CheckSmart and Legal Mediation Practices - HELP!!!!
I just found out today that CheckSmart has turned my account over to Legal Mediation Practices even though I went to mediation court in July 2007 regarding repayment of the loan, and CheckSmart had agreed to the repayment plan and had agreed to work with T&C to receive payments. Legal Mediation sent the payments back to T&C today, and T&C requested I talk to Legal Mediation to find out the address to send the payments to. Legal Mediation would not give me the address and said they refuse to work with T&C because the loan was secured by a check that was returned not paid. I live in Ohio, and T&C told me that CheckSmart and Legal Mediation will have to honor the mediation agreement because it is binding, and both myself and the representative from CheckSmart signed and agreed to the terms of the mediation agreement (which is also called a Check Resolution Service Contract Agreement). When I told Legal Mediation this, the representative there said that he would forward my account back to CheckSmart and tell them I refuse to pay the loan even though there is record proof of me paying on the loan, and there is a binding contract between me and CheckSmart regarding the repayment of the loan monthly through T&C's debt management program. When I said I will deal with CheckSmart about this, the Legal Mediation guy said that the account would just be forwarded back to him, and I would have to deal with him again. He also threatened criminal action against me; so now I'm hearing that again.
I thought this situation was being handled, but I'm finding out today that CheckSmart and Legal Mediation refuse to work with T&C. Has anyone else from Ohio had this problem, and what was the outcome for you? Has anyone from any other state had this problem, and what was the outcome for you? I'm crying right now because I'm scared to death! I've told T&C what Legal Mediation told me, so I hope there will be something T&C can do about this. But I'm worried. Very worried. I'm trying so hard to repay my loans, but it seems when I think something is worked out, it ends up falling apart again.
Any help or insight anyone could share with me that has been through what I'm going through now would be greatly appreciated. Thanks!