• Report: #311181

Complaint Review: Cashland Financial Services Inc. FKa Cashland Inc

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  • Submitted: Fri, February 22, 2008
  • Updated: Mon, February 25, 2008

  • Reported By:Maumee Ohio
Cashland Financial Services Inc. FKa Cashland Inc
17 Triangle Park Dr Cincinnati, Ohio U.S.A.

Cashland Financial Services Inc. FKa Cashland Inc unfair garnishment Cincinnati Ohio

*UPDATE Employee: Ohio Civil Proceedings

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I took out a pay day loan from this company with every intent to pay it back as stipulated in my contract. However, by the time the money was due I wasn't able to pay it. To make a long story short after sometime...a 12/21/07 stating that I needed to pay 189.08 in order to stop them from garnishing my check. I did as requested and sent them the money by express mail night to the address they gave me. This payment was to stop them from garnishing my check.

On 2/05/08 I received a letter in the mail that my check was being garnished.

Firstly, I didn't receive any notice of the court proceedings giving me an opportunity to represent myself in court. I receive this only after the judgement was render against me stating when my check would be garnished.

Secondly, it was stated that my payment would stop garnishment but it didn't.

I have tried to call them and have left message but to no avail. Is anything I can do at this point

P.S. I further want to state that everyone deserves to be treated with respect regardless of their financial situation. You should not be talked down to and treated lowly because you have financial challenges.

And then these collecters wonder why no one wants to talk to them on the phone. Perhaps your collection tatics should be reviewed. Have you ever heard you can catch more flies with honey than that other stuff.

Richita
Maumee, Ohio
U.S.A.

This report was posted on Ripoff Report on 02/22/2008 05:27 PM and is a permanent record located here: http://www.ripoffreport.com/r/Cashland-Financial-Services-Inc-FKa-Cashland-Inc/Cincinnati-Ohio-45246/Cashland-Financial-Services-Inc-FKa-Cashland-Inc-unfair-garnishment-Cincinnati-Ohio-311181. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

Ohio Civil Proceedings

AUTHOR: Tara - (U.S.A.)

Richita,

I was notified of your situation and would like to respond.
You stated in your report that you were "never notified" of court proceedings that were taken against you by said Creditor.

Ohio Civil Rules of Procedure state the Court where the complaint was filed, must *confirm* you were served properly with notice of the pending action.

You were either served by Certified Mail or, if you refused to sign for it or you failed to pick it up from the post office, it was sent to you via regular mail.

Secondly, when receiving the letter you indicated in your complaint, you must follow the instructions carefully, there are time limits imposed on you by the court, not the creditor. If your response to the letter came past the deadline, the creditor has to move forward otherwise, they would miss the deadline set by the court to move forward with the proceedings.

You state you've called the creditor several times. My records indicate you contacted the Creditor on February 11th, 2008 and your call was returned at 11:18am, the same day. A voicemail message was left for you to return the Creditor's call.

Additionally, I am unaware of any collectors from this office treating you with disrespect, and show that you have not contacted this office to state a complaint regarding collection practices. Cashland strictly adheres to industry standards regarding debt collection policies. Each of the Representatives is extensively trained to ensure that our collection policies comply with applicable law and industry standards. Cashland values our customer base and the loyalty of our customers. Our Representatives are trained to be courteous and respectful.

I sympathize with your situation and hope to speak with you to give you additional information to guide you through your current process. Please contact us at the number on your paperwork.
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