Is United Cash Loans not licensed to lend?

They are unlicensed in Oklahoma, Nevada and in just about all states. They don't answer emails or faxes until someone like consumer protection or AG offices gets involved. They send the same letter for each response. It is like they have photo copies sitting around and just slap them into an envelope and when they need to send one, they drop it in the mail. According to the BBB site United Cash Loans is no longer accepting mail at the Carson City Address.

So if they aren't accepting mail and the OK address is fake why should we pay them anymore. I'm going to try to fax them this week and see what happens. This place is a scam and we need to fight back.

Sue,

I went into ripoff report and did a search on loans and they are scamming people right and left. They have as many complaints on there as Sonic does.

I have paid United Cash loans I know over $1000 for a $500 loan. I haven;t heard a word from them since I put a stop payment on my account and I don't know if they accepted T&C proposal. Should I be worried that I haven't hear from United? I am sending them a letter this week stating my loan should be paid in full with as much as they wirhdrew from my account. Count me in if you guys are going to pursue United.

Go ahead and send them a letter showing how much you have paid them and state in the letter about them not being licensed in your state, Nevada or Oklahoma. Also, include whom you have filed complaints with against them.

Thanks. I am working on the letter at home. Have the Virginia laws in the letter. I need to set down again with my bank statement and figure out the payments United took out.

Count me in also. These people are something else. You know, I don't even know how I ended up with a loan from them. At the time I got it I wasn't even looking for anymore loans..they sent me an email telling me they approved me for $200 and the money was in the bank the next day. I should've sent it back, but I was in the middle of payday loan hell then, and the money was welcome. I'm sure they got my info from another lender. This stuff really gets scary. I'm all for taking them down.

I know they have responded to some people but they have not responded to me yet. I'm sending them one final e-mail tonight to state that I'm going to file complaints against them and see where that goes.

I just sent off the e-mail, I will fax them again tomorrow. That is going to be it and then it's time to file complaints. I will have to check out the ripoffreport site again. Great, we have another Sonic on our hands? Not good.

Well, I received another collection letter from United Cash Loans. I am going to send off a round of complaints against them next week. I am tired of dealing with these idiots since they can't respond to any correspondence I have sent to them. I have overpaid them too and now I want some of my money back.

I had gotten an email from 500Fast Cash and US Fast Cash saying my account is paid in full zero balance and do not loan status. I am surprised ( didm't get one from United. Sue I pmd you my email address yesterday. Could you email me the letters you sent out? I have Quick Payday with T&C and they want $100.00 a month for 6 months the amount I owe them and I had paid them $300 before I put stop payment and a freeze on my account. I also have Worldwide Cash, AIP, National Cash with T&C. Thanks for everybody's help!! Polly I was going to use your letter but it is very long - will those pdls read all of that? Here is a letter I wrote:

It has come to my attention that your company is not licensed in the Commonwealth of Virginia, (A licensed Virginia Lawyer check on this) A Virginia license is required to all payday lenders loaning to Virginia residents regardless of the location of the business. As such, I was not legally permitted to enter into the loan contract with you, and based on advice of counsel and an opinion from the Florida Attorney General's office, our contract is not valid. Therefore, i am immediately and permanently revoking my authorization for you to debit my accounts.

Additionally, I am requesting that you immediately place me in a do not loan status and mark my account paid in full/zero balance due to the fact that our contract is illegal in the Commonwealth of Virginia.

I expect your affirmative response within 24 hours of receipt of this email or I will request the assistance of the State of Virginia in seeking injunctive relief from the contract.

Oh2benc...nice letter, but the part about the attorney general's office should say, "Virginia Attorney General's Office"
LOL...that's ok..that migh light a fire under them anyway!

United Cash Loans charges 651.79% on $300.00 loans. They have forgiven the loan and now saying we still owe $220.00. How in the world do they figure this. From the way I see it, they owe me and alot of other people some money.

Tammy, they forgave your loan and are now stating you owe them again? Geez. I would keep fighting them.

Thanks erzeke1, I'll change to that and send it out maybe it will work.

Yep they forgave it in writing in the response to the Attorney General. Now they are stating that we still owe $220.00 and I refuse to pay them. They have enough of our money.