Following Mejia v. DACM, Inc. (2020) 54 Cal.App.5th 691, this decision affirms an order denying a motion to compel arbitration.  As in Mejia, this decision distinguishes Clifford v. Quest Software Inc. (2019) 38 Cal.App.5th 745, saying it involved only the defendant’s employees, not the broader public which this suit sought to benefit by an injunction against defendant’s allegedly unfair practices in making small loans at exorbitant interest rates.  It slso holds that the poison pill clause in the defendant’s arbitration agreement nixed the entire arbitration agreement when McGill invalidated its class action waiver.  The court rejected defendant’s argument that the poison pill clause was effective only if the trial court’s ruling invalidating the clause was first affirmed on appeal.