If a person is one month behind on loans, Can a Credit Union 1) deny you cashing a paycheck with them ?\n2) demand that you pay something on those loans before they \n   will cash the check? \nTimes have been slow financially so I'm unfortunately one month behind on finances.  When I go into cash a check they give me a hard time saying I "have" to pay something on the loans.  In acutality I need the money for insurance or other bills.  Now I call before hand to let them know what I need to cash my check for and see if they will let me.  I feel like a little kid asking for permission.  Can they do this?   When my credit was good, of course, I had no problems. They used to ask questions at the window, and everyone could hear what was going on....totally embarrassing.
207038
Every bank has the right to do this. Its in the verbage of the loan documents, they can "secure" the collateral at ANY time they feel it is being jeopardized, IE, news says the plant is closing down, and your already late, they CAN come take your car, but they never do. Same with this case. Their first priority are themselves, especially credit unions, because the operate from a non profit stand point, they cant afford to take huge losses every year, if they did, they would have to raise their rates, and people would stop using them. But, they should be willing to work with you, which it sounds like they are.\n\nJust have a sit down, and plan your payment schedule with them. Maybe a consolidation loan to eliminate some debt ( like paying 100 a month on a loan with a 1300 balance ) etc..
68285
hereisyourwayoutofpaydayloans\nPayday debt[how to get out]\nWe first got into the loan because we needed car repairs and didn’t have enough money then someone told us we could get a payday loan.  We went to the payday store and it was so easy just needed to provide a bank statement, pay stub and post dated check for two weeks, my next payday, $575.00 they handed over $500.00 cash.  We really thought we would be able to pay it back and that would be that.  Then when payday came along $575.00 out of it would be hard as we were already living payday to payday.  We went back to the payday store and were told we could just pay the $575.00 cash then re-borrow again that sounded good we just didn’t think of the very high interest rate.  So if you borrow every two weeks at $75.00 interest for 26 weeks that equals $1,950.00 in a year.  So when we would re-borrow that would not  cover all of the bills because we would be short the $150.00 from the interest so we went to the next payday store to cover the monthly bills then we found we needed more money for some other need.  Then when we needed to pay off that loan we were short so we had to go to another to cover that loan then another and another before we knew it we were into four paydays per month.  Here is the calculation $75.00 x 4 loans =$300.00 per two weeks x 26 weeks per year $7,800.00 x 3 years $23.400.00. Paydays are suppose to be a happy time but when you are into them like we were it is a nightmare and very stressful, robbing Peter to pay Paul, running from one store to another. What was amazing is as I was going from one to another I would see the same people at each store, sad but true. \nOur website is hereisyourwayoutofpaydayloans
23473
As a customer service rep, I am sorry to hear about your frustration regarding your student loans.  Since I am not at work right now, I can speak my mind and give my personal opinion.  You may want to become acquainted with the Better Business Bureau if you have not thought about that before.  Allow me to introduce you (see links below).  You may want to consider filing a complaint with the Better Business Bureau.  You would have to explain the details in detail (literally), but you would get your problem resolved promptly.  If you have the proof (receipts, invoices, etc.) to show that the bank completed a double transaction, they will request that for resolution purposes.  If the bank is doing this to you, it's highly likely that there are other customers that have experienced similar frustrations.  Sure, there are periods of time when companies get busy and you may not get the immediate answer that you want, but reasonably, something should have happened within two weeks or so.  You had stated that your loan payment was in October.  This is now January...they should be getting a move-on AND I don't blame you for wanting to take your business elsewhere.  Try one of the links below for additional contact information.
506793
You did it so why can't they also try and improve their lot in live. Just because you have become more successful is not any reason for people to try and take advantage of you financially.  With Christmas coming I imagine your going to hear all kinds of sob stories.  How did they survive while you were working your arse off to get your business to where it is today?  Be as honest with them as you can and let them know that your not a ATM and would appreciate if they all would cease asking you for help financially.  Congratulations on your business becoming successful and all the hard work you have put into it.  Bravo!!!
393698
My grandson just did that, although we do not have a citi bank in our community, He called them and had all of his loans consolidated.And locked them in at a low interest. Then he had to defer them, work wasn't too good, not many hours.Citibank I understand is really good with students. Won't hurt to contact them. Good Luck.
560200
Contact any trucking company dealing with this and ask them if they are hiring for a driver or loading boy.  Maybe you would be lucky enough to get hired there.  Do you know why people build good credit?  So when they want to open their own business and don't have any down payment money their good credit vouches that they are dependable and can be accounted for.  If you don't have neither the money or the credit-who do you think will trust you even with one dollar? That is why they keep saying-pay your bills on time and never be late, you will need your good credit some day.   Well, apparently you thought that it was some kind of a joke ah!
