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Western Sky Commercials

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HarshRealm View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote HarshRealm Quote  Post ReplyReply Direct Link To This Post Topic: Western Sky Commercials
    Posted: 24 Jan 2012 at 3:16pm


We all have seen these commercials, can't find the current one.

They state:

Not a payday loan
No Obligation
No cost to apply
Yes it's expensive!!!

from their website:
The APR for a typical loan of $2,600 is 139.24% with 36 monthly payments of $298.94.

So if you Borrow $2,600, you pay $10,761.84 in 3 years.

Outrageous!!!
It's a Harsh Realm
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Thor View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Thor Quote  Post ReplyReply Direct Link To This Post Posted: 24 Jan 2012 at 3:26pm
Scalping, 21st century style. 
 
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote timdubya Quote  Post ReplyReply Direct Link To This Post Posted: 24 Jan 2012 at 7:30pm
The Loan Shark lives.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote PaWolf Quote  Post ReplyReply Direct Link To This Post Posted: 24 Jan 2012 at 9:26pm
Anyone in their right mind would be better off selling themselves before falling into Western Sky's traps - and I am not joking.
No...we are not customers - I just know who they are.
Those are NOT 'Payday Loans' and are not regulated, so they can tack on 'origination' and other silly fees that simply cannot be logically explained - and cannot be legally attacked (since they ORIGINATE in native american properties).  
 
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Tiz View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Tiz Quote  Post ReplyReply Direct Link To This Post Posted: 24 Jan 2012 at 10:25pm
Says in that video, they are a Native American company. Maybe they're just screwing the white man like they got screwed.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote JasperGretsch Quote  Post ReplyReply Direct Link To This Post Posted: 24 Jan 2012 at 10:27pm
Anyone who falls for this trap honestly deserves it. If you need $2,000 that badly, chances are you don't have the extra $300 a month to pay it off. 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote MrsHill Quote  Post ReplyReply Direct Link To This Post Posted: 24 Jan 2012 at 10:30pm
Originally posted by Tiz Tiz wrote:

Says in that video, they are a Native American company. Maybe they're just screwing the white man like they got screwed.
 
Exactly what my husband said!LOL


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Post Options Post Options   Thanks (0) Thanks(0)   Quote CubaLibre88 Quote  Post ReplyReply Direct Link To This Post Posted: 24 Jan 2012 at 11:57pm
i like his ears ... they're real big
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Mindybolt Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jan 2012 at 12:56am
Too buck-toothy for a Native American. But if it is, at least they get their revenge.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Thor Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jan 2012 at 2:12am
Originally posted by Mindybolt Mindybolt wrote:

Too buck-toothy for a Native American. But if it is, at least they get their revenge.
 
Then they're just getting their revenge on people in need, not on the American government.  That's not really revenge; if anything, it's the oppressed taking on characteristics of their oppressor.  "You gave us a raw deal, now we'll give someone else a raw deal".
 
Their interest rates are probably considered usurious and might even be illegal.  But I don't know if their "sovereign nation" status allows them to do what they want.
 
 
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Mindybolt Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jan 2012 at 2:15am
Is it considered "wrong" to get the feeling that they have Stockholm Syndrome now--or at least signs of it? I mean, being oppressed for so long does mold the mind strangely...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Thor Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jan 2012 at 2:32am
Originally posted by Mindybolt Mindybolt wrote:

Is it considered "wrong" to get the feeling that they have Stockholm Syndrome now--or at least signs of it? I mean, being oppressed for so long does mold the mind strangely...
 
That's a whole other subject.  I don't think all the government programs designed to help them, have helped them at all.  Most reservations are sh*tholes, and Indians tend to have a high incidence of alcoholism and meth addiction.  If this is the "help" we give them, I'd hate to see what "harm" would look like. 
 
