Chris
Fairview Park,#2Consumer Comment
Sat, April 11, 2009
If you apply for a loan through this company, you ought to try to follow these suggestions:
READ EVERYTHING. Save all documents to computer. Print out or (make a PDF of) the loan application. In the terms and conditions of the loan agreement text box itself, highlight and copy it to Notepad. Then read it.
When filling out the application, please be sure to *uncheck* the check box of the paragraph where it starts "Fraud Protection: Many of the people who apply with us have made their personal information available through applications with other lenders."
This is where you get charged $24.95 for the Fraud Protection through something called the Fortress Network. If you check this box, then you will get charged.
The day after, visit sites like THIS one and do research. Also, try (((Redacted))) anywhere where people have complained.
If, after everything you read, you are alarmed and not sure whether this is right for you... then you can call 877-773-7723, talk to a live person (I talked to Jonathan, who was nice).
In the Notepad text-based "Terms and Conditions," it says this:
"CANCELLATION and PREPAYMENT. You have the right to cancel your obligations by 5:00 PM Mountain Standard Time of the next business day following the Effective Date without having to pay any charges."
So I withdrew my entire application. I also emailedthe company with the following emails:
Dear Sirs:
Since I have completed my loan application, I have visited the (((Redacted))) page about Quick Bucks Direct.
The visit to that web page prompted me to write this email.
I have NOT authorized the $24 Fraud Protection through the Fortress Network. I UNCHECKED THE BOX. I do NOT need the fraud protection.
You - OR ANY OF YOUR AFFILIATES - are NOT AUTHORIZED to withdraw ANY money from my checking account.
Please honor this wish.
If you do attempt to withdraw ANY money, I WILL contact your state's Attorney General, and you will be held in violation of the Fair Credit Reporting Act.
You must respond to this email and SAY that you understand the conditions that I state here for the record. You have 48 hours to respond to this email.
Again, you (or any of your affiliates) will NOT attempt to withdraw any money from my checking account. I have not given my consent.
Let me perfectly clear: All I have consented to is a loan application. I will abide by YOUR terms and conditions as long ---> as long as you abide by MY terms and conditions.
You have been warned.
--
Sincerely,
C
AND
after the call to Jonathan, I sent this:
I read the terms and conditions, and, noting where it says in the loan app, as follows:
"CANCELLATION and PREPAYMENT. You have the right to cancel your obligations by 5:00 PM Mountain Standard Time of the next business day following the Effective Date without having to pay any charges."
Therefore, after a please phone conversation with Jonathan, I have withdrawn my loan application numbered 31068583.
I STILL want no money withdrawn. Thanks, and have a pleasant day.
(I BCC'd both emails to State of Utah Attorney General .)
Chris
Fairview Park,#3Consumer Comment
Sat, April 11, 2009
If you apply for a loan through this company, you ought to try to follow these suggestions:
READ EVERYTHING. Save all documents to computer. Print out or (make a PDF of) the loan application. In the terms and conditions of the loan agreement text box itself, highlight and copy it to Notepad. Then read it.
When filling out the application, please be sure to *uncheck* the check box of the paragraph where it starts "Fraud Protection: Many of the people who apply with us have made their personal information available through applications with other lenders."
This is where you get charged $24.95 for the Fraud Protection through something called the Fortress Network. If you check this box, then you will get charged.
The day after, visit sites like THIS one and do research. Also, try (((Redacted))) anywhere where people have complained.
If, after everything you read, you are alarmed and not sure whether this is right for you... then you can call 877-773-7723, talk to a live person (I talked to Jonathan, who was nice).
In the Notepad text-based "Terms and Conditions," it says this:
"CANCELLATION and PREPAYMENT. You have the right to cancel your obligations by 5:00 PM Mountain Standard Time of the next business day following the Effective Date without having to pay any charges."
So I withdrew my entire application. I also emailedthe company with the following emails:
Dear Sirs:
Since I have completed my loan application, I have visited the (((Redacted))) page about Quick Bucks Direct.
The visit to that web page prompted me to write this email.
I have NOT authorized the $24 Fraud Protection through the Fortress Network. I UNCHECKED THE BOX. I do NOT need the fraud protection.
You - OR ANY OF YOUR AFFILIATES - are NOT AUTHORIZED to withdraw ANY money from my checking account.
Please honor this wish.
If you do attempt to withdraw ANY money, I WILL contact your state's Attorney General, and you will be held in violation of the Fair Credit Reporting Act.
You must respond to this email and SAY that you understand the conditions that I state here for the record. You have 48 hours to respond to this email.
Again, you (or any of your affiliates) will NOT attempt to withdraw any money from my checking account. I have not given my consent.
Let me perfectly clear: All I have consented to is a loan application. I will abide by YOUR terms and conditions as long ---> as long as you abide by MY terms and conditions.
You have been warned.
--
Sincerely,
C
AND
after the call to Jonathan, I sent this:
I read the terms and conditions, and, noting where it says in the loan app, as follows:
"CANCELLATION and PREPAYMENT. You have the right to cancel your obligations by 5:00 PM Mountain Standard Time of the next business day following the Effective Date without having to pay any charges."
Therefore, after a please phone conversation with Jonathan, I have withdrawn my loan application numbered 31068583.
I STILL want no money withdrawn. Thanks, and have a pleasant day.
(I BCC'd both emails to State of Utah Attorney General .)