Plese Help ME!!!

roxy, they might. All she has to do is call. Or, if she's not up for it, I could call for her. LOL!

I took that printout to the office and talked to the manager and she said that they do not do this anymore and I have two days to make a full payment or they will have to take action. She said corporate told them they cant do this because too many people take advantage of it.

Harris,

This is from Goudah's post yesterday but I know you are feeling the pressure right now, just hand in there...



I am sure right now you are feeling like you have don't have time to file. Just stay calm and we will see what we can do.

Are they saying they are no longer a member of the CFSA? Or just that they don't do the payment arrangements anymore?

If they are still a member of the CFSA, file a complaint against them. A link to the complaint form is here.

They cannot pick and chose what rules of the CFSA they want to follow. If you file a complaint the CFSA will help you mediate with them.

They are a still a member of CFSA, but cannot take payment arrangements. I dont know what I am going to do. I had my first full paycheck in a long time, but it all is going to other things that I am behind on.

harris, you are in Kentucky, right?

yes

Okay, here's your options since this storefront is being a total butt. You can "let it go". Let them turn it in to the bank and have it returned NSF. Yes, you will get a NSF fee on your account. (Make sure you have no money in there to cover it.) They will contact you either by phone or mail. They will try calling your butt 100 times regarding pmt. If you don't respond, they will call your job and your references. This sucks. So, if they call you or send you a letter, contact them back. Tell them "oops" and you have to make pmts. (Yes, you already played this game). They will tell you no. You will tell them you don't have it to pif. (Yes, this is a game). They will tell you that they're going to turn you over to corporate/collections. Okay. Tell them to do what they gotta do. Once you're turned over, you can make pmts. As stupid as it all is, this is what it boils down to. In the meantime, if you do choose to do this, do not be surprised if while making pmts, you can't write checks at like Walmart, Dollar General, etc. They will put out a "mark" on your check writing abilities until the check is pif. Then they will take it off. I have found that it's actually the store managers that are the jerks. The corporate/collections are very nice and ask you when you can make pmts and how much. Go figure it all out. It's beyond me. However, harris, you will have to stand strong if you're going to take this route. Because that store manager is going to be a butt. That manager is your biggest hoop to jump through. He/she wants commission. You pif, they get commission. You don't, they don't. So they're going to try to pressure you into pif'ing and rewriting, even if it means them telling you to borrow it from a friend. (Yes, they will tell you to do this). Does any of this make sense to you? If you have any questions, just ask.

yes it all makes sense. She already told me to borrow from family members or friends whatever I have to do, but to make sure I have my payment in two days or they will have to "take action".

Okay, so they already played the "borrow the money to pay us" game. Shady creeps. I've had it done myself. They're "take action" will most likely be turn it over to corporate/collections. This is where you would be able to make pmts. However, before they "take action", they will call you a million times trying to get you in there (with borrowed money) and re-write another check. They will try to pressure you into it. You'll just have to keep insisting you do not have it. You don't have it from someone else. You can't "crap" it. Eventually, they'll turn it over. I couldn't believe how nice the people at corporate/collections were. "When can you pay? How much can you pay?" Not - pay us now in full or else! Nothing like that at all. It's the store manager that is nasty.

I have already closed that account so can they still put a mark on my checks even with a new checking account?

on the bright side I got my first pif from Payday Ok

Congratulations on your PIF! Excellent job! :D

Now for the bad news. :wink: Yes. They put a "mark" on my check writing abilities on my NEW bank account. Apparently they go by your social security number. Until it's PIF, some stores won't take a check. Not all, but some. And this isn't to say it will actually happen to you. I think it's a "random" thing. Maybe depends on their mood? But, if you have a debit card, you can still use it. If you're paying bills, etc., you can still write a check. It's only at the stores. It's kind of like you have a "bad check" out - an "unpaid check". Which, actually you do. But once it's PIF, it's taken off. I know this is a drastic measure to take, but if the store is being a butt & totally refusing pmts (they're retarded - something is better than nothing) then let them turn it over. At least you'll be able to make pmts and you won't have to rewrite another check and keep the vicious cycle going until you die........

Also, depending upon your bank, they are only allowed to run the check through one time or two times (tops). They can't keep running it through 100 times. They ran mine through twice. So I got hit with two NSF fees. Most of the time, they will run it once and that's it. But depending on your bank, they might let it go through twice, but that's it.

