Pmburk: Send your complaint to the Nevada Attorney General. They are investigating Cash Today for numerous of complaints and hopefully will determine if they fall under Nevada's laws. Cash Today claims to be a non-US company and are not required to operatate under our laws, but they operating in the US and are abusing and harassing consumers. There must be something to do to stop them.

I can beleive the BBB is dismissing the complaint based on what Cash Today said. I mean, if they told the BBB that they can do whatever they want, dont ya think the BBB would have a problem with that.

My bad...I CANT (not can) believe the BBB is dismissing.....typo.

If anyone is a resident of New York, Texas and Georgia and has an open payday loan you can contact the company to stop collecting this debt because it is illegal in these states. I recently let one company know and they refunded me $470.

LadyStylz,
How do you go about doing that? I live in Texas.

[ben]

Check out from the Trade Unions if a particular company is licensed to collect debt in the following states. If they are not, you can send a letter asking for a refund. Hopefully, this might be the natural process. Isn't it, LadyStylz?

Ben, Where can I check out this information? What is Trade Unions?

[ben]

Shbear,

Trade Unions are those associations which list all the business enterprises operating in your state. You can also take the necessary information from the consumer protection office in your state.

I am in Texas as well. Can you please explain this further, or maybe start another thread on this?

Check with your state's Attorney General's Office. I know this about Georgia and Texas because the customer service rep at the payday loan compan told me. She said they are award of TX and GA but weren't aware of the law in NY...expect your refund in the morning and there it was.

consumeraffairs.com/news04/2005/ny_payday_case.html
You can also visit this site for the full story

[Link made inactive as per forum rules. Please copy and paste the address in your browser.-Vikas]

[ben]

Since LadyStylz has in fact got the refund, I am just assuming that this might be the process.

LadyStylz, can you please explain the process if I went wrong in the explanation.

LadyStylz
is there anything i can look at to find out about whether cash today is legally collecting debt in my state which is georgia?

i actually looked on the attorney general site for georgia and it did say that payday loans are illegal and also stated that even internet payday loans are illegal for georgia. i went the the www.bbb.org and filed a complaint since it did not work with nevada, they have a link you can complain for uk now, so please file a complaint on that site and click on united kingdom

LadyStylz,
Was that customer service rep someone who worked for Cash Tody? If I called up Cash Today and told them that they can't legally collect this debt, what will they do? Will I get a refund of the money I have paid? Do I need to call my AG's office to get them involved?

[ben]

Shbear, did you get the receipt after you paid the debt? Ask them to update your account as 'paid' in your credit report. After some days, pull your credit report online and check whether the account has been updated. If it has been done, the whole process will be complete.

Asking for refund comes later if your account is not shown as paid by the company. If it has been done so far, then you won't have to worry anymore.

Hmm.. I just recently took out a loan with them... and I'm really glad I looked here because I was wondering what that mysterious phone number was... At least I have a heads up now.