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Ez Money Loans Inc


Country United States
State California
City Los Angeles
Address 706 E Spring Street

Ez Money Loans Inc Reviews

Most Useful Comment
  • Jan 7, 2019

It is stated that I took out a pay day loan on July 31, 2015 in the amount of $350.00 and now the outstanding balance is $531.39. I am now being summoned for violation of federal banking regulations and collateral cheque fraud.

The entire cost of the lawsuit is $2579.97 which includes initial loan amount, delay charges, interest, attorney's fee and case registration charge. It states that I must answer to the comlaint by January 18, 2019. It includes my SSN, address, and an old telephone number.

I have never taken out a pay day loan and would not have taken one out in the State of California being that I am a resident of Georgia. I feel like this is a case of identity theft.

Mark as Useful [7 votes]
  • Nov 19, 2019

Scammers

I just got an email stating I took out a pay day loan with them in 2016 which wasn't true. I'm a resident of IL-not California and they're trying to get money for a loan I never took out. The letter had my social security number on it and my mailing address. I'm considering signing up for Life lock to monitor my credit and ID. This is nuts.

  • Jun 11, 2019

EZ Money Loans/ [email protected] Richard Duckett 418S Superior Court Of California Sherri R Carter, Clerk [email protected] East Los Angeles Courthouse URIEL OCAMPO, Deputy 418 S San Vincent Blvd 4048 E Civic Center Way Los Angeles, Ca 90048 Los Angeles, CA 90022

This Richard Duckett, is saying I owe EZmoney loans inc, In California for a payday loan which I never took out, because I haven't been to california.

This report, is being made to help stop people like this

Mark as Useful [5 votes]
  • Apr 8, 2019

This ex money loans still personal information and telling people they owe money from a cash loan dept and thier Sueing you for the cash you borrowed when you have never borrowed cash from that company and also saying they Filed against your name in a local court the cash loan place is based out of the fbi should investigate these people still money from the public n still people phone # and SSN #s and home addresses. Should a Serious Offense and prison for these Scamerd and hackers.

Mark as Useful [5 votes]
  • May 9, 2019

For example they used an address I lived at 15 years ago but a phone number that I had 10 years ago but nothing present. They say I took the loan out in 2016. They have also threatened that my payroll checks will be garnished and there are court proceedings already in order. They say I need to respond immediately or else they will go forward! They have provided a Case ID#, a loan account number. They say a lawsuit has been filed.

I have received 2 emails threatening that a law suit have been filed, my payroll checks will be garnished and there are court proceedings in effect.

Mark as Useful [4 votes]
  • Mar 20, 2019

Ez Money Loans signed by Douglas Agans They sent an email telling me I received a loan from them and I did not. Information that they have for me is incorrect. They are threatening to garnish my wages through LA county Superior Court Los Angeles California

They Sent this:

Good day (my name) , this email is regarding an unpaid debt for EZ Money Loans Inc. taken in July 29, 2016. Despite sending you several reminders in past in the form or mails, emails and phone calls, we have received no payment from you about your past due accountwith EZ Money Loans Inc. Please check below for detailed information of your debt:

Loan amount: $300.00

Total amount: $427.95

Outstanding balance: $427.95

Name: (my name)

Loan Account # EZML154941470

Address: (My address)

Wage garnishment will be enforced if you fail to make good faith payment within 15 days of this email. We will start court proceedings to enforce collection of the debt, which may entail additional expenses for you. It will hurt your credit rating. We registered online case with Superior Court of California, County of Los Angeles. Please note down the reference number for the case as BC88858469. Please check below information to know further details.

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. Company agrees to give you pay-off discount if you are willing to pay within 15 days.

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 40% of your disposable earnings for each pay period.

The total outstanding amount under your name is $427.95. Please check below for proposed payment plan. However, changes to the proposed payment plans is possible if there is hardship or a different pay schedule.

$107.00 – 03/22/19

$107.00 – 04/05/19

$107.00 – 04/19/19

$106.95 – 05/03/19

We can offer you to pay $300.00 within a week if you want to clear outstanding balance within 15 days of this email. Please write us back as per your convenience. Please make a good faith amount within 15 days of this email to avoid further proceedings. Late Payment charge of $39.00 will be added if you don't make your first payment till next Friday.

