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Pay-Day-Loan-Yes/USA Cash Express

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This company has been calling me non-stop also. They actually owe me money, not the other way around! I have emailed them the demand letter several times and they will not even acknowledge me. They just tell me that since I am not providing them with acceptable payment arrangments, that they have placed my email in a "reject status".
They are threatening all kinds of "legal action". (Calling me at 6:30 in the morning which I just let go to voicemail and they leave threatening messages, they keep calling me at work)
I have read on this forum about how to handle their threats but my question is this: There are so many laws and rules that this company is always breaking, why can we not do something about them ? Why are they still in business doing this to new people everyday? Why can't we sue them for harasment and breaking the law - put them out of business ? Please tell me why they keep getting away with all this ?

They are violating the FTC laws. Both of these companies are illegal. File a complaint with FTC asap. Yes, most of the illegal payday loan companies are breaking the laws everyday. You can file a lawsuit against them for harassment.

Sub: #1 posted on Fri, 03/23/2012 - 10:31

Good Nelly Good Nelly
Industry Expert
(Posts: 2659 | Credits: 531.75)

You have to convince the Congress about it. They have the audacity to break the law at the drop of a hat simply because the lawmakers and regulators sit behind a desk and do nothing to enforce the very laws they make. Debates aside, you need to file a complaint with your state AG, the BBB and the FTC. That should get the ball rolling.

Sub: #2 posted on Fri, 03/23/2012 - 13:11

StevenDoyle StevenDoyle

(Posts: 199 | Credits: 0.38)

You will be happy to know that illegal lenders won???t be able to take any legal action against you. They have violated the laws by giving you threats. File a complaint against them to the SAG or FTC.

Sub: #3 posted on Fri, 03/23/2012 - 13:43

Tyler Tyler

(Posts: 269 | Credits: 70.47)

paydayloan yes was and is based in the bahamas.they had a mail drop address in IL,but were fined twice by the AG and as far as i know neither fines were any illinois address is not legit.the only gov't body that will do something is the FTC,and they need alot of complaints.file at and you can file it as again they are the ones who will take action.

Sub: #4 posted on Fri, 03/23/2012 - 19:51

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

Hi ~ I am to a "victim" of payday loan yes or now USA Cash Express,,,, have had a few phone calls.. and expect more now that they tried yet again to take $445 out of account yesterday. (Closed account) Sent letters numerous times through email -- no responses. I have address for USA Cash Express as 800 Ashbourne Rd., #29729, Elkins, PA does anyone know if this correct? This is from their website. Thanks to this site I know what I am facing and am ready!!!!

Sub: #5 posted on Fri, 03/23/2012 - 23:03

ade ade

(Posts: 5 | Credits: 1.82)

it's a UPS store address.just a mailbox at best.typical of this piece of pdl garbage.

Sub: #6 posted on Sat, 03/24/2012 - 01:16

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

Keep filing complaints. It's the only weapon we have against these offshore operators.

Sub: #7 posted on Mon, 03/26/2012 - 19:22

OhioGal1 OhioGal1
Moderators Cum Industry Expert
(Posts: 5254 | Credits: 830.27)

Hi ~
Received first call from First National Services are they a collection agency or just another name for Payday Loan Yes... again offering me a settlement ... does anyone have an address for them so I can send cease and desist letter? This is after one settlement offer and then instruction to call or email "supervisor" which I did with letter and repeat of ACH revoke letters. They owe me $475. :mad: Thanks.

Sub: #8 posted on Thu, 03/29/2012 - 00:04

ade ade

(Posts: 5 | Credits: 1.82)

first national is pdly's main collector and they are a complete piece of sh*t.they list their address as 1060 w.addison in chicago.of course that's wrigley field.they are a complete joke.ignore their sorry a$$e$,and file more AG complaints against pdly.

Sub: #9 posted on Thu, 03/29/2012 - 00:43

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

Somehow these scumbags got a hold of my son's cell phone number (he is in high school) and called him in the middle of a class. Of course it went to voice mail. Left the same stupid subpeona message with him on his VM. And call this 888 number with your case number. Good grief, they won't let it go, even when I ignore them. So now they are searching for my other phone numbers? I have never published that number anywhere!!! What pieces of junk they are.

Sub: #10 posted on Fri, 03/30/2012 - 05:09

agath2005 agath2005

(Posts: 68 | Credits: 10.26)

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