Dont worry Chyna26, the BBB, FTC and your state's attorney general's office will investigate your complaint. It may take some time, but they will respond. The attorney general's office has the authority to file suit against them if they have violated yours and other's civil rights. They can not act as your private attorney, but as a class action attorney. I dont know if the BBB or the FTC have authority to file suits, but you sure do. You can contact a private attorney and see what can be done.

the ftc finally did respond to my complaint, they said that this company is violating the fdcpa, in which i already know, but they stated that that if additional information is needed for investigation someone from ftc of another law enforcement agency would call me. i have all the harrassment messages saved on my cell so they will not go anywhere, i recorded the messages through my voice memo which is like a tape recorder. but if anyone can please send your complaints as well, the more the better, they will see how serious this issue is! they need to get more complaints and if possible this company will be issued on their front page news release undergoing investigation.www.ftc.gov

[roxette]

Did you check the state attorney general website of Florida for the list of consumer complaints? It has a list of more than 20 complaints filed against the said company.

myfloridalegal.com

Regards
Roxette

hi roxette,
i was trying to view that site:myfloridalegal.com, where exactly did you find that information?

was it for cash today limited? i saw an article on ellis and crosby but nothing yet on cash today

all u got to do is not, extend your loan when asked cause when u say yes to this extension, although you think u r paying a little amount u end up paying more than you should cause it is interest you are paying not the actual amount. so my advise is that if you are currently owing them some money, contact them and ask them to try and make a paydown plan for you, and as long as you keep to the agreed plan and you dont default, they will never phone you and that is a guarantee, no more calls to you at all. and when you get a paydown plan do make sure that you choose amounts which do not overstretch you and then you will default and of course the calls WILL start coming.

I am a deputy attorney general for the State of Nevada. We received a complaint regarding Cash Today Limited about harrassing collection actions. This office does not have jurisdiction over interstate collection matters, however, operating a loan company without a license is within our jurisdiction. It looks like Cash Today is really located in either Canada or the UK, and the Reno, Nevada address is just a mail drop. But if Cash Today has any employees at the mail drop, then Nevada does have jurisdiction. Anyone with information as to the web site for Cash Today Limited or anyone who has information connecting Cash Today with Leads Global or any other corporation, please send me an email at jrmcglam(at)ag.state.nv.us. All other complaints regarding harrassing collection calls should be made to the FTC at www.FTC.gov. The Federal Trade Commission has sole jurisdiction over debt collections. Thank you.

Hello John,

Their website address is cash2day4u.com. The following was posted in another forum:

Cash Today Limited
Phone: 800-680-2177
Fax: 800-690-9926
1005 Terminal Way Suite 110
Reno, NV 89502

I have an outstanding loan with them. The email address I have received correspondences from is Samantha(at)cash2day4u.com. I hope this may be of some help to you. I also sent you an email with this information as well.

The following was taken from a previous posting. It appears they had caller ID and was able to get an actual phone number instead of the number they ask to you call:

"They wouldn't give me a physical address and are calling from this number: 442084922780"

hi john,
i sent the same information as well to your e-mail address. i recieve e-mails from samantha@ cash2day4u.com and the phone number that i always call is 800-670-4075

[roxette]

Hi CHYNA26

You can gather more information about Ellis at the following links.

You can get details of the case filed aginst Ellis at this link

News release about Ellis Crosby

Do let me know if I can be of some more help.

Regards
Roxette

I am curious, did anyone get an actual paper contract with Cash Today, Ltd? I didnt, all I got was a phone call after I applied for the loan online. They told me the telephone conversation was the contract. Can that be right? I mean, I never got anything from them in writing except an email every two weeks asking if I wanted to pay interest only, pay down or pay off.

John, I am just curious, because I understand that they are apparently out of the country, but have a mail stop in Nevada and make loans all over the US, what are Nevada's regulations for payday loans and are they applicable to Cash Today? In Texas, I believe they are required to provide a contract showing the interests as well other T's & C's.

Thanks

[ben]

Tracy, does Cash Today means oral contract by that telephonic conversation? Just guessing

Yes, that is how they explained it to me. They said the contract was "oral". They asked me a series of questions and each time I had to say "I agree".

Tracy, same thing with me i had no papers just a phone recorded conversation saying i agree and their list of terms

I dont know why I didnt think of this before, but that may not be legal.

Regardless if they are not a US company, they are still operating in the US and they should be controlled by our laws. I mean, if they werent, then they could do whatever that wanted, thus making consumers vulnerable to abuse.

They apparently have a mail stop in Nevada, and the Nevada Attorney General says if they have employees located at that stop, then they fall under Nevada laws. Maybe we should bring this to Nevada's. I beleive they are investigating them and trying to find out who they are actually affiliated with here in the US.