Adam Smith (ez.cashloans@hotmail.com) owe loan that i never borrowed LA CALIFORINIA

 HERE IS A COPY OF EMAIL

 

Dorean Harris                                                                                     

Account# SNR-(((redacted)))                                                 

 

Dear Dorean,

We are notifying you regarding your loan with EZ CASH Loans. In the Event that you fail to voluntary satisfy our requirements for payment of your debts to EZ CASH Loans, we will have to turn to the court with the purpose of enforced collection of the debt, which may entail additional expenses for you, for example, the expenses in the amount of state duty, the cost of representative’s services for the compearance, the compensatory interest for the use on detention of money for each day of delay, attorney’s fees, court fees and the execution fee.

Please refer to the file attached with this email for all the brief information regarding this outstanding debt. The attached file is a digitally signed consumer loan agreement between you and the company. Please read all the terms and conditions for the better understanding. If you wish to pay the Loan in Full, or make a Principal Payment in addition to your fees and interest due, please contact us back through email as soon as possible. 
We do value your business, so if there is an error on our part and payment has been made, please contact us immediately so that the matter can be rectified. 

Otherwise, if there is a problem paying this invoice, please contact us so that an alternative arrangement for payment can be made.

 

Regards,

 

Adam Smith

 

http://www.ezpaydaycash.net/

 

EZ CASH Loans

 

 

 

 

This communication is confidential and may contain privileged material.  If you are not the intended recipient you must not use, disclose copy or retain it.  If you have received it in error please immediately notify me by return email and delete the emails.

 

PROPOSED AGREEMENT-FAKE

Loan# SNR-87542649                                                                                            Date: March 15, 2013

 

BORROWER

 

Name: DOREAN HARRIS

 

Social Security Number: (((redacted)))

 

Address: (((redacted)))

 

City: RALEIGH

 

State: NC 

 

Zip Code: 27613

 

Phone# (((redacted)))

 

LENDER

 

EZ CASH

 

2160 BURTON WAY

 

LOS ANGELES  CA 90022

 

In this Consumer Loan Agreement (the "Loan Agreement"), the words "you" and "your" each mean the borrower identified above and "Loan" means the loan you obtain by signing this Loan Agreement. The words "we," "our," and "us" each mean EZ CASH, an Internet money lender licensed and operating pursuant to CACL 63-8-9 et. seq. Any improprieties in making this loan or in our loan practices may be referred to the Department of Financial Institutions for the State of California at 1860 19th Street, Sacramento, CA 95811.

 

You agree to take the Loan, and consummate this Loan Agreement, on the date ("Consummation

 

Date") that you electronically sign this Loan Agreement. Please note that the date for disbursing the Loan proceeds varies depending upon when you electronically sign this Loan Agreement. If we receive your electronic signature by 5:30 P.M. Pacific Standard Time ("PST") on the Consummation Date, then we will use our best efforts to effect a credit entry by depositing the proceeds from this Loan Agreement into the bank account listed below in the ACH Authorization to Debit and Credit Bank Account within 45 working days.

 

Promise to Pay. You promise to pay the Total of Payments shown below to us or to our order on the Payment Date and to pay any other permitted charges. Under this Loan Agreement we charge a fee which is a finance charge that is earned by us at the time this Loan Agreement is consummated and is payable on the Payment Date stated in the Payment Schedule below. You authorize us and our agents to contact you at the phone number or e-mail address listed in your Loan Application before the Payment Date to remind you of the upcoming Payment Date. You must pay the Total of Payments on the Payment Date whether or not we or our agents contact you before the Payment Date. Our agents are not your agents, and do not charge you any fee for the services they provide to us. Rather, we pay our agents a fee for their services, which we absorb as a cost of doing business. You may also be liable for a processing fee, if your ACH debit authorization is returned, reasonable attorney fees and court costs actually incurred by us or our agents.

 

FEDERAL TRUTH-IN-LENDING DISCLOSURES

 

Annual Percentage Rate

 

The cost of your credit as a yearly rate.

 

400% (e)

 

Finance Charge

 

The dollar amount the credit will cost you.

 

$210

 

Amount Financed

 

The amount of credit provided to you or on your behalf.

 

$300

 

Total of Payments

 

The amount you will have paid after you have made all payments as scheduled.

 

$510

 

Payment Schedule:

 

Two Payments of $255.00 each are schedule on April 12, 2013 and May 10, 2013.

 

Security: You are giving a security interest in the ACH Authorization to Debit and Credit Bank Account. Prepayment: If you pay off early, you will be entitled to a refund of the Finance Charge. (e) means: Estimate*

 

See your Loan Agreement for any additional information about nonpayment, default and prepayment refunds. 

 

* The annual percentage rate is an estimate based upon the date on which we anticipate the proceeds will be deposited into your account. It varies between 250% to 750%.

