I am writing to in regards to a payday loan that due to be paid back on 11/24/2010 in the amount of $1009. I have been dealing with CashLand for a couple of years and had gotten caught up in loans and was not able to pay this loan back in full on the date it was due. I had already went to speak with a rep. from Consumer Credit about my financial situation. They suggested I stop payment on all three of the checks as I had owed two other advance places also. So I stopped payment on all of these checks and proceeded to go to each place I had a loan at.
The other two businesses were willing to work out a payment arrangement with me all except CashLand. I had called the store on 11/24/2010 to explain my situation and the assistant manager Nicole had told me all that she could do was offer a payback of three installments of $336 every two weeks with interest daily. I told her I was not able to pay that amount each pay, was there anything else we could do? She said, "I would have to contact their collections dept. at 1-800-xxx-xxxx. So the following Monday, that is what I did. I got voicemail so I left my number to be called back. I did not get a call back after two days so I called again. I got a rep. in collections. I gave her my information and she had told me I was not in the system as of that date to call back in 4 or 5 days. On the following Monday, I received a call from Pauline in collections .
She was very, very rude to me and I told her I do know I owe this money and I want to pay it but I am not able to pay it back in full all at once but would she be willing to work with me on a payment plan every two weeks? She asked what kind of payments was I talking about and I told her $50 to $75 every two weeks and her response to me was, "Are you crazy? You owe us $1037 at this point with interest adding daily." I told her, "No, I am not crazy. I am just trying to repay this loan and you are not willing to work with me at all." She started yelling at me and at that point I said, "When you can talk to me in a professional respectable manner call me back," and I said good bye.
I contacted CFSA which CashLand is a member of this organization and explained my situation. The rep asked me if I would please fill out a complaint form as she felt I was not treated in a professional manner so I filled one out and emailed it back to CFSA. CashLand's corporate office was suppose to contact me within two days. I did not get a call back or an email so I called back myself and spoke to a man by the name of Larry. He just basically listened to me, did not say a word and said he was going to send me to a someone who could help me. Of course, I got voice mail from Andrea and I left a message on her voicemail and she never called me back either.
At this point, I have not been able to make any payments back on this loan as the store will not accept any payments other than PIF and collections is not willing to work with me. Thank you.
