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 Posted: Sat Jun 30, 2007 6:58 am Subject: Having problems paying back a pdl |
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How can I get the telephone number for this T&C?
Having problems paying back a pdl(payday loan). Will they prosecute me?
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daniellek87
Joined: 30 Jun 2007
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| Posted: Sat Jun 30, 2007 7:02 am Subject: |
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Welcom to the forums. Can you give us more information? What state do you live in? Are these internet pdls or storefronts? How long and how much are they for?
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Four things in life that you should never lose-1. Hope; 2. Peace; 3. Honesty; 4. Friends.
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irish51cc
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Joined: 27 Nov 2006
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| Posted: Sat Jun 30, 2007 7:07 am Subject: pdl |
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I live in Ohio and used a store for my pdl. I owe them 485.00. I have been trying to pay it back since April, but have been strapped for money. A lady at the corporate office told me that Monday they will be taking this to the courts. What will I expect? Will a sheriff come to my house with the papers or will a letter come to me in the mail?
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daniellek87
Joined: 30 Jun 2007
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| Posted: Sat Jun 30, 2007 7:13 am Subject: |
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What company is this storefront?
_________________
Four things in life that you should never lose-1. Hope; 2. Peace; 3. Honesty; 4. Friends.
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irish51cc
Debt Samaritan
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| Posted: Sat Jun 30, 2007 7:14 am Subject: pdl |
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Checksmart
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daniellek87
Joined: 30 Jun 2007
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| Posted: Sat Jun 30, 2007 7:16 am Subject: |
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Oh they are stinkers! Checkout this link it gives good advice on how to handle pdls and it also has the Ohio law regarding pdls.
http://www.debtconsolidationcare.com/ohio/general-laws.html
_________________
Four things in life that you should never lose-1. Hope; 2. Peace; 3. Honesty; 4. Friends.
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irish51cc
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| Posted: Sat Jun 30, 2007 7:28 am Subject: pdl |
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Does anyone know how they contact you if you have to go to court?
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daniellek87
Joined: 30 Jun 2007
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| Posted: Sat Jun 30, 2007 7:44 am Subject: |
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If I were you I would try to set up small payments that you can afford with them first. I would send them a bank check or a money order in small payments even thoughthey tell you that they won't accept payment I think that Ohio law says that it can be done.
_________________
Four things in life that you should never lose-1. Hope; 2. Peace; 3. Honesty; 4. Friends.
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irish51cc
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| Posted: Sat Jun 30, 2007 8:05 am Subject: |
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The phone number to T&C is 205-380-2995
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iratherbebroke
Joined: 27 Jun 2007
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| Posted: Sun Jul 01, 2007 7:31 am Subject: pdl |
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Does anyone know what the loan term means in Ohio? It states six months.
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daniellek87
Joined: 30 Jun 2007
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| Posted: Sun Jul 01, 2007 7:46 am Subject: pdl |
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What does six months mean?
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daniellek87
Joined: 30 Jun 2007
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| Posted: Sun Jul 01, 2007 7:57 am Subject: |
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| Quote: | A lady at the corporate office told me that Monday they will be taking this to the courts. What will I expect? Will a sheriff come to my house with the papers or will a letter come to me in the mail?
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I was dealing with Checksmart also and their corporate office is a trip  If they are going to take your papers to court than most more that likely, you'll probably receive papers in the mail for a court mediation hearing to settle the debt. I don't think a judge is involved, it's just a hearing between you, Checksmart, and an arbitrator.
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BROWNSUGAR!!
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brownsugar
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| Posted: Sun Jul 01, 2007 8:18 am Subject: Thanks |
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Thanks brown sugar for the advise. This has been an terrible experience. Been worried to death. Never want to go through this again.
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daniellek87
Joined: 30 Jun 2007
Posts: 8
Debtcc Points: 194
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| Posted: Sun Jul 01, 2007 8:43 am Subject: pdl |
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I just got off the phone with a lady from checksmart. She told me payment would need to be in the store today by 5pm. Tomorrow it would be going to their attorneys and I would need to get a lawyer. Does anyone have any comments on this?
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daniellek87
Joined: 30 Jun 2007
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| Posted: Mon Jul 02, 2007 5:44 am Subject: |
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First off, they can't arrest you for defaulting on a PDL. They could take you to civil court or arbitration. Either way, you will be sent to collections but cops will not be on your doorstep. Work on getting a payment arrangement you can live with.
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kscornell
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