Victims of Fraud and Identity Theft – Think Cash and Payday Loan Customers

Beware – Scam and Fraud Alert for Present and Past Payday Loan Customers

Let’s face it, every once in a while, the average American may find him/herself in a financial bind. There are always the unexpected or unprepared for expense, like a medical emergency, car repair or busted air conditioning unit. Yes, life has a way of presenting us the sudden financial woe that was not included on our budget. It may be that payday is a mere week or month away and we find ourselves having to turn to a payday loan or cash advance lender. Most financial institutions strongly advise against these lenders due to their excessively high interest rates but oftentimes, when faced with extenuating circumstances, one has no other choice.

Unfortunately, there is now a more dangerous or sinister side to these cash advance loans. Customers of these lenders, have now become the target of scam artists.

A few years ago, I too had such an emergency and availed of a necessary cash advance, not withstanding the interest rates. Certainly, there are times when one is in a desperate situation and such lenders are readily available to provide a loan that one may not have otherwise been approved for, at a conventional bank or credit union. I was granted the loan, and had it repaid within a two month period. Months after, I received a telephone call from a gentleman with an accent, claiming that he represented Think Cash Loans and that my account had been in a negative standing and that there was in fact an unpaid balance. He insisted that I take care of the balance immediately, amounting to several hundred dollars. This individual was privy to my name, address, social security number and work information. Though I was certain that the debt had been repaid, having someone sound this convincing and credible did for a minute, create a substantial degree of doubt in my mind. I asked that he mail me an invoice. He asserted that my account was beyond written communication and that the matter could only be resolved with an immediate credit card payment. I refused to make any payment and subsequently informed the gentleman that I would have to further research my records to determine if there had been an oversight on my part.

Later, I did a search on the telephone number from which his call originated, only to find out, that others had received similar calls from that same number and that it was nothing but a scam seeking to swindle this company’s present and previous customers.

Maybe the most disturbing fact here, is that these persons are privy to very sensitive information. One may be led to wonder by what means is this information being accessed. Is this an inside job whereby the lender’s staff is selling customer information? Is it a hacking incident, where scammers are able to retrieve information on present or past loan customers? Regardless, Think Cash Loans needs to look into the matter of security and the buyer needs to BEWARE!! Did you know that there is a correct procedure to handling collections and collection calls?

A dear friend has unfortunately fallen prey to this scam. Sadly, after the person on the other side of the telephone line quoted her social security number, she gave her credit card information and now the rest is history. Maybe she can file a claim that it was a fraudulent transaction. Maybe she will get her money back, all nine hundred dollars of it, maybe she won’t. In the meanwhile there is an unscrupulous scam artist, somewhere out there, with her personal and banking information.

This article is by no means an attempt to defame the name of this lender or deface its character, but rather an attempt to alert the public to a very deceptive practice by scam artists to use “Think Cash Loans” and other cash advance lenders’ customers, as their next scamming target. This is to remind the reader to totally investigate any telephone request for unpaid balances. Take the time to contact the lender, regardless to the persistence of the caller and verify balances and claims that balances have been sent to collection agencies. If you have the slightest doubt, stop and check it out. Do not ever remit payments on the telephone unless you are absolutely certain of the one on the other line. Make no mistake, these individuals make quote your social security number!!! They will sound very legitimate. They will be threatening!! It is all up to us, the consumers, to stop and check the source of the call. It will only take a couple of minutes to contact the lending company, to determine whether or not there is in fact an unpaid balance.

The Department of Justice has a treasure load of information about different types of scams and hoaxes on its website. It also does well in defining identity theft and identity fraud. They have several examples of schemes and offer several tips on how to secure your identity and what to do in the event that it is compromised.

If you were unfortunate to fall victim to this or any scam, immediately report it to the police and contact the company the person claimed to be representing. You may need to alert your banking institution, cancel bank cards or accounts that you gave to the scammer. I strongly advise everyone reading this article to investigate the benefits of credit monitoring Some companies will for a reasonable and minimal fee, keep your credit screened for any enquiries or attempts to open new lines of credit. The peace of mind of having such a service, sometimes offering up to a million dollar guarantee is worth its weight in gold. The support that most reputable credit monitoring services offer, should the safety of your identity or the integrity of your credit be compromised, is immeasurable.

