Store Front Check n go in IL. 2 months default, now what?

Actually, I do believe that if they are storefront, they are probably licensed to lend in your state, which opens up the possibility of a civil suit against you. You may want to read your loan agreement with them and see how they handle their collections.
Here is your state Payday loan laws for Illinois(just select your state), hope this helps.
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html
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I would call this number for more information on your state, they would be able to give you information quick.
what I was stating above about civil is that just because criminal action is prohibited does not necessarily mean that civil isn't, not real sure how IL handles this, you are better off calling the number for more information and getting it straight from the horses mouth. Goodluck, hope this helped.

Your state does allow for a repayment plan. Have you made any payments to them since you sent the letter? I would make them a payment along with sending them another letter stating you would like to make payments to settle the account.. That way even if it does go to court, the judge will be more likely to act in your favor if you have been making them payments. :)

hey sassnlucy, i sent you a pm a few days ago.

this is the check n go that their repayment plan was to write 10 post dated checks that i had to stop 4 of them. now it is 2 months in default. I sent them a cert/rr letter with a payemnt plan, do not garnish wages,etc 2 months ago. I havent paid anything on this as for as i donkt now how much or who to, or if i should or not. I did send all this info to my AG, they are looking into it.

thanks,

Send me another pm. I didn't get anything from you. On my post, look under it and you will see "profile" and "pm"
Click the "pm" button and there you can send me a private message. Has Check n Go contacted you about this matter? I think I would send them what I could afford, even if it is $20, along with a certified letter stating that you are making payments to settle the balance.

Check N Go is licensed. They will take you to civil court, get a judgement, and if need be, with the judgement they will garnish your wages. So revoking any wage garnishment letter won't help, because this company takes people to civil court to get judgements.

I thought they could sue under civil law, they may work with you though, have you tried calling them or stopping in the store itself? They no longer exist here in pa, thank god.

no,im afraid to go in there. i have paid them nothing so for ,and have sent just letters. I have to wait till i hav the money to send it to their main office. i know they will not just forget about me.

Try calling them to set up a payment arrangement if you are afraid to go in person. If you know when you will have the first payment you can let them know when to expect it, and then stick to the repayment plan.

I would also see if they would let you mail in payments ala money orders. That might be another way to take care of it.

In the end, after much going back and forth, they want your money for the loan. They will eventually allow this. Brownsugar has been through the ringer with them and a few other storefronts and in the end it comes down to, "we want our money", the storefront has a physical address right? They receive mail I imagine daily from the postman? Probably do, mail it in to the storefront directly.

Amen, Steelers. Bottom line is, they want to get paid. And if it's by money order, they're still going to get paid--and who cares if it comes via US mail or your feet. As long as it gets there....

I know. LOL. Like a person can not figure out the storefront has an address which receives mail from USPS. LOL. I highly doubt they are going to turn down the payment via money order sent to them, just keep it up on a regular scheduled basis and show you have good faith in taking care of the debt.

I once had one with them also in IL. I called them and explained my situation with them and they were more than willing to help me. I was able to set up a payment plan in which I could afford and they were greatful that I was knowleding my debt and working to repay it.

That is good to hear somebody in Ill with experience with this company with a good outcome. Sometimes you will get another person (who is more understandin and willing to work wit you) on the phone. I'm glad you had a favorable outcome in your situation.

I'm rooting! But with PDL's, I really believe that alot rides on the storefront manager. If you have a good one, that's great--but woe to you if you don't!!

That is true Kscornell.

So it's really a crapshoot....which is a shame!!!!

WHEREAMI,

Sorry for the late post, reply.


Do you think that I should send the money order payment, certf/r.r. to the main office,I have that somewhere, or send it to the store front here in IL. where I got the loan? Still havent heard anything from them in almost 3 months.

Thanks,

I would try to deal with the local level first, if they don't cooperate then go corporate.

thank you fedupinpa,

would you have the check n go storefront headquaters address and phone number. I tried finding it here today, but had no luck. I know I have seen it here before.

could someone please remove my name from these old post, thank you so much?.

Lukeskywalker, your name is removed :)

lukeskywalker - what happened with check n go, did they work with you?

I'm asking because I have check n go too.

This check n go is a store front in IL. I recieved an answer from the IL. Dept. Of Financial Reg. and they are contacting check n go for their side of the story. I should get a letter from IDFR with an answer one way are the other.

As a prior employee I can say that is it is a payday loan and it's been this long chances are they have already 3rd partied the loan to another collector as they do that pretty much within 60 days If it was a installment loan they would not really do anything until 55 days past the last installment payment due date. By the way all should get out of checkngo as fast as you can as this company is trying to get as many people as possible to get into debt.