Checksmart YURG!!! I can't take it!!!

Hang Tight Reny, they are a bunch of boneheads. Eventually they will have to work with T&C. Even if it is turned over to a collection agency. They will ultimately settle because you are not going to reloan :wink: Stay Focused, and let T&C take the calls from now on, that is why you are paying them. :)

Yes, why don't you tell them AGAIN, in writing, that you are using T&C, and that they will need to contact them regarding payments. Then just hang up the phone when they call or don't return their calls.

I have one credit card company that still calls me daily (all the others have backed off to once or twice a week), so I told the supervisor that I would no longer discuss the account on the phone (after sending it in writing and being ignored). Now when they call daily, I just hang up as soon as they say who's calling!

i agree imale,you are paying T&C for a reason.let them know
what is going on.

If I remember correctly, Ryan N went through a similar experience with Checksmart. They didn't cash any of his T&C checks.

Have they threatened to sue?? :? And has your loan been in default longer than 30 days?

As most of you know, I'm with T&C and had problems with Checksmart and Express. When I went to mediation, the person who represented Checksmart said they never cashed any of the checks and they should have been returned to T&C. I do not know if they cashed my checks after mediation but T&C never received any of the checks back. My account with them is now paid in full from T&C. Checksmart will take the checks and T&C will call you if any checks are returned. With these businesses, you do not know if they are lying or not. Wish they would be honest instead of saying we sent them back. If you want, call T&C weekly to see if they had any checks returned. Within my first two months, all I had to say was hey it????????s me and they knew my name. I was on the phone with them weekly to see any checks returned, who signed their proposal, and if a check has been cashed or not. Also call next week to T&C and ask them if the check has cleared. T&C will call up their bank and research it for you. I know it helped to hear T&C say the check has been cashed. Buckeye legal department will tell you anything and everything to get you in to reborrow. I was told to take my tv to a pawn shop to repay them. They like to get on your nerves and it does work. But, Checksmart and Express did take T&C checks and I'M PAID IN FULL with this evil corp. Hope they don't get enough people to sign their paper for a ballot issue in November. Would love to see those two stores go under and their legal department bagging my groceries. I may have to ask for plastic and then change my mind half way and say no no no, paper. I had harassing phone calls for 3 weeks and it finally stopped. Writing letters to them is a waste of your 42 cents. They don't care and will continue to call you. Just tell them that????????s how it????????s going to be done and listen to them repeat the same answer that they will not accept it. They will if they want their money. Again, it????????s been a year since I been through this stuff, so maybe they did change their policy. If they should take you to court, show the judge that all attempts have been made to repay them back.

Good for you :D

I recently had to default on a Checksmart loan. I've tried to make payments, but they say they won't accept them. They just continue to call me several times a day. I just keep telling them that I don't have the entire $800 and would be willing to make a payment. I had a call this week and the guy told me I could reloan from their sister company, Express, but I have no interest in getting another PDL. I just want to get rid of all of them. I can pay it off by the end of August, but he told me that if it wasn't paid by July 31 it was going to go to court and I would owe a lot more. Someone told me that as long as you pay it before any court date, you can still just pay what you owe. Is that true? Do you think I have time to pay it before any additional fees?

They told me the same thing everyday...Finally some guy called me and asked me if I could pay half in two payments, I finally broke down and did it. I make my last payment on Friday this week, I could not take the stress of the phone calls any longer...My better half would be really mad at me if he knew I did that, but it was me dealing with the calls, and I could not hack it. I think they are just trying to scare you into paying by months end. They usually want all defaults paid by the end of the month, must have something to do with "their bonus"... are you in OHIO?

I had heard that they worked on commission and the end of the month meant something to them. You could be right. Yes, I am in Ohio. Since our laws soon may be changing, I thought that may change their tactics as well. All I know is that I won't have the money to pay the balance until late August. Hopefully if it gets to an attorney or court, I'll have time to pay it first.

Anybody know where I can get a C & D letter? I need to fax one to a couple of Pdls who are getting on my reserve nerves! I'm in Ohio. Thanks!

By chance, is the person from Checksmart's corporate office that is calling you named Bill Owens? He's a real a***ole!!!!
[size=2][color=DarkRed]*Please don't use abusive words which is against our forum rules[/size][/color]

no that is not the name I forgoet, Mr. Morgan I think, but often I think these places use alias names...

I have been dealing with Dallas Cambell from CS anyone know him? I have told them over and over that I am using T&C. They dont care. Still threatening to take me to court. Even though I am paying them through T&C monthly.

Julianne - How many months have you been paying them through T&C? Just trying to figure out if they will wait past the end of this month for me to pay them off before it goes to court. My check was from June 30.

Ryan will come soon and chime in on this one. He did the same thing using T & C, only problem was they did take him to check mediation, which was no big deal just more of a hassel. I was going to put them with my other T & C stuff but decided just to be done with them. It takes them some time before they take you to court, if you can take the heat try to ride it out.

thank you. I'll just try my best to pay them off as quickly as possible. I have/had so many PDLs both online and storefront that my necessary bills like my mortgage, utilities and such have gotten behind, and I have to make them the priority right now. I came very close to my house going into foreclosure primarily because I got over my head in PDLs. Very embarrasing! Nothing will make me feel better to have all of this behind me, but I know I've got a ways to go. This forum has really helped me figure out the best way to handle some of the PDLs I'm dealing with.

Teresa, we have all been there! You are routing for you!

You got it correct Lmale. Its been a year since I've been through all this and I'm a little scared of giving advice. With the new law changing, who knows what they are up to. I know if my company was going out of business, I would want all my AR cleared up before I shut the door. Last year Checksmart took me to mediation and all what mediation is a place to work out repayment. I don't know if they still use this or not, but mediation is nothing to sweat. Just don't make an agreement that you can not keep. Be honest with them at mediation and see what can be worked out. I had to deal with a lot of harrasing phone calls when I told them I was going through T&C. I just repeated to them I'm using T&C and we will let a judge decide if I can use T&C for repayment. One thing to remember is they don't have debt prision and you will not go to jail.

I'm trying to take care of all my PDLs on my own, so that's why I'm trying to cover all my bases or at least know what I can expect. Thanks to everyone for all the info. I'm sure I'll have more to post as I hear from more of them.

I paid them off today!!!!!!!!!!!!!!! WHAT A VICTORY FOR ME:)

Things are getting better, its been a crazy few weeks. I heard from T & C today alll creditors have accepted!! We did have to make a few adjustments, but I think it will be ok. The phone is still ringing, but they said that's normal at least until they get a couple of payments..Reny

Reny, that's great news! Congratulations! It sounds like things are really starting to turn around for you. It will be another great day once they all stop calling you!!!

I am also in the same fix I have paid and paid check smart and I cant do it anymore I dont know what they can do but I am so tired of the phone calls to my celll phone My husband does not know what I did 3 years ago and i am afraid to tell him I dont know what to do or if they can do anything to me