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Ask about fees applied if youre unable to pay back your loan on time. a fee is often charged if your cheque or pre-authorized debit is returned due to non-sufficient funds these fees can range from 20 to 50 many provinces have rules about maximum fees for non-sufficient funds the amount can be much higher in provinces and territories where the fee is unregulated.
Ask if there is a cooling off period. This is a period, often a day or two, during which you can cancel the loan with no explanation and without paying any fees. The laws in many provinces protect this right. Make sure to get the cooling off period information in writing from the payday lender. Ask for a copy of the loan agreement. read this document carefully before signing it understand the total cost of the loan keep a copy for your sbi personal loan preclosure charges so that you have something to refer to if theres any problem dont sign for the loan if the lender wont give you a copy of the agreement.
The Observer has found a justice of the peace in Harris County who has handled almost 300 hot-check cases, a Class C misdemeanor, for Cash Biz, an Ohio-based payday lender with 24 locations in Texas. Though Class C misdemeanors rarely carry jail time, at least a few people have served time in the Harris County jail to work off their debt, at 300 a day.
Christina McHan failed to repay a 200 loan from Cash Biz near Houston. In November 2012 she was arrested, pleaded guilty, and was assessed 305 in additional fines and court costs.
She spent a night in jail to pay off the debt. In Amarillo, the wife of a military veteran with 23 years of service complained to the Sbi personal loan preclosure charges of Consumer Credit Commissioner that the Potter County Attorney was pursuing theft charges against her husband even though the couple was in bankruptcy.