USA Checks Cashed and Payday Loans

This review is only for the payday loan side of the business. I have not done any business with the other side of the office. You know that you’re in dire straits when you actually have to go to get a payday loan. I understand that these places are just loan sharks except they won’t break your ribs if you don’t pay up. However, I’ve been in situations where I had no choice but to find one of these places and it’s been a relief to find one. So I went to this location on Christmas Eve to get a payday loan and was helped by the lady who was dressed as though she was going to a raunchy night club. I told her that my next payday was on january 1^st. She said that January 1^st was a holiday and banks were closed so that I needed to write my check for 12÷31÷15. I explained to her that usually when a payday falls on a holiday, my direct deposit does post to my bank on the day before, but this time I had been informed by my employer that because payday was in a different tax year, we were not going to have our funds available probably until January 2^nd, but that it all depended on our banking institution. So this lady tells me that I still have to write the check for ¹²⁄₃₁. I explained the whole thing to her again and she just looks at me with a blank stare. Then she says that they won’t deposit the check and that I can come in on Jan 2^nd, but I still have to write the check for ¹²⁄₃₁.
Needless to say, i felt uneasy, but I was almost desperate, so I gave in. The following week, on 12/​30, this woman leaves a message on my voicemail to remind me that I owed them money and it was due on ¹²⁄₃₁. I call her back, begin to explain the situation, so she asks my name and puts me on hold… For 13 minutes. The last two minutes, someone picked up the line, but didn’t say anything and I could hear people talking, but no one could hear me saying hello, then they hung up on me. I call back and start all over again. This woman says to me that she didn’t put me on hold… Whatever! Then she proceeds to tell me that I owe them the money and won’t let me explain the situation because she keeps talking over me. She keeps saying that my check is for ¹²⁄₃₁ and that’s when it’s due. I tell her that she was ok with my direct deposit situation and of course she couldn’t recall. I finally get her to agree for me to come in on Jan 2^nd. I know to trust my instincts when it comes to incompetent people, but like I said before, I was in dire straits. I would not recommend this place because aside from the head ache I had to go through, this place gives out a shady vibe and maybe your ribs will get broken if you don’t pay up.