Congrats on the PIF!

Please file a complaint against them with the CFSA! They will also help you mediate a solution.

Thanks, goudah! Yes! File a complaint against them! They are not abiding by the "rules" that they are supposed to. If they are a member, they are a member. They can't just pick and choose who they will take pmt arrangments from. Thanks, goudah, for the wonderful information!

Hey guys and gals I received this from one of the ipdl

Thanks for the response. I am attaching a document that you need to sign & fax back to the number listed on the first page along with a copy of you driver's license.

Once that has been received we will send the funds to your bank account at (bank name removed) to the account ending in (account # removed), (which I dont have anymore)

Thank you,

Debbie

SETTLEMENT AGREEMENT
AND
MUTUAL RELEASE

FAX: 1-866-935-5500

Authorized Signer[color=Red][/color]

*edited for your own safety. cannr*

I am very leery of this with some of the wording and especially asking for a copy of my license. I didnt give them a copy when I got the loan, so why should I give it to them to get my refund?

Harris, wow!! My eyes are crossing just reading this. There is so much unnecessary stuff. Some of what I have read on there made me nervous too. Hang in there..someone who understands the legal mumbojumbo better than I will be along soon. Great job getting this far.

I had a similar "clause" in one of mine ipdls...I asked and was told they needed my license to prove it was me agreeing to the terms of the disclosure. The rest of this is legal "stuff" designed to protect themselves if you change your mind and decided to take them to small claim court...or if you filed a complaint at the AG and then they went after them. All and all I think your safe with it.

harris, this is a mutual agreement. I've also gotten one. However, they didn't ask for a copy of my license. But morningstarr had it happen and they told her the reason why. I would assume it would be okay. Hell, they have all your other information (name, social security number, address, phone, etc). They have everything they could possibly need to "screw" you. Morningstarr didn't have a problem with it regarding her license. And as she stated, it's mainly just to cover thier a$$ in case you "change your mind" and decide to take them to court. Hell, I signed mine in order to get mine resolved! It's entirely up to you and what you feel comfortable with. However, here is my issue. If you no longer have that particular bank account (which I edited out just for your own protection), then how are they going to give you your refund? They will try to credit that account, which is closed, and the refund will be returned to them. Before signing this and faxing it, you need to contact them and tell them if you are willing to agree to signing it to receive your refund, but tell them the bank account no longer exists and they will have to issue you a check as a refund. If they do agree to issue you a check as the refund, do NOT cash it at your bank. Take it to Walmart, the liquor store, somewhere so that your bank account information does not show up on that check. Am I making any sense here? :wink:

Good point Cannr. Never thought about not cashing a check at your bank. I will have to remember that.

pyb, this way they can't get your bank info. when they get their check back. Tricky, tricky, tricky! It's worth paying a few dollars to get it cashed somewhere else so that your information is not on it! :D

yeah I see exactly what you are syaing. I would definitely lose part of it to check cashing fees to keep them from getting a hold of my new account.

This is a mutual release...they refund your $, you go your way, they go theirs and this releases liability of both parties.

What concerns me is the confidentiality clause in Section 4....PDl's scour these sites and can potentially match this up with your situation especially with the dollar amount in there.

If a Mod is reading this,please consider removing the text specifics of the post of the mutual release agreement for the protection of the poster.

Member has been pm'd regarding this. Thanks, volley. :D

Thanks cannr :)

Payday OK and PaydaySelect are the same company. If you got a PIF from one, make sure you send your letter to the other also, and a PIF should follow very shortly.

That is interesting because Payday Select is sending me notices everyday saying I need to make a payment to them. Thank you I will do that right now!!!

harris, I pm'd you. Do you want to leave the Mutual Agreement posted? As volley stated her concern that the pdls may lurk on the site and see it. I did remove your name and any bank information. However, do you want to leave it?

