T&c finally

Ok. After my panic posting yesterday, I think that we T&C & I have the situation all straightened out. T&C definately does not have enough help over there if all creditors are like mine, it is a long and complicated process. But I think that my accounts are up to speed with what is going on and most except 3 small accounts have responded with acceptance of the proposals. (crossing my fingers) Please let this be an end to the endless list of 866, 800 #'s that contact me daily. Life would be pleasant if I didn't have to eat my heart every time my phone rang. ChicagoBabe...Hope you get those ACE guys, they sound like a very nasty bunch. Keep your chin up, we have to beleive that it will be better soon.

hi paulisgirl, i'm keeping my fingers crossed. I hope tomorrow will be a better day. Good luck to us :)

ChicagoBabe, This weekend was a milestone for me, I didn't receive one single collection call, what a relief...Hope all goes well for you too. PaulisGirl

Hey Pauli's Girl,

So ok we're taking turns hehehe. From 8 to 9 pm since last week my phone keeps on ringing and keep getting all these nasty calls from my creditors that they still haven't received any payments.

T&C is suppose to call me back in regards to ACE status but did not. I called them this morning (NO news about ACE yet) and told me to settle with 3 of my creditors. . HUH??? I am wondering does anybody still has to pay their creditors other than what T&C has been sending them.
T&C is still sending payments but creditors are still calling. My creditors said they are not ok w/ the amt of money that T&C was sending them so I have to send an extra payments (SO WHAT HAPPENED TO T&C's PROPOSAL). I am making 380/month then I still have to make extra payments ($100 per pdl) so that they won't send me to court. I sent 3 money orders today ($100 per pdl). I don't have $$ but I have to find a way to pay them or else. Should i keep on doing this. Paying pdl and then T&C. Please advise.

Hi ChicagoBabe, Have you talked to Telana @ T&C? She is the one I emailed and I talked to her a couple times after the email and it brought me the recent results. CashCall called me this morning and told me that they were confirming with me their acceptance of the T&C proposal. Do you have other debts listed with T&C or just the PDL's? Perhaps if you have others listed you could just pull the PDL's and work with the arrangements you are making on your own, then the T&C payment would reduce making it more feasible payment wise? PM me anytime if you need Telana's email. Pauli'sGirl

I only have pdl w/ T&C. It was going smoothly but all of sudden I am panicking again because all the nasty threats and calls are back again. Please pm me Telana's email. I am trying to eliminate the extra payments that I'm making bec that's gonna bring me down to the ground again. I don't know if I should still stand against my pdl and ignore their demands. I think they know that the word garnishment or send me to court will make me agree on their demands.

I would stand against them. Don't let the threat of garnishment hold you back, have you revoked your voluntary wage assignment with them? I forgot to ask, are these internet or storefront pdls? I doubt the internet pdls will take you to court, the storefronts however will exercise that option.

Now I'm pissed, the nasty collector from CashCall called me and told me that if my consolidation company wanted the proposal accepted than they would need to talk to the litigation department. What a load of you know what. He didn't tell me that legal recourse was going to happen just that this is the only way to get a proposal negotiated. Even after I explained to him I wouldn't be doing this and would be making my payments if I actually had the extra funds to do so. Then he told me that if I could pay the rest of this months payment they may be able to do an internal payment plan with me. I wonder was he even listening when I told him I don't have any money until I get paid next, I explained to him that I was flat broke until the end of the month and can't pay any additional....DON'T THEY EVER LISTEN??? I'm talking to Langhorne Law they should be able to help I believe. I just can't wait for anyone at T&C to call me back, I beleive they have worked on my account and my payments went to creditors but they are not continuing (so it seems) to work on the couple that haven't responded or denied the proposal. I just want someone to pick up the phone over there, and was on hold for 10 minutes this morning before I had to hang up, besides it a long distance call so I'm paying for their hold time. This is starting to really irk me, can you all tell. And just to think yesterday I thought it was in control..

hey you're not alone. I was on hold for 45 minutes and got a PROMISE that they will call me back. That was yesterday. I am going to call again tomorrow morning and I am hoping that would get an answer.
BTW, I signed up for prepaid legal plan. I know extra payments but I know I'm going to need it soon. My calls are getting nastier and I can't take it anymore. I decided to ignore them and let's see. Legal plan is just my back-up just in case my case goes down the hole. Keep in touch Paulisgirl.

