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Posted: Tue Jul 01, 2008 6:34 pm Subject: Checksmart YURG!!! I can't take it!!!

Why must they be so difficult??? I'm using T & C you know, but Checksmart will be the death of me!!! They have called everyday for days on ends, the cooperate office, the store front...over and over...I call them all back every time to say, I'm not paying you in full!!! I can't pay you in full!! Now today of course they did the "well go to our sister store and reborrow" OMG, if I could have reached through the phone... I even talked to the girl in their legal department and told her I had to talked to the check mediation lady downtown which I did, and she was like, "Oh well you are not in my deparment yet it could take months and sometimes it doesn't come to my deparment sometimes it goes straight to a lawyer and then that would add several hundred dollars in fees, which I know you don't want, blah, blah, blah, I swear....I mean I have been so upfront with each person I've talked to, they are full of ********!! So, if they do turn it over to a lawyer, what does that mean, just a collection agency or sue me???

I've gotten all my other accounts pretty straight and T & C sent payments to all last week, I check today and all but one creditor has received and posted the payments to our accounts, but I can't take checksmart...I know I screwed up, I know I should have NEVER taken out the loan, but I can't fix that part now......My husband says they are just trying to get me to break, but in my husbands words, "We can't afford to break"....

Thanks for "reading me" Reny..

Posted: Tue Jul 01, 2008 6:47 pm Subject:

Hang Tight Reny, they are a bunch of boneheads. Eventually they will have to work with T&C. Even if it is turned over to a collection agency. They will ultimately settle because you are not going to reloan Wink

Stay Focused, and let T&C take the calls from now on, that is why you are paying them. Smile

Posted: Tue Jul 01, 2008 6:58 pm Subject:

Yes, why don't you tell them AGAIN, in writing, that you are using T&C, and that they will need to contact them regarding payments. Then just hang up the phone when they call or don't return their calls.

I have one credit card company that still calls me daily (all the others have backed off to once or twice a week), so I told the supervisor that I would no longer discuss the account on the phone (after sending it in writing and being ignored). Now when they call daily, I just hang up as soon as they say who's calling!

Posted: Wed Jul 02, 2008 5:21 am Subject: reply

i agree imale,you are paying T&C for a reason.let them know
what is going on.

Posted: Wed Jul 02, 2008 6:49 am Subject:

If I remember correctly, Ryan N went through a similar experience with Checksmart. They didn't cash any of his T&C checks.

Posted: Wed Jul 02, 2008 9:32 am Subject:

Have they threatened to sue?? Confused

And has your loan been in default longer than 30 days?

Posted: Wed Jul 02, 2008 11:15 am Subject:

As most of you know, I'm with T&C and had problems with Checksmart and Express. When I went to mediation, the person who represented Checksmart said they never cashed any of the checks and they should have been returned to T&C. I do not know if they cashed my checks after mediation but T&C never received any of the checks back. My account with them is now paid in full from T&C. Checksmart will take the checks and T&C will call you if any checks are returned. With these businesses, you do not know if they are lying or not. Wish they would be honest instead of saying we sent them back. If you want, call T&C weekly to see if they had any checks returned. Within my first two months, all I had to say was hey it’s me and they knew my name. I was on the phone with them weekly to see any checks returned, who signed their proposal, and if a check has been cashed or not. Also call next week to T&C and ask them if the check has cleared. T&C will call up their bank and research it for you. I know it helped to hear T&C say the check has been cashed. Buckeye legal department will tell you anything and everything to get you in to reborrow. I was told to take my tv to a pawn shop to repay them. They like to get on your nerves and it does work. But, Checksmart and Express did take T&C checks and I'M PAID IN FULL with this evil corp. Hope they don't get enough people to sign their paper for a ballot issue in November. Would love to see those two stores go under and their legal department bagging my groceries. I may have to ask for plastic and then change my mind half way and say no no no, paper. I had harassing phone calls for 3 weeks and it finally stopped. Writing letters to them is a waste of your 42 cents. They don't care and will continue to call you. Just tell them that’s how it’s going to be done and listen to them repeat the same answer that they will not accept it. They will if they want their money. Again, it’s been a year since I been through this stuff, so maybe they did change their policy. If they should take you to court, show the judge that all attempts have been made to repay them back.

Posted: Wed Jul 02, 2008 11:45 am Subject:

Good for you Very Happy

Posted: Wed Jul 16, 2008 1:10 pm Subject:

I recently had to default on a Checksmart loan. I've tried to make payments, but they say they won't accept them. They just continue to call me several times a day. I just keep telling them that I don't have the entire $800 and would be willing to make a payment. I had a call this week and the guy told me I could reloan from their sister company, Express, but I have no interest in getting another PDL. I just want to get rid of all of them. I can pay it off by the end of August, but he told me that if it wasn't paid by July 31 it was going to go to court and I would owe a lot more. Someone told me that as long as you pay it before any court date, you can still just pay what you owe. Is that true? Do you think I have time to pay it before any additional fees?

Posted: Wed Jul 16, 2008 5:00 pm Subject:

They told me the same thing everyday...Finally some guy called me and asked me if I could pay half in two payments, I finally broke down and did it. I make my last payment on Friday this week, I could not take the stress of the phone calls any longer...My better half would be really mad at me if he knew I did that, but it was me dealing with the calls, and I could not hack it. I think they are just trying to scare you into paying by months end. They usually want all defaults paid by the end of the month, must have something to do with "their bonus"... are you in OHIO?

Posted: Wed Jul 16, 2008 5:40 pm Subject:

I had heard that they worked on commission and the end of the month meant something to them. You could be right. Yes, I am in Ohio. Since our laws soon may be changing, I thought that may change their tactics as well. All I know is that I won't have the money to pay the balance until late August. Hopefully if it gets to an attorney or court, I'll have time to pay it first.

Posted: Wed Jul 16, 2008 8:04 pm Subject: Checksmart

Anybody know where I can get a C & D letter? I need to fax one to a couple of Pdls who are getting on my reserve nerves! I'm in Ohio. Thanks!

Guest · Posted: Wed Jul 16, 2008 8:16 pm Subject:

By chance, is the person from Checksmart's corporate office that is calling you named Bill Owens? He's a real a***ole!!!!
*Please don't use abusive words which is against our forum rules

Posted: Thu Jul 17, 2008 4:56 am Subject:

no that is not the name I forgoet, Mr. Morgan I think, but often I think these places use alias names...

Julianne · Posted: Thu Jul 17, 2008 12:09 pm Subject: Checksmart

I have been dealing with Dallas Cambell from CS anyone know him? I have told them over and over that I am using T&C. They dont care. Still threatening to take me to court. Even though I am paying them through T&C monthly.

Posted: Thu Jul 17, 2008 1:26 pm Subject:

Julianne - How many months have you been paying them through T&C? Just trying to figure out if they will wait past the end of this month for me to pay them off before it goes to court. My check was from June 30.

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