Yep, I REALLY suck!

I would not assume you will have a problem. Just go in and ask for the EPP. If they are operationg legally , and it seems like they are, you should not have a problem. Not everyone is out to screw us.

Shazzers as I stated in your previous post...I had a loan with Check'nGo. My payments were set up to begin the next payday and thereafter. You should be alright...I had thoughts of being berated for taking out this loan etc...however they were very nice and understanding...you may want to call them and let them be aware of your situation. You'll be alright.

kashzan I was NOT insinuating that EVEYONE is out to screw us, but I do know first hand that this particular company I am dealing with does tend to give out tongue lashings if you default on a loan. Thank you for answering my question laura. I am hoping that they will begin payments on my next pay period but I wasn't sure how it worked.

But you are not defaulting on your loan. You are asking for the epp which is well within your rights. sorry if you misunderstood

No, I am not defaulting, I believe in paying my debts, but this just happens to be one of those times that I wasn't able to meet my obligation in a timely manner. If (and I really hope so) they will begin the payments on my next payday, I will pay it off completely.

But you are meeting it. You have the right to ask for the epp. Dont think you are doing anything wrong. You are doing the best you can.I am not arguing with you, i am on your side

I don't think I am doing anything wrong, but I so dread going into this Store front to tell them I need the EPP to fulfill my obligation, as I know first hand how these people are, and tongue lashing is the only way to describe how they treat people. I really dread this. But, ya gotta do, what ya gotta do, so after work today, I'm going to DO it. Maybe I should call ahead. Gees I hate that I let this happen again. :?

Shazzers....just relax. From what I saw, Kash also posted som every critical info regarding EPP on your other thread.

When Kash said not everyone is out to screw us, I am sure it was in respons to your comment about the PDL being total a$$holes, which is really irrelevant with regards to the terms and conditions of the EPP.

If you want our support, you have it....the best thing you can do is just call or go down there and handle it.

I wasn't exaggerating when I said that Volleyballmom, they ARE total a**holes (I know this first hand). But I didn't say that ALL were, I was referring to this one I am dealing with right now. No offense intended toward anyone, just defending and explaining my comment.

Well, the comment was relevent to me, because it may be a problem when I go in to ask for the EPP. That is why I made the statement. OK that's all, enough explaining, I have the info needed, thank you all!

Shazzers...nobody here asked you to explain anything. Your original post was nothing but...

Pardon my candor, but shunning members of this community because you dont like responses, when quite frankly, there was nothing but help offered, is really quite rude.

...and to further my comment, perhaps some may be relucutant to help those that snub.I am sorry that you are taking that posture.

I can understand your frustration...I sure can as many of us here can!

Snub and shunning others? Explain. I'm not undestanding what you mean, I responded to kashzan's comment : "Not everyone is out to screw us". I'm not sure how you are taking my tone, but it certainly wasn't a snub or a shun, it was a direct response to her statement. Placing a label on me because I responded and explained myself, is hardly shunning or snubbing, is it? I would really like to know. :roll:

Quote:

Lets all take a deep breath here and focus on what is really important. There apparently is a misunderstanding that has the potential of escalating into something that would not be the kind of impression that we we wish to make to our guests. Please move on with the topic at hand.

I didn't mean anything when I used that particular smiley, I have no clue what these smileys mean.

Then dont use them
frog I think what is important here is members being courtious to others trying to help them.

And I am still clueless as to where I was rude, a little label I was awarded for defending and explaining a statement which was taken out of context. Sheesh. Why are you two attacking me, re-read this thread again and show me where I was rude, and where I shunned or snubbed anyone?????

Thank you Frog

OK, now please lets move on and forgive and forget! It was all a misunderstanding. We are all friends here!

shazzers, I'll tell you what happened when I went to the storefront to invoke the EPP, okay? You have to go to the store at least the day BEFORE the loan is due. However, here is the tricky part - - They will have you sign an amendment to the loan agreement with the new payments on it (4 equal payments coinciding with your paydates) -- HOWEVER they will want that first payment the day the loan was due - which will be the day you should have gone in to pif. That is my experience with invoking the EPP. They did not wait until my next payday. It's just rather than pif on the due date, you make your 1st payment. So, you might want to prepare yourself to have maybe enough money to pay that 1st payment (50 something dollars probably). Just wanted to let you know how it worked for me. I was kind of "shocked" that it started the very next day after I invoked it; however, it made sense once I thought about it. Since I was supposed to go in and pif on the due date - it just "changed" to making a pmt on that date instead. I hope this helps!

Sorry for the ignorance but what is EPP and the CFSA?

Hey there outlaw- Dont apologize...

The CFSA is the Community Financial Services Association of America, which sets a standard of best practices for PDL's to follow. Note, that the PDL's that belong to the CFSA are legal,licensed and so forth. Most of them are storefront PDL's.

The EPP is the Extended Payment Plan, that the CFSA member PDL should honor, if you ask for it at least 1 business day prior to your loan being due. This will allow you to pay the PDL back in 4 installments.

Ask anytime!

I did evoke the EPP with a PDL that I paid off, and when I asked for it, I was able to pick the due dates of my 4 payments. It didn't have to be that day. So I really think that it's up to the PDL to determine their policy re due dates. I would definately hang on to the documentation that you're going to get, as it's easy for payments to get lost, not credited, etc.
And Shazzers, I am very sorry to hear of your illness. And when it comes to your meds, I would check and see if your MD/hospital has any programs that could help with its cost. Hang in there and we are always a mouseclick away, OK?

Well thank you kscornell, I am starting to recover, but will always have this illness, it's just a matter of managing it. :)

Anyway, I did ask for the epp, they are setting up payments, 4, for each payday, but I did have to pay $30.00 (the interest), my next payment will be due on my next payday, and thereafter but I plan to pay it off. And I am NOT going to borrow again! I know I have said that before, but I won't! I do have a question though, they told me they could only do this once (the epp), so if I ever got another loan with them I would be obligated to pay the full amount because the epp wouldn't be available to me (not that I want too anyway! lol). Just wondering if that's an option or a law? Anyone know?

shazz, there are some organizations out there that help you pay for medications. Most are affiliated with the drug companies but they help a lot of people. I think it is the Partnership for Prescription something, sorry I cant remember the name. Anyway you fill out the app online and you can even check to see if your medication is one of the ones covered. Also, Walmart has meds for $5. I am sorry you had take out the pd loan but s@@@t happens and no one among us can or should judge you for it. I am glad the EPP worked out for you. Good luck with the meds.

Thank you stargzr, I will definitely check into those.

shazzers, with each storefront you can only invoke the EPP once per year. So, the storefront you have an EPP with now, you can not invoke another EPP for one year. However, if you went to another storefront (not that I'm saying to do this), you would be able to invoke the EPP if you had trouble. Just wanted to clear up your question that you posted.

Shazzers I am glad the EPP worked out for you and I wish you well. I hope you can get the meds you need. If you watch Montel Williams he is an advocate for this prescription plan that helps people get the medicine they need. It's probably on his website. Good luck to you.

I think the website for the prescription drug thing that montel williams always advertises is like ppra.org..or something like that..you might check out his website I am sure that info is on there.

I did check it out, and I applied, I appreciate the info, I am hoping this will be a helpful, well I know it will. Thank you. :)