This is getting ridiculous with this T&C situation, now emails are not being answered. I called this morning, they open @ 7am my time(pst) and I called shortly after they opened and am immediately on hold. Does anyone out there have any other suggestions?

I too am getting disgusted with them. I was promised my retainer fee would be sent within a week and that was clear back on the 26th of September. None of my emails are being responded to, and I don't have time to sit onhold and wait.

If you don't mind me asking, Are you done with the program or did you leave early due to the new issues they seem to be having. Telana called me today and was little help. I've got to make a decision and now, I can't just hang in limbo waiting for them to get with it, meanwhile I will fall farther behind emotionally, because payments do go out, because I need to know what is going on.

No, I still have a long way to go. I signed up for 21 weeks and I just started late August. I had pulled 3 PDL from T&C when I was starting because it's been a month and 3 pdl are not getting any calls/proposal/payments from T&C. I made a payment arrangement w/ them and paid them off eventually. If I have not done that. Those sharks have garnished my wages already or sent me to bad check division.
I'm still doing my follow-up w/ my pdl even if I am w/ T&C and still paying them whenever I have extra extra money to avoid calls (for my temporary peace of mind)What upsets me is were doing the same thing but I'm still getting harassed everyday. No matter how many letters I've sent to them or no matter how many times I go to my AG and file a complaint. They will still call. It's either they will call me at work or they will call my references. It's never ending.
I made a decision that I will stay w/ T&C no matter what. I am already in a bad situation and pulling everything out from them will only make my situation worst.
BUT...if there's someone out ther who can truly help us get out of this nightmar....oh please let me know.
One of my pdl told me that they only received a proposal from T&C last week. My loan w/ them went up from $300 to $990 because of fees and stuff.
IF you have any ideas or suggestions please please let me know.
You're lucky PaulisGirl cause T&C is responding to all your questions. I don't want to think that they are chosing the people that they really want to help.
I have a friend who signed up w/ T&C the same time as i did but not getting any problems. 1-2 calls once in a while not like me who would get dozens and dozens of calls from landline, cellphone, workphone and all. My friend and I have the same pdl so I don't know the deal.Everytime I call them and ask them for advise, their response is "settle or make a payment w/ your pdl" "get current w/ your pdl". Well, I'll complain and sigh about my frustrations w/ them everyday but I'm not leaving unless you know.

I've been waiting since Monday for T&C to call me regarding ACE. I called them Tuesday was on hold for 45 minutes. SOmebody answered only to put me again on hold for another 25 mins. I can't call them yet cause I don't have available minutes on my cell anymore. I have to wait until nextweek. I don't have long distance at home nor I can't use my work phone. I sent them dozens of emails fax them a request to call me at home but NOTHING.

Have you guys considered contacting Langhorne Law? See what they have to say.

I did contact Langhorne Law and will be pulling my pdl's from T&C, ChicagoBabe, you should look into it also I think Dennis may be of help with the situation rather than leave it with T&C. we may have to eat the $155.00 set up fee though, which is a gamble I'm willing to take. Pauli'sGirl

Finally contact with T&C. My retainer fee was mailed yesterday! I told Telana on the phone this afternoon that if they keep not returning phone calls, responding to emails, they are going to lose alot of people. She stated the secretary takes the number of the person calling and then someone always calls back. In my opinion, she is full of it!!! I have been trying to contact them and like I said in the above post, I don't have the time to hold. I have been trying to get my money since the 26th of September and they just sent it yesterday. Someone there needs to get a fire lit under some butts quick or I have a feeling their client list will be slimming down.

Goodluck PaulisGirl. I think I'll check them out too. My situation is getting worst. All my pdla re calling me again and told me that they're not getting a payment. They called T&C and left them numerous messages but they are not returning their call. One pdl that just got their proposal fax back their response but did not get an answer.

I am paid w/ T&C until the end of the month and I have to wait until next week to call them cause I don't have available air time anymore.

Tammy, are you done w/ T&C or you're just pulling out your accounts from them too.

I have been done with T&C since the end of September.

I am also done with T&C. I know when I started I highly recommended them but no more. Their situation has continually gotten worse with no solutions that I can see. I think if there is someone else out there that can help you (possibly Langhorne Law) then I would go with them. I think this board overwhelmed T&C and they also seem to have had a lot of turnover. Find someone else if you can, just my opinion.