Our payment conditions are mentioned below. We do not accept any other mode of payments. We only accept payments through following portal:

Credit/Debit card

Online payment through e-Invoice

Please write us back with your payment option to start your payment arrangements.

With Regards,

Douglas Agans

[email protected]

706 S Spring St, Los Angeles, CA 90014

Date: 03/15/19

Superior Court Of California

County of Los Angeles

South District – Long Beach

415 W Ocean Blvd, Rm. 203

Long Beach, CA 90802

Mark as Useful [4 votes]
  • Oct 24, 2019

Just received one TODAY

I knew that I didn't receive one, they also used an address that I haven't been associated with over 10 years now, a phone number that I have never had, and had all the numbers for my social security, but not in the correct order. Although I was very concerned about it, I am so glad that I did my research on this!! After examining the email, there isn't a phone number associated anywhere on the paperwork, which was my first clue. Because truth be told, I was going to call them and give me a piece of my mind. They stated that I took a loan out on November 11, 2016. I hate stuff like this!!!!!!!!!!

  • Jan 9, 2020

Thanks

I just got basically the same email, I replied with I have no knowledge of this loan, and they were using my maiden name!! I know now it’s trash!!

  • May 9, 2019

Me To

I just received this email but I never took out a loan and was concerned thanks now I know its trash. lol

Mark as Useful [2 votes]
  • Jun 27, 2019

This past Monday, I received an email from a Richard Duckett, claiming that I received a pay day loan on July 25, 2014, and never paid it. I found this suspicious, since I NEVER put in for ANY pay day loan from ANY company during this time, and I responded by sending them a cease and desist letter. This was their response below:

We apologize for the inconvenience, but we will have to proceed with legal measures. Despite sending you several reminders, we have received no response from you about your seriously past due account. We feel we have given you ample time and have been more than patient with you.

Therefore:

1. We feel there is no recourse but to put your account in the hands of our qualified lawyers to get a lawsuit filed against you.

2. This action will affect your credit rating.

3. We may also report this to the I.R.S. as “bad debt loss” with form 1099-A if payment is not received.

4. We have filed Wage Garnishment Process and ready to contact your employer and Social Security Department.

Bankruptcy laws will not work in this issue. With or without bankruptcy we have all rights to garnish your wages. This debt is not mentioned in bankruptcy laws. We will apply for Earnings Withholding Order to collect your delinquent debt. We will contact your Employer or Social Service Department to garnish your wages.

With Regards,

Customer Support

[email protected] / [email protected]

EZ Money Loans Inc.

Copyright @ 2019 || EZ MONEY LOANS INC. || Privacy || Terms of Use || Confidential

What type of person do they think I am?? I looked up their web site and it went to Go Daddy.com! These guys are really desperate!!

Mark as Useful [2 votes]
  • Sep 17, 2019

EZ Money Loans

I just sent them a reply telling them to eat sh*t....and to not contact me again. Also told them that they are a bunch of scamming as*h*les.

  • Jan 9, 2019

This is a reminder email about your past due with EZ Money Loans Inc. from a payday loan taken on July31, 2015. Our records indicate that you have an outstanding balance following non-payment of loan. Below is the information of your debt:

Loan amount: $600.00

Total amount: $910.95

Outstanding balance: $645.82

If you fail to voluntary satisfy requirements for payment of your debt to EZ Money Loans Inc., we have to follow court procedure to 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 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 November 23, 2018. Collection proceedings may also hurt your credit rating. We registered online case with Superior Court of California, County of Los Angeles. Please note down the reference number for the case as BC2446231. Please check below information to know further details.

Name:AURORA LANDAU

Loan Account # EZML142705948

This is either a scam or fraud! I live in Alaska, and I am being accused of taking out a payday loan in California. I have never taken out a payday loan, and I also had my identity stolen back in March of 2018.

Mark as Useful [1 vote]
  • Jan 9, 2020

Ez money loan

My email today was from Jared Stapley, claimed I got a $300 loan and now owe $443.91. I replied with I have no knowledge of this loan or payday loan company. I guess I will wait and see if they respond lol!! They also used my maiden name and I’m pretty sure if I had taken a loan the company would have used my actual legal name on the paperwork!!

