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 Posted: Thu May 25, 2006 6:36 am Subject: CashNet500 |
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Start from the bottom of this message and work your way up to see how ridiculous CashNet 500 can be. Does anyone have anything further that I can tell them to take care of this? Let it be known that this is the "manager" that I am corresponding with. ???
Any more questions? Comments? I find it funny that a manager cannot even spell or use correct grammar to give an explanation. Again, I expect no further payments deducted from my checking account. I have advised Wachovia Bank of what is going on. The next step for me will be contacting Utah licensing. How's that for time-consuming?
He will be contacting you. BBB of Utah has already sent a letter to Cashnet.
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-----Original Message-----
From: Tim [mailto:Timmcfeeters@cashnet500.com]
Sent: Wednesday, May 24, 2006 9:42 AM
What is your attorney's name so I can contact him?
Tim McFeeters
Manager
Global Payday Loan LLC.
800-654-7444 x855
Sent: Wednesday, May 24, 2006 9:38 AM
To: Tim
Subject: RE:
Fine. I am done arguing with you people. I will let my attorney know how you handle your business. I have also advised my bank that I did not authorize $350 to be deducted from my account to pay Cashnet. My attorney and the BBB will be contacting you regarding this matter. As far as I am concerned, I have paid more than enough to pay off this loan. You are not authorized to withdraw any further funds from my checking account, effective immediately. I feel sorry for anyone that tries to business with your company, especially if they get the kind of service that I have. They say that the customer is always right, and this customer is not satisfied by any means.
-----Original Message-----
From: Tim [mailto:Timmcfeeters@cashnet500.com]
Sent: Wednesday, May 24, 2006 9:30 AM
Ms., I am correct. I have told you this in the past they were selling a product we are not.
This is becoming repeative. And we didnt solicite any business. you came to us. You applied for the loan
via the internet. Pennsylvaia has laws prohibiting what the Dot.com company did. You cant not operate a Payday
loan company in Pa. that is the law that company broke.
Tim McFeeters
Manager
-----Original Message-----
Sent: Wednesday, May 24, 2006 9:19 AM
To: Tim
Subject: RE:
Thank you for clarifying that. However, Citibank is not a Payday Loan Company. I think that I know the laws of SC also. I do work for the local government. Would you like me to send you a copy of South Carolina Title 34 - Banking, Financial Institutions & Money, Chapter 39 - Deferred Presentment Services? As I stated, it does not matter where the loan originated. See below.
Your claim that the contract that I signed is only governed by the law of the state in which your company resides is unsubstantiated. There is specific Federal case law that refutes your claim. Your company solicited, accepted and transacted business with a citizen of the State of South Carolina, thus you are subject to the laws of this state including the maximum rate of interest and the usury laws.
"Dot Com repeatedly and consciously chose to process Pennsylvania residents' applications and to assign them passwords. Dot Com knew that the result of these contracts would be the transmission of electronic messages into Pennsylvania. The transmission of these files was entirely within its control. Dot Com cannot maintain that these contracts are "fortuitous" or "coincidental" within the meaning of World-Wide Volkswagen. When a defendant makes a conscious choice to conduct business with the residents of a forum state, "it has clear notice that it is subject to suit there." World-Wide Volkswagen, 444 U.S. at 297, 100 S.Ct. at 567. Dot Com was under no obligation to sell its services to Pennsylvania residents. It freely chose to do so, presumably in order to profit from those transactions. If a corporation determines that the risk of being subject to personal jurisdiction in a particular forum is too great, it can choose to sever its connection to the state. Id. If Dot Com had not wanted to be amenable to jurisdiction in Pennsylvania, the solution would have been simple--it could have chosen not to sell its services to Pennsylvania residents." (W.D.Pa. 1997)
-----Original Message-----
From: Tim [mailto:Timmcfeeters@cashnet500.com]
Sent: Wednesday, May 24, 2006 9:13 AM
Ms. , we are under the Utah State of Banking Laws. Those are the laws we follow. Citbank is based out
of New York, they do business all over the world. They are not licenced in every state to do business. They are
licenced in NY and have to follow NY State laws.
Tim McFeeters
Manager
-----Original Message-----
Sent: Wednesday, May 24, 2006 9:10 AM
To: Tim
Subject: RE:
I am requesting that my account be marked paid in full and all overpaid fees are returned to me. SC laws (no matter which state that the loan originates) states that there can only be a 15% charge per $100 borrowed and that loans cannot be rolled over. How is that too time consuming? I have tried to contact cashnet several times by phone and I am left on home for 15 minutes or more. That is time consuming.
