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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???????




everybody!!!!
i got my first response from the bbb RE united Cash Loans.
" at the time of the application the term and conditions were presented and the customer had the opportunity to print them at that time. they had to answer a question whether they understood the tems b4 we could even receive the app to process. in addition, there was a 48 hour time frame the customer could cancel the agrement without incurring a fee. b4 each debit we sent an acount summary which explained the terms once more, and all of the options for repayment. this form was emaild at least 10 days b4 each debit. it also included out customer service number to ask any additional questions. we also have a direct email link on our website to anser any inquiries if the customer had wanted to avoid additionals fees, they needed to pay the full amount due on the first debit due date which was in the original contract, as well as the acount summary emailed to the customer very shortly after the funds were place in their own account for their own use, at their request. the original loan documents can be faxed directly to the customer once we are given a fax number to send them to. WE WILL STOP ALL COLLECTIONS AND DEBITS ON THE ACCOUNT AND WILL REDUCE THE CURRENT BALANCE OF $410.00 TO $140.00(THE GIVE THEM CREDIT FOR THE $120.00 PAID BEFORE THE ACCOUNT WEN TO COLLECTIONS ON THE FULL AMOUNT ON THE FULL AMOUNT AGREED TO PAY OF 260.00)
SO IN SHORT IT WAS NOT EVEN $300.00 THAT I BORROWED -- UNITED TRYED TO RIP ME OFF AND MAKE ME PAY $410.00
I TELL YOU THERE IS NOTHING LIKE THE POWERE OF THE KEYBOARD . I KNOW IT IS A SMALL VICTORY BUT I AM SOOO RELEVED TO KNOW THERE ARE PLACES TO TURN TO FOR HELP AND THAT I DON'T HAVE TO LET THEM BULLY ME INTO PAYING THEM. I HAVE TH WIRING INSTRUCTIONS AND I WILL SEND THME THEY MONEY AND BYE BYE OUT OF MY LIFE.
SORRY FOR THE LONG EMIAL I JUST HAD TO LET YOU ALL KNOW.

Sub: #1 posted on Wed, 08/20/2008 - 19:09

RWILLIAMS RWILLIAMS

(Posts: 129 | Credits: 30.77)

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: #2 posted on Wed, 08/20/2008 - 18:31

RWILLIAMS RWILLIAMS

(Posts: 129 | Credits: 30.77)

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: #3 posted on Wed, 08/20/2008 - 00:58

Unregistered


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

Sub: #4 posted on Tue, 08/19/2008 - 04:40

wssu92 wssu92

(Posts: 510 | Credits: 31.64)

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: #5 posted on Tue, 08/19/2008 - 01:37

danilewis82 danilewis82

(Posts: 296 | Credits: 24.52)

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 Tue, 08/19/2008 - 01:23

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.87)

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

Sub: #7 posted on Tue, 08/19/2008 - 00:18

RWILLIAMS RWILLIAMS

(Posts: 129 | Credits: 30.77)

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: #8 posted on Mon, 08/18/2008 - 23:35

ralphapena ralphapena

(Posts: 9 | Credits: 1.78)

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

Sub: #9 posted on Mon, 08/18/2008 - 23:30

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

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: #10 posted on Mon, 08/18/2008 - 23:27

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17342 | Credits: 1592.87)

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