  • Oct 10, 2019

Scam artists sent me same email

This is a fraud, this email is being transmitted to FBI for validity and to assist in fraudulent transacting. There are many grammatical errors and misspelled words on this professional document. If you contact me through email again, legal remedies will be taken against your company for defamation of character, and falsely presenting an unofficial documents of invoice for a loan that was not taken out against your company by the email recipient. Please forward any information regarding this fraudulent document to all FBI investigation teams.

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From: Loan Support Customer Care Representative <[email protected]>

Sent: Wednesday, October 9, 2019 2:49:41 PM

To: [email protected] <[email protected]>

Subject: Notification for an outstanding debt from 2016

Image

Dear SHARLENE WILLIAMSBRAY,

This is a reminder email about your past due with EZ Money Loans Inc. from a payday loan taken on November 11, 2016. Our records indicate that you have an outstanding balance as you didn’t pay off payday loan in 2016. It requires your immediate attention as ample time was given to pay off this debt. Below is the information of your debt:

Loan amount: $600.00

Outstanding balance: $645.82

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 October 11, 2019. Collection proceedings may also hurt your credit rating. Please check below information to know further details.

Name: SHARLENE WILLIAMSBRAY

Loan Account # EZML10248808394

Address: 14546 E 13TH AVE, AURORA, CO 80011

Phone: (720)859-0447

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 $645.82. 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. $161.46 – 10/11/19

2. $161.46 – 10/25/19

3. $161.46 – 11/8/19

4. $161.46 – 11/22/19

You can pay off this debt by making one-time settlement amount of $300.00 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. We will send you e-Invoice to make your payment. We do not accept card information through phone. Please write us back for further details.

With Regards,

Nicholas Luckett

[email protected]

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.

Image

SUPERIOR COURT OF CALIFORNIA

EAST LOS ANGELES COURTHOUSE

4048 E. CIVIC CENTER WAY

LOS ANGELES, CA 90022

Date: 10/4/19

Name: SHARLENE WILLIAMSBRAY

Address: 14546 E 13TH AVE, AURORA, CO 80011

Phone: (720)859-0447

SUBJECT: EARNINGS WITHHOLDING ORDER

CASE ID: BC25490871

DEAR SHARLENE WILLIAMSBRAY,

WE HEREBY SUMMONED YOU ON BEHALF OF EZ Money LOANS INC. FOR AN OUTSTANDING DEBT OF A PAYDAY LOAN TAKEN BY YOU ON NOVEMBER 11, 2016. YOU MUST ANSWER TO THE COMPLAIN HEREWITH SERVED UPON YOU. WE ARE PROVIDING DETAILS OF YOUR ACCOUNT BELOW.

SOCIAL SECURITY NUMBER:

LOAN ACCOUNT NUMBER: EZML10248808394

OUTSTANDING DEBT: $645.82

YOU ARE SUMMONED FOR VIOLATION OF FEDERAL BANKING REGULATIONS. THE ENTIRE COST OF THE LAWSUIT IS $2874.19 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 OCTOBER 11, 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

Image

PLEASE CONTACT THE COMPANY FOR ANY ARRANGEMENTS BEFORE OCTOBER 11, 2019.

EZ MONEY LOANS INC.

418 S SAN VINCENTE BLVD

LOS ANGELES, CA 90048

[email protected]

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.

Image

Image PAYDAY LOAN AGREEMENT

CUSTOMER NAME:

SHARLENE WILLIAMSBRAY

SOCIAL SECURITY NUMBER:

LOAN ACCOUNT NUMBER:

EZML10248808394

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

14546 E 13TH AVE, AURORA, CO 80011

PHONE NUMBER:

(720)859-0447

DATE OF AGREEMENT:

11/11/2016

CREDITOR/LENDER INFORMATION:

EZ MONEY LOANS INC.

418 S SAN VINCENTE BLVD

LOS ANGELES, CA 90048

(323) 795-2212

[email protected]

NUMBER OF PAYMENTS: 4 PAYMENTS

LAST PAYMENT DUE: 1/6/2017

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

$310.95

AMOUNT FINACED:

The amount of credit provided to you or on your behalf

$600.00

TOTAL PAYMENT:

Amount you will have to pay after making scheduled payments

$910.95

This Loan Agreement, Promissory Note, and Security Agreement is entered 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 $228.00 starting from September 25, 2016.

