WHY CHOOSE ICASHLOANS ? : When you need cash quickly you want to work with a service that is reliable and experienced in the payday loan industry - iCashLoans is both. We pride ourselves on connecting our customers with the best payday lenders to meet their needs. Why waste time visiting dozens of websites trying to figure out which lender will serve you best? iCashLoans is the only site that you need to visit when you’re looking for a fast, secure payday loan.

Cash Loans: "We Search 100+ Lenders Money in Your Account Next Day"

About Us:

Our services are designed to help you find a reputable payday lender to work with. iCashLoans has a large number of lenders in our network, and we are confident that we can assist you in obtaining the best payday loan to meet your needs. Everyone hits a rough patch financially at some point, and payday loans are a great solution for short-term cash flow problems. You don’t have to worry about how you are going to pay an unexpected bill, or cover an emergency expense, between pay checks - iCashLoans is your source for finding payday loans. Using iCashLoans is 100% free to you - we do not charge any fees for our services. When you use iCashLoans you will save time and money. All you have to do is provide us with basic information and we will instantly search our network of lenders to find you the loan that meets your needs. At iCashLoans we pride ourselves on working with lenders that are fair and honest in their lending practices. Our main goal is to provide you with a great experience when searching for a payday lender. All lenders in our network are required by law to follow all of the rules and regulations related to payday lending. Don’t drive around town to visit payday loan shops, and forget about looking at website after website trying to find a loan with fair terms. iCashLoans is the only place you need to go to find a payday loan. We will search our vast netowrk of lenders instantaneously to find you the loan that you are looking for.

Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

Tuesday, September 17, 2013

From Payday Loans To Bank Safe Deposit Boxes - How Safe Are Consumers?

From Payday Loans To Bank Safe Deposit Boxes - How Safe Are Consumers?
Expert Author Holly Petherbridge
Online payday loans can be replaced by a savings account, but is it a good idea to keep your savings in a safe deposit box? The name itself gives most people the idea that whatever gets placed into the deposit box will remain safe and secure. Banks in general project the security, but there is a false belief that personal property is safe within the safe deposit box.

The FDIC secures the money which you keep in your accounts, but it is not responsible for anything placed in the deposit box. The locked fireproof container is not protected by bank insurance, home or renter insurances either. What is there to protect you if your personal belongings end up disappearing? Nothing.

There are dishonest people in all financial industries despite the focus on payday loans. No one is pointing fingers at anyone, but let's face it, bank employees are not always innocent either. Even a few of those in leading positions have been proven to be a bit dishonest in their practices. There are legitimate reasons why a bank would open your deposit box.

*Rental fees have not been paid

*Box unopened for an extended period of time.

*Multiple visits to open box may red flag bankers to be suspicious.

If there are unpaid fees, the bank has the right to auction off the contents in order to collect the missing fees. Some banks "lose" deposit box information and can claim that the rental payment was not paid. The error may be due to dishonesty, negligent or incompetent reasons, but in the end the reason are not important when there is no proof. There are three major threats to personal property stored within a banks safe deposit box.

1. A dishonest bank employee can pretend to lock the inner box after helping the customer get into the vault leaving access for a later point in time.

2. Security and maintenance contractors have access to disable security systems. A dishonest employee will have access to the contents.

3. If the banks determine a reason (negligent or intentional) to drill open the box, thy may or may not inform the customer. If this happens due to unpaid fees and the customer is not informed, the "abandoned" contents have a good chance of being sold at auction.

Who has a legal access to enter your safe deposit box?

*The bank

*Federal government agencies - IRS and Homeland Security may access it with a search warrant

*State government

*Any party with a court order

Most people would even think that illegal practices happen, especially if it has never happened to them personally or anyone they know. Once the bank claims property as "abandoned", it becomes "unclaimed property" by the state. there are some states who work diligently to find the rightful owner. There is property worth billions being held waiting for understaffed offices to find the rightful owners. Some states auction the property off after a period of time and the money gets used to balance budgets.

No matter where your finances are taken care of, you want to be responsible for your accounts and property. Keep track of all records, especially showing proof of payments. Protect yourself as best as you can by following up with company policies and keep photograph records of any valuable in your safe deposit box. Most people are cautious with payday loans online having heard or seen the reports of illegal practices, but banks tend to have earned the underlying trust of most financial customers.

Spotya! Payday Loans does not advocate using a payday loan for just any type of spending. Our loans are meant to be short-term being paid off with the borrower's next paycheck.


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