Sonic Payday not accpeting payments from T&C

Sue,

Once you have put the account of Sonic in the management program, your consultant should deal with Sonic and ensure that you don't get any calls from them.

Talk to your consultant and request him to give you the update on your account. You need to know whether Sonic has accepted the payment from you through the management company.

We haven't made payments to Sonic yet. I was wondering if anyone had dealt with them through a company like T&C and what had happened? (Please don't change the subject of my message to what you changed it to, it's very misleading this way.)

although this has nothing to do with what sue was asking, i thought i'd let you guys know that ca's will not always work with debt consolidation companies. collection activity can still continue against debtors who are in dc programs.

You are so wrong KarmaPolice. When I was in debt management all colection activity ceased after the 3 month period.

actually i am not 'so wrong.' please note i did not say ALL collection agency won't work with dc programs. nor did i say collection activity will ALWAYS continue if a debtor has an agreement with a dc program. the company i work for (which is 3rd party collections) will NOT work with any dc program. and if a debtor notifies us that they are working with such program, we advise them it won't stop the collection activity against them and they should make payments to us.

KarmaPolice

Quote:

Ok, you made your post while I was writing to you.

So, it means that your agency specifically does not work with debt consolidators. But you have not implied this statement for all other collectors.

Quote:

Does anyone currently have payments made to T&C for payday loans? If so, how is it working?

We just started with T&C and everything seems to be going well. I just made our first payment today and we had a ton of payday loans. Suprisingly, most of the companies seem to be working with T&C, at this point Sonic Payday is one of the few we aren't sure about.

Sue,

Are you getting the monthly statements from the T&C showing the break up of your money sent to the lenders? This way, you will be sure that the money is going towards your debt account.

Can someone tell me how to contatct them about consolidating payday loan?

If you join on here one of us can send you a PM with the information on T&C.

Can someone give me information about this company on paying your bills even with bad credit and have one payment a month. Thanks.

Sparson, do join this forum and someone will give you the required information. We can't stick the information here as it is against the rules of this forum. I will send you the information through PM

Hi,
Would someone please send me the contact info. for T&C?

Thanks,

You will need to register with the forum in order for someone to pm you with the info. It's free and quick.

dccbooth,
I pm'd you with the information.

According to T & C, Sonic is still playing games with them. I hope they cash the payment that was sent on my behalf last week. I'm sure they will.

They cashed mine and had no problems accepting. I think the more heat we put on Sonic the better off everyone else will be.

Brat,

When did you start paying Sonic? I've made 1 payment through T&C and haven't heard anything from them since. Just curious.

1st payment went to sonic on the 29th of December and they accepted the payment. Much to my surprise after all the trouble Sonic caused.

How do you guys know if a payment has been received and accepted? I have made 2 payments to T&C, but they haven't contacted me at all. Am I supposed to be calling them- I'm still afraid I am not doing all this correctly!

Crystal

I am interested in possibly consolidating payday loans as well. Please let me know if T&C offers these services as well.

Thank you.

I keep in close contact with T&C every two weeks before I send my payment to make sure everything is ok. I just got off the phone with them and so far things are going smoothly as can be expected.

Has anyone received a monthly statement from T&C?

I have received a statement from T&C, all you need to do is ask and they'll send you one. My theory is no news is good news. I do stay in very close contact with them, weekly at least if not more. We still have some creditors calling and I always stay in contact with T&C when this happens. They are great!!

I have currently enrolled with t&C and they assured me that they will take care of ALL outstanding payday loans. However, as i have read your site I am not sure as to whether they have been working with sonic. They assure me that they are, wanted to here from someone that knows this for sure. I have received threathening calls from sonic stating that they will take me to court, my credit rating will be ruined, and they will do every possible method including something with the courts if i d not make a one time payment, I have offered payments to them, but this is unacceptable. Tand C said it will be fine, but i need to ease my mind

Can anyone tell me how I can contact T&C. I have gotten myself further into debt with the so-called easy payloans.

Thanks.

Jordanfox, read the posts above and you will see that Sonic too is accepting payments from the consolidation company.

Sonic will try to pressurize you in making one time payment until they get assured that you will not be missing them. Most likely, they will stop calling you after a couple of months after receiving money from you. Just keep in touch with them and make them aware of the steps you are taking from your side.

I received my first statement from T & C last Friday. It was a relief to see Sonic was one of the first paid even though they are still playing games with them. (Sonic is playing games) It does take time for the proposals to be accepted but hang in there. All of my creditors have not accepted proposals yet. I've been on the program for about a month now.