No you can take it down. I just wanted you guys to see it because I wnated to make sure I didnt do the wrong thing again.

harris, I went ahead and just edited the agreement. So your post looks "funny" now; however, the post still remains but the agreement is gone. :wink:

okay so, Apple payday is telling me they dont have to go by the laws of Ky. They said "Please be advised that it is our position that the State of Kentucky or any of its entities has no jurisdiction over the company????????s activities. The company operates under a Delaware Licensed Lender License. All loan applications are received by the company in Delaware. The loan decisions are made in Delaware. Loan contracts are accepted by the company in Delaware. Loan proceeds are disbursed from Delaware from an account at a Delaware bank. Payments are received in Delaware. The Company????????s loan agreement states it is governed by Delaware law and applicable federal law. The company has no employees or agents in Kentucky. The company does no direct advertising in Kentucky or to Kentucky residents.

Additionally, we did not solicit your business. You contacted us over the internet using a search engine. I do hope this clears up any misinterpretation you might have had."

Where do I go from here? Today I had a notice in the mail that I have a certified letter at the post office, but I am scared of what this might be since it has also been quiet with Cash Express and I am afraid it is a civil summons or something like that from them. I filed a complaint with CFSA and they sent me a letter saying that they are investigating, then I received a letter from Cash Express saying I was seriously past due and payment in full is required, but that is it.

harris, okay, Apple Payday can kiss your butt. I'm just being blunt here. No, you do not abide by the laws of Delaware. You are a resident of Kentucky. The debits were taken from your account in Kentucky. They transacted business in the state of Kentucky. Kentucky has deemed internet lending to be illegal. Sorry about their luck. I've gotten a million letters from pdls telling me that "their" law governs the contract. No. You are a Kentucky resident. The bank transactions were at a Kentucky bank. They were doing business illegally in Kentucky. Plain and simple. You're going to have to respond (again) with your state laws and remind them that you are not bound by the law of Delaware. Yes, they're going to play this game with you.However, please take it from me. They are full of it. You're not "confused" as they state. They are operating illegally to a Kentucky resident. Period. Now Cash Express, that's another internet loan, correct? Or is that a storefront?

storefront. They refuse to take a payment arrangement.

I forgot to mention cash transfer centers sent me a warning letter saying I had to make payment in full and Friday is the deadline.

harris, okay. First off - Cash Transfer Centers - did you send them a letter revoking any wage assignment you signed with them? Please tell me you have already done this. Answer this and we're going to move on to Cash Express, okay?

yes I did

Great! :D Cash Transfer Centers can kiss your butt. They are so illegal, I can't even laugh about it. I've dealt with them, too.

Okay, Cash Express. I just double checked to be sure. Cash Express is a member of the CFSA. They have to offer you the EPP. Have you contacted them at all regarding your loan? You said they refuse to take payment arrangements. Did you call the store manager and tell them you are unable to pay in full and must make payments? If so, what exactly did they tell you?

yes I did and she said they dont take arrangements anymore. I have to pay in full or go to small claims court.

Which Cash Express is this? They are members of the CFSA. This means you can go in there and tell them you need the EPP. They are supposed to give you the EPP. You can invoke the EPP one time per year per storefront. When is it due?

it was due two weeks ago now. I called them and went to see them as soon as it was due and told them my story and asked for payment arrangements. the store manager said no way, they are sorry about my situation but no way could they ever take payment arrangements i will have to pay in full or face court

cash express shelbyville

harris, here's what you can do. I realize that it's already past your due date. To invoke the EPP, you have to do it before the due date. However, you can look up Cash Express on the BBB site. It will give you the main office information. Call them/email them. Ask them if they are indeed a member of the CFSA. They will most likely tell you yes. Tell them what happened. That you went on your due date, you asked to be set up on payments and you were refused by the manager. They will probably then give you the regional manager of Kentucky's phone number. Call the number. Tell the regional manager what's going on. I did this. The regional manager called the storefront and spoke with the manager and asked what the heck was going on. Long story short, the store manager now has a complaint filed against him (this is a different store front than yours) and I was told by the regional manager to go in and tell them I need to invoke the EPP. They called the manager (who was scolded) and he said "yes" and I got the EPP. Now, yours is already past the due date. However, if they are indeed a member of the CFSA, you should have been able to invoke the EPP when you went in or at the very least they should have informed you of it. Please give this a try. And I don't know exactly how Cash Express handles their checks, but I do know that in Kentucky, the majority will send you to corporate/collections before taking you to court. If you get sent to corporate/collections, they will make payment arrangements with you. However, I would really like for you to at least try to contact the regional manager of the storefront and let them know what's going on. They know if the manager is doing "wrong". And they will call her. You can also file a complaint with the CFSA regarding this storefront. I actually filed my complaint with the corporate office of the storefront. I do plan on filing a complaint with the CFSA regarding the storefront though. Please try calling the regional manager. I just went to the BBB site and looked up my storefront and got the information off there. I called first and asked if they were members and was told yes. Then I emailed the regional manager and asked the same question and told my situation. That got the ball rolling.

