installment loan help

Welcome to the forums. Boy, they have really put you in between a rock and a hard place. I don't think they can require you to do moneygram. You should be able to send money orders in. However it sounds like they are trying to make you late on purpose. You can do one of three things: 1. send the moneygram. 2. send a money order and risk late fees
or 3. go get a prepaid debit card and pay them that way-they sell them at lots of drug stores and grocery stores. Do not give them your bank info no matter what they say.They have to have an address you can send a payment to and if you hang tight, I am willing to bet someone on here might have it for you! :)

I have emailed them again and told them that i know this is my debt and i want to pay by sending the money in. got a second very short email stating they do accept mail in payments it is money gram or debit from your account only. They also will not give me an address. I was given a money gram reference number with the state as Ohio to send money grams to. Huh? I am not sure how Ohio got in this I thought it was bank of delaware. Where is check n go?

I do not know where their corporate offices are. I live in Ohio and we have Check n Go here but I know they also have storefronts in other states. I wasn't able to find an address for them but hopefully someone will come along soon that has one. I am sorry that they are giving you such a hard time. :(

I have always felt like if they want there money let them cough up an address. I do like the prepaid card thing though that way they cannot hit your bank account. KYSIDE38

Isn't there some type of law/regulation that you can mail payments in? I'm with kyside 100% in that, if they can't give you an address to send a payment in, then f the payment. I know you want to pay your debt, but they're running you in circles. I understand your point. How in the hell can you pay them the day before payday? Not possible. They are obviously asking for unreasonable repayment options. Why do they only want Money Gram or ACH payments? Sounds a little fishy to me. And also not giving an address? Sounds fishy once again. Like I said, I'm with kyside 100%. Give me an address to mail a payment to and I will. Don't give me an address and I file complaints left and right. If they want their money, they will work a payment plan with you and you should be able to mail payments in. Keep all your email documentation where they're refusing to give you an address. That's unacceptable. And also to ask for payment the day before your payday. That's insane. Keep it all and file complaints. You can still file complaints even if you're working with them. But I would send complaints just on the fact alone that they won't give an alternative other than ACH or Money Gram. Why the hell wouldn't they accept a money order through the mail? Hiding from someone????

I agree. I sent a revoke auth letter for phone and wage garnishment and am filing w/ Att Gen about them. Hope to hear from them. This is the one I thought would be easier b/c I never thought of it as a pdl( even though the interest is ridiculous like a pdl) and I know that I owe them. I don't understand why I can't send them money why they need my bank info for ach or money gram only. I don't want anything from them. I'm trying to give them money! Shouldn't them getting paid be most important not how I send it to them?

I am with the others, if they want their money bad enough they will give up an address. You know that they have one. They are just as bad if not worse than a pdl. You are doing the right thing.

Thank you for the support. It really does help me go forward with this and keep at it.

btrx, make sure you file with the BBB. They will contact them and maybe they can get a physical address for you. In your complaint, state that your story. Tell them they will not give you a physical address. Tell them they will not accept any form of pmt except Money Gram or ACH and your not complying with that unreasonable request. Once the BBB contacts them, they might cough up that address for you to send money orders in. Make sure you tell them though. And make sure you complain to the BBB. They're usually the first ones to make contact with these people.

Done. I just filed with the BBB. Thank you.

Hi. I almost got a loan with them, but declined when I started finding other ways to figure out this pdl thing. I seem to specifically remember that they have reference in their documents that you can mail in payments. Check your documents again to see. Maybe I'm wrong, but I can't shake the feeling that they did offer a way to mail the payment.

I have an address for them...

FIRST BANK OF DELAWARE
1000 ROCKY RUN PKWY
WILMINGTON, DE 19803

I also defaulted with them about 10 days ago. They gave me the same story over e-mail. I have not heard from them for almost a week, no phone calls at all. Got an automated e-mail today reminding me of my next payment due this Friday. I plan to mail them a payment soon. Not sure if they are licensed. Cannot find them listed as being licensed in WI. Check'n Go is though - are they the same?

