Ace cash express dallas, tx help

Is Ace operating as CSO?

from the search i did on google yes it looks like they are

I'm in the same situation here in Texas. I owe them $333 and they will only accept the full amount. I told them I could break it up into 3 payments starting this Friday, which they refused. Kept telling me they were going to proceed with the case. She told me I couldn't make partial payments because it wasn't in collections anymore. I though about just going down there right now and just paying $100 today. I'm wondering how this will work. The "case manager" told me I couldn't do this because I took the loan out online. That's true but I picked up the money in store. They're giving me lots of conflicting stories, so I'm thinking it might be possible just to make partial payments in the store.

This lender needs to be reported to the FTC asap! There is a link in my signature to file a complaint, please do so because this company should not be permitted to treat their customers this way, I don't care if they are a CSO or not, it needs to be reported! Refusing payments and speaking in this manner to people is unacceptable. Please file complaints!

To original poster, I just wanted to let you know what I posted in my own thread dealing with the same problem and to tell you thanks for posting what you had gone through.

'Thanks! From the other thread where someone was having the same problem in Dallas, I decided to go to the store and make a partial payment there. At first she told me I couldn't make a payment because I hadn't gotten the loan there, but when I told her it was in collections she accepted it and just told me to save the receipt. I'll be awaiting a harassing phone call tomorrow, but now I can at least tell them they are liars because I could make a payment. I'll continue to make a payment until the store won't accept it. If they still somehow take some legal action against me within the next 3 weeks, at least I can prove that I was trying to make payments and I wasn't trying to steal or commit fraud or whatever else.'

Well my case manager called again this morning rather upset that I made a payment. She asked me why I did that. I lied and told her I consulted my lawyer friend like she told me, and that I was told that until I received written information that I was being taken to a civil suit or owed on an NSF, that I should make an attempt to pay that debt whichever way I could to show that I was not refusing to pay, and since I was still able to pay on that debt that meant it was still in collections and not in a civil case status. I also told her that she gave me wrong information when she told me I couldn't pay at a store because I took the loan out online. Of course she told me she never would have said that. She asked what my intentions were in regards to this debt. Told her that I planned to make payments until it was paid off and this was going to be my answer everyday she called. She said this was not going to make the problem go away because it was an NSF issue and that she was not going to be calling me ever again. I said that's great, but can you tell me when I can expect to be served with papers, go to court whatever so I can go ahead and pay this, to which she said "contact your lawyer friend and they can tell you."

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here is what I sent them, change it of course to work for you but it did great for me. I hope this helps you or anybody else dealing with these vultures

12/4/2009





Attention:

Ace Cash Express

RE: Your phone call on reference account #:

Dear

According to my records and your phone call the balance of this debt is $_____. I am not disputing this debt however; my current financial situation prohibits me from paying the amount you're demanding. I am able to make payments on this account every Friday to your company in the amount of $ ___.

I would appreciate a call from you confirming your acceptance of my payment terms. However, if I do not hear from you, I will consider your acceptance of my cash at your store each Friday as confirmation that you accept my payment terms. If you do not accept my terms then I expect written confirmation that you are refusing my attempt to settle this debt.

As a show of good faith I've made my first payment in the amount of $___ on 12/3/2009. If my financial situation improves enough for me to increase my payment amount I will contact you immediately. Thank you for understanding.

Sincerely,

Oh and one more thing, please file with the FTC and the BBB on these guys.

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