Of the 45 victims interviewed, 11% provided information that was consistent with what the physical abuser stated, without adding any new information, suggesting that the abuser and official records were providing fairly accurate information. It should be noted that these victims appeared credible and honest. There was no information suggesting that they were withholding or minimizing the abuser’s violent history.

The majority of the victims provided information that was consistent with that provided by the abuser but also added additional information. Most of the victims (89%) also provided rich information indicating that the physical abuser had minimized the violent/abuse history and degree of violence used. Sixty-nine percent of the victims indicated the violence had occurred over a longer period of time and that the abuser engaged in more significant force and violence than the abuser or the official records indicated. Many victims indicated that the abusive and violent behavior began long before the index offense and had been occurring for years. Some indicated the abuse was not necessarily occurring frequently while others indicated that the abuse was occurring weekly. Four percent reported that the abuser had violated orders for protection on numerous occasions and that they had not previously reported these violations. Four percent reported that the abuser had stalked them. Without gathering collateral information the severity of the physical abuser’s violent and controlling behavior, including stalking, would not have been identified.

Thirty-one percent of the victims reported that the physical abuser had been abusing alcohol and/or drugs more frequently or severely than what the abuser had reported. Most indicated that the abuser was under the influence of alcohol and/or drugs when the status offense occurred but none were clear that the abuser was in fact intoxicated at the time.

Victims also provided valuable information concerning the physical abuser’s sexually violent and abusive behavior. Sixteen percent of the victims reported that the abuser’s use of pornographic material was a concern and that they viewed the abuser’s use of the pornographic material to be another form of abuse. Nine percent of the victims alleged that they had been raped by the abuser on at least one occasion, though most of these 9% indicated that the abuser had forced sexual contact on numerous occasions. Interestingly, only (4%) complained of their batterer demonstrating jealous behavior.

Representative APR 391%

Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: 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.

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