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 December 15, 2016, 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 = $600.00

Payment Number

Payment Date

Total Payment

Interest Amount

Pending Loan Balance

0

11/11/2016

$0.00

$0.00

$600.00

1

11/25/2016

$228.00

$78.00

$450.00

2

12/9/2016

$228.00

$78.00

$300.00

3

12/23/2016

$228.00

$78.00

$150.00

4

1/6/2016

$226.95

$76.95

$0.00

Total

$910.95

$310.95

$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

SHARLENE WILLIAMSBRAY

14546 E 13TH AVE, AURORA, CO 80011

11/11/2016

LENDER

EZ MONEY LOANS INC.

418 S SAN VINCENTE BLVD

LOS ANGELES, CA 90048

Copyright @ 2016 || EZ MONEY LOANS INC. || Privacy || Terms of Use || Confidential

  • Oct 10, 2019

Scam artists sent me same email

This is a fraud, this email is being transmitted to FBI for validity and to assist in fraudulent transacting. There are many grammatical errors and misspelled words on this professional document. If you contact me through email again, legal remedies will be taken against your company for defamation of character, and falsely presenting an unofficial documents of invoice for a loan that was not taken out against your company by the email recipient. Please forward any information regarding this fraudulent document to all FBI investigation teams.

Get Outlook for iOS

From: Loan Support Customer Care Representative <[email protected]>

Sent: Wednesday, October 9, 2019 2:49:41 PM

To: [email protected] <[email protected]>

Subject: Notification for an outstanding debt from 2016

Image

Dear SHARLENE WILLIAMSBRAY,

This is a reminder email about your past due with EZ Money Loans Inc. from a payday loan taken on November 11, 2016. Our records indicate that you have an outstanding balance as you didn’t pay off payday loan in 2016. It requires your immediate attention as ample time was given to pay off this debt. Below is the information of your debt:

Loan amount: $600.00

Outstanding balance: $645.82

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 October 11, 2019. Collection proceedings may also hurt your credit rating. Please check below information to know further details.

Name: SHARLENE WILLIAMSBRAY

Loan Account # EZML10248808394

Address: 14546 E 13TH AVE, AURORA, CO 80011

Phone: (720)859-0447

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 $645.82. 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. $161.46 – 10/11/19

2. $161.46 – 10/25/19

3. $161.46 – 11/8/19

4. $161.46 – 11/22/19

You can pay off this debt by making one-time settlement amount of $300.00 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. We will send you e-Invoice to make your payment. We do not accept card information through phone. Please write us back for further details.

With Regards,

Nicholas Luckett

[email protected]

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.

Image

SUPERIOR COURT OF CALIFORNIA

EAST LOS ANGELES COURTHOUSE

4048 E. CIVIC CENTER WAY

LOS ANGELES, CA 90022

Date: 10/4/19

Name: SHARLENE WILLIAMSBRAY

Address: 14546 E 13TH AVE, AURORA, CO 80011

Phone: (720)859-0447

SUBJECT: EARNINGS WITHHOLDING ORDER

CASE ID: BC25490871

DEAR SHARLENE WILLIAMSBRAY,

WE HEREBY SUMMONED YOU ON BEHALF OF EZ Money LOANS INC. FOR AN OUTSTANDING DEBT OF A PAYDAY LOAN TAKEN BY YOU ON NOVEMBER 11, 2016. YOU MUST ANSWER TO THE COMPLAIN HEREWITH SERVED UPON YOU. WE ARE PROVIDING DETAILS OF YOUR ACCOUNT BELOW.

SOCIAL SECURITY NUMBER:

LOAN ACCOUNT NUMBER: EZML10248808394

OUTSTANDING DEBT: $645.82

YOU ARE SUMMONED FOR VIOLATION OF FEDERAL BANKING REGULATIONS. THE ENTIRE COST OF THE LAWSUIT IS $2874.19 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 OCTOBER 11, 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

Image

PLEASE CONTACT THE COMPANY FOR ANY ARRANGEMENTS BEFORE OCTOBER 11, 2019.

EZ MONEY LOANS INC.

418 S SAN VINCENTE BLVD

LOS ANGELES, CA 90048

[email protected]

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.

Image

Image PAYDAY LOAN AGREEMENT

CUSTOMER NAME:

SHARLENE WILLIAMSBRAY

SOCIAL SECURITY NUMBER:

LOAN ACCOUNT NUMBER:

EZML10248808394

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

14546 E 13TH AVE, AURORA, CO 80011

PHONE NUMBER:

(720)859-0447

DATE OF AGREEMENT:

11/11/2016

CREDITOR/LENDER INFORMATION:

EZ MONEY LOANS INC.