368872
Look at your loan contract.  If it says they have the right to take it, then they can do so, but I think they will need the help of the Police.  If your loan states you wil have a lien or judgement entered onto your credit report, then they can't take the furniture, & they must go to court & have a judgement entered under your name & then they can garnish your wages & take your savings accounts in order to get their money.  You don't have to let them onto your property or into your home without a court order, which they won't easily get.  You can actually call the Police on them if they attempt to enter your property without your permission or without a legal court order.  I gotta tell you, I grew up in a house that always had the drapes closed because my Mother didn't want to loose her furniture that she hadn't paid for!  It was a crappy way to live.  File bankruptcy or give it back or sell it & pay the bill.  You'll have a stress free life!
514474
i was in same situation.sent the money.didn't get the loan.that's  their  fee to look for a loan.the finance  company  make the final    decision.which is a credit check.so don't send the fee.its a con
283618
If you need 1500.00 with no credit check, I wish you luck in your search. Apart from borrowing it from a friend, family member or on of those next payday loans, this will be a difficult task. Also the "next payday loans" let you borrow based on what your take home pay is. I should also let you know that you have to have a checking account with direct deposit and your account cannot have a lot of overdrafts. \nI found this website below, I do not know if it is reliable or not, but you can call them or e-mail them with questions you have.\n\nBe careful if you do use the payday loan. It's really easy to get trapped in a circle of always having to use them. You usually have to pay the money back by your next payday and then you end up having to borrow again...if you see what I mean. You might be better off seeing if a friend or family member will let you borrow the money and let you pay them back over time.
609670
THIS IS SOOO IRRITATING.....I had a checking and "share" acct (with a $25 balance) at Credit Union, and ATM transaction overdrew the acct by $1.45. Silly me, had already opened up another acct at different bank so I figured I would let those accts sit a couple of weeks and close them out. WRONG, when I finally opened up a statement  I was in shock that the share acct was still there but the checking now had a balance of -$386.00! Now I thought that when you try to get more money then is available, the ATM transaction should decline, WRONG AGAIN, (oh did I mention I worked at a bank for 4 yrs :(). Got as far as you did at the branch and left more irritated then before, two days later the Sheriff shows up to serve me with Court Papers. I go to the bank because I can't afford to miss work at this point and ask the girl at the counter "after transferring the $25 from the share account, what do I need to pay?" She has me write a check for $350 + dollars, and says the accts are closed. End of story....nah...I get a call 2 days later from the branch manager saying that if I don't make the 50 mile trip by the end of business day to pay the additional $43 in fees, the teller left out, I would be in contempt of court............\n\nOpen a new account quick and hope the bank burns down. Keep your chin up :)
259759
That depends on if the bank you got your loan through will penalize you if you pay it off faster- sadly a lot of banks do that. Try calling the bank, explain you have a loan through them, and ask them if you can pay extra on your principle amount each month. If they say yes, then when you write your check for the payments, make sure to include an extra note which says, "Please apply any extra amount to my principle".\n\nIt also matters on how big your payments are- how much you can afford to pay per month.
664377
Do you have the cash?\n\nWhat can they do? Can they un-cash your check?\n\nBlow them off - they're just trying to intimidate you. \n\nChange your phone number.....
528091
You might want to consider cashing your check by yourself by placing your check in the cash drawer at the Quiznos you work at and taking the amount of the paycheck from the cash drawer.  Once you have done this, I would definately quit since you'll probably get fired anyway.  At least you won't be out the money?
617273
If you find one let me know.\n\nSeriously you either have to have good credit or collateral to get a loan.  Period.  Collateral means something of value they can keep or take if you don't pay that helps protect the lender from losing all their investment.\n\nThe closest thing to money without credit or collateral is a payday loan.  You can find them by looking in the phone book.\n\nBut before you do, realize the fees are so steep that many who use them end up owing a lot more than they borrowed.  Some states are trying to pass laws to put them out of business because the fees they charge are so high, and the people who use such services are the ones who can least afford it.\n\nA payday loan still requires you have a job and I'm not sure how they secure it, but I think they get your next check.  I've never used one.  Never will.
596063
First, they can not automatically take money from your checking account. They will have to sue you in court and have the courts approve wage garnishments. Since I owe a number of credit card companies, all 4 plus years ago, they will never go through that route. That is too much time and additional money (unless you owe them like $100,000 on one card) for a credit card company to sue you. Anyway, if you are able to send any money, write them a letter and let them know you will be sending a certain amount every month. In the letter, also state that as a condition of your monthly payment, they will need to report this to all 3 Credit Bureaus. Then see what happens. In the end you have the last say in if you will or will not payback a credit card company. Of course your credit will suffer, but damn it you are the master of your life.
613624
Call my friend Gary Coleman at (866) 590-CASH.  He'll put $10,000 in your checking account in less than 24 hours.  Payments, about $200.00 a month.  Even a financially challenged person such as yourself can afford that!  Make the call, get the cash!
347812
To the best of my understanding they can't. As long as you are paying then that shows good faith that you are gonna pay it off. I had a problem with a hospital bill awhile back. I sent them 10$ a month. There was nothing they could do about the amount being sent cause I was paying. \n\nSee what some of the other responses are but I think I am right.\n\nGood Luck!!!