Contest Entries
Dear National Payday:
I know I should only be using the loan for emergencies, however we have
been helping out a family who doesn't have much of anything. The kids Justin (10),
Nathan (6), and Andrea (8) live with their father part time and their mother part time. Their father
works out of his garage fixing cars, in because all of his money goes to child support, even though
he has the kids the same amount of time. I would like to spend some of money on dinner, Out of Africa Wildlife Zoo passes and a fun filled day for the kids, their father Jerry, me and my husband and my 5-year old son, so they could buy anything they wanted and have a day to feel like they are rich both monetarily and in friendships with my family and my son. The father is also driving around without tags, because he cant afford them..I would also like to give him the money to buy his vehicle tags.
I also do this often with my own money so they can have a little fun...despite the antagonistic relationship between their parents. Both parents love the kids dearly..however the divorce has really reeked havoc on their lives and I just want to bring them a little bit of normalcy and fun.
Its really fun..being with my mixed brood of kids varying ages, sizes and colors. You should see the looks we get sometimes…I’m proud of what I do for these kids…and would like to take them somewhere they have never been.
The best use for a payday loan that I have had is that over the past year my husband had injured himself, fell and had to have both of his shoulders operated on (rotator cuff). This created a problem financially for us especially around the holidays as we have 5 children total. This was to be our youngest son's first Christmas and I wanted things to be special for him as well as the rest of our older children. My husband couldn't work for months and was trying to get through rehabilitating his shoulders at Christmas time.. I was extremely worried as I wasn't sure how I could afford to do much of anything for any of the kids. Kind of pulls at your heart... So, I decided to try and get some extra money for Christmas and do what I could for all of the kids.. I applied for a loan through National Payday and got it.. This made our holiday one of the best... The kids got some gifts and I was able to make a Christmas dinner. I definitely appreciated this and I have had the best experience getting a loan through National Payday... no hassels, fusses, just great customer service, respect, you name it... Thanks for everything and saving our Christmas this year. Since the last part of January my husband has been able to get back to work, which we were uncertain as to whether he would be able to work doing his job again... but, he has recovered and all is good.
Sincerely,
Nicole Holloway.
As you all know,Christmas is a very crazy time of the year.And being a somewhat newlywed to a beautiful woman from the ukraine,and having children from a prevous marriage i wanted to have a very nice Christmas.I am a Chicago Bears fan,living and working in a cheese-head state.Ebay had many Chicago Bears things i wanted to purchase for this great team they have had this year,autographed footballs,autographed helmets,the list is endless.Then i got layed off for 2 weeks,and unable to make my payment on time.The National Payday team worked with me on this small crisis,and we worked out a solution,my Christmas and my children was very happy,and full of Chicago Bears things.I highly recommend National Payday to anyone who is in a bind,they are kind and helpfull for you. thank you Thomas W.
In the beginning of December my cable company sent me a bill ten times higher then what it was supposed to be. The bill was for $124.14. I immediately called my cable company to straighten things out, and my new corrected bill was for $12.41.
Now I have an automatic withdraw set up with them where every month they take the balance due. I always figured it was easiest that way because my bill is always low, and I have piece of mind knowing it's been paid.
Well, when I logged into my cable account and viewed my recent activity I found that they didn't take my balance due, they took the balance on the bill. I was fuming mad, and very frustrated. I was assured before getting off the phone just a few weeks prior, that they ONLY take out the balance due, so $12.41 would be the amount drafted from my account.
The first thing I did was check my bank account. It had not hit it yet, so I figured I have to do something, because like many people, I too live pay check to pay check and if that $124.14 was going to come out, my account would be in the negative. We had a lot of small debits that had not come through, so by my calculations we would have been $56.00 overdrawn plus another $228.00 in bounced fees (38.00 each fee @ 6 item) So in total my account would have been $284.00 in the negative.
The next step I knew I had to take was to go to nationpayday.com and request a payday loan. What a relief when just a few hours later I got a call that stated my loan was approved and the money will be in my bank by tomorrow morning.
Now the story doesn't stop there. I called my cable company and asked them to reverse the charges, this turned out to be a two week long process. Meaning I would have had no money at all for two weeks, because once my check would have been deposited, the bounced fees I would have incurred would have eaten it all up.
Because of nationalpayday.com I was able to feed my family, buy diapers, and keep my phone from getting shut off (because the bill was due in the middle of all this).
It was truly a miracle because the next day morning, my loan funds were in my account, and everything else including the $124.14 had all been debited. I could have been in a serious struggle had I not knew about payday loans. I am grateful for the service that nationalpayday.com has provided me.
This was a mistake that was not my fault, and yet my family and myself would have been in a pit, I think the best way to use a payday loan, is to use it in an emergency situation, because once the funds are in your bank account, your stress just melts away and you go back to living everyday like it was before the emergency.
Wilfred Bermudez
People will tell you payday loans are a “rip-off”; that business which offer them are preying on folks who found themselves down on their luck. Often, the interest rates are cited as proof of these claims. Yet if you are reading this, then something has brought you to consider applying a loan. Are these loans worth it? As someone who has had payday loans, I can offer you my answer to that question.
As my ex-girlfriend once said, my life was just 1 large camping trip. Fellas, ask your lady what I mean by “camping trip” if you don’t understand; it took me awhile to figure it out too. A Bachelor’s lifestyle eventually makes you wish life was more like that of a romantic comedy - the movies men cringe at, when their girlfriend or wife says, “Ohhh! I want to see that it looks so cute!”
Recently, I was fortunate enough to reunite with that college sweetheart ex-girlfriend. Believe me when I say, she is the girl that makes me feel like the star of one of those movies; so I ended the camping trip. I managed to save some money to buy her an engagement ring, which I really wanted to give her on our college-day’s anniversary. I found the perfect ring, but I was a few hundred dollars short and running out of time.
I graduated college with a degree in Computer Science which required 30 plus hours a week in the computer lab. I literally lived off credit cards and a meager 20 hours a week minimum wage check; thus I am still paying off the credit card bills and school loans.
I’m sure you can see where this going, but with my deadline approaching: I applied for the loan, received the funds the next day, bought the ring, and won the hand of the love of my life. So is a payday loan worth it? My answer…..very easily an emphatic YES! The payday loan was the best solution to my dilemma. I can’t describe how happy I am now. Now to start saving for the honeymoon! Hmmm, hey National Payday, think I could apply for 1 more loan?
Brian Robinson
