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You're saying that these places do their due diligence and only offer what people can afford, and you claim to have had a hand in setting one up. I on the other hand have a spouse that worked for Check into Cash. So, I'd really be interested in what you think due diligence is for these places.
You're saying that these places do their due diligence and only offer what people can afford, and you claim to have had a hand in setting one up. I on the other hand have a spouse that worked for Check into Cash. So, I'd really be interested in what you think due diligence is for these places.
Well, if it's about me, then you're in the wrong place.
You have to have verifiable income. You have to have a bank account. You have to be over 18. You have to be a real person. Are you saying that they're loaning money to people who don't exist?
Cephus said:They all have to verify employment and income and make good decisions on who to give money to and who to send packing. Do you honestly think they give any amount of money to any idiot that walks in the door?
I'll grant that you accepted personal responsibility for past mistakes, and that's rare for a conservative to do publicly. Good on you for it.
You (all of you) just need to tell your elected officials to do the same.
Verifying income consists of bringing in the most recent paystub. They don't call your work or anything. So, what I am saying is what I outlined before...you have a person that makes a take home, or net pay of $300 per week, they borrow $500 with a payback in two weeks of $575. Now Tres already alluded to her thinking that was just fine... I am saying that you can't take all but $25 of a persons income and think that is ok...You have got to know that these people are living paycheck to paycheck, and if you take all of their pay, they can't pay other bills, and will likely default on you, at which time you just deposit their check which bounces and costs them more fees they don't have...
I think that a limit of 50% of take home pay is plenty to borrow and have to give up in two weeks...This isn't supposed to be a long term arrangement right?
Oh yes they do. If they don't, they're idiots and deserve to be ripped off. Anyone can print a pay stub. Anyone can get fired from their job and take in their last pay stub. If the company your wife worked for didn't call every single reference, the landlord and the employer before handing over a single red cent, they're morons.
What is it you'd like elected officials to bear their soul on to you?
I'll have to ask her when she gets home, but I don't think they did....
Verifying income consists of bringing in the most recent paystub. They don't call your work or anything. So, what I am saying is what I outlined before...you have a person that makes a take home, or net pay of $300 per week, they borrow $500 with a payback in two weeks of $575. Now Tres already alluded to her thinking that was just fine... I am saying that you can't take all but $25 of a persons income and think that is ok...You have got to know that these people are living paycheck to paycheck, and if you take all of their pay, they can't pay other bills, and will likely default on you, at which time you just deposit their check which bounces and costs them more fees they don't have...
I think that a limit of 50% of take home pay is plenty to borrow and have to give up in two weeks...This isn't supposed to be a long term arrangement right?
conservatives of your ilk seem unsatisfied trying to tell us what to do with our bodies, now you want to tell us what we can and cannot do with our moneyVerifying income consists of bringing in the most recent paystub. They don't call your work or anything. So, what I am saying is what I outlined before...you have a person that makes a take home, or net pay of $300 per week, they borrow $500 with a payback in two weeks of $575. Now Tres already alluded to her thinking that was just fine... I am saying that you can't take all but $25 of a persons income and think that is ok...You have got to know that these people are living paycheck to paycheck, and if you take all of their pay, they can't pay other bills, and will likely default on you, at which time you just deposit their check which bounces and costs them more fees they don't have...
I think that a limit of 50% of take home pay is plenty to borrow and have to give up in two weeks...This isn't supposed to be a long term arrangement right?
If $575 of that $600 for that 2 weeks is supposed to pay for the rent, they often need it before their employer gives it to them - or they get evicted.
And I don't know that the problem is that people are asking for payday loans for every red cent of their paychecks anyway. But even if they are, they're already in big trouble. Bad credit, overextended, etc. If the car breaks down and they need $500 to repair it, what should they do?
Owning up to their mistakes, and proposing how to solve the problems caused by their mistakes, is plenty for me.
(As it is now, they just try to blame the other side for the problems they caused.)
Most of them do verify your employment now, j.
conservatives of your ilk seem unsatisfied trying to tell us what to do with our bodies, now you want to tell us what we can and cannot do with our money
That's the problem. I've asked for other solutions and none of these people have any. Some are honest about it, lots of others just pretend the question was never asked. What they're essentially doing is taking the only workable solution we currently have, telling the poor that they can't have it, replacing it with nothing better, and pretending they're doing the poor a favor.
I bet they never asked the poor.
Ok, So you want politicians to come out and just give their opposition ammunition to defeat them...Yeah, I am thinking that is NEVER going to happen.
Voters are going to be much more inclined to forgive mistakes that aren't covered up or blamed on someone else.
And People have tried to talk to you about it, but instead of having a conversation, you just want people to say you're right....ah well, I don't care anymore.
I guess you asked your wife and she told you that you were wrong, huh?
No, as I told Tres earlier...No one at the employer is called to verify anything about these people...They simply require that you provide you latest paystub. That is their verification.
Yeah, well, you're kidding yourself if you think that a politician is going to get up and admit any kind of mistakes that will be used against them.
If that's what you expect from them, that's how they'll behave.
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