Be aware that there are many, many unscrupulous individuals out there, whose sole intent, is to prey on the weak. They will use any means necessary to get into your wallet. They are evil individuals who have absolutely no conscience. They will steal from babies and the aged without a shred of remorse. Let us be more aware that they are out there and take better precautions to safeguard our assets and our identities.

Save Money With Do-It-Yourself Car Maintenance

Regardless of whether the left headlight blew, the tire has a slow leak, or the brakes uncontrollably squeal, there is nothing worse than feeling the vulnerability of turning to a mechanic or auto repair center to solve your problems. Many times, mechanics sense your desperation and wish to take advantage of it, charging higher prices for a simple job. Then, there are the individuals who believe taking their car to the dealership for repairs will save them money, but they, too, provide an inflated price list.

When car owners take car maintenance into their own hands, the savings are often extremely beneficial. For starters, do-it-yourself car repair allows individuals to compare prices on the tools and car parts needed to complete a job. Many times, auto shops use products that they have bought at wholesale prices, but then increase the cost to customers. When repairing your own car, you will probably be more willing to seek out the deals on spark plugs, lights, and fuses in order to do the job for the least amount of money possible. You may also choose whether or not you want to purchase new or used car parts, which often costs considerably less.

The Top Do-It-Yourself Car Maintenance Jobs

There are numerous car maintenance jobs that drivers often tackle. Demanding only a small amount of supplies. Changing your own oil is a common maintenance activity that is rather easy to get the hang of. To make sure your automobile has an effective fuel system, learning how to change an air filter is also a helpful skill to possess. Sometimes a fuel filter will need replacing and many car owners have learned to complete this job as well.

Spark plugs should be replaced every two years and car owners will save money learning how to do this task on their own. Batteries should also be changed every four to five years. You don’t need a mechanic to handle battery problems. This job is completely easy to master. Additional car maintenance duties to consider includes replacing the disc brake pads, replacing drum brakes, working on the ignition coils, jump-starting a car and change your electric fuel pump.

Finding Resources to Help With Car Maintenance

When it comes to finding assistance with your car maintenance goals, there are plenty of resources that make these sorts of jobs much easier. One of the best places to start with involves a thick booklet you probably stuffed in the glove compartment: the car owner manual that came with your automobile. Depending on how long you have owned your vehicle, you may or may not still possess this publication.

If you have misplaced this booklet or it doesn’t clearly address your problems, you should get hold of a car book that is specific to your vehicle make and model. There are numerous approaches to consider, starting with purchasing one from an auto supply store, such as AutoZone or Pep Boys. Surfing the Internet for car repair websites is also a nice way to get the important details needed to fix a car. Depending on what type of site you visit, you may have to pay a fee to access various information.

To save money, car repair manuals can be taken out with a library card or photocopied from the library. These books are usually thick and heavy, filled with every aspect of car maintenance and repair. One of the most well known of car repair publications is the Chilton series of auto maintenance, which offers do-it-yourself help for cars ranging from Toyota Camrys to Ford Escorts.

When Not to Explore Car Maintenance

Beginner do-it-yourselfers may save a lot of money by learning how to change their own oil and oil filter, fix windshield wipers, and check the fluids. Tire maintenance, spark plugs, installing a car audio system, or even fixing a broken muffler are all reasonable jobs a non-professional can learn how to do. But larger jobs, such as installing a new alternator, some radiator and carburetor work, as well as engine and transmission repair might fall best into the hands of professional car repairers.

Although self-car maintenance is a real money-saver, you don’t want to place yourself in danger when repairing your vehicle. Some jobs require the knowledge of a professional to truly complete, so if repair instructions seem too difficult to grasp, you might have to surrender and pay a visit to the local auto shop.

