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Old 01-30-2009, 06:49 PM  
Micjones Micjones is offline
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Title Loan Sham.

I just learned how title loans work.

A friend of mine is in deep shit now that her car's been possessed.
Where in the world is the protection for borrowers?
States are allowing these businesses to run wild.

She borrowed $800 from the company in exchange for her title.
She's been making steady monthly payments, but the interest reduces those (small) payments to next-to-nothing.

As a result... The company has repossessed her car and are threatening to auction it off 15 days from now if she can't produce $2,000.

How on earth is it legal for a creditor to keep more than the borrower owed?

I thought the payday/signature loan business was bad.
This sounds worse.
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Old 01-30-2009, 09:02 PM   #61
DeezNutz DeezNutz is offline
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Since Obama has been President, I haven't had to make a mortgage payment, a loan payment, or pay any of my utilities.

LIFE IS GREAT!!
Where did you pick up your free gas card, cause I'm going to need to fill up soon?

I helped him, so I need to know where to get my return reach around.
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Old 01-30-2009, 09:05 PM   #62
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Originally Posted by RedNeckRaider View Post
You and I have debated before. This person agreed to the terms, fact. Are there people who prey on the weak the answer is yes. This person agreed to the terms, what is it that you find wrong? BTW Jesus was not black he was from the middle east so I will buy a person of color, but claiming black is a reach, as far a Regan that is just silly, and 911 well to take that stance is a bigger reach than portraying someone who agrees to do something and does not as a victim.
The quote you're referring to in his sig is from a very entertaining show called the Boondocks.



And what's it matter what color Jesus was? Does it give you comfort thinking he was white? Because it shouldn't matter.
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Old 01-30-2009, 09:09 PM   #63
Micjones Micjones is offline
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Originally Posted by RedNeckRaider View Post
This person agreed to the terms, fact. Are there people who prey on the weak the answer is yes. This person agreed to the terms, what is it that you find wrong?
We've been over this. The creditor's actions are perfectly legal given the contract and the letter of the law.

I'm talking about the ethics of such predatory lending practices.
You're conveniently mum on that part of the issue.

Quote:
BTW Jesus was not black he was from the middle east so I will buy a person of color, but claiming black is a reach, as far a Regan that is just silly, and 911 well to take that stance is a bigger reach than portraying someone who agrees to do something and does not as a victim.
1. My signature has nothing at all to do with the current topic.
2. You don't get the obvious reference.
3. I won't debate this with you here.
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Old 01-30-2009, 09:11 PM   #64
Micjones Micjones is offline
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Originally Posted by KC Fish View Post
I am sorry to hear about your your friend. Honestly. But in my experience, the folks that find themselves in need of immediate solutions such as this are generally the ones that are bad with money/responsibility in the first place.
I tend to agree.

Though I still think something has to be said about practices that create larger holes for people who fall into this category.

Quote:
Sucks for your friend, but hopefully she'll learn from this. And I do hope she recovers from the mess.
She's learned a very valuable (expensive) lesson for sure.
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Old 01-30-2009, 09:17 PM   #65
RedNeckRaider RedNeckRaider is offline
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Originally Posted by KC Fish View Post
The quote you're referring to in his sig is from a very entertaining show called the Boondocks.



And what's it matter what color Jesus was? Does it give you comfort thinking he was white? Because it shouldn't matter.
Sorry I am old school, if you do not mean it do not say it. If you do back that weak ass shit up!
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Old 01-30-2009, 09:26 PM   #66
RedNeckRaider RedNeckRaider is offline
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Originally Posted by Micjones View Post
We've been over this. The creditor's actions are perfectly legal given the contract and the letter of the law.

I'm talking about the ethics of such predatory lending practices.
You're conveniently mum on that part of the issue.



1. My signature has nothing at all to do with the current topic.
2. You don't get the obvious reference.
3. I won't debate this with you here.
Mum my ass when I say I will do something I do it. I do not play the victim card. as far as your sig that is a joke and if you are not willing to back it up why would you put it out there? You have not a clue where I came from! Dirt floor poor son.
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Old 01-30-2009, 09:31 PM   #67
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Originally Posted by RedNeckRaider View Post
Sorry I am old school, if you do not mean it do not say it. If you do back that weak ass shit up!
Back the weak ass shit up? Why would you be offended here? If Jesus weren't white, would it make a difference to you? Do you think Jesus would want you to choose to follow Him for reasons such as sharing his skin color?

It really doesn't matter. It shouldn't matter. And 2000 years ago, the region from which Jesus came was strictly dominated by non-Caucasians. It's not at all unlikely that Jesus was dark skinned. And I don't care a bit if he was. If you believe in what He stood for, you wouldn't either.
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Old 01-30-2009, 09:34 PM   #68
Fairplay Fairplay is offline
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Originally Posted by Micjones View Post
Tell me about it. I worked for a signature loan company here in Kansas City a few years ago that was as predatory as anything I'd ever heard of.

People (mostly elderly) would come in and borrow something like $400 and be into this company for $1600 when it was all said and done.

There was a big expose' on this guy's business practices in The Pitch a couple years back.

Great commission checks, but I felt bad working there.
Damn, that is sad. I hate seeing people taken advantaged of. But in the end, it is the result of their own actions. What else can you say?
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Old 01-30-2009, 09:36 PM   #69
RedNeckRaider RedNeckRaider is offline
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Originally Posted by KC Fish View Post
Back the weak ass shit up? Why would you be offended here? If Jesus weren't white, would it make a difference to you? Do you think Jesus would want you to choose to follow Him for reasons such as sharing his skin color?

It really doesn't matter. It shouldn't matter. And 2000 years ago, the region from which Jesus came was strictly dominated by non-Caucasians. It's not at all unlikely that Jesus was dark skinned. And I don't care a bit if he was. If you believe in what He stood for, you wouldn't either.
As I said he was a person of color. But if I was to put in my sig he was (insert race here) I would back that weak ass shit up.
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Old 01-30-2009, 09:37 PM   #70
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Who would have thought a title loan was a bad deal?

And the truth shall set you free.
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Old 01-30-2009, 09:43 PM   #71
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As I said he was a person of color. But if I was to put in my sig he was (insert race here) I would back that weak ass shit up.
So "person of color" is OK as long as I don't specifically indicate which color? Race had nothing to do with it. Black isn't a race.
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Old 01-30-2009, 09:49 PM   #72
RedNeckRaider RedNeckRaider is offline
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So "person of color" is OK as long as I don't specifically indicate which color? Race had nothing to do with it. Black isn't a race.
I guess you are going for the high ground. Go ahead play the easy play. Gosh we would not want to take a stance as it may offend.
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Old 01-30-2009, 11:42 PM   #73
Skip Towne Skip Towne is offline
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I didn't even know what a "title loan" was until I opened this thread
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Old 01-31-2009, 12:56 AM   #74
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Praying on the elderly who can't pay for their medicine should not be legal
some people may be stupid for taking out these loans
just make sure your home and autos are locked when that 300% interest payment is due
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Old 01-31-2009, 12:57 AM   #75
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now that's some trickle down economics
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