Help - Check N Go Installment Loan

First I live in California. I borrowed $2,600.00. I thought the re-payment was $258.83 monthly; not $258.83 out of each paycheck!

Check n Go is a legal lender - I would start with calling their corp office and see if you can work out any different payment plan, they may have you go into collections to work out something you can live with. I would still revoke their ACH authorization - there are other ways you can pay them than straight out of your account. I would get the bank account closed down asap and open a new one not linked to the old if you can - if in the negative that may be hard to do - see if they can at least get the account on deposit only status right away.. keep us posted and we are here to try to answer all of your questions.

I was in your same situation. CALL THEM. They will work out a payment arrangement....I told them I had overdraft fees because the payments were just too large and they put me on a "hardship" program of $100 for 5 months, then we worked out a settlement on the remainder of the balance. They are very helpful, just don't avoid them.

communication is key with legal/storefront lenders.explain your situation,and come up with a PP that benefits both parties.it's not as hard as you think.

Hi Natalie,

I did call them; and explained my situation as same I did in writing. I spoke with Kayla, asked her for options, anything I can do to keep my agreement and modify the payment etc. She said there are not any options available for me, either I have to pay per the terms of my agreement or go to collections. She was very cut and dry; could not explain why options were not available all she kept repeating was "no options ma'am, you have to pay per your terms of your agreement. If your payment is not collectable you will go to collections".

I called again and spoke with Linda; presented my same situation that I am in danger of loosing my checking account all together and I need to see what my options are to satisfy my commitment with repayment of the loan and keep my checking account in good standing as well. Linda's response was the same as Kayla. Only Linda added I could pay the balance in full today. Which would be the obvious to get over this nightmare, but I don't have or I would. I felt like I was talking to a wall; I asked to speak to a manager, and I was told she was the manager. I don't understand the mentality of collecting on something that will cause an overdraft, I loose my account with my bank, which cant be collected on for future payments; so I go to collections and loose my account with my bank... this makes sense to them? I wish I would have had the opportunity to speak with the same rep you did Natalie, or offered something to work out payment that works for me and they can continue to receive auto on time payments. As a lender you would think they would prefer some payment over none. I even went to my bank with the paperwork to try to work something out. My banker even offered to call check n go with me there to work something out so I could keep my account and keep a good standing on my loan. When we called a rep by the name of Chris said he was not authorized to speak to a 3rd party regarding the terms of financing; even though I was right there with her on speaker!!! Never in my life have I experienced such nonsense or a complete run around!!!

Are you calling the store level or the corp office? I would still say revoke their ACH authorization in writing - it can be faxed to their corp office.. and I would have my account closed down at the bank and open a new one not linked in any way to the old, as I stated previously... if it goes to collection - they will work out a payment plan.- what other choice will they have..

Try this number -
Check n Go Corporate Office | Headquarters
4824 Socialville Foster R Mason, OH 45040
Phone: (513)336-7735

You will have to officially default before they will discuss payment plans with you. Once you default they will contact you to work out an alternative payment plan.

I was able to work out payment plans with 2 legal lenders with no problem - prior to default, I simply as stated called the correct people at the corp level and explained the situation - told them I wanted to at least pay what had borrowed - but could not continue on the current schedule.. you have to talk to some one in collections and have a plan.. as I stated you may have to go into collections to work out a payment plan you can live with - most extended payment plans - are like 4 equal payments.. store levels will either not offer or can't so - CALL CORP ask to speak to someone in collections - explain not there yet but want to work out plan - if they still say not - shut down your account - revoke ACH authorization and eventually they will offer a payment plan..

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if they still say not - shut down your account - revoke ACH authorization and eventually they will offer a payment plan..
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Yup - it's in their interest to work with you. They would rather get the principal and some small amount of fees back than have to fight you for months/charge you off to a CA.