Plese Help ME!!!

well you can call if you like, I have talked to the store manager there until I was blue in the face and dont relish the thought of talking to her again.

harris, hang on. I'm going to find out their information and I will call and see if they are indeed a member of the CFSA. Also, find out what is going to happen since you're 2 weeks behind. I will post back to you as soon as I find something out.

harris, they operate under Cash Express, which is a member of the CFSA. The girl I talked to "didn't know" if they were a member. So she asked a man there and he said "Yes, we are a member of the CFSA." Apparently there are some uneducated people there. You honestly need to (and I know you don't want to) go back to the store. Tell them you called the corporate office (so you didn't, whatever) and were told they are indeed a member of the CFSA and you are entitled to the EPP. Tell them that when you went there on your due date and asked for payments, they didn't even suggest the EPP and just flat refused. I'm sorry to say this, but you're going to have to go back in there. If this same manager is there, tell her to get the corporate office on the telephone. They are indeed a member and they do indeed offer the EPP.

So I went back to the store(one of my least favorite things to do)and told them I had talked to Corporate and they told me I was entitled to the EPP. The woman adamantly refused, said there must be some misunderstanding because they do not accept payment arrangements, was very unwilling to negotiate and then 1 day after I was in there sent me a letter about collections and it said that it was there policy to file a small claims suit and that I would incur filing fees and court costs in addition to repaying the loan. I cannot afford these fees. I am finally getting my house payment caught up and cannot afford anything else. What should I do?

You have GOT to be kidding me. Are they insane? Yes, they are insane. They are friggin members of the CFSA! Okay. I'm trying to remain calm here. They totally refused payments? Okay. Fine. You can file a complaint with the CFSA against them (which I would do in a heartbeat). Also, you can actually call the friggin corporate office and tell them what's going on because they are not following policy. Corporate might actually call the store and ask what the hell is going on. I had corporate office call my storefront and ask what the hell was going on! Also, they want to take you to small claims court? No mediation? Just straight to small claims court? Now, I know you can not be criminally prosecuted for a "bad check" with a store front in Kentucky. However, taking you to small claims court? No turning you over to collections? No mediation? harris, I'm telling you right now. I would get on that phone tomorrow (and I know this sucks) and call the corporate office of these idiots. Tell them you KNOW they are members of the CFSA (the guy even said so at the storefront when I called!). Tell them this place is refusing any payments whatsoever, including the EPP, and that they sent you a letter regarding going to small claims court. Ask them what the hell is going on. I'm being totally serious here. Corporate office will tell you what the deal is. Of course you can't afford this! Hell, if you could afford this, you would have just paid your check off! Good God! Now, I know it sounds like a hassle, but that phone call could be the answer to your prayers. They could be like "What???" and help you out all they possibly can. Any storefront that I have encountered, if not a member of the CFSA, will either take payments there, or turn you over to corporate for collection efforts, of which you can make payments to them. To take you straight to small claims court, no mediation, no nothing, and being members of the CFSA of whom is supposed to enable you to invoke the EPP is just friggin nuts! I'm amazed actually. harris, please do this. Call the corporate office. Tell them exactly what is going on. Tell them the guy at the storefront even told you that they were indeed members of the CFSA. Tell them they have refused you payments on more than one occasion now. Tell them they are wanting to take you directly to small claims court. I am very interested to hear what they have to say. Also, file a friggin complaint against this particular storefront with the CFSA and also the BBB. I would actually do this now. But, that's just me. Please call the corporate office. This storefront is nuts. I know I'm going on and on, but honestly, this is just crazy. I know some storefronts are brutal, but these guys take the cake.