E Z MONEY LOANS

A very rude lady called me and told me that my payment was due the 27th and i asked her of i could pay over the phone due to me being sick she very rudely said no becuase its a title loan, and i informed her that i was sick, she says well when do you think youll get better... like i really know the exact day, and then i said well i cant come in sick and she said well you better send someone in for you and you better figure something out completely rude and didnt even try to work with me

Just got this email today, and I am VERY suspicious of it. NEVER received ANY pay day loan from them, and NEVER did ANY business with them.

See that they're closed, so someone is trying to SCAM!!

Immediate attention required

Loan Support Customer Care Representative

11:00 AM

To blondetrekkie@***.net

Quick reply allReplyForwardDelete

Dear WENDY SADDLER, This is a reminder email about your past due with EZ Money Loans Inc. from a payday loan taken on July 25, 2014. Our records indicate that you have an outstanding balance as you didn’t pay off payday loan in 2014. It requires your immediate attention as ample time was given to pay off this debt.

Below is the information of your debt:

Loan amount: $300.00

Outstanding balance: $527.29

Interest: $227.29

If not settled immediately, we will have to go ahead with court proceedings to enforced collection of the debt, which may entail additional charges for you including amount of state duty, the cost of representative’s services for the proceedings, the compensatory interest for each day of delay, court fees and administrative charges. Wage garnishment will be enforced if we do not receive good faith payment until June 28, 2019. Collection proceedings may also hurt your credit rating. Please check below information to know further details.

Name: WENDY SADDLER

Loan Account # EZML415079****43

Address: 2049 BROWN AVENUE APT F-5, BENSALEM, PA 19020

Phone: (215) 638-****

As per FDCPA, company agrees to provide payment arrangement if an immediate payment in full will create an undue hardship.

We can modify payment arrangement when hardship exists. However, we cannot reduce the total balance due.

In case of denial, we must issue an Earnings Withholding Order to collect your delinquent court-ordered debt. We will instruct your employer and social security department to deduct up to 50% of your disposable earnings for each pay period.

Your total outstanding debt is $527.29. We are providing you a proposed payment plan below.

However, we can help to change payment dates if there is hardship or a different pay schedule.

1. $130.00 – 6/28/19

2. $130.00 – 7/12/19

3. $130.00 – 7/26/19

4.

$137.29 – 8/9/19

You can pay off this debt by making one-time settlement amount of $350.00 today. Late Payment charge of $39.00 will be added if you will not make your first payment until next Friday.

All payments will be made online through our payment portal. You will have to fax payment authorization form with your payment details to confirm your payment. Please write us back for further details.

With Regards,

Richard Duckett

legal@***.com

418 S SAN VINCENTE BLVD, LOS ANGELES, CA 90048

Please refer below documents for further details.

We are providing you copies of your payday loan agreement and online registration of court case filed in County of Los Angeles, Superior Court of California. We will wait for your reply.

SUPERIOR COURT OF CALIFORNIA

EAST LOS ANGELES COURTHOUSE

4048 E. CIVIC CENTER WAY

LOS ANGELES, CA 90022

Date: 6/21/19

Name: WENDY SADDLER

Address: 2049 BROWN AVENUE APT F-5, BENSALEM, PA 19020

Phone: (215) 638-****

SUBJECT: EARNINGS WITHHOLDING ORDER

CASE ID: BC20863****

DEAR WENDY SADDLER, WE HEREBY SUMMONED YOU ON BEHALF OF EZ Money LOANS INC. FOR AN OUTSTANDING DEBT OF A PAYDAY LOAN TAKEN BY YOU ON JULY 25, 2014.

YOU MUST ANSWER TO THE COMPLAIN HEREWITH SERVED UPON YOU. WE ARE PROVIDING DETAILS OF YOUR ACCOUNT BELOW.

SOCIAL SECURITY NUMBER: 187-66-****

LOAN ACCOUNT NUMBER: EZML415079****43

OUTSTANDING DEBT: $527.29

YOU ARE SUMMONED FOR VIOLATION OF FEDERAL BANKING REGULATIONS. THE ENTIRE COST OF THE LAWSUIT IS $2748.19 WHICH INCLUDES INITIAL LOAN AMOUNT, DELAY CHARGES, INTEREST, ATTORNEY’S FEE AND CASE REGISTRATION CHARGES. THE DEBT HAS BEEN MENTIONED IN ALL THREE CRDIT REPORTS AS OF NOW.

AN ANSWER TO THE COMPALINT, WHICH IS HEREWITH SERVED UPON YOU, IS REQUIRED UNTIL JUNE 28, 2019.

