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SHbear · Posted: Thu Feb 16, 2006 3:16 pm Subject: OneClickCash

I just received a very rude phone from a man saying he was representing OneClickCash. He wouldn't tell me his name. He kept interrupting me telling me that they deposited the money in my account and that is my validation of the debt. I told him No it's not and I want a statement. He then told me to look at my bank statement of the deposit because that would all the statement I would be getting. I finally said that since he wouldn't let me talk or discuss this matter calmly, that I was hanging up.

This is the 3rd different person who has called me from OneClickCash....the first two wouldn't validate the debt for me and told me that One Click was going to pursue me legally, then hung up.

Anyone dealt with OneClickCash and who is the CA representing them so I can send a validation letter to them.

Posted: Thu Feb 16, 2006 4:16 pm Subject:

Do you have copies of the previous validation letters sent? This will be an important proof from your side to resolve this account. Under the federal laws, the collectors are required to explain the accounts with the following details. They are mentioned in the page below:

http://www.debtconsolidationcare.com/validation.html

If your state allows recording of the phone calls, you can prove the illegal collection techniques used by this collector. Check the attorney general's office for information regarding this matter.

You can send the copies of these letters to the credit bureau and explain their failure to validate the debt. They will conduct an investigation from their side and give you the results. Hopefully, you will get some information about your accounts using this way.

twizted_pain111 · Posted: Tue Feb 28, 2006 6:24 pm Subject: one click cash nightmare

i took out a loan with this company and recently i noticed they have taken almost triple out of my account . I tried contacting them to settle this but i just cant find a phone number or any way to contact them, anyone can help ?

Email deleted as per forum rules-Denny

Posted: Wed Mar 01, 2006 11:05 am Subject:

twizted_pain111,

You can visit this thread to get the contact information of One Click Cash-

http://www.debtconsolidationcare.com/forums/instant-cash.html

tiffy · Posted: Thu Mar 02, 2006 2:58 pm Subject: 1-800-201-4603

If any one has recieved a call from Don Freedman stating he was with the compliance bureau of Wyoming and threating you and asking to speak with your Attorney he is with Interstate Compliance call the Federal Trade Commision at 877-382-4357 and file a complaint for this man has broken the fdcpa

twisted_pain111 · Posted: Sat Mar 04, 2006 4:17 pm Subject: question

i tried calling one click cash...they said that the reason why they keep charging me 90 dollars was because i had to call after my loan and say i wanted to pay the full amount and if i didnt...i have to pay 90 every of my paychecks. does this sound right?..even though they have taken out around 800 dollars instead of the 390 that was stated?

Posted: Sat Mar 04, 2006 4:31 pm Subject:

You have to check your loan documents carefully. Thought it seems very deceptive what they told you, I'm afraid it might be true. The prevailing rules of payday loan industry are really hard to believe. However, once you have signed the agreement, chances are they will come behind you.

Inquire how to cancel the agreement and get out of it. Contact Consumer Protection Office of your state if you find any difficulties. Keep us posted.

Posted: Sat Mar 04, 2006 10:36 pm Subject:

Most of these payday lenders will auto renew your loan and just take the fee from your checking account for so many weeks,but then they begin to take out some of the principal(usually $50) plus the fee after 3 or 4 paydays.You have to notify them if you want the total loan paid off or more than the standard $50 in principal taken each payday .I had one loan that was $300 plus $90 for fees,this is how it worked.
Payday 1 Debit $90 Loan renewed (Principal still $300
Payday 2 Debit $90 Loan renewed "
Payday 3 Debit $90 Loan renewed "
Payday 4 Debit $140 Loan renewed (principal now $240)
Payday 5 Debit $110 Loan renewed (principal now $190)
Payday 6 Debit $110 Loan renewed (principal now $140)
Payday 7 Debit $90 Loan renewed (principal now $90)
Payday 8 Debit $80 Loan renewed (principal now $40)
Payday 9 Debit $70 Loan paid off
As you can see I paid almost $900 for a $300 loan.And it took almost 5 months to pay it off.This is what happens if you do nothing,and they just keep renewing,and only take a small amount of principal after the 3 renewals.The fees will keep getting added on,and will get lower as you are renewing a smaller amount.I will never get another payday loan as long as I live,they only make a bad situation worst. Evil or Very Mad

