After a discussion with my State Attorney General's Office (Colorado) I found out that United Cash Loans is operating ILLEGALLY as a lender, and their contracts are not worth the paper they are written on as UCL is licensed as a lender in NO state.
So, I put a Stop Payment on this lender through my bank, and have initiated Fraud claims with the state Attorney General and my bank.
I borrowed $500 in December, they have gouged me for $150 every other Friday ever since, and checking with them this morning, they want $360.00 to pay off the loan even with all the payments. They have scalped me for over $1,500.00 in ACH, but NO MORE.
ANYONE with UCL should contact their state Attorney General's office IMMEDIATELY, followed by a trip to the bank to file fraud charges on them (don't handle your bank by phone, go in there in person and speak to the branch manager).
Good luck, everyone, and let's see if we can enough damage to this one illegal lender that will be a lesson to the rest.