Posts Tagged ‘Money’

Payday Money Advance Loan Is This Fast Cash Method Wise For College Kids?

May 11th, 2010


Sometimes student loans just are not enough to live comfortably and many students are looking towards a payday money advance loan to get fast money. As a soon to be college graduate, I’m completely mindful of how expensive university living can be and for many college kids this is the 1st time in their lives where they need to fully support themselves. With books, lease, food, and additional curricular costs, college kids have to firmly manage their budget to get by. If you’ve got a part-time job and still do not have enough money to live easily then you may want to think about getting a payday money advance loan. Pay day banks will lend anywhere from $100 – $1500 and can often deposited your requested funds right into your account inside twenty-four hours of filling out a web application. A payday money advance loan is a short-term advance that is meant to get folks fast cash when they’re experiencing short term money flow issues. They shouldn’t be taken out as a general practice however they’re really convenient methodology in getting fast cash thru a short-term loan. In order to be accepted for a pay day money advance most bonafide banks will need some conditions. You have to be now employed or have a source of revenue like an outstanding student loan, you have to have an active checking / deposit account, be at least eighteen years of age, and a US voter. So long as you meet these conditions you’ll be eligible for the short term loan. If are fighting to pay your debts

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Should we pay our daughter again, for money she lent us, but we already paid, and she now claims we didn’t?

April 30th, 2010

Back in 2002, my husband and I both lost our jobs, and got close to loosing our home. When our oldest daughter found out (she was only 16), she freely, and on her own, offered us her savings (she was saving for a car) of $2000. We very reluctantly accepted it, and it saved our home. Since we never quite recovered from the financial set back, we eventually gave her my truck, which she still drives, as it was and is in excellent condition. The truck was worth a whole lot more then just $2000. We told her that it was in lieu of the money, and she was happy with that. Well, now she is married. Two years ago, her grandmother found out that we had borrowed our daughters savings. But our daughter did not tell her that we gave her our truck in exchange. So grandmother wrote our daughter, married by then, that she wanted to pay off the $2000 she had let us borrow. She then began sending our daughter a monthly check, till the amount was paid off. Our daughter told her that she was using it for college, which she actually did not do.

Now, about a year ago, my husband got arrested for a really stupid traffic violation, which was eventually thrown out of court. In order for him not to loose his job, our daughter and son in law put up $280 for bail. (I’m disabled with a very tiny income) To this day, we are barley scraping by.

Over the past year, I gave our daughter several smaller payments towards this, usually when she took me grocery shopping. She promptly spent the money I gave her, and I did not ask for a receipt, as after all she was our daughter.

Fast forward… her bio. mom and step dad told lies about me.. etc. etc. and she has now told my husband that I’m dead to her. Her bio. mom was not part of her entire life, and now finally reappeared since she no longer is getting chased by child support enforcement. She stuck my husband for over $55,000 back child support, not one cent of her share of medical bill for both children. Anyhow…. long story

Now, all of a sudden, our son in law is demanding that we pay him back the $280, which we really just don’t have. I told him that I gave her a bunch of little payments, and it was totally paid back. But our daughter is now saying she didn’t get anything at all and that I’m telling a lie for saying that she got paid back.

So, our daughter got paid twice for a one time $2000 loan, and got a bunch of little payment totaling to over $300, for which we did not think we needed a receipt, for a one time loan of $280

Do you think that we should pay them again, after all that they already got back? We are barely scraping by each month as is.

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EARNEST MONEY: the buyers couldn’t obtain the loan (bc they didn’t have SS#) How do we keep the earnest money?