Payday Loans For Bad Credit – A Solution For Good People With Urgent Financial Matters

Most people have run into a financial situation that requires urgent attention at one time or another. It might be an emergency car repair or a past due electric bill. Many of these people do not have a savings to draw from and do not have a favorable credit, making the options available to resolve financial emergencies very slim. Payday loans for bad credit can be a practical consideration for people facing this predicament.

The advertising slogan “Bad Credit? No Problem!” is plastered on almost every cash advance site on the web. The reason for that is… its true! “No credit check” is one thing that makes payday loans so tempting to so many people. You can put some much needed cash in your pocket and your creditors will never know, unless you default on the loan. Most cash advance lenders don’t even pull a credit report during the approval process. They consider stable employment and a verifiable income your credit.

A payday loan is a “cash advance” on your next paycheck, so in a sense it eliminates the need for a credit check to verify that you pay your bills on time. You’re obviously experiencing some form of financial difficulty or you would not be considering this type of short term loan. So, the difficult financial background that would be reflected on your credit report does not become a factor. Many lenders require payroll direct deposit for approval because it allows them to electronically retrieve their loan payment with more certainty and less chance of default.

The best part about getting a payday loan with no credit check is that you will not be punished for having financial issues in the past. That is, the same two people applying for the same loan amount will be charged the same rate regardless of their credit history. At some point in our lives, most of us have heard, “if your credit score was higher we could offer you a lower rate on your loan”. Those words will never be spoken when applying for an advance in your pay. Since a cash advance is meant for emergency money situations as opposed to long term loan payments, some of the factors that come into play for other types of loans are not even considered during the payday loan approval process.

Although your credit report is not usually taken into consideration during the approval stage of your cash advance, it may be factor if you default on your payday loan. Many payday loan companies report delinquencies to the credit bureaus. This reporting may lead to negative consequences on the accounts you have that take your credit score into consideration. The delinquent payday loan will usually be reported as “in collections,” or as an unrecoverable amount, and can stay on your credit report for seven years.

It’s important to be smart and responsible when obtaining a cash advance. Only borrow what you absolutely need and budget your money so repayment will not put you further behind. Try to leave a cushion for your daily expenses on the week your loan comes due. Many people are already facing dire straits when applying for a payday loan, but you cannot get caught up in the ease of getting the loan. Taking out multiple payday loans or borrowing a higher amount than you actually need simply because it is available to you is unwise. You must be conscientious about your budget and do your best to make good use of your cash advance without putting yourself in a worse financial position.

Most people encounter a financial emergency at one time or another and many of these people have had a difficult financial history. That much is understood in the short term lending business. A good person can have bad credit and still have the need for a payday loan to help them pay an overdue electricity bill. That is why short term lending companies offer you a quick and easy cash advance with no credit checks. In return for that convenience, you agree to pay the loan on your next pay date. It really is that simple if you borrow only what you can afford to payback.

Car Title Loans For When Your Car Breaks Down

We all know how it feels, when your car just does not sound right and you know you need to bring it into the shop, but you fear what the mechanic will say. If only you had the money, you would buy a new car. If only you had the money, to fix your car, or get that new transmission the mechanic said you needed…

These days, most people are opting to fix their cars instead of buying new ones, because it’s less expensive and just makes sense in this economic environment. You would think since you own this car, fixing it is definitely cheaper than buying a new one, but auto repairs can be very expensive. And if you have bad credit, where are you going to get the money to cover all of the mechanic’s bills?

Here’s an idea you may have over looked – car title loans. With title loans, you can apply easily and all you need to do is have a clear title on your vehicle. That way you can use the equity you have in your car as collateral to secure the loan. If you can apply online, the lender will not know if the car is running or not.

Car title loans are often used to help people pay for emergency repairs to vehicles. Before you apply for the loan, get an estimate on the repairs so you know just how much you need to cover all the costs. Then fill out the application online. It’s quick and easy and you shouldn’t take long to find out if you’re approved.

