Paycheck late, truck payment late, late fees...help?

Question

My payday is always every Friday for the week before, and my company, as big as it is, does not offer direct deposit. There was a mixup last week that was caught on Wednesday(9/12). The error was sent to payroll and my check was to be overnighted.
Tomorrow (Wednesday 9/19) will be day 5 with no paycheck and they cant say if it will be there then too (more mix ups). I have a truck payment that was due LAST friday(9/14) and although they are holding off on reposessing my vehicle, thank God, they are expecting late fees.
How long can the company go without giving me my check, and can I make them responsible for the late fees? I cant afford late fees, which is why I ALWAYS pay on time and this isnt my fault!

Usually we do have money put aside for things like this, but we have had some things happen and that money has had to be used.
Also, I work part-time to supplement our income, but as I said things have happened and we are depending on my tiny paycheck. $40 will break the bank in this case.
And yes I did get it in writing that payday would be every Friday.

Answer 1

The opening above is the perfect "Re:" or "Subject" of an email of concern for your credit standing . With only a few changes in the third paragraph, this is a very good inquiry to the head of your payroll department and could be courtesy copied to your note holder. Also, a blind copy to your immediate supervisor might alleviate some of your frustration at work.

If you have never been late, (Late means by the due date, not beating the late charge date.) this is all your lender needs and your late fee will probably be waived. Even if your target has been the late charge date, as it is with many others, a single late fee will be obvious and they will certainly let you pay it out.

The answer above is true. They have heard it all; however, they haven't seen it all, yet. Show them you actually have a reason and not just an excuse. Don't be unduly concerned about premature repo hype. They don't need another vehicle. They just want their money. Good Luck.

Answer 2

If you have to, you can call wage and hour about the late paycheck, they tend to get companies moving faster than you or I could. I suggest you get hold of any loans, like the truck payment, and see if you can just make a interest payment, most loans allow a few of those. If you work for a large company, chances are they won't help you on those late fees, a small private company might, just because of goodwill. Sometimes, especially in a case like this, bypass personnel and/or payroll and climb the corporate ladder to get more concrete answers about when check will get there, etc.
best of luck to ya, maybe it will show up in the morning, fingers crossed.

Answer 3

Well if you have loss because they fail to fulfilll a contract (pay on time) then they are liable.

However the fees are not that big and not worth suing over.

It is a big hassle, and one place didn't pay me for 3 months while they tried to get their pay system to work (the money was signed over to pay to me but the payroll people kept making mistakes).

I always keep some money in reserve to handle this sort of situation because it is part of life.

When you are unable to pay a bill or something the best way is to pick up the phone and talk to the person that you owe money to. It is not in their interest to reposses your truck, it is better that you keep on paying. If you explain the situation then often a suitable solution can be worked out (though chances are they don't believe you about the late check, they have heard it all before, but if you are proactive then they will be more tolerant).

Answer 4

the only thing i would say is ...to your boss is that you need to get paid so you can make your truck payment .and call the company where your truck is through to let them know what is going on .if you keep them posted on your happings they should under stand if you have never been late before ....and set up a payment plan too pay the late fees ,if that does not help seek a attorney .......