Is T & C a good company?

I have been with T&C since December 2005 and they have been wonderful to work with. I requested balances still owed on the 28th of February and I received the statement yesterday. They are very busy, but they are good at what they do and they help in any way possible.

I just opened my account with them and they have been absolutely wonderful so far. I received all my paperwork and my first set of coupons. They are busy but well organized.

Does T & C only work with payday loans and do they stop the calls? what is their Phone Number? I am going to Hess Kennedy Company they say hey do payday loans, and credit cards, student loans etc. THat is why I am going with Hess biut is T & C better? I haven't made a payment to Hess yet. Please let me know or answer this question Thanks!

Thanks so much! I just wanted to make sure they were legitimate, considering all of the bad companies I have been dealing with lately. I'm so glad I found this website! Everyone has been so helpful!

T & C works with payday loans as well as other types as far as I know. I just received their paperwork and I have to send in the fee, but I am hoping the calls stop as soon as they start working on my consolidation. Someone else might be able to give some advice on that though?

They have a satisfactory record with the Better Business Bureau. You can always check out a company that way if you have questions about them. I have had very good luck with them.

Do you have telephone for T & C?

I'm also wondering about the calls. Do they stop after T&C starts calling the payday loan companies?

The payday loan companies calls will cease after they receive a couple of months payments and see you are willing to pay them. I have had two call and do their usual threats, and I intern called my couselor at T&C and she handled everything.

Again second request what is he telephone number for T & C? I am going throgh Hess Kennedy - which is better?

Hi Susieq

Please signup with this site, so that I can PM you the phone number.

Regards
Alex

I did.

Still shows you as a guest. Please log in to the forums, otherwise members cannot PM you.

Regards
Alex

I did and it says my account is activated.

Please check your PM. :)

is this a good company?

Glo,

I recommend you to visit this page. Forum members have posted their feedback on this company here-

http://forums.debtcc.com/forums/about7509.html

Thank you guys for recommending T & C. I called them this morning - got the contract and will send them payment Saturday. The couselor said all calls will be stopped!! Yay! I was going to go to Hess Kennedy but T & C is a lot cheaper and they will do all my Payday Loans (13 of them) and all of my other creditors. Thank you again!!!

Thank you for the info on T & C I am sending in my fee by WU and T & C said as soon as they get the fee I can have the payday loan companies call them and my other creditors they also do credit cards, student loans, medical bills, personal loans! I can't wait to have these payday loans off my back!

Good for you!! Soon you will be debt free and finally able to breathe!! We are happy for you, keep us posted on how the steps go for you!

~Mary

I remember when I first signed up with T & C. It was a great relief. I'm sure you ladies feel the same way. Just remember not to take out anymore payday loans. I think we've all learned that lesson.

I have learned my lesson!! and no more personal/signature loans they are high in interests too!!

Way to go! T&C is a really great helpful company. Good job taking the first step to getting rid of those payday loans and personal loans.

I have a general question - I put a stop payment on all the payday loans and am now going to T& C to consolidate these loans - will the payday loans people still harrass me after I put stop payment on these. T & C said they should stop harrassing me after they receive the letter - but do they really? They have my work number and home number and on some I gave real references. Can they call these references? I gave T & C the names of these references and asked them to put those in the letters I am hopint they do. I can't wait to stop these payday loans - will so far they haven't bothered me = they will next week when they find out I put a stop payment on them!!

oh2benc,

Once they start getting money from the consolidation company, chances are they will stop calling you. Mishele could help you more with this topic. Keep watching.

P.S. it seems you forgot to login.

seems like I have to log in everytime I want to post keeps saying my name is already in use> is this right?

Forgot one thing can these payday loans call your references you give - I was honest and gave real references and telephone numbers. I have asked T&C to put those names in the letter and for the payday loan people not to call them. WIll thay adhere to that letter and not call the referemces? ( most references are my family and I don't want them to know about these payday loans.

Some of the payday lenders will call the referneces out of spite and they tell all. They will claim that they can't get in touch with you and tell them the whole story.

That's great most of these references are family and close friends should not have used real names!

How do I get t & c information? How do they work?

Will these people try to get money out of the references or just tell them a sob story that they can't find me?

The PDL companies will tell them anything they can to get information of where yo work, when your there, who your neighbors are. They have been known to threaten arrest unless the contact pays immediately. There are many scare tactics that they use and 9 x's out of 10 they are illegal.

how often do these people contact supervisors?

oh2,

I responded to your pm. I'm sorry but this is the first change I've had to log in today. If they do contact your references and disclose the inforamtion to them, this is considered illegal. You can file a complaint with the Federal Trade Commission if such a thing would happen. I've explained more in my pm. I don't want to go into all that much detail in the forums. None of my references were called. T & C stated not to when they sent my first proposal letters out. I also contacted each of my creditors in the beginning to let them know I was going into debt consolidation. I also let them know not to contact my references that I listed on the application. Try not to fret too much. Please pm me if you have further questions. And don't forget to breathe because you took a step in the right direction. :)

i was looking up t&c on bbb.org. and its telling me they don't have anyone from here on there? any suggestions?

Where are they located at?

T&C is located in Birmingham, Alabama.

They have a satisfactory record with the BBB.

T&C has been absolutely wonderful!!!

i have just started my program today, but just finding them and talking to them and knowing they work wiht payday loan consolidation was enough a relief for me. ive heard alot of good things about them so far. i will be writing about my personal experiences with them and with all the lenders as i go through the program. i urge others to do the same

What do you need when you call them? Names of payday loan places, anything else?

Rachel

you need to find out the names and addresses of all the payday lenders..they need the addresses so that they can start sending out money to them

How much do they charge? Can someone send me the phone number please?

rmunson,
I just sent you a pm with their phone number. Good luck!

Heather

How do I contact Hess & Kennedy and also T&C?

if you sign up for the forum i can send you the contact information for T&C.

Do I need to know, for T&C how much I owe on each of these?

You would think they would have a 1-800#.

Can I send a cease and desist(?)or cease of communication letters to payday loan companies i have with T&C before I know they accept T&C proposal? I have gotten many calls at work last week from these people. I have made payment arrangements with two of the payday loans. One said they would keep calling for collection until they accept T&C I forgot to write down that one so I would know to contact T&C. Should I send these letters out? I really can't afford the certified letter and request for signature right now.

finding this site and talking to these wonderful people who referred me to t&c;)