Posted: Sun Mar 05, 2006 5:54 am Subject:

Twokid,

I remember paying those rollover fees. I think of all the money wasted on these types of loans and sometimes I get really frustrated with myself. I will never take out another payday loan myself. It's a quick fix but causes more problems then it's worth. I hope others learn from our mistakes and stay away from payday loans, especially online ones.

mcmahon · Posted: Fri Mar 10, 2006 1:26 pm Subject: oneclickcash

I am a lawyer representing a client who has a dispute wiht OneClickCash. Any information you may have about its operation and collection methods would be helpful. Also, has anyone ever found money in their checking account that they allegedly did not request from any pay day lender? Thanks.

Email deleted as per forum rules-Denny

jen73 · Posted: Sat Jul 29, 2006 1:21 pm Subject: oneclickcash

I closed my bank account 0n 7/9/06 and guess what I faxed oneclick cash a fax stating that I had already paid back the loan plus extra and to close my account with themnand mark it paid in full. Well I just recieved an email from them stating that I don't owe them any more money and my account has been closed. I just can't use their comkpanies anymore. Oh how sad!

Michael Hurd · Posted: Wed Aug 09, 2006 11:09 am Subject: Unsolicited loan

One day several months after I tried to get a quick loan of 1500.00 toi purchase a home for my daughter because she was desperate and after receiving noothing but NO INeligible Bad Credit etc. I found a $300.00 dollar deposit in my bank account, since I was in a negatie balance situation at the time of corse the bank applied the money to my negative balance. I decided that I would just pay off the $300.00 dollars immediately but have been unable to contac this company. I never solicited them to my knowledge unless they have more that one company name and I was unaware of it. This company has now hit my account for $181.00 toward the $300.00 I want to pay this off NOW Help me to stop this madness.

Posted: Wed Aug 09, 2006 5:03 pm Subject:

Michael, as you have already used the loan, the company will prove that you have an unpaid account with them. The only way to resolve the matter is to contact and fix some payment arrangements. Talk to a debt counselor also because this helps to a great extent. I myself, am going through the same situation and this can be my advice for you too.

Posted: Wed Aug 09, 2006 6:31 pm Subject:

You were unapproved for the 1500 dollar loan however chances are if you read very very carefully when you start clicking buttons you agree to take a loan of what they approve you for. I got stuck with that once. Check your email spam and read because they probably sent you a no0tice that you discarded as spam because when you start to look into payday loans you get spammed.

Louie · Posted: Thu Aug 10, 2006 2:33 pm Subject: OneClickCash

I am so stupid.....I just signed up to receive a cash advance from OneClickCash and stupid, stupid, me. I have not gotten my password or any confirmation from them about my account - I check with the online BBB to check them out and did not see anything derogitory about them so consequently I went ahead and completed the application. I got suspicious and did a Google Search of the name and found all kinds of problems with this company. I don't know what to do now! I have not received the money as of yet, however it has only been about an hour, but when I read the comments above, I got freaked out! What should I do from here?

Louie · Posted: Thu Aug 10, 2006 3:01 pm Subject: OneClickCash

Hey, I just received the "Confirmation" E-mail to complete the application...."NOT!" but, I do have an 10800 number for you guys that got ripped-off from this "company" - AcesCashLoan Customer Service
1-800-214-8605
customersupport@ acescashloan.com
No Credit Checks. Nothing to Fax. EZ Application. By the looks of it - they go by AcesCashLoan - oh well - I am keeping this e-mail for future reference. I hope this puts and end to my dealings with this company.

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