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Payday Loan

Payday Loans Stores In San Francisco Settling With Past Customers

Posted on August 8, 2012 by Kristy Lamar

Payday loans are back in the California news with San Francisco city officials looking for victims of two payday stores. The city brought a lawsuit against two payday loan stores back in 2007 and now have up to $7.5 million to return to the victims. The reimbursements could range anywhere between $20 and $1800 to repay those who were charged exorbitant and excessive fees, interest and fines. The city is now on a search to find the claimants on the settlement. There has been a deadline set for October 1, 1012 to … Continue reading →

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Are Payday Loans Becoming A Way Of Life?

Posted on August 7, 2012 by Kristy Lamar

What’s going on with the payday loans industry? There are 12 million adults in the United States alone each year who are taking out at least one payday loan. This fact says a whole lot since the average user will take out at least eight loans throughout the course of a year.

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Cutbacks Are Avoided By Many Payday Loan Users

Posted on August 2, 2012 by Kristy Lamar

Is the ease of a payday loan online or store front location, keeping customers from cutting back on expenses? The payday loan industry has a bad reputation for targeting certain customers to fall into the “payday loan trap” but customers are trapping themselves

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Offshore Payday Loan Scam Warning

Posted on August 1, 2012 by Kristy Lamar

One more payday loan scam reported from an Iowan woman hoping to keep others from falling into the same or similar trap.

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Payday Loans Online In The U.K. Are Taking A Different Approach

Posted on July 29, 2012 by Kristy Lamar

The United Kingdom has created a peer-to-peer version of payday loans online. Here in the United States, people place their money into a savings account earning them a few cents in interest. This U.K. program has people earning up to 12 percent on their money. Some U.K. institutions are allowing people to use their money to fund peer-to-peer payday loan lending practices. How does peer-to-peer lending work? People place their money into an account which is used to fund payday loans.  Those who borrow the cash will repay their debt a week or two later paying back … Continue reading →

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Iowan Zoning Commission Targeting Payday Loans Locations

Posted on July 26, 2012 by Kristy Lamar

Once again, zoning issues are in the news and this time it pertains to Iowan low cost payday loans. The Zoning commission is looking into regulating where payday lending companies can be located. Their studies have shown negative effects on communities near their locations. There is always the concern of what is the best way to regulate payday loans locations. Direct online payday loans are not the concern with this study. The Iowan zoning staff are recommending that the payday loan stores be limited to commercial zones, have at least 1,000 feet in between … Continue reading →

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Arkansas Versus Payday Loan Collectors, Lenders and Borrowers

Posted on July 25, 2012 by Kristy Lamar

Arkansas’ Attorney General is cracking down on payday loan companies in pursuit of protecting the residents from unlawful debt practices and collections.  A consumer protection lawsuit has been opened against a Kansas-based debt collection agency for unlawful collections practices against Arkansas residents. This lawsuit is pursuing a Kansas company for their debt collection practices for debts from online payday loans gone bad. Arkansas has some strict regulations when it comes to the relationship between payday loan operations and collections practices. The state of Arkansas has managed to shut down storefront payday lenders and continues … Continue reading →

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Payday Loan And ATM Safety Precautions From Scammers

Posted on July 24, 2012 by Kristy Lamar

It’s not just the online payday loan industry where scammers have been found. ATMs have had their share of dealings with crooks and fraudulent activity. There is so much reported on password protection, that the thieves have evolved their tactics to hidden devices which will capture your card information on a magnetic strip. This information will then be used to obtain funds fraudulently from your account. It is not just happening with ATMs which are set up at remote locations, but those within the bank lobby as well. Hidden devices capture the … Continue reading →

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Payday Loan Industry Not Involved With Current Lawsuits Against Banks

Posted on July 23, 2012 by Kristy Lamar

Some of the heat is off the payday loan industry as banks are being challenged for their overdraft fees. These fees are eating away at the income of struggling families. When an account balance is overdrawn, the banks cash in on the account holder’s error. The error could be for any amount and the bank would charge the same fee. Make the error multiple times without realizing that the account is out of money and get a fee for each overdraft transaction. Banks are now being challenged for this billion … Continue reading →

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Online Payday Loan And Payday Loans Are Heavily Regulated In WA

Posted on July 19, 2012 by Kristy Lamar

The state of Washington has some clear regulations when it comes to online payday loans and “brick and mortar” locations. For store locations, a customer would write a check which is then held until the end of the loan period.  When it is time to pay, the customer can use that check or bring in money to pay off the loan. An online payday loan does not hold a check, but will have direct access to debit a bank account.

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