• Report: #1099333
Complaint Review:

1800 Loan Mart

  • Submitted: Thu, November 14, 2013
  • Updated: Thu, February 09, 2017

  • Reported By: Travis — Palo Alto California
1800 Loan Mart
15821 Ventura Blvd, Suite 280 Encino, California USA

1800 Loan Mart Cora in Collections Nasty, Idignant, Disrepectful, Condescending Encino California

*Consumer Comment: You can try

*Author of original report: Yeah Right

*Consumer Comment: You must be an expert then...

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At first 1800 Loan Mart was very polite. I missed one payment and became the scum of the earth to them.

When I was on the phone with them the collections lady Cora became VERY agitated that I overheard her phone conversation. When I told her I had overheard the conversation she told me I was talking down to her and wouldn't let me say anything.

She wanted to start repo proeceedings after ONE missed payment.

Then she told me to 'call back when I calmed down'. I should be shot for falling for this even though I had missed a payment.

NO OTHER lender starts collection activity after a missed payment. NO ONE.


This report was posted on Ripoff Report on 11/14/2013 01:42 PM and is a permanent record located here: http://www.ripoffreport.com/reports/1800-loan-mart/encino-california-91436/1800-loan-mart-cora-in-collections-nasty-idignant-disrepectful-condescending-encino-c-1099333. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

You can try

AUTHOR: Robert - ()

You can try to convince yourself that they are wrong..but it doesn't make it so.

You stated that no creditor starts collection activities after 1 missed payment..you specifically emphisized "NO ONE".  The only way you can legitimatly make this statement is if YOU from personal experience have stiffed creditors in the past and they did not start collection activtivies after 1 payment.  So were you just making that statement up to try and make your "ripoff" sound better or is this from personal experience?   In addition to that if it is from personal experience you never answered the question as to how many payments must a creditor wait before they start to attempt to collect on the missing payments?

As for your credit, you are with a SUB-PRIME lender that provides High-Interest title loan.  Their are really only two reasons you would be with them.  You are just plain stupid, or you have a poor credit history and can not get credit through more regular sources(even some of the worst CC's have better terms than a title loan).  If it is the former well can't do much about that.  But if it is the later, it is that poor history that means that you have had a history of stiffing creditors as such no "regular" creditor is willing to take a risk on you anymore.  As a result you ended up with a Sub-Prime lender who yes is going to keep a much tighter reign on you to make sure that they get their money back. 

Just remember that YOU agreed to the terms, and I can guarantee you that there was nothing in the terms that said you could make the payments on your schedule.  If you didn't like these terms then you have every opportunity to walk away.

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#2 Author of original report

Yeah Right

AUTHOR: Travis - ()

You weren't there I was!1 So don't come at me when your lack of knowledge and judgement. I was TWO days late with a payment and for YOUR information I don't stiff creditors. So before you play keyboard gangster you need to make sure YOU have all your ducks in a row.  Be gone!!

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#3 Consumer Comment

You must be an expert then...

AUTHOR: Robert - ()

 NO OTHER lender starts collection activity after a missed payment. NO ONE.

- You must be speaking from personal experience.  So tell us how many payments have your other creditors let you stiff them on before they start collection activitites?  2 Payments?  3 Payments?  Or do they just ignore you knowing that someday in the near or distant future you may grace them with at least a partial payment of the money you borrowed.

You see this obvious vast experience you have with stiffing creditors is exactly why you ended up getting a sub-prime title loan.  Because no other creditor is willing to take a chance on you because you have not proven you have even the remotest capability of handling credit.

But if you think they are bad for just threating reposession for a missed payment.  Wait until you go to the next lender who not only threatens but follows through.  Or you may get lucky.  You may find a creditor who won't reposess your vehicle, they will just disable the starter after you have become 3 days late and then keep it disabled until you pay.

 

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