418 S SAN VINCENTE BLVD

LOS ANGELES, CA 90048

(323) 795-2212

[email protected]

NUMBER OF PAYMENTS: 4 PAYMENTS

LAST PAYMENT DUE: 1/6/2017

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

$310.95

AMOUNT FINACED:

The amount of credit provided to you or on your behalf

$600.00

TOTAL PAYMENT:

Amount you will have to pay after making scheduled payments

$910.95

This Loan Agreement, Promissory Note, and Security Agreement is entered 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 $228.00 starting from September 25, 2016.

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 December 15, 2016, 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 = $600.00

Payment Number

Payment Date

Total Payment

Interest Amount

Pending Loan Balance

0

11/11/2016

$0.00

$0.00

$600.00

1

11/25/2016

$228.00

$78.00

$450.00

2

12/9/2016

$228.00

$78.00

$300.00

3

12/23/2016

$228.00

$78.00

$150.00

4

1/6/2016

$226.95

$76.95

$0.00

Total

$910.95

$310.95

$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

SHARLENE WILLIAMSBRAY

14546 E 13TH AVE, AURORA, CO 80011

11/11/2016

LENDER

EZ MONEY LOANS INC.

418 S SAN VINCENTE BLVD

LOS ANGELES, CA 90048

Copyright @ 2016 || EZ MONEY LOANS INC. || Privacy || Terms of Use || Confidential

  • Sep 25, 2019

Subject: earnings withholding order

Case id: bc84273339

Dear

We hereby summoned you on behalf of ez money loans inc. For an outstanding debt of a payday loan taken by you on november 11, 2016. You must answer to the complain herewith served upon you. We are providing details of your account below.

Social security number: 000-00-0000

Loan account number: ezml5478268427

Outstanding debt: $531.39

  • Sep 20, 2019

Eso Money Loan

Just received the same scam exactly like the ones above .

  • May 2, 2019

Money Loan Fraud

I received a similar email today as the above emails stating the same exact words. I did not take out this payday loan in July of 2016. This is identity theft and I will not pay it. What can we do. Please reply ASAP. I have till 5-10-19 to reply.

  • Mar 10, 2019

This is a reminder email about your past due with EZ Money Loans Inc. from a payday loan taken on February 05, 2016. Our records indicate that you have an outstanding balance following non-payment of that loan. Below is the information of your debt: Loan amount: $500.00 Outstanding balance: $639.23 If you fail to voluntary satisfy our requirements for payment of your debt to EZ Money Loans Inc., we will follow court proceedings to enforced collection of the unpaid debt. Earning Withholding Order will follow through if we do not receive good faith payment within two weeks. Collection proceedings through court will damage your credit ratings. We registered online case with Superior Court of California, County of Los Angeles. Please note down the reference number for the case as BC88818641. Please check below information to know further details. Name: TAYSHA T Loan Account# EZML154901642 Address: 7501 *****E SO, MINNEAPOLIS, MN 55423 Phone: (612)203-1026

  • Jan 30, 2019

See prior report 2 emails receive one Jan 30 and another Jan 31 advising me they are taking me to court for $303 and Will be responsible for all court cost.

  • Jan 22, 2019

Re: Court Summons for outstanding loan To Loan Collection Customer Care Jan 7 at 12:40 PM i have never taken out a loan i am a victim of identity theft Hide original message On Monday, January 7, 2019, 11:05:42 AM CST, Loan Collection Customer Care wrote: Date: 01/04/19 Superior Court Of California County of Los Angeles South District – Long Beach 415 W Ocean Blvd, Rm. 203 Long Beach, CA 90802 Name: JULIA LAMBERT Address: 321 S PAULINE ST, MEMPHIS, TN 38104 Phone: (901)691-8311

SUBJECT: EARNINGS WITHHOLDING ORDER CASE ID: BC9630246 DEAR JULIA LAMBERT, WE HEREBY SUMMONED YOU ON BEHALF OF EZ Money LOANS INC. FOR NOT PAYING PAYDAY LOAN TAKEN ON JULY 31, 2015. AS PER THEIR EXPLAINATION, YOU WERE GIVEN ENOUGH TIME TO MAKE PAYMENTS THROUGH VALID PAYMENT OPTIONS.

