Payday Loan Harrasment

I had a payday loan from Check N'Go in Indiana and was put on a payment plan for the final loan. I went to this place several times before and had always payed the amount in full on the due date. The last payment was for $100.00 dollars and I had to move and did not have the money to pay the last installment. This was six months ago, now this India guy, who I can barely understand, suddenly started callling me yesterday leaving very serious sounding messages. So today I answered the call and he said that now I owe 800.00 dollars and I had to pay it by 3pm that day or I would have to goto court that friday and pay five thousand for court costs ect... This was Wednesday at 1pm, and he said he was in Florida and to send the money by getting a Wal-Mart pre-paid visa card and faxing the card information or I'd be facing criminal charges. I told him I only owed $100.00 and I would pay that, but he said that wouldn't do; I still went and got a paper notorized and sent the $100 dollars(He did have my personal info so I knew it was not a scam and I did owe the 100 dollars); but about three minutes after faxing the information he calls me again and says that's not enough. He said the interest was 300% so I now owed 800 dollars. I told him I send back the money I borrowed and that's all I can afford and he said I need to send more by Friday. He even called my brother's phone. What should I do now? He's threathening and harrassing me and my family. Can they really bring criminal charges against me? Like I said I had always paid back the loans until this final 100 dollar installment payment, but now I've sent them the 100 bucks. Any advice, facts, or info would be greatly appreciated. Thank you very much, and I'll never deal with any pay-day loan places ever again, this is crazy!

They can't not have criminal charges against you. Read the following discussion of you wan to know more.

http://www.debtconsolidationcare.com...e-tactics.html

However, the lender can sue you for the debt if they are legal. Try to contact the lender directly to check your options. Following is the contact detail of ChecknGo.

Phone: 1-888-3-PAYDAY
E-mail: comments(at)checkngo.com

Hope it helps.

Something just isn't right here, these people need to be reported asap! Checkngo has obviously shared your information with some form of criminal collectors, that alone would scare me into contacting the local authorities and filing complaints asap with the FTC (link in my signature) and your attorney general's office. This is a very serious situation you have on your hands and should not be taken lightly. There is no other way this collection agency got your information besides from Checkngo. Checkngo is a licensed lender but should be informed of this situation, you need to get in touch with someone at the Checkngo corporate office to find out who they sold your debt to because just the fact that they have made these illegal threats is very alarming. Please follow through with contacting the proper authorities and filing complaints with detailed information about your situation!
If you have given your personal account information to these people who called it means your account has now been compromised, you need to go into your bank and speak to the branch manager, let them know your account has now been compromised and you need to close that account asap! If you have any further comments or questions about this please do not hesitate to ask. I am concerned about you!

ChecknGo is pretty reasonable to work with. I called them and explained my situation and they allowed me to payback only the principal amount of my loan, in 3 payments. They also sent me the PIF after I paid. Ask to speak with an account manager NOT the collections department.

It may indeed be a scam, I once about 6 months ago received a phone call stating that I still owed a balance on my PDL from Cashnetusa. I didn't owe them anything. They had my personal information, but it was a scam, they told me I would be in jail by Monday if I didn't pay them right then. I hung up, and contact Cashnetusa, and told them I thought my information had been stolen. I also tried to call the number back and it was a cell phone that wouldn't receive calls. You should call the PDL directly and find out if there really is an issue.

I would also verify that they got the last $100 that you paid them and if they did, ask for a PIF letter to be sent to you immediately. That way, if you get other calls from the scammers, you can hang up on them, since you have the proof. At any rate, report this to Check N Go immediately!

Hello adam_beretta,
My name is Matt and I am the Director of Check 'n Go's online division. It appears that your loan was with one of our Indiana store locations. When I found your post I quickly notified the President of our in-house collection agency. He was able to track down your loan and has sent you an email concerning your experience.
Please know that who ever was calling you was not a Check 'n Go associate and had no affiliation with Check 'n Go or any of it's companies.
Thank you,
Matt

This is interesting, hopefully Adam will come back and respond, I would love to hear the outcome. There have been a few members with similar complaints about Check N Go not honoring the EPP, yet, they are members of the CFSA. According to the CFSA, ALL members must adhere to the guidelines set forth by the CFSA in order to remain a member.

i had this same experience from a india guy claiming to be with some from quikcash.