-----Original Message-----
From: Tim [mailto:Timmcfeeters@cashnet500.com]
Sent: Wednesday, May 24, 2006 9:05 AM
Ms.you supplied us with your work information. At no point when you applied for the loan did
you tell us you cant make or receive personal calls. As a matter of fact you faxed us your contract form work.
Your questions you are asking are to time consuming to type.
Tim McFeeters
Manager
-----Original Message-----
Sent: Wednesday, May 24, 2006 8:57 AM
To: Tim
Subject: RE: Tim for your review..Karen
That is fine. I'm too busy to keep trying to contact your company also. I will let my attorney know that you are too busy to bother responding. I am not supposed to have and or make personal calls here at work. I also find it funny that you do not reply to e-mails, even though you just did. This e-mail has sent to the BBB of Utah.
-----Original Message-----
From: Tim [mailto:Timmcfeeters@cashnet500.com]
Sent: Wednesday, May 24, 2006 8:50 AM
Subject: RE: Tim for your review..Karen
Ms.if you have any questions you must call me. I do not reply to emails. I am to busy.
My nuber is listed below.
Tim McFeeters
Manager
-----Original Message-----
Sent: Wednesday, May 24, 2006 7:52 AM
To: tim @ cashnet500.com
Subject: FW:
3rd request for response....All requests are being forwarded to my attorney, as well as Utah's Better Business Bureau.
Tim,
Kim in Customer service gave me your name. I am requesting a response about my loan.....I have been requesting a response since the beginning of May. Some of your employees are very rude and unprofessional...I have forwarded all correspondence to my attorney. I am requesting a refund of all overpaid fees paid on this loan. Please respond ASAP. The following is a chat session between Kim and myself.
You are now chatting with : kim
Kim: Hello how may I help you today?
You : I need to check the status of an account that I had with CashNet.
Kim: may I have your SS# please?
You : *********
Kim: I show a current balance of $380. To make arrangements you need to call accts recievable 18006547444 ext 837
You : I had faxed and e-mailed several documents that my attorney gave me regarding payday loans, and to this day, I have gotten no response. Suddenly, on May 12, $350 was deducted from my checking account. When I called Cashnet, I was told that I agreed to the debits, which I did not. Therefore, I notified my bank and let them know that I did not authorize $350 to be deducted. SC law states that payday loan companies cannot (no matter which state the loan company resides in) charge over 15% per $100 dollars. In addition, a loan cannot be renewed or rolled over. I have requested several times that all overpaid fees be refunded to me. All correspondence has been forwarded to my attorney for further review. CashNet has also been reported by myself to the Utah BBB. I will not withdraw any claims until my money is fully refunded.
Kim: you will need to speak to the accounts receivable department I cannot make any such decisions or determinations.
Kim: I do apologize for any inconvenince.
Kim: The number again is 18006547444 ext 837
You : Whey can no one respond to my questions? Give me a direct e-mail or fax to that department along with a name of someone that I can speak to.
Kim: fax number is 18004186073
Kim: you can email tim @ cashnet500.com
You : Thank you.
Kim: You need to speak to accounts receivable. I as customer service cannot advise.
Kim: I am sorry. Any other questions?
You : That is all. Have a nice day
Kim: you as well. |
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kbraveboy
Joined: 07 Mar 2006
Posts: 175
Location: South Carolina Debtcc Points: 2879
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| Posted: Thu May 25, 2006 7:12 am Subject: |
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Looks to me like they are playing games with you. Keep reminding them that they are bound by the laws of the state in which the borrower lives. I would file a complaint with the BBB, Attorney General, Consumer protection in your state and include all letter received from Cashnet500. Do not back down from them.
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NotsoLucky
Joined: 02 Nov 2005
Posts: 3164
Debtcc Points: 45646
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| Posted: Thu May 25, 2006 7:16 am Subject: |
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I have already notified the BBB of Utah. I also contacted my bank last night and let them know what was going on, just in case my account was debited again. The bank rep put a block on their "ACH ID" so they couldn't pull any money. As for the BBB, they say that Cashnet has until May 30 to respond.
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kbraveboy
Joined: 07 Mar 2006
Posts: 175
Location: South Carolina Debtcc Points: 2879
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| Posted: Thu May 25, 2006 7:18 am Subject: |
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Did you also file with the BBB in your state also?
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NotsoLucky
Joined: 02 Nov 2005
Posts: 3164
Debtcc Points: 45646
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| Posted: Thu May 25, 2006 7:21 am Subject: |
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Not yet, planning on doing it today.
