ACE cash express - payday loan help !!

Being in Washington, they are a legal lender so you do owe the full amount. You could call the main company (or the store where you got your loan) and see if they will give you a payment plan.

Otherwise, you'll have to let it go to collections, an work out something with them.

I don't think you're in for much of a storm, since they're legal in WA and thus are bound by the rules that the state has set down.

Be VERY CAREFUL setting up ANY sort of plan with Ace. In accordance with my state's very explicit and specific laws around PDLs, I was granted a 7 day extension in which to set up an appointment with a Credit Counselor. At that time, and upon receipt of a letter from an approved Credit Counselor saying I had made an appointment, I would be granted another 53 days in which to have said appointment and then subsequently pay off my loan.

Not only did I make the appointment, I completed the appointment the same day, and my counselor faxed in the appropriate documents five full days before my extension of 7 days was up. Twice. Ace pretended to never have received the paperwork, and drew the ACH the day the loan was originally due. After 2 days of dealing with snotty, verbally abusive reps from Ace who basically told me that "debt counselors lie all the time", regardless of the fact that I AGAIN had the counselor send not only the paperwork but proof it was sent to them (now a third time) via fax receipts showing the fax numbers legally registered to Ace Cash Express---I went to my bank and filed a fraud report. I then opened complaints with the Office of Financial regulation and the Attorney General.

I was advised to contact Ace once more to attempt to set up a plan, as I never had any intention of not paying it, but after 2 hours of being transferred, hung up on, and screamed at---screw them. Not one of them would send me ANYTHING in writing. THEY violated the implicit law of my state, I can prove it, and I refuse to continue to attempt to make good on this loan if they aren't willing to participate. They behave like animals, therefore I will not play this game any further. Too bad for them---they broke the law when I did everything I was asked to do to fulfill state regulations.

If you enter into any sort of agreement with these piranhas, get it in writing and FOLLOW UP DAILY.

You need to learn the laws in Washington state concerning legal Payday loan places. The are required to put you on as specific payment plan defined by the state of Washington if you request it before your loan is due, which it seems you did. I would report their failure to comply with the law to the Washington state department of finanicial instuituions. Go on the Access Washington site, look under the "living in washington" tab, and then the bank tab and find your way to the information about payday loans.

For illegal lenders, they can threaten all they want, but in the end their loans can not be collected upon in this stateif they are unlicensed.

Pickles

For some reason, I cannot edit my posts except on my smart phone.

Some additional information. If ACE refuses to set up a payment plan under Washington State Law, file a complaint with the DFI. Since they are licenced they must follow Washington State laws for Washington State residents

Try to reach out to corporate and see if they can take care of you first.