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 Posted: Wed May 14, 2008 5:12 am Subject:
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Don't worry it will work out like Cannr said. In the end no matter what action they take, you just end up making payments anyway...But CheckSmart is RUFF< I would advise the EPP if at all possible with them:) They would end up taking payments to in the end, but their collections department is not easy to talk to. Good Luck!
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lmale
Joined: 28 Mar 2008
Posts: 402
Debtcc Points: 3206
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Posted: Wed May 14, 2008 6:30 am Subject: Payday advances
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Thanks, paul!
Post edited due to attacks at members regarding pdls.
cannr
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silent worker
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Posted: Wed May 14, 2008 6:34 am Subject: reply
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oh boy look,you and everyone like you knows
how many pdl's we all had,but you lent anyway.nice try,but if you are trying to make people feel bad here your threatening phone tactics do that nicely.
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paulmergel
Debt Samaritan
Joined: 24 Jun 2007
Posts: 2350
Debtcc Points: 8364
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Posted: Wed May 14, 2008 6:41 am Subject:
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silent worker, my peers on the board will probably have some feedback for me about this, however, I understand you not wanting to lose your job, that's not good for anyone. There are times when the PDLS might help someone, but my issue is that most of these folks would not have gotten into the mess if, the PDL company's had some options if a true situation comes up before the due date. We can't contol medical ER, job loss, car's breaking down, etc. Most folks panic when this kind of events happen and they have a loan due, because most lenders will not work with you. These folks on this board are hard working and WANT to pay back what they borrowed. But when life happens and the PDL won't work out something, they must go somewhere else and borrow to cover the last loan and then it snowballs. You know if they could come up a compromise with paybacks, allowing a little more time for folks, it might not be so bad....But when you do have an issue and call them, they treat you like your are a criminal. Credit Card companys don't even treat you like that, they know if you work with someone, you normally will get your money.
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lmale
Joined: 28 Mar 2008
Posts: 402
Debtcc Points: 3206
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Posted: Wed May 14, 2008 6:43 am Subject:
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silent worker:
| Quote: | | You all are saying you hope the Senate passes the bill to shut down these places, but it's because of you all abusing the operation in the first place that put you in the position you're in. Why would you go & get a PDL at 6 places when you know you can't pay them back on your next payday? To you all it's easy money at the time, but you're not thinking about how you're going to pay all of them back off one paycheck! And, by the way, I am one that will be out of a job if shut down, all because of the abuse of the operations by customer's! |
I am sorry that your job is in jepordy, but taking your anger out on the good members of this forum is not the solution. The responsibility lies BOTH in the hands of the consumer AND the PDL industry. We do not advocate NOT paying these loans back, we provide information and solutions how to do so, unfortunately, many PDL companies do not follow the law.
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Shazzers
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Posted: Wed May 14, 2008 6:48 am Subject:
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I had little choice when I got started with my pdl nightmare. We had significant car trouble and medical issues, and nothing could be cut from my monthly budget with other bills / utilities. I am very sorry you will lose your job, silent girl. Truth be told, I have always had VERY pleasant relationships with the storefront lenders. I have paid back my loans faithfully for over a year now - never missed a pay; but it's spiraled out of control and now I need help.
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asmostov
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Posted: Wed May 14, 2008 6:53 am Subject:
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Some of you have said Ryan may be able to help me further, but I don't know who that is. Can somebody please try to have him stop by this thread for a little more guidance concerning my Ohio storefronts and the pending T&C DMP?? I'd really appreciate it.
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asmostov
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Posted: Wed May 14, 2008 7:27 am Subject:
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I am in the same position as asmostov but I only have 3. I would love to find out more as well.
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shannon_n_jenkins
Joined: 13 May 2008
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Shazzers
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Posted: Wed May 14, 2008 9:06 am Subject:
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My biggest question is how long before T&C notifies the storefronts. Should I wait for them to send notice, or should I contact the pdls and tell them what is about to happen. Should I send a letter revoking ACH with a cease and desist? I plan on placing a stop payment on the outstanding checks to the pdls, but should I just let them bounce? I want to make sure I do everything "right" in case I have to go to mediation / arbitration like so many others have posted...
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asmostov
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Posted: Wed May 14, 2008 9:11 am Subject:
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What is the website address for T&C? Are they different from Langhorne & PDL Assistance?
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aggiemom1013
Joined: 13 May 2008
Posts: 25
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Posted: Wed May 14, 2008 9:26 am Subject:
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I haven't found a website - I don't think they have one. I just called them. They were very helpful and kind and the process was quick and easy. You can search for T&C at the top of this page. A lot of people have used them to get out of this mess. I have no testimonial yet, though. Just sent the retainer fee and contract today. I really hope they get the ball rolling asap. I also heard rumor that because of the new bill (HB 545) that some advance places are already admitting defeat and may be closing as early as June. Really curious how that will effect my DMP. Surely they'll be going after thousands of people if the bill passes; it may better my chances.
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asmostov
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Posted: Wed May 14, 2008 6:43 pm Subject:
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No kidding! I have some loans out too, and am now wondering what to do????
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lmale
Joined: 28 Mar 2008
Posts: 402
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