The lender will run a credit check, but you can get approved whether you have good credit or not. The loan amount will be for a percentage of the value of the car. But remember if you fail to make payments, the lender can repossess the vehicle.

This type of loan is a secured loan so you won’t be subjected to those insanely high rates of the unsecured variety. Once your car is fixed, you get to keep the car while you pay off the loan. So, you don’t have to rely on others for transportation. Because your car is so important for getting to jobs or interviews, you’ve got to keep it in good working condition. Just because you have to drive an old car doesn’t mean it has to look it.

Get enough cash from car title loans to not only fix what’s broken, but give it a shiny new paint job as well. Change the color, give it some character. It’ll be like having a new car without the new car payment. Depending on how much you borrowed, you can have it paid for in two years or less.

Car title loans are great for those emergency situations when you need fast cash. When you’re car goes kaput, don’t give up on it. Apply for car title loans, get it fixed and get back on the fast track in no time. You can’t afford not to.

How Easy Online Payday Loans Saved My Life!

It may be hard to believe, but easy online payday loans did in fact save my life. I'm sure there are other stories out there similar to mine, but this one is definitely an eye opener – as it shows what can happen when simply "waiting" for your next paycheck.

A few weeks ago, my car broke down and I was left without transportation. This was terrible because I, like most people, rely on my car to get to & from work. I did not have any money saved and it turned out that I needed some major work done on the car – it's the price I pay for not paying enough attention to my automobile.

I had but 2 options to choose from: hitch a ride from a friend & co-worker whom lived in the opposite direction of my job & home, OR borrow the money from somewhere and take care of the repairs immediately. Like most would do, I simply decided to wait until my next payday to take care of the repairs and have my friend cart me from & to work.

When he pulled up the first day, I was already feeling guilty, especially considering that he was going WAY out of his usual routine just to pick me up. That guilt only increased when he told me he was up an hour earlier than usual in order to pick me up. Suffice it to say, I was feeling pretty bad and decided that this was going to work out for an entire week.

That following afternoon, after I got off work, I started looking into payday cash advances and short term fast cash loans. It turned out that I could apply and have the money I needed within just a few hours. Like most, I was a bit skeptical and decided not to be "suckered" into this likely scam too quickly. Rather than just believe what I read, I did a bit of research and found out that these same day cash advances weren't scams at all and they actually help a lot of people all over the world.

In all honesty, I was blown away at how virtually anyone could apply for one of these loans within minutes – all they needed to have was a valid social security number, a checking account, and a job.

After discovering this, I started my search for a payday lender and found one in less than 10 minutes. I applied online for a loan of $ 500 and was approved in under an hour! I was then told that the money would be deposited into my checking account within a few hours and I would be able to use it that same day, if not the next morning. With this news, I called up a local car repair service and had them tow the car down to their shop and repair it. A few hours later, the car was completely repaired and I was handed a bill for $ 446.84 – which was just shy of my $ 500 loan. I wrote them a posted-dated check for the following day, thanked them for the repairs, and then I DROVE my car home.

How did this loan save my life? Well, you're about to find out …..

Just 2 days later, my friend – the one that was driving me to & from work – was killed in a horrendous, freak car accident. What happened was a huge semi truck plowed into the PASSENGER side of his compact car and he was killed instantly. Had my vehicle not been repaired, I would have been in the car with him at the time of the accident. Hence, I wouldn't be telling you this story right now.

Automotive Repair Equipment Financing

The very competitive automotive repair industry depends highly on sophisticated equipment which is very expensive. Automotive repair equipments like hydraulic lifts, alignment equipment etc play a vital role in the business operations of this industry. Although expensive, they are indispensable in various repair services. Therefore automotive repair equipment financing is assuming greater importance in the automotive repair industry.

The traditional lending institutions may not be willing to finance sophisticated automotive repair equipment due to their unique nature. However, there are a few genuine financing companies which understand your needs and requirements. They offer financial assistance under various categories and at better interest rates.