IF YOU FAIL TO DO SO, JUDGEMENT BY DEFAULT WILL BE TAKEN AGAINST YOU AND YOU MUST PAY ENTIRE COST OF THE LAWSUIT INCLUDING ADDITIONAL CHARGES. WAGE GARNISHMENT PROCESS WILL BE FILED IF YOU WILL NOT ANSWER THIS LAWSUIT OR MAKE OUT OF COURT ARRANGEMENTS WITH THE COMPANY.

SINCERELY,

URIEL OCAMPO

PLEASE CONTACT THE COMPANY FOR ANY ARRANGEMENTS BEFORE JUNE 28, 2019.

EZ MONEY LOANS INC.

418 S SAN VINCENTE BLVD

LOS ANGELES, CA 90048

SUPPORT@***.COM

A screenshot of a cell phone

Description automatically generated

Please check the following document for your payday loan agreement. We will wait for your reply for further proceedings. PAYDAY LOAN AGREEMENT

CUSTOMER NAME:

WENDY SADDLER

SOCIAL SECURITY NUMBER:

187-66-****

LOAN ACCOUNT NUMBER:

EZML415079****43

CUSTOMER’S ADDRESS (RESIDENCE) CITY, STATE, ZIP:

2049 BROWN AVENUE APT F-5, BENSALEM, PA 19020

PHONE NUMBER:

(215) 638-****

DATE OF AGREEMENT:

7/25/2014

CREDITOR/LENDER INFORMATION:

EZ MONEY LOANS INC.

418 S SAN VINCENTE BLVD

LOS ANGELES, CA 90048

(323) 795-****

CUSTOMER.CARE@***.COM

NUMBER OF PAYMENTS: 4 PAYMENTS

LAST PAYMENT DUE: 9/19/2014

PREPAYMENT: If you pay off early, you may be entitled to a refund of part of the interest

ADDITIONAL INFORMATION: See your contract for any additional information concerning nonpayment, default and prepayment refunds or penalties

ANNUAL PERCENTAGE RATE:

The cost of your credit as yearly rate

315.27%

FINANCE CHARGE:

The dollar amount the credit will cost you

$227.29

AMOUNT FINACED:

The amount of credit provided to you or on your behalf

$300.00

TOTAL PAYMENT:

Amount you will have to pay after making scheduled payments

$527.29

This Loan Agreement, Promissory Note, and Security Agreement is entered into by and between CREDITOR/LENDER and BORROWR/DEBTOR as of the above date, subject to the terms and conditions set forth and any and all representations BORROWER has made to LENDER in connection with

this transaction.

LOAN AGREEMENT: You have requested a loan (the “LOAN”) in the amount of the Amount Financed stated above (the “PRINCIPAL”).

At your specific request, we as LENDER do hereby advance to you the Principal Amount. This loan is offered under the Laws governing money, interest and usury. You as BORROWER shall pay in cash to LENDER the amount set forth by the instalment schedule above when due pursuant to the

Promissory Note. Any notice that we as LENDER are required to provide you pursuant to the Agreement and/or the Uniform Commercial Code of the State of California will be deemed reasonable if sent to you at the address set forth by you above at least five (5) days before the event with respect to which notice is required.

In the event the loan is repaid prior to maturity, BORROWRE shall pay interest at the rate set forth as the ANNUAL PERCENTAGE RATE above for the number of days the loan is outstanding and there will be no prepayment penalty. The amount set forth above as the FINANCE CHARGE is deemed a service fee by California law and is not interest.

I. TERMS OF REPAYMENT

A. Payments

Unpaid principal after the Due Date shown below shall accrue interest at rate of 45% monthly until paid.

The unpaid principal and accrued interest shall be payable in four bi-weekly installments of $130.00 starting from August 8, 2014.

B. Application of Payments

All payments on this Note shall be applied first in payment of accrued interest and any remainder in payment of principal.

C. Late Fee

The Borrower promises to pay a late charge of $39.00 for each installment that remains unpaid more than three day(s) after its Due Date. This late charge shall be paid as liquidated damages in lieu of actual damages, and not as a penalty.

Payment of such late charge shall, under no circumstances, be construed to cure any default arising from or relating to such late payment.

D. Discount

If the principal and accrued interest are paid in full on or before August 31, 2014, the Borrower shall be entitled to refund of part of the finance charge.

E. Acceleration of Debt

If any payment obligation under this Note is not paid when due, the remaining unpaid principal balance and any accrued interest shall become due immediately at the option of the Lender.

II. COLLECTION COSTS

If any payment obligation under this Note is not paid when due, the Borrower promises to pay all costs of collection, including reasonable attorney fees, whether a lawsuit is commenced as part of the collection process.

III.

