When you are told to make a copy of a contract from the Internet and the company keeps one on file they should be identical. Well I received two contracts that are not the same as the one I downloaded and printed from the Internet. Mine has an extra page that is not included in the two copies I received from Enova and Enova International. That page states: "Name of person, please choose your preferred method of repayment below. Then, carefully read and sign your Line of Credit Agreement by entering the requested information."
This page also has on it
Youhave the option of making your payments via Electronic Debit or some other methods. If you prefer to pay by any means other than by ACH please check the second box 'Other' below. Failture to check the appropriate box below shall be deemed your affirmative agreement to make payments via Electronic Debit.
Electronic Debit--My account will automatically be debited on my due date. Box with word choose next to it. Other--I will make a payment by my due date using credit card, money order, Western Union, MoneyGram, cashier or personal check. Box with word choose next to it.
This page was not even shown with the application online and you don't see it until you have already sign the contract. So any contracts that are sent without this page are incomplete. Also they do not give you time to read the contract before signing, they tell you there's two sets of pages with a bunch of boxes that you need to check.
I have an Open-End Line of Credit with someone else and the APR is only 18% in Virginia. Also they only ask for a repayment of $77 a month to pay it off on a line of credit of $500 and the account is closed. The Better Business Bureua has now got over 148 complaints against these people on bad business collection practices. So I filed a complaint also with them and the Federal Trade Commission. Also I'm checking the FBI files for any reports on them as well and call my friend to do a follow up story on the news on TV about how deceptive the contracts are.