Store Fronts in Ohio
Date: Tue, 09/22/2009 - 05:56
The places are:
Cashland: Borrowed $500 fee was $46 now it is up to $636.44
Checksmart: Borrowed $500 fee was $75 now it is up to around $650.
Advance America: Borrowed $500 fee was $36.60 now owe $564 making payments on this one
Check Into Cash: Borrowed $450 fee $19.99 is current and keep renewing
Colortyme Cash Loans: Borrowed $600 fee is $45 is current and keep renewing. (this place it like Rent-a-Center)
Since I was never offered the EPP do I have any rights at all since they are registered and legal? And I have offered to make payments over and over again and they will not accept. I hope I can just slowly get out of the others that I am current on. Can anyone help me?:confused:
Well, unfortunately they aren't obligated to offer the EPP, it's
Well, unfortunately they aren't obligated to offer the EPP, it's up to the consumer to request it. My suggestion would be to make payments anyway, send them via certified mail, as much as you can when you can. If they do decide to sue you it will be in your best interest to have been making an effort. Also, if they refuse the payments via certified mail you will have proof that you were trying and they (the lenders) are more likely to catch hell from the judge for not accepting the payments. Anytime you attempt working things out with them you need to have it documented, a court of law won't accept hearsay as evidence, hearsay is your word against their that you tried, that's why it's best if you communicate everything in writing. Even if you send them a letter (keep a copy) offering payments at least you will have tangible proof, and always ALWAYS send it certified return receipt requested.
Another thing, you want to make sure they are following the payd
Another thing, you want to make sure they are following the payday and small lender law, I'll give you a link so you can check the interest rates, etc.
http://www.paydayloaninfo.org/state_detail.cfm?id=OH
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I thought if they were registered with the CFSA they had to offer it to you since I did call in before they were due and asked if I had any options? I had never even heard of the EPP until I started reading on this sight. I plan on paying all of them off in a few months because I am coming into some money thank goodness but by them it may not even be enough to cover because of the interest. I am going to do certified letters to the businesses to see what I can get accomplished.
If I am actively making payments, can they still take me to court?
Quote:Originally Posted by sommer.mooreI thought if they were re
Quote:
Originally Posted by sommer.moore I thought if they were registered with the CFSA they had to offer it to you since I did call in before they were due and asked if I had any options? I had never even heard of the EPP until I started reading on this sight. I plan on paying all of them off in a few months because I am coming into some money thank goodness but by them it may not even be enough to cover because of the interest. I am going to do certified letters to the businesses to see what I can get accomplished. If I am actively making payments, can they still take me to court? |
Well, it would be nice if they were obligated to inform their customers about the EPP, and it very well could be possible that it's written SOMEwhere in the original contract, but as far as I know it's up to the consumer to be informed. Anyway, if you continue making payments it will definitely be in your best interest.