 

ITEMIZATION OF AMOUNT FINANCED: 1. Amount given to you directly:$300

 

  2. Total Amount to be paid:$510

 

ACH Authorization to Debit and Credit Bank Account: You authorize us and our agents to initiate an ACH credit entry to your checking account or a prepaid account. You can also authorize Debit/Credit Card Payments in order to disburse the proceeds of this Loan Agreement. You also authorize us and our agents to initiate ACH debit entries to your Bank Account in order to collect all amounts owing under this Loan Agreement, including a returned item charge, if applicable. You agree, if your initial ACH debit is returned for any reason, we can and may create a remote check and submit it to your banking institution. Because this is a single payment loan, this ACH authority is not authority to initiate ACH debit entries at substantially regular intervals. This ACH authorization will remain in full force and effect until the earlier of the following occurs: (i) you satisfy all of your payment obligations under this Loan Agreement or (ii) you provide the Paying Bank or us notice of your termination of this authorization in such time and manner as to afford the Paying Bank or us a reasonable opportunity to act on your instructions. Finally, you acknowledge that the origination of ACH entries to your Bank Account must comply with applicable provisions of U.S. law.

 

Prepayment: You will not incur any additional charge, fee or penalty if you prepay your obligations under this Loan Agreement. However, because we earn the fee upon consummation of this Loan Agreement, you will not receive a rebate or refund of the fee (finance charge).

 

Security: Pursuant to Comment 2(a)(25) of the Federal Reserve Board Official Staff Commentary to Regulation Z §226.6, we have disclosed to you that our interest in the ACH Authorization to Debit and Credit Bank Account is a security interest for Truth-in-Lending purposes only, because federal and California State law do not clearly address whether our interest in such is a "security interest."

 

Default, Revocation, Returned Item Charge, Collection Costs and Assignment: You will be in default under this Loan Agreement if you do not timely pay us any amount you owe us under this Loan Agreement. We may revoke this Agreement at any time if the information you provided us prior to entering into this Agreement is inaccurate; provided however, you acknowledge and agree that the provision entitled "Waiver of Jury Trial and Arbitration Provision" shall survive any revocation of this Agreement and shall continue in full force and effect unless you and we otherwise agree in writing. If the Paying Bank returns an ACH debit entry to your Bank Account, then you must pay us a returned item charge of $199. We will charge and collect only one returned item charge under this Loan Agreement no matter how many times the Paying Bank returns an ACH debit entry. You should be aware that the Paying Bank may also charge you a returned item charge and may revoke your Bank Account privileges. If you default under this Loan Agreement and we pursue collection efforts against you, then you must pay all reasonable attorneys’ fees, court costs, and other costs awarded by a court which were actually incurred by us. We may assign or transfer this Loan Agreement or any of our rights hereunder, without notice to or consent from you.

 

Refinancing: You may be eligible to refinance this loan up to five times. If refinancing is requested by you and approved by us you must pay all outstanding fees and 30% of the original principle, or a greater amount if required by us, as a condition of the refinancing.

 

Extension of Payments and Maturity: Neither the maturity date nor the payments due pursuant to this Loan Agreement may be extended.

 

Communications: You agree that we may communicate with you (for any reason relating to your account, including debt collection purposes) by electronic means using the electronic mail address provided to us in your application and/or by automatic dialers which may play recorded messages, and that no such communication will be deemed to be unsolicited.

 

We may not call you or send a text message at any number you provide including calls to mobile and cellular devices, for any lawful purpose. You also know that such calls will not be unsolicited calls for purposes of state and federal law.

 

Governing Law: This Loan Agreement, excepting the Waiver of Jury Trial and Arbitration Provision, shall be governed by and construed in accordance with the laws of California State.

 

To the broadest extent possible, any state law claims you may assert against us relating to this

 

Loan Agreement, and any state law claims we may assert against you relating to this Loan

 

Agreement, will be governed by the laws of California State. The Waiver of Jury Trial and Arbitration Provision shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16.

 

WAIVER OF JURY TRIAL AND ARBITRATION PROVISION

 

Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present some evidence to the arbitrator. Pre-arbitration discovery may be limited. Arbitration proceedings are private and less formal than court trials. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision. We have a policy of arbitrating all disputes with borrowers which cannot be resolved in a small claims tribunal, including the scope and validity of this arbitration provision and any right you may have to participate in an alleged class action. THEREFORE, YOU

 

ACKNOWLEDGE AND AGREE AS FOLLOWS:

 

1. For purposes of this Waiver of Jury Trial and Arbitration Provision (hereinafter the "Arbitration Provision"), the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to this Loan

 

Agreement (including the Arbitration Provision), the information you gave us before entering into this Loan Agreement, including the Application, and/or any past agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute or regulation; (f) all claims asserted by us against you, including claims

 

for money damages to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities (hereinafter collectively referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) all claims asserted by you as a private attorney general, as a representative and member of a class of persons, or in any other representative capacity, against us and/or related third parties (hereinafter referred to as "Representative Claims"); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you.

