logo

Debtconsolidationcare.com - the USA consumer forum

Storefront PDL

Date: Wed, 06/21/2006 - 16:52

Submitted by anonymous
on Wed, 06/21/2006 - 16:52

Posts: 202330 Credits: [Donate]

Total Replies: 25


Good Evening all,

I've had to 'stop payment' on a check to a store front PDL (National Cash Advance/Advance America).

Anyone have any experience with them?

They can't charge you with fraud...can they? I'm quite sure they can't because I fully had intention to pay it when the loan was taken out.

Thanks for all your help.


Fraud is intent not to pay,or ever plan on paying when loan was made. Also,they have the burden of proving fraud.


lrhall41

Submitted by Roadwarrior on Wed, 06/21/2006 - 16:59

( Posts: 637 | Credits: )


Stop payment on a check does not mean fraud, hence it can't be mentioned as an illegal activity. I was reading a thread here with similar issues.

http://www.debtconsolidationcare.com/forums/check-fraud.html

Talk with Advance America about your payment plans. Hopefully, your proposal will be accepted as you are aware of your responsibility


lrhall41

Submitted by andyyoung on Wed, 06/21/2006 - 17:06

( Posts: 451 | Credits: )


I've had quite a few PDL's with them but it's just that it got to be too much. I wasn't going to have my electric shut off because I had to pay AA.

They do have a habit of filing small claims (I've done my due diligence) in this area (a few years ago they did the 'bad check' claims but they seem to have stopped.

It typically takes 30-40 days until the small claims hearing and I'll have AA/National Cash Advance paid long before that happens.

I plan on faxing them my proposal tomorrow, as I can't make it in to their store.

Sound good?

Lastly, I appreciate all the responses.

(So, I won't be charged with fraud...right?)

I sure as heck hope not, I've always paid my PDL's.


lrhall41

Submitted by on Wed, 06/21/2006 - 17:18

( Posts: | Credits: )


Relax Jeremy, you are concerned about your debts and this nothing is more important than this. Now, we all go through financial troubles and lenders are also human beings. You just need to explain them in that way so that they get the seriousness out of it. Ensure them that you will make the partial payments regularly. You will get some benefits from them for sure. I hope the best for you.


lrhall41

Submitted by andyyoung on Wed, 06/21/2006 - 17:39

( Posts: 451 | Credits: )


In Illinois , the law CLEARLY STATES and the contract must also conspicuouslythat you can not be jailed or criminally charged for defaulting on PDL.

However as with any debt, it's best to be upfront with the lender when you know you aren't going to be able to repay, rather than letting them find out the hard way. If you come to them when you first foresee the problem they may be more likely to work with you than waiting for the check to bounce.


lrhall41

Submitted by LCW on Wed, 06/21/2006 - 19:38

( Posts: 1151 | Credits: )


I defaulted with Advance America, twice actually. Both times they let me pay a little every payday. Contact them, it's worth it. Explain you can't pay. They don't want to take you to court; it's too much trouble. Make a reasonable arrangement with them. You will feel better. Good Luck.


lrhall41

Submitted by on Wed, 06/21/2006 - 23:08

( Posts: | Credits: )