Western Sky Commercials |
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HarshRealm
Commercial Hater
Joined: 23 Jan 2012 Location: New York Status: Offline Points: 26 |
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Topic: Western Sky CommercialsPosted: 24 Jan 2012 at 3:16pm |
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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!!! |
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It's a Harsh Realm
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Thor
Revolutionary
Joined: 16 Apr 2008 Location: California Status: Offline Points: 28311 |
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Posted: 24 Jan 2012 at 3:26pm |
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Scalping, 21st century style.
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timdubya
Honor Roll
Joined: 03 May 2008 Location: Nebraska Status: Offline Points: 1010 |
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Posted: 24 Jan 2012 at 7:30pm |
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The Loan Shark lives.
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PaWolf
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Hoary Ol' Chestnut... doncha know.... Joined: 15 Apr 2008 Location: GreatWhiteNorth Status: Offline Points: 18171 |
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Posted: 24 Jan 2012 at 9:26pm |
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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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X <sig.nature>
"What we do for ourselves dies with us, What we do for others is and remains immortal." - Albert Pine |
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Tiz
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I donated! Joined: 15 Apr 2008 Location: Virginia Status: Offline Points: 10508 |
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Posted: 24 Jan 2012 at 10:25pm |
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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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JasperGretsch
Junior Executive
Joined: 19 Jan 2010 Location: Massachusetts Status: Offline Points: 304 |
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Posted: 24 Jan 2012 at 10:27pm |
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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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MrsHill
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Joined: 15 Apr 2008 Location: New York Status: Offline Points: 10103 |
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Posted: 24 Jan 2012 at 10:30pm |
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Exactly what my husband said!
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CubaLibre88
Commercial Hater
Joined: 25 Sep 2009 Location: Pittsburgh Status: Offline Points: 53 |
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Posted: 24 Jan 2012 at 11:57pm |
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i like his ears ... they're real big
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Mindybolt
Commercial Hater
Joined: 30 Dec 2011 Location: Cartoon Network Status: Offline Points: 227 |
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Posted: 25 Jan 2012 at 12:56am |
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Too buck-toothy for a Native American. But if it is, at least they get their revenge.
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Thor
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Joined: 16 Apr 2008 Location: California Status: Offline Points: 28311 |
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Posted: 25 Jan 2012 at 2:12am |
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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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Mindybolt
Commercial Hater
Joined: 30 Dec 2011 Location: Cartoon Network Status: Offline Points: 227 |
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Posted: 25 Jan 2012 at 2:15am |
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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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Thor
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Joined: 16 Apr 2008 Location: California Status: Offline Points: 28311 |
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Posted: 25 Jan 2012 at 2:32am |
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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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Mindybolt
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Joined: 30 Dec 2011 Location: Cartoon Network Status: Offline Points: 227 |
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Posted: 25 Jan 2012 at 2:39am |
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Harm would look like...oh, I can't bear to say it...
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neoyamaneko
Commercial Hater
Joined: 03 Dec 2011 Status: Offline Points: 44 |
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Posted: 25 Jan 2012 at 8:19pm |
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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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Adgie
Commercial Hater
Joined: 27 Jan 2012 Location: California Status: Offline Points: 10 |
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Posted: 27 Jan 2012 at 9:47am |
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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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Jimbo
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Joined: 19 Apr 2008 Location: Florida Status: Offline Points: 23188 |
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Posted: 27 Jan 2012 at 3:21pm |
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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!!!
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"The American people are not a people anymore; they are an audience." - Kurt Vonnegut
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PaWolf
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Hoary Ol' Chestnut... doncha know.... Joined: 15 Apr 2008 Location: GreatWhiteNorth Status: Offline Points: 18171 |
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Posted: 27 Jan 2012 at 4:40pm |
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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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X <sig.nature>
"What we do for ourselves dies with us, What we do for others is and remains immortal." - Albert Pine |
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neoyamaneko
Commercial Hater
Joined: 03 Dec 2011 Status: Offline Points: 44 |
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Posted: 27 Jan 2012 at 11:05pm |
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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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PaWolf
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Hoary Ol' Chestnut... doncha know.... Joined: 15 Apr 2008 Location: GreatWhiteNorth Status: Offline Points: 18171 |
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Posted: 28 Jan 2012 at 1:05am |
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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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X <sig.nature>
"What we do for ourselves dies with us, What we do for others is and remains immortal." - Albert Pine |
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d4everman
Junior Executive
Joined: 25 May 2011 Location: Fayetteville, N Status: Offline Points: 94 |
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Posted: 14 Feb 2012 at 5:57pm |
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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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"Even the moon is frightened of me, frightened to death!"
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lkl005
Junior Executive
Joined: 11 Apr 2009 Status: Offline Points: 222 |
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Posted: 14 Feb 2012 at 11:10pm |
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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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PaWolf
Revolutionary
Hoary Ol' Chestnut... doncha know.... Joined: 15 Apr 2008 Location: GreatWhiteNorth Status: Offline Points: 18171 |
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Posted: 14 Feb 2012 at 11:40pm |
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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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X <sig.nature>
"What we do for ourselves dies with us, What we do for others is and remains immortal." - Albert Pine |
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Pax Americana
Commercial Hater
Joined: 23 Dec 2011 Location: Missouri Status: Offline Points: 38 |
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Posted: 15 Feb 2012 at 4:10am |
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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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lkl005
Junior Executive
Joined: 11 Apr 2009 Status: Offline Points: 222 |
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Posted: 15 Feb 2012 at 8:45pm |
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