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Mindybolt Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jan 2012 at 2:39am
Harm would look like...oh, I can't bear to say it...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote neoyamaneko Quote  Post ReplyReply Direct Link To This Post Posted: 25 Jan 2012 at 8:19pm
It *is* a payday loan scam, or at least they operate in the same realm with the same outrageous payback rates.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Adgie Quote  Post ReplyReply Direct Link To This Post Posted: 27 Jan 2012 at 9:47am
I'm sick of this commercial. I live in California, so it plays constantly. It just sounds so rude.
And everyone talking about "that's their payback" is crazy. I'm Native American and I never suffered. My ancestors did, and that's very unfortunate, but anyone who thinks it's fair to the people today who have done nothing is crazy.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Jimbo Quote  Post ReplyReply Direct Link To This Post Posted: 27 Jan 2012 at 3:21pm
Originally posted by JasperGretsch JasperGretsch wrote:

Anyone who falls for this trap honestly deserves it. If you need $2,000 that badly, chances are you don't have the extra $300 a month to pay it off. 
 
Oh, I dunno.... I can imagine a scenario in which a person might need a quick couple of grand knowing they'll have the money to pay off the loan in another month or two, but don't qualify for a traditional bank loan.
 
Say for instance, a guy needs a couple of grand to buy enough materials & ingredients to set up a meth lab, knowing that soon after he gets a big 'ol batch cooked up, he'll be able to take it into town & sell it to a distributor for 3 or 4 times what he has invested in it, thus enabling him to pay off the loan early, avoid all that confiscatory interest & pocket a nice profit.
 
Sounds like good 'ol American ingenuity to me!!! Thumbs Up
 
 
"The American people are not a people anymore; they are an audience." - Kurt Vonnegut
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Post Options Post Options   Thanks (0) Thanks(0)   Quote PaWolf Quote  Post ReplyReply Direct Link To This Post Posted: 27 Jan 2012 at 4:40pm
Originally posted by Jimbo Jimbo wrote:

Originally posted by JasperGretsch JasperGretsch wrote:

Anyone who falls for this trap honestly deserves it. If you need $2,000 that badly, chances are you don't have the extra $300 a month to pay it off. 
 
Oh, I dunno.... I can imagine a scenario in which a person might need a quick couple of grand knowing they'll have the money to pay off the loan in another month or two, but don't qualify for a traditional bank loan.
 
Say for instance, a guy needs a couple of grand to buy enough materials & ingredients to set up a meth lab, knowing that soon after he gets a big 'ol batch cooked up, he'll be able to take it into town & sell it to a distributor for 3 or 4 times what he has invested in it, thus enabling him to pay off the loan early, avoid all that confiscatory interest & pocket a nice profit.
 
