I am an ex-employee.
It is true that there was too much manager turn-over, which left things feeling unstable. However, the managers I knew (VP of T9, etc.), were good managers from what I could tell.
My salary was a bit higher than other companies pay in Chatt. Like any business, you are going to get paid your replacement value. If you cost $50k and it costs $40k to replace you, then you need to bump up your skill. If you're getting paid $40k and you're worth $50k, the company will probably lose you. This is economics 101.
HEALTH INSURANCE COMMENTERS
Health insurance is what should be expected for the pool size of the company. It's not big enough for $10 copay and $250 deductibles.
IS IT ETHICAL?
If you are about to have a bank overdraft the following day, and you need a quick loan, a Payday loan will save you money over bank overdraft fees. Speaking of which, I find payday loans more ethical than a bank's overdraft fees. A bank charges $35 for their overdraft "loan" and if you have two $0.05 loans, you get charged $70...and you get charged more each day you have a negative balance. In 2008, banks made 24 BILLION in overdraft fees. Around 2003, I had 6 "overdraft fees" for what accumulated to a $3.23 overdraft because of the way they calculated most-expensive to least expensive items and put fees for both actual and 'available' balance. That's the biggest scam I've ever seen, and it was perfectly legal. His company charging $18 vs. the allowed $15 in TN is hardly usury considering we're talking about an international business not a strictly TN business.
I know for a fact that Area 203 Lead follow-up DID TAKE MEASURES to avoid giving loans to anyone who listed an address in a state where the given company was not allowed to operate.
As to shell companies. It seems devious to the "average working American," but when you start paying MILLIONS of dollars to the US government so they can go put people on welfare and run their beaurocracy POORLY...or you can determine which charities use that money better...you might make the same decision, so you can't really judge until you're there. All money passed into the US for salaries, US expenses, etc., is still taxed by US law...shell's don't get around that.
Saying he's a hypocrite for having nice cars??? When you go to mycashnow.com it doesn't say, "get a loan with us and you'll be saving orphans," he's not using charity for publicity. I can't say that the man is genuine because I don't know him...but if he wants to give 1 billion to charity and also wants to spend $200k on a nice car, I don't see that as hypocritical. He's not a catholic priest who took a vow of poverty, he's a business owner who wants to do some good in the world.
Somebody is going to give payday loans because there is a market for it...might as well be CB.