CashCall Wish I had known! Fountain Valley California

About a week and a half ago, I had to change my checking account information because it had become compromised. The bank is supposed to send me new checks that could take up to 14 days to receive. I had 4 accounts that were automatic debit, cashcall being one of them. The bank could only give me counter checks to fax to the company to do my direct deposit and to send to cashcall. I tried calling them to explain the situation and they were so rude and said that because I didn't call 5 days prior to my due date of 12/1, they couldn't stop my payment. I asked if I would still be charged the returned fee and they told me that they would keep sending the payment to the old account and would be charged $15 each time. I was livid!

I called the bank to let them know that cashcall needed to get their money and to make sure they transferred it when it came through. In the mean time, I faxed them a counter check that was from the bank last week and they have been calling me almost daily to harass me about sending them updated checking account info. I told them that as soon as I get the checks, they would get their info, however until then, don't call me everyday!

These people are totally out of their minds and if they call me again, I'm yelling at them!!

I tried to get a loan from my bank and credit union. I was declined due to high debt ratio. Even though everything is paid on time, if you have used up too much of your credit, it's just like having bad credit. I guess the financial institutions don't get bill consolidation the way we see it. If my debt was $10,000 less, I would probably be able to get a loan to pay them off. I just recently applied for a part time job to be able to get rid of these suckers!

If you have good credit like you say you do.. why not go to a bank and apply for a loan so you can pay off these bloodsuckers?
Why did you get a loan with this place if you have good credit?