might not consider even putting them on the plan if they dont work out. I dont even have an address for them. Help...i have six address..are any of them real. How do internet payday loans work? they all seem so nice and then you default and the devil jumps in their body to deal with us. Nice

Hello sassnlucy, thanks for your reply - kind words and thanks for your suggestions. One question though, how can I contact the other payday loans if i dont have an email address for them? for example, its my payday and apollo and others. One of the requirements joinin the TC program is to provide them address so the contact them in writing. Does anyone have a loan with Cash Today Limited? where are they located? have you loan with them? So did you pay your payday loans or use the PIF letters?

Hi lpacheco!!! I haven't dealt with either one of these companies but let's keep this post bumped up and hopefully someone will have email addys and physical addresses for these places.

Here is an address I found for Cash Today Limited but I'm not sure if it is a good one or not.

Cash Today Limited
Phone: 800-680-2177
Fax: 800-690-9926
1005 Terminal Way Suite 110
Reno, NV 89502

If this is the one that is the same as Sonic Cash, Payday Avenue, etc, yes, I did have a loan with them, and with the help of my state's attorney general, they marked me PIF.

I didn't use T & C because I was really broke because of these pdl's.........

Hello again and you sure be fast on reply Sassnlucy!
Please explain if you can a short version of getting a PIF, like you stated on your email. That really sounds great. Did they bug the hell out of you at work and your Manager. I send a wage assignment form to Sonic and that did not work, they called my payroll dept. They dont grant it unless a court order I was lucky but many of my coworkers they have gotten it really hard from some of them. Then end up calling me because I am a supervisor or the team. I tell them its illegal them saying what they say and did they forgot about the privacy law. For God's sake. and then I hang up but my boss got a couple of calls and told them to call me because that is my problem and she aint paying them for me :)

lpatch, list out the pdl's you need info on. I know sassnlucy gave you Cash Today - and it's correct info. Is one of the ones you said It's My Pay Day or something? List them out and I'll see which ones I have (Lord knows it's enough) and others will also see and they'll give you contact info if they have it. Some of the pdl's are all actually one company just using different names. We will know what info to give you if you list them for us. And I do believe Sonic is Cash Today and many other names. Please list them and we'll get the info. And I'm glad you're going with T&C. It's about a damn full time job fighting these things on your own! LOL! But we'll give you all the info that we can!

thanks cannr for you help. i am listing the names of the paydayloans. forum if you have a email or address i need them. I am going to try my best with TC because some of the payday loans are very nasty. Though arrowhead was very helpful with a realistic payment plan. Some do care....they want there money the nice way and if they send it to collection it becomes very expensive and they wont get 1/2 of the loan funded. so i was explained too. below is the list if anyone has a email address or address please help. thanks to all again.

ten dollar loan
zip cash
apollo proceesing
plaza payday
jd marketing
national opportunity
sonic payday
sonic cash

Thanks to the forum on helping. The support is awesome

I had luck last week with getting Cash Today to go away completely. Don't ask me how, I just typed an email with the PIF letter attached and emailed the following:
info(at)cash2day4u.com and
Aarong(at)heathmill.com
Then on Friday, they didn't debit, they haven't called. STRANGE! But acceptable... :lol:

Zipcash email is info(at)zipcash.com
I also received a PIF from them. They also DBA as NetCash USA.

Hello blow30, thanks for infor. can i ask for a sample of you PIF request? if possible? Thanks again

and, did you send a wage assignment to them?

Actually,
Sonic and Cashtoday are not one and the same. I believe that Cashtoday is affiliated with Route 66, which is another horrendous offshore PDL place, but based in England.
Sonic, Northway Debit and Cashtransfer Centers are all the same company and are based in Malta.

Malta is in Ireland and they dont have any address in the US or whatever? have you deal with them kscornell?

Lpacheco68,
I sent one letter that kind of touched on all of the revocations, etc. I will pm it to you.