 

2. You acknowledge and agree that by entering into this Arbitration Provision:

 

(a) YOU ARE WAIVING YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY

 

DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES;

 

(b) YOU ARE WAIVING YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL

 

CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; and

 

(c) YOU ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE

 

ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES.

 

3. Except as provided in Paragraph 6 below, all disputes including any Representative Claims against us and/or related third parties shall be resolved by binding arbitration only on an individual basis with

 

you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION;

 

THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A

 

REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER

 

REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. YOUR DISPUTE MAY NOT BE CONSOLIDATED WITH THE DISPUTE OF OTHERS FOR ANY PURPOSE.

 

4. Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has been filed. Regardless of who demands arbitration, you shall have the right to select the following arbitration organization to administer the arbitration: the American Arbitration Association. However, the parties may agree to select a local arbitrator who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association and arbitrate pursuant to such arbitrator's rules. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select a local arbitrator. If related third parties or we demand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your decision to select an arbitration organization or your desire to select a local arbitrator. If you fail to notify us, then we have the right to select an arbitration organization. The parties to such dispute will be governed by the rules and procedures of such arbitration organization applicable to consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Loan Agreement or the Arbitration Provision. You may obtain a copy of the rules and procedures by contacting the arbitration organization listed above.

 

5. Regardless of who demands arbitration, at your written request we will advance your portion of the expenses associated with the arbitration, including the filing, administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorneys' fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law consistent with the FAA, applicable statutes of limitation, and shall honor claims of privilege recognized at law. The arbitration hearing will be conducted in the county of your residence, or within 30 miles from such county, or in the county in which the transaction under this Loan Agreement occurred, or in such other place as shall be ordered by the arbitrator. The arbitrator may decide with or without any hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration, the arbitrator

 

shall not apply any federal or state rules of civil procedure or evidence. At the timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator's award may be filed with any court having jurisdiction. If allowed by statute or applicable law, the arbitrator may award you statutory damages and/or your reasonable attorneys' fees and expenses. Regardless of whether the arbitrator renders a decision or an award in your favor resolving the dispute, you will not be responsible for reimbursing us for your portion of the Arbitration Fees.

 

6. All parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal for disputes within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be resolved by binding arbitration. Any appeal of a judgment from a small claims tribunal shall be resolved by binding arbitration.

 

7. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. If a final non-appealable judgment of a court having jurisdiction over this transaction finds, for any reason, that the FAA does not apply to this transaction, then our agreement to arbitrate shall be governed by the arbitration law of the State of California State.

 

8. This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. The Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. The Arbitration Provision continues in full force and effect, even if your obligations have been prepaid, paid or discharged through bankruptcy. The Arbitration Provision survives any termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing.

 

Opt-Out Process: You may choose to opt-out of this Arbitration Provision and no longer be subject to the terms of this Arbitration Provision, but only by following the process set-forth below. If you do not wish to be subject to this Arbitration Provision, then you must notify us in writing within thirty (30) calendar days of the date you signed this Loan Agreement by writing to Arbitration Opt-Out, c/o Direct MicroLoans LLC, P.O. Box 105096,Atlanta, GA 30348-5096. Your written notice must include your name, address, social security number, the date you signed this Loan Agreement, and a statement that you wish to opt-out of the Arbitration Provision. Please note, if you opt-out of the Arbitration Provision according to the foregoing procedure, then your choice to opt-out only applies to the Arbitration Provision in this Loan Agreement and will not apply to other transactions with us, if any. Therefore, any other agreements to arbitrate between you and us shall be effective, regardless of your choice to opt-out of this Arbitration Provision.

 

Please note that this Loan Agreement contains a binding Waiver of Jury Trial and Arbitration Provision that may be enforced by the parties.

 

By signing this Loan Agreement, you acknowledge that it was filled-in before you did so and that you have received a completed copy of it. You represent that you are not a debtor under any proceeding in bankruptcy and have no intention to file a petition for relief under any chapter of the U.S. Bankruptcy Code. You agree that the information you gave us prior to entering this Loan Agreement is accurate. You warrant that the account on which the ACH is started is a legitimate, open and active account.

 

You acknowledge that you have read, understand, and agree to all terms of this Loan Agreement including the Waiver of Jury Trial and Arbitration Provision.

 

Date: March 15, 2013

 

Borrower's Signature: DOREAN HARRIS

 

Kelly Graham Bell

 

Manager

 

EZ CASH