We're in the same boat see my post under debt consolidation!! We are dealing with Check n Go online here in WI where there are some store front Check N Go's the problem we have is we closed our acct about two weeks ago to try to get our life back have also taken care of 3 storefront pdls and got our mortgage,auto loans, utilities caught up. Now we have not heard anything from Check N Go online (First Bank of Delaware) untill today demanding payment TODAY or else! The orig. loan amount was 1200 have paid them 1320. The guy we talked to told us that a payment of 330 had to be made TODAY or they would pursue further action. When asked what the balance is on the loan he would not tell us unless we agreed to commit to pay in full today. Just because there are store front CNG in WI does that meen that the online CNG thru the First Bank of Delaware is licensed here also and if so what advice does anyone have as how to handle this? He also would not set up any type of payment plan to get this taken care of!
any advice is appreciated dealing with this is a nightmare!!!
Thanks

Well, I say you can't squeeze blood out of a turnip and your mortgage and utilities are alot more important than the installment loan. Are you calling Checkngo or First Bank of Deleware? Maybe the actual bank can be of more assistance. I think the PDLs are programmed to be rude. :-)

Stillnuts - First Bank of Delaware does installment loans. You apply for it thru Check'n Go's website. Which company is your loan thru? If it is a payday loan then it is just check'n go. Unfortunatly I have both a pdl with cng and an installment loan thru fbd.

Your correct ours is a installment loan thru The First Bank of Delaware so are there any options with this or not!!

I have no idea. I defaulted 2 weeks ago tomorrow. All I have gotten is an e-mail - not one phone call. Just mail them what you can, they will tak ethe money.

Ok need some advice. I got a response from BBB re: First bank of DE/ checkngo installment loan. They forwarded a letter from First.. stating it was a misunderstanding and of course I can mail payments in to pay with a cashier's check and provided the address. I then got a call at work from checkngo stating I had to send 514.98 by 7/26 by moneygram or give account info to let them take it! I told him i had asked not to be called at work and could not accept calls. He kept insisting I had to talk to him. I asked to be emailed and i would respond whn I got home from work. I emailed that i would be mailing money to them but not that amount. Asked to set up some payment arrangement. He responded with :

Unfortunately your situation still does not entitle you to abandon the
agreement that you have agreed to with our company. As you know you
have
a choice to follow through with what you have agreed or not. At the
same
time there are actions we must take as a company to resolve the debt
you
have created. It would be in your best interest to meet the terms of
the
contract without any more setbacks. Otherwise there is not way to
guarantee what will or won't happen to you, and the collection effort
will continue. Please let me know if you plan on upholding your end of
the agreement, or if we should mark your account for 3rd party review.

Thank you,
Adam

What does that mean" No guarantee what will or won't happen to you"? Why do I suddenly feel like I'm in a bad mob movie where they threaten to break you kneecaps? I responded that I would send in payment as I said and would mail in regular payments but could not send 172.00 every two weeks and got a second email:

"I have forwarded your e-mails to my
supervisor
and made him aware of your current situation. Unfortunately for you we
can not accept any other arrangement that the one you have agreed to.
Since you signed the contract agreeing to pay the money back that way
there is no way we can change the dates or amounts due the laws
enforced
by your state. Furthermore, any payment sent in under your installment
amount will be returned to you for not providing the funds to make a
full payment. Please let me know if you are able to make your scheduled
installment amounts, and bring your loan current "
They won't accept a payment unless I send what they want? How can I pay them if they won't accept money? Any suggetions or comments Please!!

First of all, this is insane! For all of you who have dealt with First Bank/Check N Go, please post your experiences! We need to know if they will accept any payments "below the agreed upon amount". They gave you a physical address to mail payments to. But to then state that they would not accept payment if it was below the original agreement amount? Come on! Please - anyone who can help in this matter - please post! Someone has to have had some sort of experience with this & can let us know if they will indeed accept a payment "below the agreed upon amount". Crazy. Don't respond to their email yet. Get some feedback and advice from other members, then repond to their email..........

That is a pretty crappy way to do business. They don't want any money if it isn't the full payment? That is terrible . . . . I hate these installment loans . . . .

Aagh! Today checkngo tried once again to ach my old account for the payment. After all the emailing, after going thru BBB and getting the address, after emailing me and calling me they tried anyway!! That account is closed. They couild not get the last two payments that way. They know this. They emailed me to threaten me because they couldn't get payment. WHY would they try it again?

Unfortunately, as we have all found out the hard way, this is the "norm" for pdl's. You tell them over and over and argue with them and get it in writing, and they will still continue to debit your account. This is why it is suggested to everyone to close their bank account. They will debit over and over and over again. I can not stress this enough. My pdl's attempted to debit continuously for over a month - some are actually STILL attempting to debit. Hello! They will never stop. I hope others are reading this thread so they will understand how important it is to close your account, if at all possible. These pdl's are horrible.