Tower Loan

After speaking to the manager who tried to speak over me he kept telling me if I bring their check back uncashed then he could change the terms. I told him that was a month ago and you know it's been cashed but I can give you your money back and he said he needed the check. I told him he just lost a customer and he said he had 3500 more and I said minus one and the many others I hope decide not to do business with Tower Loan. Shady practices at a high cost.

Now that we're all set up, let me tell you about my experience so far. The first call or two wasn't so bad. They called, asked why I hadn't made my payment yet, no big deal. I explained my situation to them, and they let me be. A few days later, I get a call from the manager. His name is Zach, and he talks with a rather distinct hint of a southern accent. That's not important, but what is important is how rude he was. I once again explained to him my situation, and he demanded to know when I would be able to pay. I told him I didn't know, but it wouldn't be in the immediate future. He became rather rude and said "That's not good enough. I need to know when to expect your next payment!" I told him I had no way of knowing that as I, unfortunately, cannot see into the future. Still, this wasn't too bad. The next part is worse.

A week passes. Suddenly, I get a call from my mom. She tells me that some loan company was asking her about me and told her to tell me to give them a call. Then I get a call from my dad, my grandpa, my aunt, and some relatives that I haven't seen in literally 15 years or longer. All of them wanted the exact same thing. They all passed on the same message. I can understand how they found my immediate family, but I have no idea how they got in contact with my distant relatives. So I called them back. I get a random person on the phone. I was absolutely livid. I told them if they ever called any of my family again, I would file suit.

The very next day, I get a call from Zach again. He half-heartedly apologizes for getting my family involved, but then he wants me to see things from his point of view. He literally says "Man, I just need you to understand that I'm doing my job. By not keeping my numbers up, you would be taking food out of my kids' mouths. Now I don't want that to happen, and I know you don't want that to happen. So just make an arrangement with me to pay, and I promise these phone calls stop." I don't know what he thought that would achieve, but it only served to make me see red. I went off on him, telling him that guilt tripping me doesn't make money suddenly appear in my pocket. I then hung up my phone and kept ignoring their calls for the rest of the day.

Time passes, more calls, more offers, and more pleading. I still can't get a job, I'm on constant treatment for my illness, and I'm currently fighting in the courts to get disability. Zach had the audacity to go to my grandparents' house in person to hand them a letter for me in my absence. I called him up and absolutely reamed him out over the phone. He has the stones to tell me that if I just make a payment, he will leave me alone. I tell him "What part of I don't have any money, do you not understand?" He tells me that I must have some money, as my other bills are still current. I tell him, yeah, because my essential stuff is being paid for by my family. He then gets the nerve to tell me "So this isn't important to you?" I tell him no. He hangs up.

More time passes. It is now late September/early October of this year. Zach tells me that he's going to have to send this up to the lawyers since I won't pay him. I tell him to go ahead, it won't make any difference. He asks why not. I tell him because, like always, I have no money. He then stupidly suggests that he will take it out of my family's bank account. I tell him he literally cannot do that, as my contract is between only me and them, not also in my family. He then says he will take my personal property to settle the loan. I tell him that I own absolutely nothing of value. He asks about a TV, a laptop, and other belongings. I tell him I own none of those things, which is true as I didn't buy any of them myself. He calls me a liar, but admits that he can't really prove that the items are mine.

This takes us to this afternoon. Zach has called me once again after more than 6 weeks of not hearing from him. He once again seems to have forgotten that I am sick, cannot work, and still have no money. He's still threatening to sue. I tell him he will just be wasting the resources in doing so, as you cannot collect orange juice from a turnip. So there it is: A tale of someone who made an error in judgment, and another man who engages in predatory business practices yet lacks any shred of decency and common sense. Do not take even a dollar from them. They will hound you until the end of time, regardless of the reason you cannot pay them.

8-8-21 came I was making weekly payments of a $100. Kept records of the payments to them. They called said I never made a payment and now I owe 3,500 to them. I asked, "Where is the money I paid y'all and have been taking out towards my loan." Neve gave me an answer. So so I said, "Y'all do know I have my bank records of the money being taken out to pay the loan off."

Harassing me daily… got to the point they came to my work. Made a scene at my job asking for me, demanding my employer to give them money, all it did was piss my employer off and let me go. So back to looking for another job.. I found out where the money was going. One of their workers was pocketing my money and say they never got it, Already at this time I have a lawsuit against them. About this 8-23-21 they called at 4:00 harassing me again and threatening me saying they are going to send the law, have me arrested, thrown in jail. This place is in Kennett Missouri. They are disgusting pe.

I have never been late on a single payment in any of my many credit cards and car loan, I caught covid and was out of work for more than a month, I told them this, do you think they cared? As soon as I was done telling them how I am just recovering from the disease and have been out of work, how I have a son with autism and have been paying for his many medicines insurance wont cover, they said (without missing a beat) "well you cashed this check, so you owe us this money, how much can you pay today." They asked if I could borrow money from a family member so I could pay them! Well, I take my credit seriously and I will pay them, but they definitely made it to last on my list. And to ANYONE THINKING OF USING THESE PREDATORS,...DON'T DO IT! Ride it out if at all possible because this company is the poster child for DISGRACEFUL, PREDATORY LENDING PRACTICES!!!!

Harrison Finance would allow to me walk in the door at my convenience, with my flood insurance check, and sign the back without question and send me on my way. And these were very sizable checks, up to $20,000. This office and its manager are despicable. Imagine, holding hostage a check I desperately needed for 4.5 years and they hold it hostage. Imagine their surprise when I pulled strings and got it done. They were livid. Year, they still have me on their junk mail list.???