1. Check ‘n Go Settlement
Repayments
December 28, 2012 through
March 28, 2013
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2. Agenda
• Introductions
• Summary of case
• Summary of repayments
• Summary of claim process
• Outreach, www.CALoanRefund.org
• Questions/Discussion
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3. • San Francisco City Attorney Dennis Herrera
and Check ‘n Go have reached a settlement
requiring Check ‘n Go to repay California
consumers who took out certain online
“installment” loans up to $4.3 million.
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4. • The lawsuit was filed on behalf of ALL
Californians statewide against Cincinnati-
based Check ‘n Go alleging that they engaged
in an illicit “rent-a-bank” scheme aimed at
skirting California’s maximum allowable
annual interest rate of no more than 36
percent for that type of loan.
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5. Who is eligible to make a
claim for repayment?
• You are eligible to make a claim for repayment
if: between November 2006 and June 2008
you borrowed a four-month installment loan
online via the web site(s) www.checkngo.com
, www.ilp.fbdul.com and/or
www.commandloans.com.
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6. How much of a repayment?
• The amount of repayment will depend on
each claimant’s particular circumstances and
the total amount of repayments sought by all
eligible claimants.
• Estimated payment range per claimant is
$20 to $4,600
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7. • Payment amount to be paid to each eligible
claimant will be equal to 68.5% of that
claimant’s Base Amount.
• If the combined total of all payment amounts
calculated pursuant to the below formula is
greater than $4.3 million, then each eligible
claimant’s payment amount will be reduced
proportionately to bring the combined total of
all payment amounts to $4.3 million.
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8. • The Settlement Administrator will calculate the
Base Amount by:
– Determining the total amount of interest, fees, and
finance charges that were paid by the claimant in
connection with any of the unlawful loan(s); and
– Subtracting from this total the amount of (i) any
unpaid principal owed by the claimant on any of the
unlawful loans and (ii) any unpaid principal on any
other loan obtained by the claimant from Check ‘n
Go.
– The dollar amount resulting from subtracting unpaid
principal from total interest, fees, and finance charges
paid is the “Base Amount.”
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9. How to claim repayment
• Complete the official Claim Form and provide
a copy of your identification document and
mail both directly to the third-party
Settlement Administrator, Dahl
Administration.
• It must be postmarked by March 28, 2013.
• Accepted forms of identification are listed on
the Notice attached to the Claim Form.
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10. • Check ‘n Go, via the Settlement Adminstrator
was required to make a “reasonable effort” to
find claimants by mailing the Notice and Claim
Form, however people may have moved,
didn’t understand, or mistook the mailing as
junk mail.
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11. How to get a Claim Form
• Download one at www.CALoanRefund.org
• Request one by calling the CALoanRefund/SF
3-1-1 Settlement Hotline toll free: (855) 581-
2350
• Request one by emailing:
CALoanRefund@sfgov.org
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12. How you can help outreach
• “How to Help” tab on www.CALoanRefund.org
• Newsletters
• Email blasts
• Social media posts
• Flyers/Posters
• Contact your local and neighborhood press
• Inserts/Other
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13. • “How to Help” tab on CALoanRefund.org
1. Get updates. Invite your network to join via
Facebook and Twitter
2. Share the web site. One click to share on
Facebook, Twitter, Google+, LinkedIn, email, use
hashtags (also used by payday lenders)
3. Blog all about it. Post a short post on your blog
or Tumblr site, link back to this page. Use
example text provided.
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14. • “How to Help” tab on CALoanRefund.org
4. Download and distribute posters and flyers
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15. • “How to Help” tab on CALoanRefund.org
5. Embed our banner(s) on your website, blog, email
blasts and/or newsletters
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16. • “How to Help” tab on CALoanRefund.org
6. Example articles. “Cut and paste” our sample
articles and posts
• 500+ words
• 250 words
• 100 words
“Share” and “re-tweet” up-to-the-minute content from
www.facebook.com/sfcityattorney and
@SFCityAttorney on Twitter. Look for creative social
media tools at these sights as well
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17. • “How to Help” tab on CALoanRefund.org
6. Example articles. “Cut and paste” our sample
articles and posts
• 500+ words
• 250 words
• 100 words
7. “Share” and “re-tweet” up-to-the-minute
content from www.facebook.com/sfcityattorney
and @SFCityAttorney on Twitter. Look for
creative social media tools on these sites as well.
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18. • “FAQ” tab on CALoanRefund.org answers
these questions
– Am I eligible to make a claim for repayment?
– How do I make a claim for repayment?
– Is there a list of people who qualify? Am I on the
list?
– How can I track the status of my claim?
– When will repayments be made to eligible
claimants? 18

19. • “FAQ” tab on CALoanRefund.org answers
these questions
– Does this settlement only apply to Check ‘n Go?
– Is the Claim Form available in any other
languages?
– Why wasn’t a Claim Form mailed directly to me?
– What are some affordable alternatives to takin
out “pay day loans” from lenders like Check ‘n Go?
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20. Discussion
• Claim Form and information:
www.CALoanRefund.org
• SF 311/CA Loan Refund Settlement Hotline (toll
free): (866) 497-5497
• Email: CALoanRefund@sfgov.org
• Facebook: facebook.com/sfcityattorney
• Twitter: @sfcityattorney
• Kevin Easton, Coordinator, Community Relations,
Office of City Attorney Dennis Herrera
(415) 554-4706, kevin.easton@sfgov.org
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