2A NOVEMBER 14, 2013
THE GLOBE, CAMP LEJEUNE, N.C.
BaseLegal Base Legal By M.S. Archer
Payday loans illegal under North Carolina law Consumer Finance Protection Bureau offers free assistance On Nov. 6, the Consumer Finance Protection Bureau announced it is accepting online complaints concerning payday loans and will respond to email and telephone queries from consumers on this topic. Complaints can be submitted online at www.CFPB.gov. The CFPB will contact the business for its reply and notify the consumer. If unsatisfied with the lender response, the consumer can request CFPB to investigate the matter. The CFPB is authorized to initiate civil actions against financial wrongdoers, issue cease and desist orders, obtain financial relief for consumers and impose civil fines. The web site allows the consumer to upload relevant documents for CFPB review. Consumers who have questions concerning payday loans can also ask the CFPB online through “Ask CFPB” or can call toll free 1-855-411-CFPB. Your military legal assistance office can also provide information and can assist you in making a complaint. Payday lending is illegal under North Carolina law, any business governed by the state law should not be issuing payday loans. Long gone are the days of payday lenders outside the gate at military installations around the state. However, the profits involved in lending money at 390 percent interest rates and
higher are too good to resist, so inventive lenders have developed various schemes to attempt to avoid North Carolina law. These schemes include lending over the internet, preparing documents issuing the loan somewhere other than North Carolina and making payday loans through national banks not subject to North Carolina law. If the payday lender is your own bank, it may not even tell you the interest rate, and if you don’t pay it back on time, it will just take the money from your account. If you don’t have sufficient funds, it will add a fee for that, too. Consumers can complain to the CFPB concerning unexpected fees, unauthorized charges to their bank account, payments not being properly credited to their account, receiving a loan they did not apply for, or not receiving money after obtaining a loan. Consumers should also notify the CFPB if they were not provided with the accurate annual percentage rate of interest, or if they were harassed by debt collection in connection with the payday loan. There are also special protections under the Military Lending Act for military service members and their dependents concerning payday loans. Payday lenders are required to ask borrowers if
they are service members or dependents and to get the answer to that question in writing. The maximum amount of interest on a payday loan the can be charged to a service member or dependent for a payday loan is 36 percent APR, including various fees. That’s high, but much lower than the triple digit interest rates usually charged to payday borrowers. A payday loan is a short term high cost cash advance that must be paid back in a very short time, usually a couple of weeks, hence the name “payday” loan. Usually, the borrower is unable to pay back the entire amount when due, and therefore takes out another loan, and another, and so on in a vicious cycle of additional borrowing and debt. Even if you think the conduct of the payday lender didn’t violate the law, you may wish to consult the CFPB because the CFPB will be far better able than you to determine whether the law was violated and if it appears payday lenders are able to deceive and abuse consumers lawfully. The CFPB or other relevant agency may be able to change the rules, amendments to the Military Lending Act are currently being considered to close loopholes; for example, exclusion from coverage of payday loans that involve (or pretend to involve) open ended or revolving credit, like a credit card.
Who would you like to thank for their service this Veterans Day? I would like to thank all who have served or are currently serving. A special thank you to my two Marines currently serving. So very proud of my boys Tyler and Gabriel. Elizebeth Hunter
All the men and women of the greatest generation. B Lee Gitarz Muñiz
Charles Zoog, James J. Bradley and all my brother Marines killed in action Feb. 6, 1966. Chuck Rosnick
All of the forces throughout the globe who fought for freedom. Lloyd Evans
My husband who served in Vietnam and for the other 26 years of his service. I am so proud of him and all the veterans out there. Thank you all.
Over the counter medication safe disposal
Turn in your unused, expired prescriptions for safe disposal at the Provost Marshal’s Office, Building 3, Marine Corps Base Camp Lejeune. The PMO Prescription Drug Drop Box is only for the turn in of “prescription/ over the counter medications.” No liquids, illegal narcotics, needles or biological waist are to be dropped off for disposal. The PMO Prescription Drug Drop Box is located within the lobby of PMO, Building 3, and is available to service members, family members and civilians of the II MEF/MCI East military community 24 hours a day, 7 days a week.