Hey Sue, how have you been? All well..? Didn't see you much in the board.

Hi Flying Cats, I haven't been around much sorry. Things are going well for me, how about you???

I am doing pretty good. thanks. glad to know that you are ok..

Thanks, I have been busy job hunting and just burned out of the same stuff being asked over and over around here. I stay in touch with some of the others around here via email and IM'ing.

Wow, I hate to see people struggling so much with T & C. I ended my progarm early with them and got my retainer fee back. I sent a lot of business their way though. I had better luck fighting my lenders on my own and got much quicker results. At least there is another option now with Lanhorne Law.

Mishele, Did I understand you correctly, you ended early and got your money back without completing the program? ChicagoBabe needs to know how you did this it seems that they are not working with her at all. I've gotten some resolution with T&C but still am having issues contacting them. Langhorne has been responsive so far and I've decided to pull my pdl's from T&C and leave my cc debt with T&C see how it goes.

I sent T&C a long letter letting them know about our complaints. If I did not receive a response today that means that some people are not doing their job. I'll keep you guys posted.

Well, I'm already aware of that or else I won't be getting 39 messages a day from pdl.

Hey guys, I did end early with T&C - actually as of last Friday and I received my retainer fee in the mail from them today. I don't want everyone to get the wrong idea because I guarantee you that if I wouldn't not have found this board and them a year ago I would still be in the mess I was in - you wouldn't believe me if I told you how many pdl's we had. Hang in there with them if you can, otherwise, do what's best for yourself, only you know what that is.

Thanks and Congratulations Sue. I am still hoping that things will get better for us who is still in pdl trap.

Chicagobabe - it will get better I promise. It takes a lot of hard work and a little luck but keep at it and it will get better. There are lots of us on here that were in a bad situation and now we've overcome our adversity.

I myself am in this sticky situation with pdl's. Does anyone have info on lanhorne law, i've heard good and bad about them and i am up in the air if i want to try them. i signed with a consumer credit counsling and am about to get screwed out of 173.00 because i settled with them into a 24 month program and after finding out how they really work, i want to use some one else.. any suggetions

I have/had found out that it is SO hard to get a bank to stop ACH payments thus when I was in the thick of things with PDL industry I closed my acct opened a new one and NEVER gave my acct information out to anyone. I found the address's for my 4 PDL companies and now send them postal money orders every month

Well, at first they weren't going to give it back to me because I had not completed my program with them. There were many times that I had to contact the lender directly at the advise of them to settle my debt. I also sent others to them. A manager called me back and I had my retainer fee back a couple of days later.

Mishele, so are you done paying all your pdl. How did you do it. I am still getting letters and calls from pdl even after making payment arrangements w/ them. Now, the more I communicate with them the more they are pushing their demands to have all the loan paid in full. I honestly don't have the money to pay them anymore other than what T&C's been sending them every month.
Sue, thanks again. You guys are an inspiration to us. I'll be stress out for a day or two because of this pdl mess but everytime I think that many of us now are out of this trap is making me think that my day will come too.

Chicago, did you call T&C and get the status of the past payments? Usually, the lenders will stop the calls only after they receive a couple of payments from you or through your consolidation company. You should confirm that the money sent by T&C is posted towards your account and the lender has provided the receipt.

I am really irritated and pissed w/ T&C right now because it seems that they are not really working on my account.
A month ago they had advised me to settle w/ my creditor, make my account current so that pdl will accept their proposals.

I did. I made an extra $500 to some of them just to make this consolidation thing work out. I have used my Car payment just to make sure that everything is going to be fine.

A month after, all my creditors are calling again complaining that T&C is not responding to their calls. I signed up on August but T&C only sent payment on the 13th of October that made my account late again and the $30 payment (not the agreed amount) that T&C sent only went to penalties.

Budget Loans ???????? is charging me $8 late fee everyday. My $400 loan is now closed to a thousand. T&C never made me aware of this until I called them this morning. The money that????????s been paid to Budget went to nothing.

Ace Cash ???????? since they????????ve been waiting for my payments for 3 months. They don????????t want to settle anymore. They want me to pay the full balance or they will start filing legal charges. I????????ve been calling T&C about this creditor because this is the most stubborn of all. This pdl keeps on calling my employer, when I first called T&C they said everything has been taken care of, this morning they told me that they can????????t do anything about this pdl anymore.

