I have taken out a pay-day advancement loan with GFSIL of $275.00. Due to starting bankruptcy proceedings, which I wasn't originally going to list them in, I was unable to make my payments so I put in a "Stop Payment" on my checking account. They began calling my work and was very harassing. They raised their voices at my co-workers and my department managers when they were unable to get a hold of me at those particular times. They even went as far as changing their name to try to get into my account. When they did get a hold of me they threatened to talk to my store managers and HR managers to get my check garnished and they also threatened to take my government economic stimulus package that I would be getting on May 16th. They said that they knew that I was getting it on that date.
I told them not to call me at work that I was unable to talk about personal stuff on company time, but I was willing to discuss the situation through e-mails or US Postal. They said that was not possible and that they were turning it over to their legal department. I again told them that they were not to call me at work. They said that they WILL call my work and WILL talk to my supervisors and WILL talk to my HR department.
I called my attorney and was told that they can't do that and I will be okay.
They continued to call my work multiple times per day. I don't know if they talked to my superiors or not. At least none of them said much about it.
They called again the other day and set up a payment plan and told me to call my bank to let them into it. Of course, I was at work and was unable to make any type of informed decision and I have not done so. They sent me an e-mail stating the payment plan and said that if I was unable to do it, to contact them 3 days in advance. and they will make different arrangements
They do not seem to have an address and none of them speak English very well. I also have not found where they have a license to conduct this type of business in the state of Illinois (Or anywhere else in the US for that matter).
If need be, I might consider paying back the $275 principle, but giving their illegal activity, and that the transaction was illegal on their part in the first place, I am tempted not to.
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