Nancy Weber
My dad, my son, my nephew, my uncles, my friends... and their friends... all our brave military men and women. God Bless America. Ronald Curaba
Traffic Advisories Brewster Boulevard will remain closed in the vicinity of Charles Street until Monday. The new entrance road and gate at Stone Bay will open on Sunday at 7 p.m. The old gate will be closed at that time. If poor weather prevents completion of the paving and striping, the backup date to complete striping and open the new gate is Nov. 24.
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OFF-LIMITS ESTABLISHMENTS The following businesses are designated by the base commander as “off-limits”
*Atheas Attics at 420 Eastwood Road, Wilmington, N.C. BellAuto Salvage II at 136 Abbits Branch Rd., Hubert, N.C. C&K Auto / C&A Auto Repair at 701-A North Marine Blvd. Jacksonville, N.C. Dash-In at 1316 Hargett Street, Jacksonville, N.C. D’s Drive Thru at 226 Wilmington Highway, Jacksonville, N.C. D’s Quick Mart at 2840 Highway 258 West, Richlands, N.C. Discount Tobacco at 331 G&H Western Boulevard, Jacksonville, N.C. *Expressions at 419 South College Road #39, Wilmington, N.C. Express Way at 1261 Gum Branch Road, Jacksonville, N.C. King’s Drive Thru at 1796 Gum Branch Road, Jacksonville, N.C. Laird’s Auto and Truck Repair (U-Haul Rental) at 1197 Piney Green Rd., Jacksonville, N.C. Moe’s Mart at 2105 Belgrade Swansboro Road, Maysville, N.C. *MP Super Discount at 800 Shipyard Blvd, Wilmington, N.C. New York Tobacco Center (a.k.a Tobacco for Less) at 439 Western Boulevard, Jacksonville, N.C. *Northern Lights Smoke Shop at 4710 Market St, Wilmington, N.C. One Stop Shop at 501 Corbin Street, Jacksonville, N.C. *Price is Right Lawn Design at Jacksonville, N.C.
Smart Buy at Jacksonville, N.C. Smitty’s R&R at 3742 Highway 17, S.C. (South of Myrtle Beach, S.C.) Tobacco at 521 Yopp Road, Unit 106, Jacksonville, N.C. Tobacco Club at 487-B Western Boulevard, Jacksonville, N.C. Tobacco House Cigarette Center at 1213-C Country Club Rd., Jacksonville, N.C. Tobacco Leaf at 215 Western Boulevard, Jacksonville, N.C. Veterans Affairs Service Jacksonville, N.C. (This is a private organization not affiliated with the Department of Veterans Affairs or the VA Outpatient Clinic.)
MCAS Cherry Point Area 98 Cent Only Store (Big Daddy) Wesley’s Grocery Coastal Smoke Shop Expressions Friday’s Night Club (a.k.a Club Insomnia, Club Classics, Infinity Lounge) H&D Express a.k.a Citgo Nadine’s Food Mart Super Expressway Tobacco Outlet (Havelock and New Bern) Tobacco Shop & Gifts (Beaufort and New Bern) Tobacco Town Tobacco Shop (Newport and New Bern) Twin Rivers (Not the mall) White Sands Convenience Store
*Identifies a new business added since the last update of the Bulletin March 28.
Hotline numbers to report fraud, waste, abuse and corruption II MEF Hotline - (910) 451-5555 marines.mil/unit/iimef/Pages/Contact-Us/default.aspx MCIEAST Hotline - (910) 451-3928 lejeune.usmc.mil/ig/ TECOM Hotline - (703) 432-1650 tecom.ighotline@usmc.mil Naval Hospital Hotlines - (910) 450-4154/4155 med.navy.mil/sites/nhcl/Pages/feedback.aspx MARSOC Hotlines - (910) 440-1045/0941 marines.mil/unit/marsoc/Pages/ig/Inspector-General.aspx
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Commanding General, Marine Corps Installations East, Marine Corps Base Camp Lejeune Brig. Gen. Robert Castellvi Public Affairs Director Nat Fahy Public Affairs Chief Gunnery Sgt. Ryan O’Hare ryan.ohare@usmc.mil Managing Editor Ena Sellers ena.sellers@pilotonline.com Production Chief Sgt. Jennifer Poole jennifer.poole@usmc.mil Layout Editor Victoria Butler victoria.butler@pilotonline.com
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