Jordan,

Send Sonic a cease & Desist letter via certified mail with return receipt requested. I send it to their PA address. If you need it, I will send it to you. Let them know not to call you at work or at home, to contact you through mail, or just to contact T & C since they are working on your behalf. They have harassed a lot of us. I know because I am one of them. They probably will continue to call but when they do, they are breaking the law. File a complaint then with the consumer protection office or AG in your state as well as PA. The more complaints we have against Sonic, the better. If you want more info, feel free to PM me.

Well, I just got a call from T & C and Sonic has agreed to accept payments and wave the NSF charges. Hmmmmmmmm...... wait till they get the rest of my consumer complaints LOL!

can someone tell me how to contact t&C?

Guest

After you register in this website, one of us will give you the information to contact T & C.

Please let us know after you have done the sign up here.

I am now registered. Could you help me with the T&C contact info. Is there a website or phone number. I am up to my eyeballs in debt from payday loans, mostly small ones but the finance charges have added up.

Thanks.

I will pm you the information.

i just acnother call from sonic stating that they are going to garnish my wages, even though they know that i am not working at my other employer, they will do a trace to find out where exactly it is that i am working....can they do this? As far as T&C they (sonic) will not give them any information or speak them ....can they do this as well?

jordanfox, talk to your employer and make them aware of the Sonic's illegal intentions. Sonic might send a wage assignment to your employer and they will simply have to disapprove it by not out money from your pay stub.

You need to send a revocation letter to Sonic's mailing address and a letter of 'notice of defense' to your employer. Make sure that you have sent these letters through certified mail with return receipt requested and have everything documented in a file.

Sonic will pretend not to work with your consolidation company at the beginning but after a certain stage, they will agree to it. Ask your consolidation company to keep sending the payments. Sonic may not be willing to accept it and return it back to you. If the matter is taken to the court, the judge will understand that you have been trying to pay the debt and it was Sonic that was not working with you. This will make your case stronger and force Sonic to accept the payments from you.

I guess the matter won't reach so far and Sonic will take a lighter turn. Talk to your employer and let them not deduct the money from your payroll department.

david...do you have a "draft" notice of defense letter. And the address i have for sonic is a P.O. Box , can i send a certified letter to a PO Box.

I just want to know how they can go after my new employer? How can they find this information out, especially when my bank account is frozen, and I no longer work at the emoployer they have on file.

Thank you for all your help

Sonics Us addresses are forwarding addreses. You need to file a complaint against them with the BBB, FTC, States Attorney General Office, and the Consumer Protection Office in your state.

ok -i have done the process of filing complaints against sonic with the BBB - i will do the following as well.

Still need to know about the letter i have to send to them to tell them to stop the "wage garnishment" which address do i send that too......thanks

Can someone tell me how to reach T&C?

Jordanfox, read this page carefully and know the process of revoking the wage assignment. You need to send a revocation letter to Sonic and a notice of defense to your payroll department. All the details have been explained in this link.

http://www.debtconsolidationcare.com/forums/wageassign-legal.html

You can address Sonic at

Sonic PayDay
P.O. Box 1209
Oaks, PA 19456

joyfordream, I have sent the details by PM. Check your inbox, please

Well... I had many payday loans and ended up defualting on them... all were willing to work with me and make payments and they are all now paid off with the exception of Sonic who simply refuses to let me make a payment other than in full. They recently sent a package to my employer asking that they pay them. My employer basically told them to go screw themselves without a court order. I then called them and told them that they can either "A", accept a few payments from me, or "B", sue me and still only accept payments from me through wage garnishment through the court system. By law they can only take "up to" 33% of your income and there are many exceptions to this rule allowed by the courts... I say screw Sonic! I don't care either way! They wont work with me, so I'm not working with them... either way, they are still only going to get payments! I realize this will cost me a little more in the long run and I would have a judgement on my credit report, but so what! I already own my home and have a new car!

Sonic is going under several names now and they are being investigated in Canada. They are very hard to work with. They will try every trick in the book to get their money back. DO NOT let them intimidate you. Send them a wage revocation letter by certified mail with return receipt. Their is alot of us in the forum that has/is dealing with Sonic and you will find that other people will help you with their suggestions on how to handle Sonic.

I am actually seriously thinking about filing a law suit against Sonic for all the illegal tactics they have used against me. They have been quiet since I have file complaints against them. I received something from PA AG's office last week stating that they will investigate the matter further. I updated my complaint with my state's AG's office a few weeks ago and sent another nasty gram to Sonic last week or the week before. My file is so big on them right now. They haven't responded to my complaint that I filed against them with the BBB but that's no big surprise. I want to see this company shut down. They just don't give up on their idle threats to people. :twisted:

Michele,
Cash is still king and Sonic are nobody else is gonna refuse it.

I was wondering to anyone who has used Town and Country Acceptance out of Birmingham,AL they told me on the phone they pay off the debt all at once instead of partial payments could someone please tell me if they do? Thanks!