I see now you posted the Shelbyville store. If you aren't comfortable calling, I will call for you tomorrow and ask these questions. I have no problem calling and asking questions! :wink:

well you can call if you like, I have talked to the store manager there until I was blue in the face and dont relish the thought of talking to her again.

harris, hang on. I'm going to find out their information and I will call and see if they are indeed a member of the CFSA. Also, find out what is going to happen since you're 2 weeks behind. I will post back to you as soon as I find something out.

harris, they operate under Cash Express, which is a member of the CFSA. The girl I talked to "didn't know" if they were a member. So she asked a man there and he said "Yes, we are a member of the CFSA." Apparently there are some uneducated people there. You honestly need to (and I know you don't want to) go back to the store. Tell them you called the corporate office (so you didn't, whatever) and were told they are indeed a member of the CFSA and you are entitled to the EPP. Tell them that when you went there on your due date and asked for payments, they didn't even suggest the EPP and just flat refused. I'm sorry to say this, but you're going to have to go back in there. If this same manager is there, tell her to get the corporate office on the telephone. They are indeed a member and they do indeed offer the EPP.

So I went back to the store(one of my least favorite things to do)and told them I had talked to Corporate and they told me I was entitled to the EPP. The woman adamantly refused, said there must be some misunderstanding because they do not accept payment arrangements, was very unwilling to negotiate and then 1 day after I was in there sent me a letter about collections and it said that it was there policy to file a small claims suit and that I would incur filing fees and court costs in addition to repaying the loan. I cannot afford these fees. I am finally getting my house payment caught up and cannot afford anything else. What should I do?

You have GOT to be kidding me. Are they insane? Yes, they are insane. They are friggin members of the CFSA! Okay. I'm trying to remain calm here. They totally refused payments? Okay. Fine. You can file a complaint with the CFSA against them (which I would do in a heartbeat). Also, you can actually call the friggin corporate office and tell them what's going on because they are not following policy. Corporate might actually call the store and ask what the hell is going on. I had corporate office call my storefront and ask what the hell was going on! Also, they want to take you to small claims court? No mediation? Just straight to small claims court? Now, I know you can not be criminally prosecuted for a "bad check" with a store front in Kentucky. However, taking you to small claims court? No turning you over to collections? No mediation? harris, I'm telling you right now. I would get on that phone tomorrow (and I know this sucks) and call the corporate office of these idiots. Tell them you KNOW they are members of the CFSA (the guy even said so at the storefront when I called!). Tell them this place is refusing any payments whatsoever, including the EPP, and that they sent you a letter regarding going to small claims court. Ask them what the hell is going on. I'm being totally serious here. Corporate office will tell you what the deal is. Of course you can't afford this! Hell, if you could afford this, you would have just paid your check off! Good God! Now, I know it sounds like a hassle, but that phone call could be the answer to your prayers. They could be like "What???" and help you out all they possibly can. Any storefront that I have encountered, if not a member of the CFSA, will either take payments there, or turn you over to corporate for collection efforts, of which you can make payments to them. To take you straight to small claims court, no mediation, no nothing, and being members of the CFSA of whom is supposed to enable you to invoke the EPP is just friggin nuts! I'm amazed actually. harris, please do this. Call the corporate office. Tell them exactly what is going on. Tell them the guy at the storefront even told you that they were indeed members of the CFSA. Tell them they have refused you payments on more than one occasion now. Tell them they are wanting to take you directly to small claims court. I am very interested to hear what they have to say. Also, file a friggin complaint against this particular storefront with the CFSA and also the BBB. I would actually do this now. But, that's just me. Please call the corporate office. This storefront is nuts. I know I'm going on and on, but honestly, this is just crazy. I know some storefronts are brutal, but these guys take the cake.