[Rhonda28]

Are you currently in default with them? I havent gone through Cash Today Limited but I went through a couple of others that are affiliated with them and told them not to call me at my place of employment. Ever since then I havent received phone calls. I just cant wait to actually pay all of them off!!!!

Yes, I am in default. The loan was from June for $200. Now they are saying I owe something like $900! I am not at my office today so who knows if they will call up there and harass my coworkers or not. I am at home so if they call me here, I am going to instruct them not to call me at my office and only to speak to my attorney. We'll see how it works out.

A supervisor tonigot on the phone say i need to pay balance. i told them they debit my checking so much now its a negative and closed out. they couldnt understand says they will still debit my account. it took me 20 mintues to get mailing address.

[ben]

I heard that they have their corporate office in UK. Is it true?

Some info I found out the seem to also be liscensed under the name Leads global inc out of the same address as cash today. Anyone find a away to stop them? I had close to 100 calls in an hour from them

[roxette]

Calling 100 times in an hour is a serious crime and is violation of the Federal laws. You should consult your attorney regarding this matter.

I can't afford an attorney. I ask for proof they say no. They said they will keep calling me and my employer till i pay or get fired. And they call me and while I am talking to them they continue to call on call waiting at the same time. I called BBB, Nevada AG and they all say file a complaint and they will look into it. But in the meantime am I suppose to recieve 500 calls a day from them?

[roxette]

No, you should file complaints against cash today at the FTC, BBB and Nevada AG office.

You should inform the company that you are recording all the telephonic conversation and will be presenting it to your lawyer for legal proof.

Also, you can send a cease and desist letter through certified mail with 'return receipt requested' which will put a stop to further collection efforts.

Regards
Roxette

Yes they have an office in the UK. I know this because when they tried to debit my account, they told me that I would need to call my bank and inform them that the transaction was coming from London. So they were trying to debit me from London, NOT from Nevada. Also, every single person I have ever spoken with from CTL has a foreign accent so thick I can barely understand them.

I am getting phones calls at home and at work. They will call at work and my coworkers tell them I am not there and hang up. They turn right around and call again and it usually someone that you cannot understand there accent. How can I get the phone calls at work to stop?

[roxette]

Hi

Welcome to the forums. As per the fdcpa law, the collection agencies are not allowed to call you at work. They are violating the law by making constant calls. I will suggest you to face their call once and know the purpose of it.

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

You can send them a cease and desist letter through certified mail with return receipt requested. Also you can record all the telephonic conversation and present it to your lawyer for urgent action.

Regards
Roxette

i have had a payday loan with them since 5/6/05, i have paid the 79.00 extension fee every 2 weeks for 9 paydays. that is almost 720.00, i can't afford to pay them the total amount. is there a law that says how much they can charge you? i know it is my problem to pay them back, but that is to the extreme. help

[roxette]

Hi Lisa,

Welcome to the forums. You definitely have the cover of Fair Debt Collection Practices act which restricts any lender or collection agency to falsely represent your account.

debt validation is a legal weapon by which you can ask the debt collection agency to give you the complete details of your accounts.

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

After you send a written notice to them requesting to legally validate the debt, they will have to provide you with the following information:

• The details of the account.
  
• All the calculation should be shown of the amount that is owed.
  
• Any copies of the papers to be furnished that shows the payment agreement.
  
• Provide a verification or copy of any judgment if applicable
  
• The Statute of Limitation needs to be proven for the collection of the debt.
  
• Complete payment history showing the details of the creditors, payment history, amount of the debt, break up of fees/interest should be provided in paper.
  
• A copy of the original signed loan agreement between the debtor and the original creditor establishing the debt between both the parties also has to be produced.

Once they can prove the total amount with proper calculations, you are required to pay them after proper negotiations. If you find the calculation of your account disputed, you can request them to verify it.

Regards
Roxette

in need of money i asked for a loan from cash today. There emails are under cash2day4u. The loan was for 200.00 i received a call from them at 1st stating that the total amount of the load would be 259.00, not long afterward i received an email stating to click on the statement below to process the loan. when i applied i told them my pay dates were 8/26 and 9/2 i figued they would take the total amount due out on 8/26 but they only took out 59.00, then i just assumed the 200.00 would be taken out on 9/2. i have recieved 3 emails this week saying to click on this to process. But after that it shows if you don't contact us with in 3 days we assume you want an extension. i called them and asked them how much was owed and was told 259.00. i asked why and was told that the charge on 59.00 on 8/26 authorized and extension and from here on out if i click on that process bar they will deduct 59.00 until i call them and say i want to pay the loan in full. i replied back on the same email they sent me stating not to extend. they emailed me back that i could either pay 79.00 on 9/2 or 279.00 the full amount of the loan in full on 9/2

[Link made inactive as per forum rules-Mike]

[roxette]

Hi Sue,

First of all, I would like to know whether these actions taken by the company were mentioned in the terms and conditions of the agreement deed. If not, then you should consult your attorney.

Regards
Roxette

no these terms were not mentioned. The only thing that was mentioned was that the chrg would be 59.00, i have already taken action through my bank to put a stop on any charges that come through from this company. i am wanting to get there address, so i can send them the 200.00 i owe and leave it at that. Is the address of 1005 Terminal way suite 110 reno, nv there address. I called them after seeing this address in another message and was told by them they aer located in london, thats all the man would say.