YOU MUST ANSWER TO THE COMPLAIN HEREWITH SERVED UPON YOU. WE ARE PROVIDING DETAILS OF YOUR ACCOUNT BELOW. SOCIAL SECURITY NUMBER: 415-xxxxxx LOAN ACCOUNT NUMBER: EZML1195799028 UNPAID OUTSTANDING BALANCE: $690.57 YOU ARE SUMMONED FOR VIOLATION OF FEDERAL BANKING REGULATIONS AND COLLATERAL CHEQUE FRAUD.

THE ENTIRE COST OF THE LAWSUIT IS $2579.94 WHICH INCLUDES INITIAL LOAN AMOUNT, DELAY CHARGES, INTEREST, ATTORNEY’S FEE AND CASE REGISTRATION CHARGES. AN ANSWER TO THE COMPALINT, WHICH IS HEREWITH SERVED UPON YOU, IS REQUIRED UNTIL JANUARY 18, 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.

YOU MUST ADDRESS THIS LAWSUIT TO CLERK OF THE CIVIL ISSUES DEPARTMENT IF YOU WANT TO GO THROUGH THE COURT. YOU CAN CONTACT THE COMPANY IF YOU WANT TO PAY WITHOUT COURT INVOLVEMENT. SINCERELY, URIEL OCAMPO PLEASE CONTACT THE COMPANY ON OR BEFORE WHEN: DATE: JANUARY 18, 2019 WHERE: EZ MONEY LOANS INC., 706 S SPRING ST, LOS ANGELES, CA 90014 [email protected] / [email protected] ROGER LAW FIRM, MONTGOMERY ST, SAN FRANCISCO, CA 94133 [email protected]

A screenshot of a cell phoneDescription automatically generated Dear JULIA LAMBERT, This is a reminder email about your past due with EZ Money Loans Inc. from a payday loan taken on July 31, 2015. Our records indicate that you have an outstanding balance following non-payment of loan. Despite sending you several reminders in past in the form or mails, emails and phone calls, we have received no payment from you about your past due account with EZ Money Loans Inc.

Below is the information of your debt: Loan amount: $800.00 Total amount: $1214.60 Outstanding balance: $690.57 If you fail to voluntary satisfy requirements for payment of your debt to EZ Money Loans Inc., we have to follow court procedure to 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 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 in 15 days. Collection proceedings may also hurt your credit rating. We registered online case with Superior Court of California, County of Los Angeles. Please note down the reference number for the case as BC9630246. Please check below information to know further details.

Name: JULIA LAMBERT Loan Account # EZML1195799028 Address: MEMPHIS, TN Phone: We are unable to wait for your payment anymore. We tried our best to help you resolve this issue outside court house. We are taking this case for court proceedings. BC9630246 is your case number. The Lawsuit has been filed. You will receive court summons and other legal documentations till January 18, 2019.

We apologize for the inconvenience you are facing but we will proceed legally. We gave you ample time and have been more than patient with you. We received the commencement date of this case. The suit is already placed, and the case will start on January 25, 2019. You will have to pay a hefty sum of $2864.20 which includes your principle amount with interest, Attorney fees, Court fees and additional administration fees through court procedure. We will see you in court.

We feel there is no recourse but to put your account in the hands of our qualified lawyers to get a lawsuit filed against you. This action will affect your credit rating. We may also report this to the I.R.S. as "bad debt loss” with form 1099-A if payment is not received. We have filed Wage Garnishment Process and ready to contact your employer and Social Security Department. We can offer you to settle this debt outside court house if you wish to make a good faith payment within 15 days after you receive this email.

If you fail to voluntary satisfy requirements for payment of your debt to EZ Money Loans Inc., we will follow court procedure to enforced collection of the debt, which may entail additional expenses for you. Wage garnishment will be enforced if we do not receive good faith payment within 15 days of this email. Enforcing collection procedure may also hurt your credit rating. We registered online case with Superior Court of California, County of Los Angeles.

Please note down the reference number for the case as BC9630246. Please check below information to know further details. 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. Company agrees to give you pay-off discount if you are willing to pay without going through court. 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. The total outstanding amount under your name is $690.57. 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. $172.64 – 11/01/19 2. $172.64 – 25/01/19 3. $172.64 – 08/02/19 4. $172.64 – 22/02/19 We can offer 15% reduction in payoff amount if you want to clear outstanding balance within 15 days of this email.

