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Cashnet USA

Date: Thu, 11/10/2011 - 12:34

Submitted by glon
on Thu, 11/10/2011 - 12:34

Posts: 8 Credits: [Donate]

Total Replies: 2


Hi, I'm sorry I am being so annoying. I'm just trying to figure out my options. I contacted Check n Go about not being able to keep up with my payment arrangements. They actually were really good about working with me. They extended my due date for my payment for 2 weeks from now, and lowered it. They just said they "need the balance paid by the end of December." My balance is around $800.

Now for Cashnet, I keep getting told 800 different things. No joke. They don't make sense. I will attach my conversation below (I chat online so that I have proof of the conversation).

So I'm not sure what I should do about Cashnet and repaying them?

Any advice/help would be very much appreciated!


[COLOR=#000]Hello! Welcome to CashNetUSA, America's trusted online lender. A representative will be with you shortly.
You are now chatting with Rosalva.
Rosalva: Thank you for using CashNetUSA online support. In order to look up your account, can you please provide me with your customer id? Also, can you please provide me with your home phone number and last four digits of your social security number?
ME: xxxxxx

Rosalva: Thank you for verifying your information.
Rosalva: According to our records your current loan is set up in a payment arrangement with our collections department which cannot be change, canceled or altered for any reason. The amount of $150.00 is due on 11/14/11, $150.00 is due on 11/28/11, $150.00 is due on 12/26/11, $382.33 due on 1/09/11 and 01/23/11.
Rosalva: Your loan cannot extend because it is set up in a payment arrangement.
ME: Ok, I realize this is not your issue, I really do. But I have had my utilities shut off. I have a two year old. I don't know what to do.
Rosalva: I'll be right with you.
ME: Thank you.
Rosalva: I understand your situation. However, since there is not an acceptable payment arrangement set up, collections procedures will continue until we are able to secure a payment on the account.
Rosalva: Sorry, I can have the payments canceled?
Rosalva: I do see that you have had returned payments and we have not bee able to get a payments.
ME: I have $20 to my name. I can pay this? I'm sorry, I really want to take care of my balance, I do.
Rosalva: Sorry, but we will need a minimum of $50.00 to secure a new payment arrangement. Your payments have been forward to management to have them canceled. However, our collections procedures will continue for the past due balance.
ME: I can borrow an extra $25 from someone. Can I have this debited from my prepaid card account tomorrow morning? That way I have time to go get the money and put it on the card after work today?
Rosalva: I'm sorry for the delay. I'll be right with you.
ME: No problem
Rosalva: Sorry, but I can't offer you payment arrangement for $50.00 tomorrow as the remaining balance of $100.00 will need to be set up and I cannot set up more payments.
ME: I'm confused, you said I needed $50 to secure a new payment arrangement?
Rosalva: You were given a courtesy payment plan which is set up, that I cannot offer you. I will need $50.00 right now and then set up the $100.00 for another day, this the one payment due on 11/14/11. The balance of $1364.68 was split up into 6 payments.
ME: Ok, sorry I'm being difficult. I just want to know where the 1374.68 balance is coming from because the payment arrangement I had showed a total of owing 982.34.
ME: And I'm not disagreeing with you, I'm just trying to figure out what I can do.
Rosalva: Thank you for waiting. I'll be with you in just a moment.
Rosalva: What I can do is forward your account to manage to cancel the payments. However, please contact us back set a secure payment arrangement, as the balance can only be split up into 5 payments and the minimum will be $50.00 today. The total balance due is $1364.68, $150.00 is due on 11/14/11, 11/28/11,12/12, 12/26/11, that is $600.00 plus the $382.33 due on 01/09/12 and 01/23/2012 that is $1364.67
ME: Ok that's where I was confused because the payment arrangement emailed me did not have anything for the date of 1/9
ME: It must have been a typo, this is copied exactly from the email:
ME: Payment Method:Debit/Credit Card Date:2011-11-14 Amount: $150.00 Payment Method:Debit/Credit Card Date:2011-11-28 Amount: $150.00 Payment Method:Debit/Credit Card Date:2011-12-12 Amount: $150.00 Payment Method:Debit/Credit Card Date:2011-12-26 Amount: $150.00 Payment Method:Debit/Credit Card Date:2012-01-23 Amount: $382.34
Rosalva: Yes, I do see the error in the email. I apologize , but you did agreed to the payment for 01/09/11.Please contact us back when you are able to secure a payment arrangement or a good faith payment.
Rosalva: You are welcome. I am unable to set up 6 payments in your account, if I do $50.00 on 11/14/11, the remaining balance will only be split up into 3 payments following the pay dates on file.
Rosalva: Please contact our Collections Team at 888.801.9078 if and when your situation changes so we can continue to work together to resolve this matter.
Rosalva: Is there anything else I can assist you with today? ME: No thank you.
Rosalva:
Rosalva: Thank you for choosing CashNetUSA. Have a great day!
ME: Ok, thank you.
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lrhall41

Submitted by glon on Thu, 11/10/2011 - 12:38

( Posts: 8 | Credits: )