Here is what I can give you:
Ten Dollar is MTE Financial (nightmare)
MTE FINANCIAL 515 G SE MIAMI, OK 74355
Phone: 1-866-213-0268
Fax: 1-866-539-7503
email: compliancedepartment(at)mtefs.com
National Opportunities (It's My Pay Day)
NATIONAL OPPORTUNITIES
42 READS WAY
NEW CASTLE, DE 19720
Phone: 1-800-243-0590
Fax: 1-866-443-9969
email: customerservice(at)itsmypayday.com
If Sonic is indeed the same as Cash Transfer Centers: NORTHWAY FINANCIAL CORPORATION LTD
CASH TRANSFER CENTERS
LEVEL 8 SUITE 3
PLAZA COMMERCIAL CENTER
BISAZZA STREET SLIEMA SLM15, MALTA
email: customercare(at)cashtransfercenters.com
I hope this helps some anyway!

hi, it was interesting reading your story because I have the same problem with sonic and actually yesterday they sent my employer the declaration of wage garnisment to garnish my wages and my payroll department said this is a legal document and they have to garnish my wages. What exactly did you do to stop garnishments?

Isn't it a wage assignment they have? Not an actual wage garnishment? A wage assignment does not have to be honored by your employer? How the hell can they actually garnish wages when they're not even legal????

Hello KATELYN2COOL,

I first sent a revoked wage assignment letter to Sonic payday and foward a copy to HR. Confirm with HR and they do not grant it if it is not a court order? What state do you live in?

Did you get copy of it?

They are not legal anywhere. I called my State Attorney Office and sent a formal complaint.

Let us know

katelyn, a wage assignment is voluntary. It is not a wage garnishment. Your employer does not have to honor a wage assignment. Draft up a letter to your pdl revoking any wage assignment that you may have signed with them. Email it, fax it, mail it. Give a copy to your payroll department. This is not a garnishment letter. It is a wage assignment letter. Like I said, it is totally voluntary and your employer does not have to honor it. Show them the letter you sent to your pdl and have them put it in your file. They do not have to honor it. You're pdl is way illegal. And for your employer to honor that wage assignment would be crazy. But cover your butt and send out the letter and give a copy to your payroll department for your file.

What state are you in? Let's be sure and double check applicable state law--and I can tell you that in almost all cases, the only way that you can be garnished is by court order--and once you revoke the wage assignment form, that your employer has to honor that. In my case, my employer just didn't want to do it and sent it back!

P.S. - A wage garnishment would have to come with a court order, as stated in an above post. Did you have a court ordered wage garnishment? I swear I'm thinking it's a wage assignment. You're pdl is located in Malta and operating illegally. I can't see them getting a court ordered wage garnishment.

It is a voluntary wage assignement which is illegal in Florida. They are not going to get a court ordered wage garnishment. This company isn't even in the United States or operating legally so there is no way they are going to get a court order for a judgment therefore they cannot garnish your wages!!!!!!!!!!!!!!!!!!!!! The wage assignment is VOLUNTARY so if you want to revoke it, you can at any time!!!!!

I defaulted on these jerks. It had been almost 6 wks. I was going to fight it my my other half said no you signed the contract now pay them. After 6 weeks of ignoring their calls and them not getting a cent, the jerks are still offering to reloan to me. It is crazy. I will not ever deal with any of these places again!!

Thru this site I was able to locate a mucky-muck in the paydayavenue parent company. I emailed him & sent a letter via USPS bringing to his attn that they owe me money !!! Would it surprise any one on the forum to know that he hasnt responded & the email associated with payday avenue has referred to me to another/separate 866 & 888 numbers. One reason this PDL charges such outrageous fees is becuz of their COMMUNICATION bills (multiple email addy's & tele #). What a maze of b.s. !!!! So whatcha think - - - what are my chances of seeing any of my # back? (Smile).

Realistically, slim and next to none--but heck, anything can happen. I'm rooting for ya!!

KVN, can you PM me please. This company is being investigated in Canada and provincial and federal officials that I am dealing with would love to have these numbers. E-Care Contact Centers (NDG Financial) is going down very shortly.

heaven, honestly, you can forget about seeing any refund from these people. In my eyes, you are so done with them. Please tell me that you've filed complaints on them. And, as PDL posted above, feel free to send a pm. PDL has info.