March 17th, 2010

What is the name of your state (only U.S. law)? Tennessee

Hi, We have been trying to sell our home for the past 3 months, 2 months ago, we had an offer from a hispanic family with Su Casa Century 21 Realty representing them. We accepted their offer and they said they wouldn’t be able to close for another month because the loan may take a while. Because they are illegally in the United States, it was going to be harder for them to obtain the loan. HOWEVER, the home seller ASSURED us he was a legal immigrant and had the proper documents and a social security number, THEREFORE, we agreed on their offer. In the meantime (1 month before the closing date) we had numerous interested buyers that loved the house, and wanted to make an offer, but we turned them down because we RELIED on these buyers to buy the house. A month later come closing time, we get a call from the lawyer’s office saying they’re not ready to close. Then on, we try calling the realtor almost EVERY SINGLE day, without getting a response. We just wanted a reply. We wanted to know what was the issue etc. The realtor doesn’t speak much english either, and whenever I’d call the office a REALLY rude lady would answer the phone and inform us that she’s not there and she’ll call back, but we’ve NEVER got a phone call from the actual realtor, she did actually email us telling us, because the home buyers couldn’t afford the house, bc they weren’t able to get the originally loan offer they wanted (they actually ended up having to pay a higher interest rate, and they “couldn’t afford it”) they would receive the earnest money back. An acquaintance of mine’s father is a lawyer, and i talked to her. she told me that the buyer NEVER gets the earnest money back. She suggested that we sue them for breach of contract. She said because we RELIED on their buying the house to pay for the mortgage, we should sue them and get the lawyer fees, earnest money, and detrimental damage back. My question is, Is this really true? what kind of action should we take? I’ve called the realtor’s office countless times, and the lady that answers the phone has ALWAYS been EXTREMELY rude and told me to have our lawyer contact them. WHAT SHOULD WE DO!?!
P.S the lawyer friend of mine said we could sue the buyers for breach of contract, and attach SU CASA REALTY CENTURY 21 onto the lawsuit so if the buyers decide to flee the country, Century 21 would have to assume the responsibilities. Is that right??

ALSO: Can I report this to the Better Business Bureau?

THANK YOU SO MUCH FOR YOUR HELP!
to reply to Kemkerk: we did NOT know they were illegal, we only found out AFTER they backed out that they were illegal. We were ASSURED by the buyers they were legal citizens!

Othniel: We were For Sale By Owner, but we did have a friend of my mom’s who’s a realtor’s help!

WE REALLY Relied on these buyers to pay for the house, we already bought a new house, we’re paying mortgage on BOTH houses right now and it’s REALLY hard on us. Is there ANY WAY we can be compensated for our time investment and the potential buyers we lost in the process?

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uk bankrupcy law: I lent brother money, he paid me back, went bankrupt, now i have to pay it back?

March 9th, 2010

I lent my brother £2000.
He got out a loan specifically to repay his debts, and he paid me back.
5 months later he went bankrupt.
one year later I recieved a letter saying that I must pay back the £2000 to the banckrupcy reciever as by paying me back within 6 months prior of going banckrupt it showed a preference payment and that the £2000 must be given back to the loan company.
I have 7 days to pay it back or they start court proceedings.
1. I don’t see how a loan company can lend someone money on the understanding it is to get rid of someones debts and then I who have nothing to do with the loan have to pay it back.
2.If they are legally entitled to my money, is there not a time limit between how long the banckrupcy people have to request the money back from me. As it is taken them a year to ak for the money back and i no longer have it.

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Cash Pay Day Loans: Quick Money for Emergency

January 24th, 2010

Cash pay day loans come in very handy when you are in a financial dump having exhausted your paycheck and not having any savings in your bank. If you have to meet some medical emergency of your family or if you must pay some outstanding bills immediately, you will have to look for financial help and at such a stage, cash pay day loans can prove to be a quick alternative for instant money. You will be able to meet your financial emergency and pay back the loan when you get your next paycheck.


How Do Pay Day Loans Work?


Cash pay day loans are short-term loans designed to help you go through your difficult period in between your paydays. The normal duration of the payday loan is usually a couple of weeks until you get your next paycheck. The amount of the cash advance is usually very small but it depends upon your monthly income and some other factors. Usually a first time borrower would be offered $500 but this amount can also go up to $1000 or $1500 depending upon various factors.


You are expected to repay the cash pay day loans along with the interest and finance charges of the lender on your next payday. If due to circumstances beyond your control you are unable to do so, you can ask the lender for a rollover of the loan and pay it back on your next payday. However, this will prove to be a very expensive proposition as the lender will impose high finance charges in addition to the already high interest rate that they are charging. It is therefore, in your interest to borrow only that much amount that you can conveniently return on the scheduled date.


Application Process and Time Involved


If you are applying online, you just have to fill up a simple application form and provide details regarding your employment and checking bank account. Some lenders might ask you to fax documentary evidence of the loan whereas others do not need it. The time required for approving cash pay day loans is a matter of minutes or at most an hour and the money will be deposited in your checking account on the next working day.


Searching for Reputable Lenders


Payday loan industry is one of the fastest growing businesses in the US as well as some other countries such as UK, Australia, and Canada. This leads to an acceleration of payday lenders who can be found in the Internet, newspaper, television, or radio. Even though it is relatively easy to choose a lender you should spend fair bit of time to research and compare several companies in order to get cheap interest rate, fast approval process, and easy repayment.

Click here to compare payday loan companies easily online. Using online application for payday loans you can get fast money in less than 24 hours.

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