Complaint Review: 1800 Loan Mart - Encino California

First all you have no rights to call anyone STUPID... I guess your mama didnt tech you no d**n manners... because no one dersve to be called stupid. You were probaly that one bully in high school that bully and peeked in highschool, now you're just a mean hateful person.

This person was expressing their feelings and how they regret doing Loan Mart, and you have the nerve to make them feel even worse. CONGRATS, is that how you sleep at night??? I hope you get some typ of bad karma, to where you understand.. how do you live with yourself?

This website to help people express how they feel and what happened to them, not a website where you can come and be a bully!! shame on you. 

You can try to convince yourself that they are wrong..but it doesn't make it so.

You stated that no creditor starts collection activities after 1 missed payment..you specifically emphisized "NO ONE".  The only way you can legitimatly make this statement is if YOU from personal experience have stiffed creditors in the past and they did not start collection activtivies after 1 payment.  So were you just making that statement up to try and make your "ripoff" sound better or is this from personal experience?   In addition to that if it is from personal experience you never answered the question as to how many payments must a creditor wait before they start to attempt to collect on the missing payments?

As for your credit, you are with a SUB-PRIME lender that provides High-Interest title loan.  Their are really only two reasons you would be with them.  You are just plain stupid, or you have a poor credit history and can not get credit through more regular sources(even some of the worst CC's have better terms than a title loan).  If it is the former well can't do much about that.  But if it is the later, it is that poor history that means that you have had a history of stiffing creditors as such no "regular" creditor is willing to take a risk on you anymore.  As a result you ended up with a Sub-Prime lender who yes is going to keep a much tighter reign on you to make sure that they get their money back. 

Just remember that YOU agreed to the terms, and I can guarantee you that there was nothing in the terms that said you could make the payments on your schedule.  If you didn't like these terms then you have every opportunity to walk away.

You weren't there I was!1 So don't come at me when your lack of knowledge and judgement. I was TWO days late with a payment and for YOUR information I don't stiff creditors. So before you play keyboard gangster you need to make sure YOU have all your ducks in a row.  Be gone!!

 NO OTHER lender starts collection activity after a missed payment. NO ONE.

- You must be speaking from personal experience.  So tell us how many payments have your other creditors let you stiff them on before they start collection activitites?  2 Payments?  3 Payments?  Or do they just ignore you knowing that someday in the near or distant future you may grace them with at least a partial payment of the money you borrowed.

You see this obvious vast experience you have with stiffing creditors is exactly why you ended up getting a sub-prime title loan.  Because no other creditor is willing to take a chance on you because you have not proven you have even the remotest capability of handling credit.

But if you think they are bad for just threating reposession for a missed payment.  Wait until you go to the next lender who not only threatens but follows through.  Or you may get lucky.  You may find a creditor who won't reposess your vehicle, they will just disable the starter after you have become 3 days late and then keep it disabled until you pay.