Commercial car wash requires lot of equipment and so an automotive repair industry needs to be equipped with all the essential equipments for the same purpose. Automatic car wash, In-bay car wash system, vacuum system etc are some of the sophisticated equipment required in car wash processes. But they are quite pricey especially in case of multiple car washes. Therefore, one can acquire the sophisticated equipments through automotive repair equipment financing.

Tire changer is another important component of any automotive repair shop. Nowadays people are particular about the tires they use and thus excellent tire changer equipment is indispensable for satisfying the customers. Automatic tire changer, PAX tire changer, manual tire changer are some of the equipments available in the market. They can be expensive and so the automotive shops need to look for automotive repair financing.

Auto body equipment plays a crucial role in making a wrecked vehicle to useful. This work however involves full line of auto body equipments like straightening equipment, painting bays and so on. In case they have to be worked on various types of vehicles, a full line of auto body equipment can be quite expensive. In such cases the help of automotive repair financing is much required.

Wheel balancer is another vital tool in an automotive repair shop which helps in assessing the potential problems in the wheel, quickly and accurate. Therefore this equipment helps in providing improved customer service. But the cost of wheel balancer is high and so wheel balancer financing provided by some reliable financing companies is essential.

Wheel alignment equipment is another valuable tool in an automotive repair shop. It saves time and helps the mechanic in easy and quick assessment and repair in any vehicle's wheel alignment. Though essential, they are quite costlier and so many repair shops are not able to afford it. However automotive repair equipment financing provides valuable service to repair shops to acquire these essential tools.

A frame machine in an automotive shop helps to provide life even to severely damaged vehicle. It is also quite expensive, but some valid financing companies offer easy financial assistance to acquire a frame machine.

Automotive repair equipment financing therefore helps almost all automotive shop owners to acquire the valuable automotive repair tools. The financing companies provide straight forward approach in offering financial help. They provide fast approval with minimum application process. Even an online application is enough to get financial help from them. These companies offer help at better terms so that owners can pay their bills in low easy monthly installments.

Car Repair Loans – Do They Exist?

Car repairs are expensive. While the initial cost of a car might not be that much, bringing that same car to the mechanic can easily empty your bank account. Hundreds of people lose money every day due to a car that doesn’t work properly. If you rely upon your car to get to work, to pick up your children, and to simply get around town, you know how important your vehicle really is. But, what can you do if you just can’t afford to pay for those pricey car repairs?

Have you considered applying for a car repair loan? That’s right – car repair loans do exist. These loans are reserved exclusively for those that cannot pay for car repairs up front. While traditional lenders might provide loans to those with stellar credit, these lenders hardly every approve any kind of loan for those with poor credit. If your credit report isn’t something that you are proud of, you can take solace in knowing that there are private lenders out there that will approve a car repair loan for you – no matter what your credit report might look like.

How does this type of loan work? While customary lenders will base your loan entirely upon your credit history, other private lenders will base a loan only upon your assets. This means that your bad credit report doesn’t matter at all. All you need to have is some form of steady income, a car that’s less than eight years old, car insurance, and a clear car title. Car repair loans through bad credit lenders are the easiest and most efficient way to fix your vehicle. Car owners with no credit, bad credit, and a history of bankruptcy can gain a specific car repair loan. This type of loan is also perfect for truck drivers.

Car repairs might cost a lot, but repairing a large truck is another kind of expense altogether. If your rig needs major alterations, don’t skip another day of work. There are lots of loads out there that you might be missing out on if your truck doesn’t work properly. Still, finding the money to repair a large truck might seem like an impossible feat. If you are stuck in this situation, you should know that car repair loans can apply to you as well – regardless of your credit history.

You’ll also be happy to know that paying back this kind of loan is also easily attainable. Monthly payments will always be well within your budget, and you’ll find those repayment terms easy to follow. Why should your credit report prevent you from getting where you need to go? It shouldn’t. Instead, apply for your car repair loan online right now. Within moments, you should be approved for that loan that you so desperately need. Why put your life on hold due to car repairs? Instead of trying to scrape together the money for those large car or truck repairs, sign up for an Auto Title Loan… and get your life back in motion.