Plese Help ME!!!

Cannr - Will it help the person we were discussing yesterday? I noticed three of hers were on there. Advance America, Check nGo and Check Into Cash?

I was going to pm you! They are on there! Yes! She can go in to the stores. Print all this out like I did. Give it to her. Also, print out the list of names of members so they can't "jack her around". It shows their name right on there. She needs to get her butt there the day BEFORE the due date. She can pay in 4 pmts. She will be thrilled! Now, hopefully they won't give her a hard way to go. But I'm thinking if she has these papers in her hand and requests this payment plan, they should abide by it.

Cannr - this is so awsome..I am trying to get ahold of her... The only one that was not on there was the local one. Maybe they will work with her anyway.

roxy, they might. All she has to do is call. Or, if she's not up for it, I could call for her. LOL!

I took that printout to the office and talked to the manager and she said that they do not do this anymore and I have two days to make a full payment or they will have to take action. She said corporate told them they cant do this because too many people take advantage of it.

Harris,

This is from Goudah's post yesterday but I know you are feeling the pressure right now, just hand in there...



I am sure right now you are feeling like you have don't have time to file. Just stay calm and we will see what we can do.

Are they saying they are no longer a member of the CFSA? Or just that they don't do the payment arrangements anymore?

If they are still a member of the CFSA, file a complaint against them. A link to the complaint form is here.

They cannot pick and chose what rules of the CFSA they want to follow. If you file a complaint the CFSA will help you mediate with them.

They are a still a member of CFSA, but cannot take payment arrangements. I dont know what I am going to do. I had my first full paycheck in a long time, but it all is going to other things that I am behind on.

harris, you are in Kentucky, right?

yes

Okay, here's your options since this storefront is being a total butt. You can "let it go". Let them turn it in to the bank and have it returned NSF. Yes, you will get a NSF fee on your account. (Make sure you have no money in there to cover it.) They will contact you either by phone or mail. They will try calling your butt 100 times regarding pmt. If you don't respond, they will call your job and your references. This sucks. So, if they call you or send you a letter, contact them back. Tell them "oops" and you have to make pmts. (Yes, you already played this game). They will tell you no. You will tell them you don't have it to pif. (Yes, this is a game). They will tell you that they're going to turn you over to corporate/collections. Okay. Tell them to do what they gotta do. Once you're turned over, you can make pmts. As stupid as it all is, this is what it boils down to. In the meantime, if you do choose to do this, do not be surprised if while making pmts, you can't write checks at like Walmart, Dollar General, etc. They will put out a "mark" on your check writing abilities until the check is pif. Then they will take it off. I have found that it's actually the store managers that are the jerks. The corporate/collections are very nice and ask you when you can make pmts and how much. Go figure it all out. It's beyond me. However, harris, you will have to stand strong if you're going to take this route. Because that store manager is going to be a butt. That manager is your biggest hoop to jump through. He/she wants commission. You pif, they get commission. You don't, they don't. So they're going to try to pressure you into pif'ing and rewriting, even if it means them telling you to borrow it from a friend. (Yes, they will tell you to do this). Does any of this make sense to you? If you have any questions, just ask.

yes it all makes sense. She already told me to borrow from family members or friends whatever I have to do, but to make sure I have my payment in two days or they will have to "take action".

Okay, so they already played the "borrow the money to pay us" game. Shady creeps. I've had it done myself. They're "take action" will most likely be turn it over to corporate/collections. This is where you would be able to make pmts. However, before they "take action", they will call you a million times trying to get you in there (with borrowed money) and re-write another check. They will try to pressure you into it. You'll just have to keep insisting you do not have it. You don't have it from someone else. You can't "crap" it. Eventually, they'll turn it over. I couldn't believe how nice the people at corporate/collections were. "When can you pay? How much can you pay?" Not - pay us now in full or else! Nothing like that at all. It's the store manager that is nasty.

I have already closed that account so can they still put a mark on my checks even with a new checking account?

on the bright side I got my first pif from Payday Ok

Congratulations on your PIF! Excellent job!

Now for the bad news. Yes. They put a "mark" on my check writing abilities on my NEW bank account. Apparently they go by your social security number. Until it's PIF, some stores won't take a check. Not all, but some. And this isn't to say it will actually happen to you. I think it's a "random" thing. Maybe depends on their mood? But, if you have a debit card, you can still use it. If you're paying bills, etc., you can still write a check. It's only at the stores. It's kind of like you have a "bad check" out - an "unpaid check". Which, actually you do. But once it's PIF, it's taken off. I know this is a drastic measure to take, but if the store is being a butt & totally refusing pmts (they're retarded - something is better than nothing) then let them turn it over. At least you'll be able to make pmts and you won't have to rewrite another check and keep the vicious cycle going until you die........