I took a $600 loan from a check n go store front. I made a $125 payment and defaulted. I contacted the store and they said it will be sent to check n go collections, that was 4 days ago. I contacted check n go collections on my own to set up an arraignment this morning and they said I had to pay $172 now, which I don't have but I will in 10 days. They said that's too late and my account will be transferred to a third party collections. They won't tell me any more info. I'm trying to be proactive and pay but they won't help. Is this normal? Should I worry about the 3rd party collections?

. I understand that the Federal Trade Commission stopped Western Sky from issuing loans on Sept.3,2013. The core of the problem seems to be steming from the State of Delaware and California contact them at the source and ask them if they intend to do something about this i.e. put a cap on their interest rates or revoke their license to operate in their state. Western Sky, CashCall, to Delbert Service. What 'trickle down tyranny'.

Hi All! It's been a while since I've logged into DCC, and I'm glad to see many familiar faces! Also, hello and congrats to all the new Mods that I don't recognize! The last few years have been very busy, both at work and at home. As many of you already knew, I used to be a Credit/Collections manager for a consumer finance company here in Chicago. What none of you probably knew was that we were the type of company that gave out high-risk/high-rate loans, and our business was more than likely one that would be despised by the members of this community. The reality is that back in 2006 when I first found this site, it was because I googled our company name and found some posts here complaining about us. I'm sorry to say that my very first post (as a guest) was actually a backlash and retort against one of our customers, as I knew exactly who she was just by the way she described the situation. As bad as that may sound, I never enjoyed the collections part of my job, but it goes with the territory. However, in our operations, I always made sure that we followed the laws, and I tried to work with our customers as best I could. In 10 years I've never once refused to work with a customer who wanted to pay but couldn't. It was always the customers who had well-paying jobs but refused to pay that we went after in court. After I joined this site, I started to grasp a feel for what it was like to be "on the other side," and my posts over the years really were my way of helping out, although my replies do tend to come from the perspective of a lender. Don't get me wrong though, I've always despised the illegal PDLs and unfair business practices that CAs engage in, just as much as anybody else here. Now that I have "confessed", as you will, I'm glad to say we are no longer in that business. As early as 2005 my boss and I saw the writing on the wall and knew it was just a matter of time before the laws changed and we would either have to close shop or change our direction; we did both. In 2009 we extended our last loan and surrendered our loan license back to the state (and as we predicted, in 2010 Illinois passed extensive loan reform). But as we closed one business, my boss and I also opened a new business. In 2008 we created a new finance company which serves the retail automotive industry. Simply put, we provide financing to warranty companies and car dealers, who in turn provide our 0% payment options to their customers. We charge no interest, and there are no collections. (And for those 2 reasons, I love our new company and my new job!).

All that being said, the reason I haven't been on these forums for a while was basically because I was busy starting a new business. Somewhere in there I also bought my first house, and now having to do things like mow the lawn takes up more of my time. But, I am glad to be back, and I do have lots more information to share and post! Again, glad to see you all!

I have loans with Mobiloans and Plain Green. I have sent both letter to revoke ach auth. I have gotten a generic response from Plain Green, but my account is updated for ach to be removed. I received a response from Mobiloans that ach would be stopped. My bank is also working with me to make sure there is no ach from them to my account. I sent them both letters on 9/12. Neither company has said anything about my settlement offer/ paid in full. I owe plain green still on the principal. and Mobiloans I have over paid.

I live in Ohio and have currently paid $810 on a $600 loan. Can someone tell me if Payday Nation is a legal lender in the state of Ohio?????? Has anyone worked with them? how difficult will they be if they are illegal and I revoke ach

I sent ach revoke for this loan. I know that they are a legal lender but my question is this: Should I deal with inhouse collection as they have already attempted to contact me or would I be better off being sent outside? If being sent to outside collections how do I go about doing that. Looking for advice from anyone that has dealt with them before returning the call or email. Thank you

hello, I live in wisconsin and took a internet pdl from american web loan for 600 dollars. A couple day ago I recieve a phone call from someone wanting to come to my home to serve my papers for criminal charges and told me to call a 18668252386 and a claim number. So naturally scared out of my wits I called the number and some lady stated that they are a collection firm seeking payment of 1900 dollars. I told her I had nothing formal paper sent out to me before being served and I would like to seen way om writing the loan went from 600 to 1900.

I received this email last night. I have never taken a PDL with a company USA Fast Cash???? I have never heard of this company. Any suggestions as what to do? CASEFILE#:XXXXXXXXXXXXXX LOAN INFORMATION DUE AMOUNT-$1495.67 LOAN COMPANY- USA FAST CASH You are going to be legally prosecuted in the Court House within couple of days.. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter.

sorry i'm having troube replying to the thread, here is the response: Please see message below this is the notice at the bottom of your loan agreement in which you verbally agreed to the terms and conditions and you electronically signed your loan agreement. Following this message you will receive a copy of your loan agreement. NOTICE: YOU ARE ENTERING INTO A LOAN AGREEMENT WITH A FEDERALLY RECOGNIZED NATIVE AMERICAN INDIAN TRIBE AND, AS SUCH, THE SUBSTANTIVE LAW APPLICABLE TO THIS LOAN AGREEMENT ARE THE LAWS OF THE BIG LAGOON RANCHERIA, NATIVE AMERICAN TRIBE.

I live in Ohio and took a Ioan from Western Sky in 2011. Shortly after taking the loan it was transferred to Cash Call. I defaulted on the loan in 2012. Today I received a call from a unified portfolio servicing who stated they got my number from my county court office and will be filing charges against me for check fraud if I do not make a huge payment by end of day Monday. They said in addition that my bank account would be frozen and i would be placed on the checks system so I couldn't access my bank account or get another until this is taken care of.