AdvanceMeToday.com

Consumer Alert
AdvanceMeToday.com
Lenders International dba
http://www.advancemetoday.com,

Not Licensed To Provide Payday Loans

Updated: June 14, 2013

The Washington State Department of Financial Institutions (DFI) has received manyAdvanceMeToday2 complaints against AdvanceMeToday.com whose location is unknown.

P.O. Box 1124-1007
New York , NY 10102
Phone: (888) 408-4394
http://www.advancemetoday.com

Post Office Box No. 1823
Pauls Avenue
Kingstown, St. Vincent 1823

Tel:(888) 408-9716
fax:(888) 660-2984

This entity provides short-term (“payday”) loans to consumers via the internet. Consumers then payback the loans by authorizing repayment from their checking accounts on specific dates, typically on the next payday.

This entity then may make debits from consumers’ bank accounts for larger amounts and longer periods than necessary to repay the loan. This entity has reportedly engaged in harassing collection efforts including calling place of employment.

Advancemetoday.com is not licensed by the Washington State Department of Financial Institutions and is not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Washington residents are advised that state law provides in RCW 31.45.105(1)(d) and (3) that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State.

Verify Licenses

The Washington State Department of Financial Institutions strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on DFI’s website at www.dfi.wa.gov.

Payday Loan Debt Collection Laws

Collection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC HELP (382-4357), or online at www.ftc.gov.

Report Fraud

If you are suspicious of unlicensed activity by a payday lender please contact DFI at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov or contact the Consumer Financial Protection Bureau (855) 411-2372, or online at www.consumerfinance.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov.

  • customersupport@advancemetoday.com
  • paymentarrangements@advancemetoday.com
  • collections@advancemetoday.com

Related Article

United States National Mortgage Relief Center ~www.usnmrc.com

Consumer Alert
United States National Mortgage Relief Center

Unlicensed Loan Modifications

Posted: July 12, 2013

United States National Mortgage Relief Center was reported to be offering to Home Loan Mortgageprovide loan modification services to a Washington State consumer. This company is not licensed by the Washington State Department of Financial Institutions (DFI), or registered to do business in Washington by either the Department of Revenue or the Washington Secretary of State.

United States National Mortgage Relief Center has been associated with the following address:

23785 El Toro Road, Suite #224
Lake Forest, CA 92630
http://www.usnmrc.com

This company has also been associated with the following website and telephone number: http://www.usnmrc.com; 877-471-1911. Casey Strafaci has been identified as the company’s CEO, and Joe Miranda has been identified as the company’s CFO. It appears that this company is no longer conducting business.

Loan Modification Services – Upfront Fees

Washington State law requires all individuals and companies providing third-party loan modification services to Washington residents be licensed by DFI. Additionally, the Federal Trade Commission’s Mortgage Assistance Relief Services (MARS) Rule prohibits entities from requiring upfront fees prior to performing loan modification services.

Verify Licenses

DFI strongly recommends that residents verify the license of any lender with which they consider doing business with. Consumers are urged to verify licensing status prior to giving the lender nonpublic personal information, such as social security number and checking account access. You can verify a license with DFI at www.dfi.wa.gov or by calling 1-877-RING-DFI (746-4334).

Report Violators

If you feel you are in immediate danger contact local law enforcement.

If you are suspicious of unlicensed activity by a mortgage broker or loan originator please contact DFI at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov.

___________________

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.

Contact Us

We understand that you may be struggling with your home, your bills, your car or anything else. It is our job to provide immediate relief and put you on the road to recovery and get your life back in order as quickly as possible. Fill out the short form on the right and one of our professional, friendly customer care representatves will get back to you immediately.

At USNMRC, your problems are our problems and we have a proven track record of turning problems into solutions.

We look forward to working with you!

Sincerely,

the USNMRC team

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Services

  • LOAN MODIFICATION
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Northway Financial dba Cash Transfer Centers dba Zip19.com

Consumer Alert 
Northway Financial dba Cash Transfer Centers dba Zip19.com

Updated: July 9, 2013

The Washington State Department of Financial Institutions (DFI) has received complaints from Washington consumers who reported they obtained online payday zip19loans from Zip 19.com which also does business as Northway Financial Corporation, Ltd. and Cash Transfer Centers. The consumers complained of excessive fees and interest, annoying phone calls, and the lack of installment plans.

Zip19.com operates a website at zip19.com and lists its email address as customercare@Zip19.com. Zip19.com has a purported business address listed as: Level 5, Plaza Commercial Centre, Bisazza Street, Sliema SLM 1640, Malta. On its website, Zip19.com lists its phone number as 1-877-947-1947 and its fax number as 1-866-202-6498.

Zip19.com is not licensed by the Washington State Department of Financial Institutions as a small loan or payday lender. This entity is not registered to conduct business in Washington State by the Washington State Department of Revenue or the Secretary of State. Washington residents are advised that state law provides in RCW 31.45.105(1)(d) and (3) that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State.

Verify Licenses

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on DFI’s website at www.dfi.wa.gov/consumers/findcompany.htm.

Report Fraud

If you are suspicious of unlicensed activity by a payday lender please contact the Washington State Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov or contact the Consumer Financial Protection Bureau (855) 411-CFPB (2372), or online at www.consumerfinance.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov.

Payday Loan Debt Collection Laws

Consumers should know that Washington state law prohibits threatening or harassing behavior by individuals attempting to collect a payday loan. Only licensed companies are permitted to make payday loans in Washington.

The federal Fair Debt Collection Practices Act says debt collectors must send consumers a written notice within five days of their first phone call, showing how much the consumer owes and where the debt is from. The law says collectors can not say or even imply that nonpayment is a crime.

They can’t call before 8 a.m. or after 9 p.m. Collectors are not allowed to speak to a consumer’s employer about their debt. They are prohibited from harassing or abusing consumers and they must stop calling if the consumer asks them to.

Kerry & Wright Lending Group ~ Kerry-n-wright.com

Consumer Alert
Kerry & Wright Lending Group

Possible Advance Fee Loan Scam

July 16, 2012

The Washington State Department of Financial Institutions (DFI) received a complaint from a consumer stating that he applied for a loan with Kerry & Wright Lending Group. As part of the loan agreement, he was required to send a collateral payment in advance. The consumer further alleged that he was instructed to make an additional collateral payment prior to receiving the funds, that he requested a refund, and that he has not received any response.

DFI’s investigation into this complaint turned up similar allegations against Kerry & Wright Lending Group reported on Internet website “scambook.com.”

Kerry & Wright Lending Group’s website, Kerry-n-wright.com, lists their address as 719 2nd Avenue, Suite 300, Seattle, WA 98104. However, this address does not appear to be the actual address for this entity. Phone calls to the number on the website, 866-947-7326, went unanswered.

Kerry & Wright Lending Group is not licensed with DFI and is not registered to do business with the Washington Secretary of State or Department of Revenue. Kerry & Wright Lending Group does not appear to be a legitimate business.

Verify Licenses

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on the DFI’s website at www.dfi.wa.gov/consumers/findcompany.htm.

Report Fraud

If you feel you are in immediate danger contact local law enforcement.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov.

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.