Complaint Review: Amscott Daytona Beach florida - Port Orange Florida

 I noticed there are plenty of reports on Amscott. Mine is primarily with a Pay Day Loan.

 I used to cash my checks from work at the Amscott in Bellair Plaza, Daytona Beach, and this is where my loan originated. My work is seasonal, and I got behind, and then work slowed for the season, in September. So I notified them I would not be able to pay as previously agreed to , but that I would try and give them what I could.

Unfortunately, months went by, but I kept in touch, and never ignored my debt. My pay checks stopped altogether, and was in a car accident. I again informed them of this.

Recently I got a $138.00 pay check, and went to Port Orange office to cash it, as the office at Bellair was still doing business with me at this point.

I unfortunately did not get this girls name, who decided she would call before she cashed this for me, after I said I wouldn't be able to give her any out of the $138.00 toward my debt of $150.00. She was extremely rude at this point, and I told her this amount on my check wasn't even enough for me to eat on for the week, and tried to explain that I was getting a settlement from an Insurance company from my accident, and planned on paying them the full amount within 2 months. But she kept pressing me, and then told me she could no longer do business with me, if I couldn't pay atleast $40.00 at that time. At this point I'm pretty upset because of how rude she was, and not efficient in her job at all , and that was the only check I had gotten in months. The Amscott at the other location already knew my situation, and obviously never put anything in the computer, after numerous times, talking to them when a payment was due. I signed more papers everytime I went into the original office at Bellair, and constantly explained my situation , every month.

After dealing with this girl in Pt Orange, it wasn't 3 weeks, and I had a notice to appear in court. I know that they just don't do what they say their doing, even when you explain your life story to these people, they never update their records, even when they tell you, it's fine, etc etc. So I feel violated as hell. Now, I could not show up to this court date, which was labled as a bad check. But they weren't suppose to deposit the check at all. So this girl screwed me big time. I was always told, that when I wrote them that check on my account, that it would never be deposited. So that's how they make you feel safe I guess. So now I have to explain this to a judge, and it's a criminal charge, on my record!!

It's pretty screwed up, and I'm researching about my rights now, but people really need to be aware of their rights, even when a big company like Amscott tells you your all set, don't worry. We won't cash this or send it to the bank. That's bull. Yes they will.

I'm not sure if this is considered a ripoff, but I sure feel like it is,  now I am in a court system, when I didn't even know I was doing something wrong. Criminal charges and bad check writting, is something I certainly don't deserve, from a pay day loan.

Taryn