This company is nothing but a scam. I borrowed 2 hundred dollars right before Christmas. I told them I was on a fixed income and that my money wouldn't be in the bank until the 3rd of the month. When I took out the loan, I wanted the entire balance to be deducted on the 4th of January. They sent the transfer information on the 2nd, which totally screwed me, since there were insufficient funds in my account. My bank was physically closed on the 1st for New Years, and the 2nd was on a Saturday, also closed due to the holiday. They are open half a day on Saturday, usually.
The thing that REALLY pissed me off is, they only sent for 100 of the balance. My bank allowed it, since they knew that my funds would be there by direct deposit, I guess. Anyway, I tried to no avail to get a human on the phone so that I could find out why they only took 100 instead of the full amount. I haven't reached anyone until today.
Now what gets me good is, my bank doesn't open until 8. They run their transfers at 7. So when Feb 3rd rolled around, they sent their transfer, my bank declined since it happened the month before. I tried to call the company at least 5 days a week, left messages with ASHLEY whoever, btw she does not return your calls, to not take the money until after 8, and to do it on the 4th. Just to make sure.
What idiots. They charge you a service charge and then compound the interest monthly. 200 dollars is costing me somewhere around 600 by the time I pay the service charges from PDLY, my bank, and the exorbitant amount of interest that has accumulated.