DEFAULT

If any of the following events of default occur, this Note and any other obligations of the Borrower to the Lender, shall become due immediately, without demand or notice: 1) The failure of the Borrower to pay the principal and any accrued interest when due; 2) The liquidation, dissolution, incompetency or death of the Borrower; 3) The filing of bankruptcy proceedings involving the Borrower as a debtor; 4) The application for the appointment of a receiver for the Borrower; 5) The making of a general assignment for the benefit of the Borrower's creditors; 6) The insolvency of the Borrower; 7) A misrepresentation by the Borrower to the Lender for obtaining or extending credit; or 8) The sale of a material portion of the business or assets of the Borrower.

IV. SEVERABILITY OF PROVISIONS

If any one or more of the provisions of this Note are determined to be unenforceable, in whole or in part, for any reason, the remaining provisions shall remain fully operative.

V. MISCELLANEOUS

All payments of principal and interest on this Note shall be paid in the legal currency of the United States. The Borrower waives presentment for payment, protest, and notice of protest and demand of this Note.

No delay in enforcing any right of the Lender under this Note, or assignment by Lender of this Note, or failure to accelerate the debt evidenced hereby because of default in the payment of a monthly installment or the acceptance of a past-due installment shall be construed as a waiver of the right of Lender to thereafter insist upon strict compliance with the terms of this Note without notice being given to Borrower.

All rights of the Lender under this Note are cumulative and may be exercised concurrently or consecutively at the Lender's option.

This note may not be amended without the written approval of the holder.

VI. GOVERNING LAW

This Note shall be construed in accordance with the laws of the State of California.

VII. SERVICE FEE CALCULATIONS

The limits on the service fees for payday loans are based on the amount of the loan. The payday lender may charge up to 15% on the first $100.00, 14% on the second $100.00, 13% on the third $100.00, 12% on the fourth $100.00, and 11% on the fifth and sixth $100.00.

Therefore, the following service fee limits apply:

Payday Loan Amount

Total Service Fee Limit

$ 50.00

$ 7.50

$100.00

$15.00

$150.00

$25.50

$200.00

$29.00

$300.00

$42.00

$400.00

$54.00

$475.00

$62.25

$500.00

$65.00

$600.00

$76.00

For example, a customer who borrows $100.00 will be charged up to $50.00 for a two-week loan (the payday lender may provide for a shorter or longer period -- up to 31 days). The customer writes a check for $150.00 and receives an immediate $100.00 in cash. Because the payday loan is short term, the service fee translates into a triple-digit annual percentage rate (APR). The following illustrates the calculation of the APR on this payday loan.

The daily interest charged ($50.00/14 days) is $3.57.

While the actual cost of this two-week loan is $50.00, the annual percentage rate of that $50.00 is 315.27%.

The payday lender may charge an additional database verification fee of $15.00 per transaction.

AMORTIZATION SCHEDULE

This is a proposed payment schedule to understand division of Interest and Principal Amount. You must pay delay charges (per the loan agreement) if payments will be delayed.

Annual Percentage Rate = 315.27% Principal = $300.00

Payment Number

Payment Date

Total Payment

Interest Amount

Pending Loan Balance

0

7/25/2014

$0.00

$0.00

$300.00

1

8/8/2014

$130.00

$55.00

$225.00

2

8/22/2014

$130.00

$55.00

$150.00

3

9/5/2014

$130.00

$55.00

$75.00

4

9/19/2014

$137.29

$62.29

$0.00

Total

$527.29

$227.29

$0.00

PRIVACY NOTICE

You are being provided with this PRIVACY NOTICE pursuant to the Gramm-Leach-Bliley Act and 16 C.F.R. 313. This act and the accompanying regulations require us to disclosure our policy regarding non-public personal information.

We collect non-public personal information about you such as your address, driver’s license information and credit worthiness.

We may collect this information from the following sources:

· Information we receive from you on applications, worksheets, other documents we use in preparing your loan, or other forms;

· Information about your transactions with us, our affiliates, or others; and

· Information we receive from a consumer reporting agency.

We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

From time to time we may disclosure your non-public information to businesses in order to verify your credit worthiness, or other companies that work with us to provide you with our products and services. In addition, we may disclose the information we collect, to companies that perform marketing services on our behalf or other financial institutions with which we have joint marketing agreements. However, we do not disclose any non-public personal information about you to anyone else, except as permitted by law.

We will only share your non-public personal information to companies that agree to treat your information confidentially.

If you prefer that we not share your information, except as provided by law, you may ask the “OPT OUT” form.

Fill and return it to us as per the instructions.

I have received a copy of this notice

CUSTOMER’S DIGITAL SIGNATURE

DATE

WENDY SADDLER

2049 BROWN AVENUE APT F-5, BENSALEM, PA 19020

7/25/2014

LENDER

EZ MONEY LOANS INC.

418 S SAN VINCENTE BLVD

LOS ANGELES, CA 90048

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