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i have 6 storefront pdl 484 check smart, 484 express payroll, 272 vrs, 644 cashland, 460 first american, 460 check into cash. I have to have surgery in sept and will not be getting paid time off. this stress has caused major health issues and totally took over my whole life. I have stopped pay on 5 of these checks and just talked to check into cash and explained the situation and asked if they would work on payments, she said they couldnt but she would check with dm to see if they would be able to brig papers to hospital for me to sign and then reborrow when that time comes. I stop pay on that check this morning. I have paid cashland 40, checksmart and express want entire balance, havent talked to first am. yet.please give me some advise.




What state are you in? They didn't actually say they would send someone to the hospital did they? I've seen some low actions by pdl's but that has GOT to be the lowest.

Sub: #1 posted on Fri, 08/08/2008 - 12:14

lauramw71 lauramw71

(Posts: 72 | Credits: 13.83)

Hiya Mis, I am going to post the laws for Ohio. I'm not so sure that reloaning is such a good idea, you would definitely be better off asking for the EPP (extended payment plan), if you don't, you're going to be stuck in the same situation two weeks from now, and will be paying interest anyhow. With the EPP plan, you will also be paying interest upon envoking the EPP, then 4 equal payments with the first one falling on your next payday, and the last three on each consecutive payday afterwards. Check into Cash is a member of the CFSA, this means they must offer you the EPP plan upon request, however, you must ask for it at least one day prior to your due date. If any of the other store fronts are members of the CFSA, you may ask for the EPP plan from them also.

Quote:
Ohio State Information

Legal Status: Legal (Applies to check cashers only)

Citation:
Ohio Rev. Code Ann. ???????? 1315.35 et seq.

Loan Terms:
Maximum Loan Amount: $800
Loan Term: Max: 6 months
Maximum Finance Rate and Fees: $10/$100 + 5% per month
Finance Charge for 14-day $100 loan: $15
apr for 14-day $100 loan: 390%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot refinance)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: Bank charges (if disclosed); $20 collection charge; Court Costs; damages
Criminal Action: Not Specified

Where to Complain, Get Information:
Regulator: Ohio Division of Financial Institutions
Address: 77 South High Street, 21st Floor Columbus OH 43215
Phone: (614) 728-8400
Fax:
Regulatory Contact: Robert M. Grieser,, Deputy Superintendent for Consumer Finance
Regulator Website


Sub: #2 posted on Fri, 08/08/2008 - 12:54

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.83)

they did say they would send someone to hospital, and even to my home if needed. She acts like this would be doing me a favor. I went in and paid it but had to reborrow on sat took amount down $50 though. I asked for epp they said I did not qualify yet. I worked payment out with cashland and first american. worried about express and checksmart, I havent heard any more from them though but Im sure they didn't forget, but the last time I talked to someone at store she said they had alot of people go bad with them. someone told me that a check cashing place was only aloud to file 12 lawsuits per year is that true.

Sub: #3 posted on Tue, 08/12/2008 - 05:56

Unregistered


i don't know about the lawsuit part,but as long as you are not in default they have to allow you the EPP.i would speak to the manager first.they have to give you that option,but you have to request it.don't let some grunt tell you different.

Sub: #4 posted on Tue, 08/12/2008 - 06:02

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

They actually don't have to allow you to do an EPP. In some states it's not allowed, and with Ohio's law in limbo, it's entirely possible that many lenders are not offering EPP's there.

Sub: #5 posted on Tue, 08/12/2008 - 06:56

goudah2424 goudah2424

(Posts: 7936 | Credits: 1224.89)

i was under the impression that as CFSA members they had to give that option.

Sub: #6 posted on Tue, 08/12/2008 - 07:00

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

CFSA.. sort of like the pirates code... not rules persay.. more like guidlines...?

Sub: #7 posted on Tue, 08/12/2008 - 10:13

jj jj
Moderators
(Posts: 1057 | Credits: 107.78)

I called and talked to her today and she told me she would call dm and see what she could work out with epp. I told her it was either going to have to be payment plan or I would make it to where they would have to either accept payments that I could afford or take me to collections because they new I would not get pay check in Sept. and still loaned to me.

Sub: #8 posted on Tue, 08/12/2008 - 12:02

Unregistered


talked to her again at check into cash she is going to give me epp and will try and defer payments as long as computer will allow her to. So I do have a plan with that one.thank for all help, feel like iam at least getting somewhere with a few of these places. does anyone have an update on whats going on with ohio hb545

Sub: #9 posted on Wed, 08/13/2008 - 12:21

Unregistered


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