Decatur Finance, Your Credit and Cash Central ???????? T&C advised me to bring my account current. PDL won????????t accept proposal unless I made payments first. I did, thinking that as soon as I made my payments they would also send the monthly fees so that everything would be fine. They only sent $30 payment on the 13th and it only went to penalties because it is not the agreed amount and it was a month after I made it current.

According to T&C, I will still get calls from Creditors even after they made payments
I called T&C again and ask them what????????s going on. They said I have to make my account current or they can????????t do anything about it.

I also question them about not getting a payment receipt from my creditors. I told them that a friend of mine who has the same pdl that signed up with them is not having any problems. In fact, she????????s getting a payment receipt that creditors are receiving the agreed amount and all her accounts are out from delinquent status.

T&C doesn????????t even bother to give me a call or send me an email update. I will only find out if I get a letter or a call from my creditor. I have already told T&C about this so many times but they are still not updating me.

One lame excuse that they gave me before was they have the wrong number on file. I have sent them numerous emails but not getting any answer. My phone was out of order last week. I sent them an email to inform them just incase they decided to give a call.

Oh well, they called and left me a voicemail. They said they are calling in regards to the email that I sent them.

How can I stand against my creditors if my consolidator is not fighting for me? Some people advised me to go somewhere else but what will happen to the payments that I already made. Looks like nobody????????s really getting the right amount. What happened to the proposal?

We have some members that spoke to T&C????????s manager. How did they do that? I want to talk to someone in a higher position because nothing is working out for me.

What you need to do is get in touch with Telana. She will help you, tell her your concerns etc. The only way I could get in touch with her was to send an email to their service email address (which I will PM you) to her attention and then things will happen. I got to the point of where I was almost a *itch about messages and sending emails because I wasn't getting any response or help. If your pdl's are online they won't sue you, if they are storefront they can get a civil judgment on you. Check your PM and I will send you the email address. Also feel free to email me if you need any more help or advice - I'm not on here much so email is better than PM.

Sue

Sue, Something is definately wrong over there at T&C...I have been in touch with Telana but she can't be the only contact person for her whole company, where are the customer service reps they hired..

Telana is the one I used also. And finally got my retainer fee refunded.

My experience with them has been difficult, however once in touch with Telana she has gone above and beyond to help my situation, I wonder what has gone so differently for ChicagoBabe..hopefully she gets a hold of someone over there and soon.

Chicagobabe,

I apologize for the late response. Yes, I have worked my way through my pdl mess and I am now free of that cycle. How are things going with T &C ? Are these internet or storefront lenders? You shouldn't be taking this kind of harassment when you are signed up with T & C. It sounds like they are way too busy right now.

Mishele, I can only speak for myself, but ChicagoBabe and I seemed to be trading frustration within this thread and others regarding the T&C situation. Currently I am dealing with no phone calls from any creditors, they have stopped calling me altogether, I am not 100% satisfied with the customer service with T&C however Telana did take care of me when I got ahold of her.

Hi,

I just joined today and see that a lot of people recommend using T&C for payday loan consolidation. Can someone provide me with this contact information.

Queen_Britt2003, I just pm'd you info. Good Luck! :D

Ace Cash had solm my account w/ a Collection Agency. Ace used to threaten me w/ bad check case and wage garnsihment ut then decided to send my a/c to collection.
Should I be more worried about this or I will just get more phone & letter threats from CA. Can collection company garnish your wages or sue you?

You will probably get more letters and threats, a CA can sue you if they are licensed in your state. A judgement can lead to a garnishment. Which company did they send you to?

I signed up with T&C three weeks ago and they have already made payments to my creditors, but I received a call from ACE telling me that they do not work with debt consolidation companines and that debt consolidation companies tell people that they can help with payday loans but they only tell you that to get your money. They also said that they denied T&C's proposal. I am going to call T&C and see what is really going on, because I just made them a 162.00 payment on Friday.

I signed up with T&C three weeks ago and they have


already made payments to my creditors, but I received a call from ACE telling me that they do not work with debt consolidation companines and that debt consolidation companies tell people that they can help with payday loans but they only tell you that to get your money. They also said that they denied T&C's proposal. I am going to call T&C and see what is really going on, because I just made them a 162.00 payment on Friday.

Vs is Ace taking the payments & applying them to the account even though they don't accept DMPs?