AIP in Delaware, BIG in UK (?), CashCall

BIG is the worst when it comes to telephone calls. They will hit your phone up to 10 times a day if not more. They are horrible. I guess your only choice with BIG debiting is to get the form from your bank preventing them from debiting, which I hope is soon because they will debit you to death. And they will call you to death. Oh my God, do they like to make phone calls.

We do have a receptionist. I work in customer service, so personal calls are highly disruptive and our management really frowns on it. There are also multiple people who spell the regular receptionist throughout the day.

I also don't know if I gave all these people the general number that goes to the receptionist or my direct #. But I'm sure they will get creative. They'll ask for HR, they'll ask for my boss, etc. That's where it really gets sticky because my finances have resulted in some embarassment at work in the past. From what I've heard regarding AIP, they call lseveral times in an hour. Maybe some of the people who've been harassed by AIP or my other PDL's can chime in. I did file a complaint against AIP with the BBB in Delaware a few days ago.

brian, I was hoping you could make "friends" with the receptionist and have her field your calls for you. Otherwise, I would suggest (which may not be possible for you) to have someone convince these pdl idiots that you "no longer work there". Worked for me. But I work at a small office. As far as any pdl calls, they were told "she is no longer with us". Done. Didn't call my employer anymore. They hit my cellphone with a vengence though! Honestly, AIP never called me. Never. I don't know if others have had problems with AIP harrassing them, but I sure didn't. And the BBB complaint will probably work out in your favor regarding them. I'm concerned with BIG. They will call the hell out of you.

Well, as long as I keep paying them the $40 every two weeks, they won't call me. But obviously, that has to stop sometime. These other ones were higher priority for me because they are $90 every two weeks and I'm not in danger of defaulting with BIG since the fees are now lower (relatively speaking). At some point, I'll probably just pay the loan off and then fill out the form with USAA to never take a debit from them again. Oh, and I'll never take out another "loan" with BIG ever again!

brain, it KILLS me to see you paying these illegal jerks their 40.00 every two weeks! Man, that money addes up FAST. I don't think I even want to know what you've paid them so far towards the principle balance of your loan..............

That's easy cannr - in their eyes $0. I've paid $80+75+70+65+60+55+50 = $455 in fees on a $350 loan. It starts at $80 and goes down $5 every time until it hits $40. There's no limit to the number of extensions! How is THAT legal? It's not. When you pay it back, they call you back and say since you've been such a great customer we're raising your limit $25. Then you start over again at the $80 in fees and so on and son...BIG SIGH. So, If I were to pay them off today, it would require $395 (350 + 45). They don't take partial pays or pay downs - in other words, you either pay it off or pay the fee - nothing in between. This keeps people paying fees into perpetuity. They won't give out an address. I also suspect they are involved in the identity theft business, selling the information. Speaking of ID theft, AIP scares me too. They get you on a three way call with your bank, and while they're listening, you give the bank your secret question (mother's maiden name). Man I'm glad I closed that account!

Hey - You CAN get another checking account!!!

We have an expert here, MCA, and she has helped many people on Chexsystems get another checking account.

I'd recommend you open another checking account, maybe 2 at 2 different banks, and have 1 checking account be the one you pay Think and Cash Call with. Only put enough in each month for the payments. The the second account is your good account. Give no one this info.

You also could pay Think and Cash Call with money orders. They cannot require you to pay by ACH debit, it's against the Federal Electronic Funds Transfer Act.

G - I took care of Think Cash and Cashcall today. I spoke with them both and asked if I could stop autodrafts from my checking account and pay by either money order or moneygram. They both said yes and I faxed both of them my ACH revocations for my open checking account. I told them verbally over the phone to never contact me at work under any circumstances an if they need to call me to leave a message on my answering machine at home and I would return their call within 24 hours or the next business day. They were very agreeable to that and notated that request on my account. Also, in my fax, I added a "cease and decist request" regarding calling me at work. Our company receptionist has been told to forward and outside calls for me straight to my voice mail.

That is a plus...tht they are working with you. I have had some calls here at home from BIG and at work, but I work nights and they must not be deligent enough to stay up late and call at night?
The woman who works the desk at our place can be a bear and I am sure that she has been abrupt with them? Or prhaps they are only calling the switchboard and getting no where. My manager/supervisor ignores them or tells them to call me at home.