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Tag Archives: payday loans

Misnamed Payday Loan Initiative Under Attack In Missouri

Posted on August 9, 2012 by Kristy Lamar

The state of Missouri is pushing a measure titled “Payday Loan Initiative” which consumers are objecting the misleading name. The measure on the ballot is pushing for restricting payday loans in their state.

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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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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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Direct Payday Lender Explains How To File An Identity Theft Report

Posted on July 28, 2012 by Kristy Lamar

Spotya! payday lender continues a look at steps to take if you feel your identity has been stolen. In a previous blog, identity theft was explored. The first thing which any individual should do when they feel their identity has been compromised is to place a fraud alert with one of the three major credit bureaus. In this blog post, the second step will be addressed, filing an identity theft report. A direct payday lender’s tips for an identity theft report. There can be two parts to an identity theft report. The first … 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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One U.K. Company Turns It’s Back On Payday Loans

Posted on July 17, 2012 by Kristy Lamar

Could payday loans prevent some consumers from receiving a mortgage loan? A sub-prime lender in the U.K. has taken a stance against lending money to customers who have taken out a payday loan within three months of applying for a home loan. A sub-prime lender gears their loans to include those with tarnished credit. Since many customers with similar credit will also turn to low cost payday loan companies for small loans, extra thought will need to be put into future lending opportunities. This information does not apply towards American … Continue reading →

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Online Payday Loan Lenders And Military Loan Regulations

Posted on July 14, 2012 by Kristy Lamar

An online payday loan does not mix well with military personnel. Debt is a topic in which the military takes seriously. Service members are forced to repay debt with punishments enforced for those who are delinquent or do not pay. Military personnel can lose security clearance, be demoted or in some situations discharged from the armed forces. Online payday loan lenders do know that the military are encouraged to pay their debt, which has made them an attractive borrower, especially the junior enlisted personnel.  The junior members (those with the six competitive ranks … Continue reading →

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