Loanmax Title Loans Misleading deceptive complicated predatory Colonial Heights Virginia

Loanmax is not a scam.  However, it is a high interest way to borrow money.  I was completely explained the process and fees involved by the employee prior to taking out the loan.  I was aware of the interest I would pay and any fees involved if I would have to refinance my loan.  It's not an ideal way to borrow the money.  Listen to what they tell you and read the contract.  It's all in it.

I have a hard time being that you are not associated with the company after reading your response. Either way, I'm sure you will claim you arent, and gf arts truly the case, it does make you pretty pathetic. If you have no relation to the company and are so "clean and clear" with your credit, then why are you on a thread about title loans ripping some frustrated person to shreds? 

 Because it would save you from "mistakes" like this in the future.

If you factually read my whole post and stop twisting it around into what you want to read, you would have understood better.

- Okay here are the facts as you presented them.

You got this title loan in October 2012.

Within a few months of having this loan you have already been late twice.

You had a credit "history" that basically made a high interest, no credit check loan your only option.

Did I mis-catagorize or "twist" these facts in any way? 

Because you can say that we don't know the reasons you had to go with them..but guess what.  It doesn't matter you are not going to find a loan company that looks at the "reasons".  If you have been late, declared Bankruptcy, have collection accounts.  They don't care that if it was because you didn't just want to pay, you lost your job, or you some other "excuse".  They just care if you fulfilled your previous obligations.

You see..if you REALLY wanted to learn something instead of stating...

But if I did need another tittle loan, I can tell you that it would definitely not be through "LoanMax Title Loans".

You would have stated....

I am going to work on my credit so I NEVER need another tittle loan.

Do you see the difference?  Because as I stated..NO other Title Loan company would treat you any differently.

Thanks for understanding. I am sorry to hear that your friend got their car repo'd for being 1 day late, that's crazy!

My credit went south when I lost a job in 2008, back when the economy first went sour. I am still in the process of rebuilding it. Now I wasn't doing stupid things with my money, i was living lime a normal Person and had some credit lines with a balance just like mist people. When you suddenly get your income cut in half, it's obvious to see what happens. Thanks again for being understanding, unlike the ottroll hateful trolls who posted. They'll get what's coming to them; they must be real "winners" to snub noses on an Internet message board at someone who's basically just been through some rough times. They'll have their own rough times, and whether those times are financial or not, I hope the worst on them. 

I am not reading any new rebuttals. Sorry trolls, go look for food elsewhere and try to get a life while you're at it.

I am not reading any new rebuttals. Sorry trolls, go look for droid elsewhere and try to get a life while you're at it.

Here's the same thing I posted to the other troll who's riding a high horse:

"Wow, you sound like you think your s**t doesn't stink. Get a life outside of "throwing stones" at people online. It's none of your business why I had to get a tittle loan. Shut your mouth unless you're perfect, which I know you are not. By the way, I'm sure you've never inadvertently been a few days late on a single bill in your life. Anyways, since you're "splitting hairs" and dissecting the wordigf of my original post, let me explain this: I called thlaser cent $625 payment my "last payment" because after months of paying $625, the last $100 is a joke, and will obviously be payed on time. I didn't owe you an explanation, but there you go. Get a life and realize the your "s**t" does, in fact, stink."

If you factually read my whole post and stop twisting it around into what you want to read, you would have understood better. First of all, I didn't say I earned "gold stars" by paying $1100 one month. I obviously stated that I paid over just to get more money directly off the principle; get some reading comprehension skills. 

Second, you have no idea who I am or what my story is as to why I needed to turn to a tile loan. If I have less credit than someone else, then so what? That doesn't make me any less of a person than anyone else. 

I honestly expectEd a rebuttal from a loanmax employee, not some random troll on a high horse. Get A life. 

Wow, you sound like you think your s**t doesn't stink. Get a life outside of "throwing stones" at people online. It's none of your business why I had to get a tittle loan. Shut your mouth unless you're perfect, which I know you are not. By the way, I'm sure you've never inadvertently been a few days late on a single bill in your life. Anyways, since you're "splitting hairs" and dissecting the wordigf of my original post, let me explain this: I called thlaser cent $625 payment my "last payment" because after months of paying $625, the last $100 is a joke, and will obviously be payed on time. I didn't owe you an explanation, but there you go. Get a life and realize the your "s**t" does, in fact, stink. 

 They know you need the money once you walk into the store. If you could have gotten the funds elsewhere you would have. Every customer that walks through thier doors is just the next sucker to get fleeced. They do this because you CANT get cash from more reputable sources. Because of the financial situation you are in you pretty much told them "please take my car".

A freind of mine had a title loan a few years back. They treated him like s**t. They even took his car when he was one day late on payments. Now he wasnt as nice as you were and called the CS number to setup a late payment. He was stupid in even taking out the title loan. Most times its easier in the long run to just try and suffer through whatever financial crisis you are facing then going with a title loan company.

Good luck in the future and I certainly hope you never have to use a service such as thiers ever again.

FYI: Try building your credit up by getting a secured credit card through a reputable banking institution. After a period of time they change your card to "unsecure" and give you a credit limit.

"I know what I agreed to."

Yet you called them crooks for holding you to the terms of the loan.

"'we work with people who fall behind in their payments' etc. I HARDLY consider being just a few days late TWICE during my loan to even be considered falling behind"

They did work with you by letting you keep your car even though you defaulted on the loan twice. I suppose you probably don't consider that to be default because you don't consider late payments as falling behind on the loan. As a previous commenter pointed out, we now know why you turned to a subprime lender.

"this is basically my last payment, this would leave only $100 left on the whole loan... if I did not make the full payment that same day, they would have taken my car on my last payment"

Two times you wrote that the last $625 was your final payment but you also stated that you still owed $100, so the $625 was not your final payment. You are unwilling to see reality and until you change your attitude you will never become financially responsible.

I agree with your claim that their terms are outrageous but they are in the business of lending money to high-risk borrowers with a poor payment history.

I HARDLY consider being just a few days late TWICE during my loan to even be considered falling behind, or something that warranted the kind of treatment I got

- And that Sub-Prime Attitude is exactly why you can't get a regular loan and had to get a Title Loan.  You got the loan in October of 2012 and within just a few months you were already late twice..wow what a great track history.

You "had" to get a title loan because you have not proven you can handle credit, and with the above statement it seems that fact is very obvious.  You also knew EXACTLY what you were getting into with the Interest rate and terms. Yet you still agreed to the loan.  As part of the agreement for them loaning you several thousand dollars, you agreed to pay them on specific dates for a specific amount of time with a specific amount of money.  If you failed to do that they have the legal right to repoess your car.

So sorry..you can't turn around when you fail to fulfill your end and they try to enforce their end and claim that they are trying to rip you off. Oh and before you try to bring it up..paying "extra" one month doesn't get you any extra "Gold Stars" or credit toward being late in future payments..it just as you said reduces your overall balance and therfore the interest you would pay.

But if I did need another tittle loan, I can tell you that it would definitely not be through "LoanMax Title Loans".

- And you really think that any other Title Loan place would treat you any differently?

Oh and sorry but I do not work for this company or any TitleLoan or finance company for that matter.