Loan Max

I got $3,100. Told rate was 30%. I discussed at loan signing that I would pay back the money in 1 day using mom's credit card, was told fine. Received the $3100. Next day as discussed got mom's credit card, went to loanmax wbsite, entered card info in the card payment field, submitted payment, card field empty. Tried 10 times with no results. Went to loan office in Midvale, Utah and talked to the guy that gave me the loan and advised him of problem with website. Loanmax guy now says they don't accept credit cards only debit cards. I advised you wer told I was paying with credit card, he just said they don't accept credit cards. I advised ok. I'll pay with mom's debit card. He said mom has to come in and pay it and sign the slip. I advised not possible, mom's in California. oh well not paying off loan as agreed. I advised I was led to believe 30% rate, but docs say 300%, he says we nhave a contract. I adv ok, i still have $1,850 left from the $3,100 and contract has a right to cancel clause if it's done the next business day. I asked to cancel back the $1,850 to reduce my loan to $1,250. They refused and said the whole $3,100 or no go. I advised there is no stated amount in the right to cancel clause. They denied me my rights, they denied me the method of payment I promised to pay. They lied to me about that and the interest rate. They don't care, I signed a contract. Went home totally shocked and frustrated. Now the first payment is due. I walked in to the office and gave the same guy the $1,850 I still had left over from the $3,100. He took the payment and applied approx. $1,256.00 in interest and only approx $600 something towards the principal. $1,256 interest on the first payment when I tried to give back the remaining $1,850 the next day under right to cancel so it all would have been towards the principal. OMG, I'm totally disputing this loan. Well , time went by and they repossessed my Toyota Tacoma Truck and they say I owe approx. $7,600 and I have to pay it in cash or they are selling my truck. I filed a few complaints, one with the Dept. of Financial Institutions. Their attorney contacted me, said my dispute has no merit, they don't break ny laws, but they'll settle the $7,600 for $4,000 and give me my truck back, but I have to pay in full, in cash by 7/27/23 or the'll sell. I forgot to mention, my truck is needed for my business and all my tools and materials, plus a bunch of other major possessions are in my truck. I advised now I can't work, our grand daughter lives with us and has severe autism and has important therapy she needs to attend regurally and the truck is my family of four's only form of transportation. They don't care. They are only out $1,250.00, not $4,000, not $7,600 and they did cheat me. They don't care and admit no wrong doing. This is a major problem causing company and my life is completely ruined ince 5/7/2023. They have had my truck since 5/17/2023 and are holding it until 7/27/2023, but they admit no wrong doing. Who holds a repo for 72 days without selling it off if they didn't do anything wrong. That right there says that they know things weren't done right, even though they won't admit wrong doing but I guarantee no title loan company with no wrong doings is going to hold a repo for 72 days, absolutely no way. I NEED HELP! I want to sue them and get my truck back immediately. I can't work, my company is a freshly started business that's being destroyed. I'm not going to be able to get them $4,000, I'm not going to be able to pay my rent, buy food, care for our diabled grand daughter, not to mention, I now feel ill, hopeless, stressed, depressed, suicidal, everyone in my family is mad at me for getting the loan. This should have never of happened. I had presented payment in full in a few different ways that was denied. I presented my right to cancel part of the loan per the contract, has no amount specified as the only amount to cancel. This is complete torture, robbery, extorsion, life damaging, unethical, unjust treatment. Help, I'm dying.

I'm in state of Ohio I have to pay then what I owe to get my title back?

I am wondering if I have a case also. I have paid back near 2,000 on a 600 loan on my title. And I still owe more than my loan was for. This is crazy Do I have a case I live in Dayton Ohio.

Took out a $500.00 title loan two years ago and have had to refinance every six months. When I talked to someone today I was informed my balance is still $621.00....after two years on a $500 loan...how is this possible? I have paid almost $3,000.00 in two years to keep these crooks from taking my one and only vehicle. Can someone explain how this is legal please???

They won't take my payments as I am trying to get caught up on my loan. Said my payment amount has to be atleast the minimum amount due. Won't even take $100.

I got a $1,200.00 loan on my car and did not understand the interest rate. I saw 300% but did not know exactly what that meant. Now we have gotten to the point where the payments are so high we can't get caught up. They are threatening to take the car. I as well as them should have realized that I did not earn enough to make the payments, but they did not even ask how much we made. Can they charge that much interest?