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kbraveboy
Joined: 07 Mar 2006
Posts: 175
Location: South Carolina Debtcc Points: 2879
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| Posted: Thu May 25, 2006 8:27 am Subject: McFeeters |
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This is kind of funny. Last week I sent McFeeters an Email requesting a copy of my Original "Signed" contract. He in turn told me to send an SASE. I did,and guess what,no contract yet! I just sent him an Email requesting it again. By the way..It was Cc'd to my
counties clerk of courts!
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Roadwarrior
Debt Samaritan
Joined: 07 Apr 2006
Posts: 587
Debtcc Points: 193
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| Posted: Thu May 25, 2006 8:33 am Subject: So? |
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So this does this mean they can only sue in their state.... So say they are in Nv then the will be ueing me from the court in NV? i dont get it..
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Katie
Guest
Debtcc Points: 100
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| Posted: Thu May 25, 2006 9:24 am Subject: |
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They have to sue you in your own state, Katie..Which they won't do if they're not licensed in your state, because they will be prosecuted themselves.
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Jessi
Moderator
Joined: 01 Dec 2005
Posts: 3466
Debtcc Points: 20208
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| Posted: Fri May 26, 2006 10:22 pm Subject: |
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Kbraveboy..
Sure sounds like my communication with this "tim" guy verbatum!!!!
I have several emails that are exactly like yours..these people are tough nuts to crack! They also added over $500 in fees to my outstanding loan..I already paid them over $900 on a $300 loan...now they want more..
Lookout for them...
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erzeke1
Moderator
Joined: 26 Mar 2006
Posts: 1180
Debtcc Points: 16272
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| Posted: Sat May 27, 2006 9:11 am Subject: Cashnet 500 |
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So I received a communique from McFeeters regarding the SASE I sent in order to get a copy of my "Contract".... It goes like this;"So,where did you send this "supposed" envelope?"
Wow! Pretty professional I thought! Just goes to show,anybody can obtain a license for anything!
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Roadwarrior
Debt Samaritan
Joined: 07 Apr 2006
Posts: 587
Debtcc Points: 193
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| Posted: Sat May 27, 2006 2:36 pm Subject: re |
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Reading the 1st post. Its does not seem like Tim believes you have an attouney and is calling your bluff. Did you send him his contact info?
I have been dealing with them as well but they do not have my banking info. They do not present themselfs as a professional outfit at all. Good news is they are located in the US so they are subject to all Federal lending laws and have to face the consequences of breaking them.
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Glynnie11
Joined: 23 Jan 2006
Posts: 243
Location: the Amish Hood Debtcc Points: 1492
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| Posted: Sat May 27, 2006 3:57 pm Subject: CASHNET |
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I don't have an attorney. I Already have a court date and Docket number though. Been spending alot of time doing research at my local court house library.
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Roadwarrior
Debt Samaritan
Joined: 07 Apr 2006
Posts: 587
Debtcc Points: 193
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| Posted: Tue May 30, 2006 12:14 pm Subject: P ay check now - pay day loan company |
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Pay check now - has anyone dealt with them - I need to pay them what I owe - but they won't talk to me until I give them my checking account number and I don't want to give that to anyone
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dd
Guest
Debtcc Points: 100
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| Posted: Tue May 30, 2006 12:58 pm Subject: |
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dd,
Don't give out your checking account info. Use money gram to send your payments to the company. Have you reviewed the itemized statement of this account before sending the payment?
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john
Moderator
Joined: 05 Jan 2006
Posts: 1297
Debtcc Points: 26427
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| Posted: Fri Jun 02, 2006 10:01 am Subject: |
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Ok. So I talked with a rep from my bank about my 1st post at the top of this forum. She blocked the ACH ID for Cashnet/Global Payday. But, this morning, I checked my checking account, and surprise....there was a "generic check" made out to Global Payday for $380. In the signature line, it stated that my signature was not required. HELLO?! Didn't I already tell the so-called manager of this PDL that I did not authorize these payments? Anyway, I called my bank and she was going to have it investigated. I told her that I would gladly fax all of the info that I had from them (including the part where I stated the they were not authorized to take money from my account). I have reported this company to the BBB, even though BBB cannot even get a response from them. I am planning on sending the bank the BBB complaint form also. The lady at the bank tells me that maybe I need to change accounts with the bank. I really hate to have to do this again. Does anyone have any advice for someone who is having such a hard time?
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kbraveboy
Joined: 07 Mar 2006
Posts: 175
Location: South Carolina Debtcc Points: 2879
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| Posted: Fri Jun 02, 2006 12:17 pm Subject: |
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Take your bank's advice and close the checking account. Don't allow Global Payday to make unauthorized debits in your checking account. If you are not interested to close your account, get the id code of the company blocked by your bank. They will not be able to make debits with different amounts. Try this and you won't need to close your account.
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john
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