Checksmart - Express PRA

Posts: 4
Credits: 422.85

Hi all.. could anyone out there lend me some advice... I am in Ohio & loans with Checksmart, Express PRA and Check Exchange. Checksmart and Express are sister companies - same corporate :twisted: - who just yell and scream at you until they get their money. And advice on how to handle them? I tried to work out arrangements with them and told them they had to allow me to make payments - he laughed and said I'm ending this call now. HELP PLEASE! This will cause a divorce if I can't get it straightened out very quickly. I can't close my account - I work for that bank and they require direct deposit. They said that it was getting turned into collections Monday and that I should contact a lawyer - I thought they weren't allowed to leave that sort of info on an answering machine per privacy laws. Any advice? :oops:


Sub: #1 Another word of advice sent them a letter by fax and make sure y
Sat, 06/20/2009 - 10:02

Another word of advice sent them a letter by fax and make sure you get the confirmation or send them a letter by certified mail stating that they cannot contact you anymore by home phone, work phone, mail, certified mail, fed ex, dhl, ups, email, fax everyway that you can think of! And they have to abide by this by law! That worked for me also!


Sub: #2 I had dealt with them a long time ago. I won't deal with them an
Sat, 06/20/2009 - 09:54

I had dealt with them a long time ago. I won't deal with them anymore! Checksmart said they were going to fax papers to my job to verify employment and I told them no you are not! They faxed them over which I intercepted them. I called the Police Dept. and filed a complaint for harassment never heard from them again! You can also contact the Better Business Bureau you would get more help there than the Federal Trade Commission. Also try to get the people higher up than the collections people. Maybe like the owner or CEO.They also did the same thing to me wouldn't accept a smaller payment this is just a way to get there money back quicker. MY ADVICE DON'T DEAL WITH CHECK SMART!

Debt Samaritan
Posts: 1050
Credits: 8078.1

Sub: #3 I feel for your situation and now is not the time to be looking
Sat, 03/21/2009 - 12:00

I feel for your situation and now is not the time to be looking for a job, but based on my year of management there has to be more to the story. Unfortunately, a terminated employee can only see one part of the situation and does not always see the big picture. I would be pretty confident that the DM did not say to terminate you with no cause.

My advice is to put it behind you and move on with your job search. Being bitter will get you nowhere fast and will certainly not get you hired back, which you probably do not want. Your posts on here will not damage the company, but based on the uniqueness of your situation, you could be easily identified by a member of management and ultimately possibly some reprecussions.

Be careful with what you say to who and where...


Sub: #4 legalized loan sharks
Sat, 03/21/2009 - 07:33

Another tidbit for those employed by checksmart or express stores, I just advised my store manager that I would not be in today to consider whether or not I would put in my 2 week notice because of the actions of another employee who cussed me out and made a mistake months ago that upper management felt all of us in the store should pay for now. Needless to say I was livid. The store manager doesn't even want to discuss it. She called the district manager then called me back and said I was fired.?!!????? So it goes to show you that if they don't treat their employees any better.


Sub: #5 legalized loan sharks
Sat, 03/21/2009 - 07:01

I really feel for all of you who have been scammed by your local payday loan companies. I want to let you know that these scenarios happen on a daily basis. The employees are as crooked as they come. I feel sorry for anyone who has to use these companies to make ends meet. I can tell you that the store reps initiate collections. Then they are turned over to the corporate office in Dublin, Ohio. (checksmart and express) This is when most are dealing with rude corporate collectors. Again, sorry. (Somebody has to say it) I always thought that these places helped people who didn't abuse it, but now I'm not so sure. They allow tellers to over extend loans and put the customer in a position where they are unable to repay. I would definitely contact your state and federal representative. This madness has to stop!


Sub: #6 I won't say who I am, just in case one of them is reading this.
Wed, 02/18/2009 - 07:46

I won't say who I am, just in case one of them is reading this.
But I have been reading these post and have had some of the same problems. Let me tell you what happened.

