Advance America

Hey Big Dog!

Welcome to you--and I will share what I know about the EPP. And I also dealt with Advance America before the EPP and know they can be a pain to deal with.
My understanding is that you have to request the EPP before your loan becomes due, which it sounds like you have done and once you fill out the paperwork, there is documentation there that says they will not do any collection activity on you--as long as you make your four payments.
I know that the one PDL that I did pay off using the EPP had to be reminded constantly that I was on it, and once that happened, there was no problem. There was nothing said about a lawyer--so I would pull the paperwork you signed first and check the documentation on it, and if it does say that, I would fax the storefront a copy of it. I would also go to the CFSA website and see exactly what they say about the EPP.

I didn't have any problems with my epp. Have you tried talking to a manager that is who I dealt with. Overall it wasn't a horrible experience and in fact it was a very friendly ordeal. Good luck to you.

You said you paid them $200 towards your loan, but they are still gonna deposit your check anyways? Did they give you a receipt for the $200 payment? I'm not exactly sure what to tell you, but if you have a receipt for the payment, and the check they are gonna deposit is more than what you owe; I would possibly go into your bank, show them the receipt for the $200, and explain to them that Advance America is gonna deposit a check for $200 more than what you actually owe.

I can share what I've learned with these store fronts and I've dealt with 3 of the worst ones. They will take payments from you, however you have to make reasonable payments. Even after default, as all of mine defaulted. They will tell you that, but once it goes so far past due they will take what they can get. Again within reason. What all mine did was basically accepted an EPP after default although that's not what they called it. National Check Cashers even allowed 5 payments instead of 4. Making "reasonable payments" might be tuff it certainly was for me, however I made adjustments to everything I could think of in order to make it work. I have 1 more payment on my next payday and the store fronts will be taken care of, I still have a long way to go with everything else, but one small step for me....

PS if you have the money and they "won't take it" hold onto it, so if you go to court you will have something to present to the judge to show your efforts.

I would put a stop payment on the check. Keep making payments if you can.

Bigdog, question for you... When you went in to the storefront to invoke the EPP, did you sign a "new agreement" with the payment terms? They should have had you sign an amendment to your loan documents with the EPP payment amounts and dates due. Did they do that for you? Do you have copies of that?

I did not sign any new document s when I went in. I do have a receipt for what I paid. I appreciate all of the help everyone has offered. I am hopeful that they will work with me. I did speak to the manager, and he phoned the regional manager. That is the one who told in that I needed a letter from my lawyer... (It sounds like a pressure tactic to me).

Anyway - I will keep you all posted.

Thanks again,
Big Dog

Definately a pressure tactic! I would pull out the paperwork and go over it line by line. In order to go on the EPP, you do have to sign new documents which spell out what you agree to do and that the storefront will cease collection activities, as long as you make your payments.

call legal aid. look it up in the phone book.

You realize you responded to a pre-historic post :)

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I agree..LOL!