Sounds like good 'ol American ingenuity to me!!! Thumbs Up
 
 
ConfusedSorry, ol'Mule. Farthest thing from the truct - this is separating an idiot from their future. The rules here are not governed by what U.S. Citizens vote for, much less what they expect  - this is American Indian Highway Robbery; you take advantage and you WILL get screwed without any 'KY'.
Let me put it this way - but ya got to promise to NOT call the cops - let me put a gun to your head and take your income; don't ask questions and please smile. And, well...don't forget - keep that smile and know 'I love you', eh?
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote neoyamaneko Quote  Post ReplyReply Direct Link To This Post Posted: 27 Jan 2012 at 11:05pm
You just make sure they will FAX, e-mail, and/or mail a hard copy of the contract to you. A lot of these payday lenders refuse to do this because if you don't have a signed agreement from them, they are free to alter the agreement as they see fit and keep you under their thumb forever. There are people that you can check online that have had thousands sucked out of their bank accounts by these companies when all they borrowed was a couple hundred.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote PaWolf Quote  Post ReplyReply Direct Link To This Post Posted: 28 Jan 2012 at 1:05am
You can usually get a copy of the agreement (contract) before you electronically sign it - and THAT is the 'catch'. ER/ES (Electronic Recod/Electronic Signature) RFCs 3126 and 5126 will hold you legally binding. ABSOLUTELY ensure you save off and also print a copy of any contract you enter into online. In other words, if ya agreed to it and clicked 'okeydokey', you are pretty much legally bound (or screwed - however you want to look at it). 
 
~~~and now, how about a little 'reference stuff' NOT totally applicable to the thread subject unless you enter into an agreement online - up to you if you wish to consider it when it is applicable - but I suggest you always do (a good habit!)~~~
 
RFC is a technical/legal term - 'Request For Comments'. You see it all over the place and know it refers to a legally-binding specification when you see it in CAPS. It is very often used with any product that might be of interest to the Securities and Exchange Commission. Very often observed in technical and medical fields. These are VERY important and protect the consumer by establishing, in many ways, 'guidelines'. 
When one enters into agreements on the Internet, they are pretty much bound by the ER/ES RFCs.
Aaaand when your identity gets stolen, theives hang you by binding you to agreements that are damned near impossible for you to prove you didn't enter into.
 
Now, in regard to CAPS in a contract: 
In any contract, when anything is specified in CAPITAL LETTERS, look for clear definition - it always means there is a 'deeper meaning' - NEVER 'just assume' 'it is all good'.
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote d4everman Quote  Post ReplyReply Direct Link To This Post Posted: 14 Feb 2012 at 5:57pm
I make it a point to warn young soldiers about places like that outside of many military posts. Its a rip off and its disgusting. I fell into that trap in my younger days by getting a credit card from some high interest "bank". (man, i can't remember the name....which I guess is a good thing. I was angry for years afterwards) Never used the card AT ALL but got charged outrageous monthly "fees". Told them to cancel the card and they still kept billing me. Finally I decided to just not pay 'em. But I wanted my credit cleaned so I ended up having to pay off about 800 bucks to a card I'd never even used.
 
Since then I've been leery of any loan advertisement. Hell, even the military's STAR card is a rip off. I haven't used mine since about 2000 and I;m just now paying it off. That means the stereo and TV I bought in 1992 at the PX cost me a few grand! Loan sharks and credit cards are a rip off. Even Discover. I *had* a discover card....never used....in 2001. Got rid of it since I didn't need it. They wanted me to pay some "fees". Ended up paying them 600 bucks to get it out of my credit when I bought my house. It came out of closing costs but it irked me, too. I won't get another credit card ever. I thought Discover was somewhat legit. ( long story on how I got the discover card in the 1st place.)
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Post Options Post Options   Thanks (0) Thanks(0)   Quote lkl005 Quote  Post ReplyReply Direct Link To This Post Posted: 14 Feb 2012 at 11:10pm

We have made many donations to local indian economy through the one armed bandit. It is fun to win, but when you buy a room, at the casino, and then your credit card number gets ripped off. That will leave a nasty taste in your mouth. 

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Post Options Post Options   Thanks (0) Thanks(0)   Quote PaWolf Quote  Post ReplyReply Direct Link To This Post Posted: 14 Feb 2012 at 11:40pm
LOLFunny you should mention that.
There are many reasons to respect the rights of the Native Americans, but then again, sometimes they'll let it all go to all-time new lows, if one is stupid enough to not be able to control themselves on their land.
Some people are SO full of themselves and forget where they are and when they can't simply "call the police". No matter where one goes, they *must* remember how to act - and THAT is not act like you have any influence over where you are (you are a VISITOR).
Event from 'South of the Border', last weekend (Grisanti's wife suffered the worst; she got the living crap beat out of her in the adjoining 'cat fight'):
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Pax Americana Quote  Post ReplyReply Direct Link To This Post Posted: 15 Feb 2012 at 4:10am
Originally posted by Tiz Tiz wrote:

Says in that video, they are a Native American company. Maybe they're just screwing the white man like they got screwed.


The people who get screwed by these types of companies are people on the low end of the income spectrum, and who have difficulty getting credit elsewhere.  That demographic hits minorities, including native amerinds, in much higher percentages than it does to white... so who is REALLY getting screwed here?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote lkl005 Quote  Post ReplyReply Direct Link To This Post Posted: 15 Feb 2012 at 8:45pm
Originally posted by PaWolf PaWolf wrote:

LOLFunny you should mention that.
There are many reasons to respect the rights of the Native Americans, but then again, sometimes they'll let it all go to all-time new lows, if one is stupid enough to not be able to control themselves on their land.
Some people are SO full of themselves and forget where they are and when they can't simply "call the police". No matter where one goes, they *must* remember how to act - and THAT is not act like you have any influence over where you are (you are a VISITOR).
Event from 'South of the Border', last weekend (Grisanti's wife suffered the worst; she got the living crap beat out of her in the adjoining 'cat fight'):
We never see any problems and certainly are not going to cause any as long as that cute little squaw keeps the cocktails coming. Big smile
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