I got the loan. And, like it happens to everyone, fell on hard
times. Cutting to the point.... When Checksmart called me they also were rude, nasty, and made threats against me.
Saying they would take me to court. I offer to make a
payment in full on a particular date and they ALWAYS told
me that the could only accept it 3 or 4 days earlier than the
date that I offered to pay. They said that they would not
accept any payment made after x date. And then.... they
call me after that date had passed and threaten me again. It's
going to go to court! they would say. Again I gave then a date that I knew I could pay them. Again they said they would have to have the payment 3 or 4 days before that date.
(They wouldn't say "3 to 4", but the date they gave always
was 3 to 4 days before I got paid. Making it impossible for
me to pay. They call yelling, threatning, insulting, and hanging
up on me.

Here's the funny thing. If they had accepted my offer, the loan would have been paid off. And they did this routine
several times. Each time saying that I broke my word because
I didn't pay it on the date I offered. I laugh, and tell them
they said they wouldn't accept it, and WHY would I pay them
if they say they won't accept it? They never had an answer.
But then we would repeat the same thing. Them telling me I had to pay by x date, and saying they won't accept it after that because they would just take me to court. Wash, Rinse,
Repeat !!!!

These people are IDIOTS!

I don't know if you know this, but because I still owe the money, and have went down this path with them for so long,
I can tell you that, atleast with CheckStupid (oops. Smart)
they have departments in departments and departments after departments. And some I likely don't know about. It takes these guys a LOOOOOOOOOOOOOOOng time to just get to
pre-legal department. They stall more than a clunker in the junk yard. So if you owe them, and you just got started, relax. You have plenty of time. It is now almost a year later
for me. ALOT!!!

I have changed my numbers. Don't respond by mail. My employer tells them what to go do with themselves, and my
sister, the only other number I gave them, changed her number. (Unrelated to this) But that shows you how long it takes.... everyone you know is likely going to have a new number, by the time they call !!!!

I'd like to know if anyone who is reading this has ever been
taken to court by CheckStupid? All this time I think the worst they're going to do is ruin my already bad credit. OH-NO !!
That means I won't be able to get a credit card that before
this, I couldn't get anyway !!!!

If they changed tactics, and accepted the date the customer
offered, they would likely get their stupid money alot sooner !!
I know they would have with me.

Good Luck to all of you dealing with these guys !

Posts: 3
Credits: 146.4

Sub: #7 checksmart
Sun, 08/03/2008 - 12:10

i would like some advice on them also..this woman calls me everyday and now it is sunday and she left a message telliing me what a loser i am..and doesn't know why i won't pay this back and she will call all my references every day...i talked to someone at csfa and they said they would contact them and i will able to make 4 payments . i am getting ready to call this woman but my stomach is in a knot..i don't know how to deal with her..Help?

Posts: 186
Credits: 4960

Sub: #8 Thanks Guest! Do you have any advice on how to work with the
Wed, 11/14/2007 - 04:38

Thanks Guest!

Do you have any advice on how to work with them?


Posts: 9319
Credits: 129842.7

Sub: #9 r
Wed, 11/14/2007 - 04:20

sosorry, no one is going to attack you here! I thank you for posting! We welcome all posts and yours is so very helpful. Thank you for having compassion for people being treated unfairly and thank you for your words.


Sub: #10 just want you to know we are not all evil
Wed, 11/14/2007 - 00:25

I am sure I am going to get attacked on here but I just wanted to let you know that I work for checksmart our corporate office and collections department are EVIL people. They treat us the same way when we try to help our customers that we know and see every two weeks. I hate working for this company but I have kids to take care of. As for how the have acted call 1-800-837-0381 and tell them you would like to file a complaint for your treatment. Just dont say on who or what department till you get them on the phone or you may be hung up on. Sometimes collectors answer the phones... Again I am sorry for your treatment and wish I could have helped.

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