Please write us back as per your convenience. Please make a good faith amount within 15 days of this email to avoid further proceedings. Late Payment charge of $39.00 will be added if you don't make your first payment till next Friday. With Regards, Douglas Agans [email protected] / [email protected] 706 S Spring St, Los Angeles, CA 90014 Please check below for your consumer loan agreement and court notice filed online in the county of Los Angeles, Superior Court of California.

Please check documents carefully and reply us back if you want to resolve this issue. Note: This is online registration of case. Actual court papers will be mailed at your address once we start legal procedure. We will start legal procedure if you will not make a payment in 15 days. Please check below for the Consumer Loan Agreement signed between JULIA LAMBERT and EZ Money Loans Inc. Consumer Loan Agreement Date: July 31, 2015 Name: JULIA LAMBERT Account: EZML1195799028 SSN: 415-xx-xxxx Address: , MEMPHIS, TN Phone: Loan Amount: $800.00 Total Interest: $414.60 Total Amount Due: $1214.60 For value received, the undersigned JULIA LAMBERT(the "Borrower"), staying at , MEMPHIS, TN , promises to pay to the order of EZ MONEY LOANS INC. (the "Lender"), at 706 S SPRING ST, LOS ANGELES, CA 90014 (or at such other place as the Lender may designate in writing), the sum of $800.00 with interest from August 14, 2015, on the unpaid principal at the rate of 315.27% per annum. 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 $304.00 and the last one to be $302.60, beginning on August 14, 2015, and continuing until September 25, 2015, (the "Due Date"), at which time the remaining unpaid principal and interest shall be due in full. 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, 2015, the Borrower shall be entitled to a discount equal to 15% of the unpaid principle amount immediately prior to such payment. 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.

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, 14% on the second $100, 13% on the third $100, 12% on the fourth $100, and 11% on the fifth and sixth $100. Therefore, the following service fee limits apply: Payday Loan Amount Total Service Fee Limit $ 50 $ 7.50 $100 $15 $150 $25.50 $200 $29 $300 $42 $400 $54 $475 $62.25 $500 $65 $600 $76 Payday loans can be very expensive.

For example, a customer who borrows $100 will be charged up to $15 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 $115 and receives an immediate $100 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 ($15/14 days) is $0.863753. Convert the daily interest charged into an APR: $0.863753 x 365 days in a year = 315.27% While the actual cost of this two-week loan is $15, the annual percentage rate of that $15 is 315.27%.

The payday lender may charge an additional database verification fee of $5.00 per transaction. VIII. SIGNATURES IN WITNESS, WHEREOF this Agreement has been executed and delivered in the manner prescribed by law as of the date first written above. Signed this Consumer Loan Agreement electronically on July 31, 2015 with EZ Money Loans Inc. Borrower: JULIA LAMBERT Lender: EZ MONEY LOANS INC. Address: 706 S SPRING ST, LOS ANGELES, CA 90014 Email: [email protected] / [email protected] Signed By: AMY CRATER (Loan Officer) 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 = $800.00 Payment Number Payment Date Total Payment Interest Amount Pending Loan Balance 0 07/31/2015 $0.00 $0.00 $800.00 1 08/14/2015 $304.00 $104.00 $600.00 2 08/28/2015 $304.00 $104.00 $400.00 3 09/11/2015 $304.00 $104.00 $200.00 4 09/25/2015 $302.60 $102.60 $0.00 Total $1214.60 $414.60 $0.00 Copyright @ 2015 || EZ MONEY LOANS INC. || Privacy || Terms of Use || Confidential

  • Oct 25, 2018

They sent me an email saying that I owed them money from some payday loan that i did not take out. They are also threatening to take out money from my paycheck to pay for this "loan". And I know for a fact that I did not take out a loan with them.

  • Oct 15, 2018

I received an email claiming a court order being filed against me for unpaid payday loan from this company. I have NEVER applied or received funds from this place.

  • Oct 10, 2018

A Robert Wallace emails me from [email protected] with my social and a phone number from 2004 address from 2006 and checking account from 2010 so I believed it I almost paid him 50 dollars but then I asked for proof and he wouldn’t answer the questions.

  • Mar 27, 2019

Same Here..

Has anyone reported this? Happened to me woo today. Thanks.

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