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Posted: Mon Nov 24, 2008 3:11 pm Subject: Check into Cash coming on my JOB!!!

I'm pissed off at this guy that is the store manager of Check into Cash. He showed up to my job today. This is the second visit from him within a 3 week period.

I think this is a form of harassment. What can I do? This is a storefront loan in the state of Texas. He has no right to come on my job especially when I have asked him not too. Yes I'm behind on the loan but he still doesn't need to be showing up on my job like im going to pull out money right then and there.

Advise anyone.....

thanks...

PDL Owner · Posted: Mon Nov 24, 2008 4:09 pm Subject:

He has every right and is expected by the company until you tell him not to. You state that he has been informed not to visit you employment, then call the corp office and they will stop it.

Posted: Mon Nov 24, 2008 4:49 pm Subject: Check in to cash coming on my JOB!!!!!

Oh really, pdl owner???!!! I can't wait to see what other members on this forum tell you! That is, if you're for real!!!

PDL Owner · Posted: Mon Nov 24, 2008 4:54 pm Subject:

I spent many years with that company before I ventured out on my own. Regarding CIC, there will bo no one on this forum with more information. Call a store and ask them about Field Calls, that is the term they use.

Want to test me any further?

Posted: Mon Nov 24, 2008 5:47 pm Subject:

PDL owner has been offering up some wonderful advise in this this forum.

Posted: Mon Nov 24, 2008 6:44 pm Subject: reply

what's wrong with what PDL owner said?it sounds like good advice to me.

Posted: Mon Nov 24, 2008 6:55 pm Subject:

PDL Owner is right - Field calls are not illegal.

You should put your request in writing and send it to both the branch office and the corporate office. That way it is documented that you requested him to stop coming to your job.

Another thing you can do - if you're cool with H/R or one of the "higher-ups" -- they can draft a letter on behalf of the company stating he is no longer allowed on company property and will be considered trespassing if he comes back. That should stop it for sure.

Preventing him from coming to your work won't solve the underlying problem, though. If there is an indebtedness owed to the company, you should make arrangements with them -- or else they may resort to a lawsuit.

PDL Owner · Posted: Mon Nov 24, 2008 7:25 pm Subject:

Thanks guys...

Don't waste your time with a letter or dealing with the store, call 800-504-9101 and speak with Eric Johnson. He is the Reg VP for your area. CIC will generally error on the side of caution if you get that high on the "food chain".

Let me know what the outcome of your call is and then we can plan our next move if necessary.

Posted: Tue Nov 25, 2008 9:09 am Subject: check into cash coming on my job!!!

As a matter of fact, pdl owner, I DO want to test you further!!! For one thing, I did NOT say "field calls" were illegal! And, of course, since you, as a pdl owner, make money from these types of loans, see nothing wrong in going to a person's job! DUH!!! Just because something isn't illegal, doesn't make it right!!! And, fyi, I realize that any creditor has the right to contact you in any way they want to, until they've been told not to. But again, just because it's not illegal doesn't make it right!!! That type of harrassment, in my opinion, is just one of the MANY problems with pdl's. And, if my memory serves me correctly, I am as entitled to my opinion as you are yours!!!

PDL Owner · Posted: Tue Nov 25, 2008 9:52 am Subject:

You are correct, you ARE entitled to your opinion. If I miss understood you sarcasm, I apologize.

The issue at hand is that some people come here for guidance and assistance with thier problems. When you start throwing around your "opinion" and it is incorrect, you do not aid those in need.

You are correct that I make money off of these types of loans and again, you are correct that I do not see an issue completing a field call. I do this because I run a "for profit" business that is regulated, audited and complies with the regulation in the states that I operate. By being a "for profit" business, I have an obligation to my share holders to collect the money that is loaned to people that VOLUTARILY walk thru my door to borrow. I do not force anyone to bring me information, complete a Profile Sheet and write me a check. I also explain the terms that we are agreeing to and even call them the night before as a reminder. Am I going to use all of the legal tools to collect my money, which allows me to put food on my table and clothes on my family's back? Yes.

If you really want to help people, which is what the Mods and a few other here want to do, then make sure that you are able to seperate your opinion from what will actually help those in need. Also, why is a legal, licensed lender held to different standards in your eyes?

BTW, you may not like what I have to say, but I would challenge you to refute my statements. I will fight for the legal, licensed lenders, while trying to educate those on this thread of thier practices and how to work with them. On the other hand, I stand beside the purpose of this forum regarding the unlicensed, offshore lenders and how to avoid them at all costs.

Posted: Tue Nov 25, 2008 11:17 am Subject: thanks for the advise

I'm not trying to get out of the debt. I will pay off what I owe I just want him to quit showing up at the office where I work. Before I don't have a job to pay anyone.

Again he has been told by me not to come to my place of employment. I have also informed my boss that if he does to tell him he is trespassing.

I will be sending a letter to the branch office and corp to have him quit coming on my job. Or it will get UGLY!

PDL Owner · Posted: Tue Nov 25, 2008 11:29 am Subject:

Kym,

As I stated before, call the number above today and the visits will stop. If he decides to come back after your call, then call the police. Based on my experience, when you call Eric, he will get the Reg Mgr, District Mgr and Center Manager on the phone and explain the situation. Your account will immediately be transfered to collections where you will make payments. If that is not the scenario, it will go to collections on the 4th of the month after it is 30 days past due. They will then deposit the check if the acct is open and then accept payment arrangements. When you speak to Eric, stay calm and explain your situation clearly. If you get mad, yell, scream and threaten him, you will get nowhere. At this point, the only thing that they have done wrong is coming to your employment after you asked them not to and that will stop. If by chance Eric is not in, you may speak with Sue or Frank. Sue is the VP of another region and Frank is the Sr VP of Operations over all of the Reg VP's.

Make tha call and let me know how it turned out!

Posted: Tue Nov 25, 2008 11:41 am Subject: check into cash coming on my job!!!

Spoken like a true pdl owner!!! Sorry, but I won't buy that bridge!!! If you're proud of how you make a living, then good for you, but I've posted my experiences with pdl's on this forum, and hopefully there's been people that have learned something from them.

Posted: Tue Nov 25, 2008 11:49 am Subject:

Susie....I used to be a debt collector and a damn good one at that! I was posting and advising even when I was still working the industry. PDL owner is here to advise and to give industry valid information, just like I used to do and still do.

I had a bad experience with a dentist, but you dont see me beating them all up do you?? Opens your eyes a bit.....he is wonderful resourse.

Posted: Tue Nov 25, 2008 11:55 am Subject:

Great posts pdl owner. Your insight is a wonderful addition to this forum.

Posted: Tue Nov 25, 2008 11:56 am Subject:

I don't understand why everyone continues to bash PDL Owner. You may not agree with his/her way of making a living, but he/she is offering good advice on how to properly deal with LEGAL pdl's.

PDL Owner, thanks for your advise.

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