good thing b.k, these people need to learn a lesson, they are so rude and care nothing about us

[roxette]

Distraught,

If you are not able to get any track of the debits from SMJ Marketing with unauthorized debits, you might need to put a stop payment on that account. This will save the money from getting debited. You might be charged a fee for it but it will be save your money from going into the wrong hands.

You can open a new account unknown to these people and keep your deposits in that account.

Regards
Roxette

i had recently had a cash advance with them....as of yet i havent been harrassed and am terrified about the horror stories,i havent gotten them paid yet,i have been paying the extensions,due to financial hardship,i recieved a loan from them,wow,what stories!!

[4u.bryan]

redsunshine,

Don't roll the loan over and over. Payday loans are good if paid off within a week time. Try to get it paid ASAP.

You can practice some budgeting techniques so that the loans are paid smartly in spite of your financial hardship.

To all who are having issues with Cash Today Limited. Here is the thing:

1) In the loan agreement, you agree that you are not intending to file for bankruptcy. You also agree to let them contact your employer if you fail to repay the loan. And they record this stuff too, so you are kinda trapped there.

2) Cash Today Limited is actually based in the United Kingdom and as a result, you are subject to British law as opposed to the Fair Debt Collections Practices Act here in the US (feels like colonial days, doesn't it).

I have had to take out a payday loan with them before once. If you pay it back, they are fine. From what I understand, the issues are with those who DO NOT repay their debts, and there in lies the problem.

While they do have a call center in the US (Nevada I believe it is), I do not believe they would be subject to debt collection regulations that are codified in the US.

I applied for a loan with them yesterday.
They told me in 24 hours, the money will be deposited.
No money and when I call the number, the only department that is available is sales.
What do I do?
Did they just get my info to do some fraudulent shit or what?

Gemini kristi
They always say 24 hours but more than likely it will be a couple of days, but it is not worth it becuase you will be spending more than 24 hours or days to clear the debt with these people. It is a scam!!!

[roxette]

Gemini,

My advice will be to step back from doing business with this company. Lots of complaints have been posted in this forum and they have also been doing unauthorized debits in the accounts. It will be a risky decision if you ignore the warnings.

Regards
Roxette

I almost went all the way through with them. But, for some reason I seen this email and it changed my mind. Thanks alot.

Well, how can I back out of it? I keep on calling them, but the only dept that I can talk to is Sales, and they are very rude and they always hang up on me if I begin to aggravate them. How do I cancel it? Help please. If you can help me, please. Thanks!!



[email removed as per forum rules-Vikas]

[ben]

You can send a letter subjecting cancellation of loan to the mailing address given below. Be sure to send your letter through certified mail with return receipt requested. You will be able to know when they received your mail and also prove that you have already informed them before the loan gets approved.

Cash Today Limited
1005 Terminal Way Ste. 110
Reno, NV 89502

From what i heard someone has been telling someone at cash today limited about this site and supposedly the manager had been informed and commented on people coming to this site regarding their debt issues

[ben]

We welcome people from Cash Today

[shopaholic5]

wow...those are some HORROW stories. I can't believe they would call your supervisors. That has to be illegal. I would sue. Threatening to get you fired from your job. Call a lawyer!! Call the police!! That just disgusts me.

has anyone ever mailed payments in. the reason i asked is because i believe that cash today and ics are in connection with each other. today at work i had a phone call from nigel then an hour later from a lady named olivia. after work i returned the call to 1-800-670-4075 ext. 5126 and asked to speak with nigel, the man the answered asked for my information because ext. 5126 was gone for the evening. i have him my ss# and he told me that they would take it out of my account. because of the several payday loans i have out i have lost my account to nsf's and told him i wanted to make good on this and do a w.u quick collect or a money gram. he said "no no no, no money orders or w.u or money gram need bank account. is this true, has anyone else set up payment plans with cash today. i have one also with ics and when paying them you send a m.order to wilmington deleware. if cash today has a reno nevada address how can they not money orders. anyone have any advice.

[roxette]

Hi debbiec

Welcome to the forums.

It is advised not to take any loan from Cash Today because a lot of people have been scammed by this company. ICS and Cash Today may be having a conjunction with each other and they are in violation of many federal laws stated in the fdcpa act.

Read this forum before you end up with a business deal with them and perhaps, regret later.

Regards
Roxette