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hi have a loan with united cash loans. i have been having some financial set backs and having a difficult time in paying these creeps. anyway i faxed a letter stating not to call me at work and that i will be filing a complaint with the attorney generals office, which i did. this morning i had a voicemail from them that i had 48 hrs to call them they did not say what they would do in the meantime. they called me again today and i said that i had faxed a letter to them and they can not keep calling me at work, and the guy goes on talking like i never even said anything. now i am really pissed mostly at myself because i should have just hung up on him, but at the time i had to keep my composure as there are people up and around at my desk and then got bullied into making a payment arrangement. any advise out there???????




Yea, a piece of advise, DON'T let them bully you! When they call hang up, they can call until they are blue in the face, they cannot make you do anything.

And I think that they are apart of MTE, I could be mistaken. But wait on your response from your state AG, did you send a complaint to the FTC or the BBB as well??

These companies SOMEtimes will back off when they see you have filed something against them.

Give it a try, and good luck! :wink:

Sub: #1 posted on Mon, 08/18/2008 - 10:42

danilewis82 danilewis82

(Posts: 296 | Credits: 24.52)

What state are you in? I dug up some info about them here http://www.debtconsolidationcare.com/nevada/about23550.ht ml, according to that poster, they (United Cash Loans) are not licensed to lend anywhere in the U.S. Do you still owe them money? I would send them money orders through USPS, and don't over extend yourself. Next time they call, hang up. :wink:

Sub: #2 posted on Mon, 08/18/2008 - 10:57

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.8)

they are something else..literally.do as the others said hang up on them.

Sub: #3 posted on Mon, 08/18/2008 - 11:00

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15505 | Credits: 1356.46)

I had the same problem with these guys, I had sent a letter to them via email and got a couple of calls at work. But after 2 weeks of not paying attention to them I got an email stating that i had paid my loan off successfully and were offering MORE money on my next loan. Amazing. Just hang in there

Sub: #4 posted on Mon, 08/18/2008 - 11:05

ralphapena ralphapena

(Posts: 9 | Credits: 1.78)

ok all, i have submitted complaints to bbb, state ag and ftc
now what????

Sub: #5 posted on Mon, 08/18/2008 - 11:48

RWILLIAMS RWILLIAMS

(Posts: 129 | Credits: 30.76)

I found this info that Goudah posted about Mass at the following link:

[quote]In the following states internet payday lenders are not legal, either because of restrictive laws, or because the state does not license companies not located in that state, but requires a state issued license to lend.

Connecticut

Georgia

Iowa

Maryland

Massachucetts [/quote]

Here are the laws for Massachusetts.
Quote:

Massachusetts State Information

Legal Status: Prohibited

Citation:
Small loan act applies. Mass. Gen. Laws Ann. ch. 140 ???? 96 et seq.;209 Mass. Code Regs. ???? 26.01. Check cashers are specifically prohibited from making loans unless licensed under the small loan act. 209 Mass. Code Regs. ???? 45:148).

Small Loan Rate Cap
23% plus $20 administrative fee upon the granting of a loan

Where to Complain, Get Information:
Regulator: Massachusetts Division of Banks
Address: One South Station Boston MA 02110
Phone: (617) 956-1500
Fax: (617) 956-1599
Regulatory Contact: Kevin McNamara Supervisor

Sub: #6 posted on Mon, 08/18/2008 - 12:53

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.8)

now you wait! waiting is the hardest part too, did you send them a letter, there are some good ones here on the site, since pdl's are prohibited you should pay them what you borrowed.

Sub: #7 posted on Mon, 08/18/2008 - 13:07

danilewis82 danilewis82

(Posts: 296 | Credits: 24.52)

Sent the a cease all contact letter. I think either Cannr, Shazzers or someone as a good one that breaks everything down.

Sub: #8 posted on Mon, 08/18/2008 - 16:10

wssu91 wssu91

(Posts: 510 | Credits: 31.64)

I agree with others, if they call, just hang up.

Ralphapena, I've had that happen w/ PDL's, as well; they'll "generously" offer me a new loan. Hopefully nobody falls for that, it's just one of their sneaky ways to get your new bank info if you've closed your account!

Sub: #9 posted on Tue, 08/19/2008 - 12:28

Unregistered


oh yeah i am on to them and i simply refuse to let myself get into more debt i am down to my last $4.00 to last me until tomorrow and half a tank of gas to get me thru the week i just have tomake due with what i have. i know they are just baiting me with all of their offers but that's ok i am not falling for it.

Sub: #10 posted on Wed, 08/20/2008 - 06:01

RWILLIAMS RWILLIAMS

(Posts: 129 | Credits: 30.76)

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