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Reported to Scan and Check Again by National Payday (Illegal Lender)

Date: Thu, 02/19/2009 - 08:39

Submitted by lesleyreid
on Thu, 02/19/2009 - 08:39

Posts: 14 Credits: [Donate]

Total Replies: 7


My husband tried to write a check at Kroger for diapers and groceries this morning and it was declined. He was given a phone number to call, which was Scan. Scan told him that he had been reported for a bad debt/check on our old checking account and also tied to his drivers license number. They gave him the number for Check Again. When he called them the extremely rude person told him that the debt was associated with either the DL # or account number - either would flag it. He informed us that the debt was reported by Devidia II, Ltda . for $100. They would not allow us to dispute it - they said the only way to have it removed was from Devidia II themselves. I told Check Again they were illegal - the guy could have cared less and refused to give me his last name.

This was one of our PDLs that we paid several hundred dollars to and closed the account to stop them debiting after we withdrew the ACH authorization. They send info to a collections agency who want almost $500 now to have this removed.

I wrote to National Payday/Devidia II today, telling them I will report this to the Atty GEneral but since we are in TN, they really dont care - previously they told us do whatever we want, they are going to get their money one way or another.

I cant believe this has happened and just wanted to warn anyone out there with loans from National Payday, that this is what they are doing. This is a big problem for us because since my husband got laid off, we sometimes have to write a check the day before I am paid for diapers etc to get us through until the next day.

Any advice anyone on how to deal with this? Thanks guys.


You need to try to live within your means. A wise person once said "If you continue to do the same things, you will continue to get the same things". In your case that means declined checks and nsf fees. If the money isn't in your account, it is stealing to "spend" it.


lrhall41

Submitted by on Thu, 02/19/2009 - 12:01

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Living within your means is wise advice indeed - until you are diagnosed with multiple sclerosis when you have just had a baby, and your husband is laid off from his job of 10+ years. Kind of throws things into chaos. Strangely enough, I didn't anticipate 1 out of 3 of those things happening. So please dont assume that we simply chose to live outside of our means. Until you have walked in my shoes, you have no idea what it is like. I pay for medicine that costs over $2000 a month that helps keep me out of a wheelchair and able to care for my daughter. But I guess I shouldn't pay for that either, since it is clearly not within my means.


lrhall41

Submitted by on Thu, 02/19/2009 - 12:09

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Quote:

You need to try to live within your means. A wise person once said "If you continue to do the same things, you will continue to get the same things". In your case that means declined checks and nsf fees. If the money isn't in your account, it is stealing to "spend" it.


Living within your means is good advice but have you heard the expression dont judge a book by its cover? We dont judge people on this forum its not our place nor is it yours Guest.

To our guest with the check problem I am so sorry to hear of your troubles and wish you the best of luck.


lrhall41

Submitted by kfstaff24 on Thu, 02/19/2009 - 12:16

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It was meant as friendly advice from someone who had to learn the hard way. The wise person told me 2 years ago, and I wish I would have heard it 15 years ago. I have lived in squalor for over 2 years to get everything completely paid off. I am finally there. No judgments here, that isnt my calling. And as with anything else in life, when information is presented each person has the choice to take from it what they can, or leave it.
Sorry if I offended anyone, it certainly wasnt' my intention.


lrhall41

Submitted by on Thu, 02/19/2009 - 13:00

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