United Cash Loans – lots of complaints, Beware!!!

[Discussion]

United Cash Loans is a loan company that provide cash advance services usually between paydays through its fast online application for up to $500.00 and delivers the cash within the next working day. To qualify for its loan service, one needs to have a regular source of income with $800 per month, have a checking account, must be a US citizen and has to be over 18 years of age.

Now, there are a lot of complaints against United Cash Loans. A few instances which indicate the extent they harass people are described below:

Some say that they get calls from telephone number 800-410-9275 and get a voicemail from a woman who says that she is calling from United Cash Loans and asks to call back at the same number by 5 PM on the same day to avoid further processing of loans, even though you have not applied for a loan.
Some say that they do not accept mails at their physical address. Moreover, they have an unsatisfactory record with BBB and they conduct illegal loan business in Nevada or Oklahoma, where they are not licensed to operate their business.
There are a few others who say that after denying loans, they deposited money in the checking account and they refuse to take it back. Later they call up and threaten to send to jail if you don't pay the money with interest as specified by them.
There are still others who complain that after taking a loan and repaying back the entire loan with interest, United Cash Loans is still drawing money out of the checking account (and has taken over 600$ on a loan of about 200$). In this way they are taking an overpayment.

If you have faced any such type of problem with United Cash Loans, you should immediately lodge a complaint with the FTC and the Attorney General's Office. Moreover, as in the third situation, if you have the documents which certify that your application has been denied and if you have the documents from the bank showing that they have deposited the money in your checking account; send those documents to the AG's office.

Alternatively you can also send a cease and desist letter to them if you find that they are continuously debiting your checking account even after full repayment of your loans.

If you want to contact United Cash Loans, you can get in touch with their toll free number 800-279-8511

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Posted: Tue Apr 25, 2006 7:05 am Post subject: United Cash Loans – lots of complaints, Beware!!!

I received a voicemail today from a woman named Kathleen Robinson with United Cash Loans at 800-410-9275. She stated that I needed to contact her today by 5pm to avoid further processing. When I called the number back, they answered United Cash Loans. Has anyone spoken with this woman and is she really calling from UCL or does she really work for a CA representing UCL? Please help!!!!!!!!!!!!

SHbear

Joined: 01 Mar 2006
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Posted: Tue Apr 25, 2006 7:14 am Post subject: United Cash Loans - different DBAs

I couldn't locate that number but United Cash Loans has the following DBA's. That company is located in Oklahoma and is also under Rio Resources. UnitedCashLoans Quickest-Payday-Loan.com Your-Approved-To-1000.com 1000 Payday Cash Emergency-Cash-Loans.com Found another one located in Nevada. You can look that up through the Better Business Bureau

truwoman31

Joined: 21 Apr 2006
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Posted: Tue Apr 25, 2006 7:20 am Post subject: Loan from United Cash Loans, need phone number to contact

The one I took out a loan from United Cash Loans was in Nevada. I am trying to info of phone numbers from anyone in this forum before I make the time to call her back today.

SHbear

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Posted: Tue Apr 25, 2006 7:37 am Post subject: Illegal activities by United Cash Loans. Phone numbers anyon

Shbear, United Cash Loans are conducting illegal activity. They are not licensed to lend in the state of Nevada or Oklahoma. They have committed alot of violations. This is a common threat with United Cash loans. Make them aware that you have knowledge of their non-licensure. What state do you live in? Do not let them intimidate you through phone calls and other tactics.

NotsoLucky
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Posted: Tue Apr 25, 2006 7:39 am Post subject: United Cash Loans, not a BBB member

This group, United Cash Loans, is not a member of the BBB. They are not accepting mail at their physical address, only by faxing or emailing the company. They have an unsatisfactory record with BBB. The phone number that is listed by the BBB is 800-354-0602 fax 888-570-9772

truwoman31

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Posted: Tue Apr 25, 2006 7:40 am Post subject: United Cash Loans phone number - licensed in TX or not?

Tammy, I live in Texas. Is United Cash Loans licensed in TX?

SHbear

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Posted: Tue Apr 25, 2006 7:45 am Post subject: United Cash Loans phone number, is it licensed anywhere?

I have yet to find a state that United Cash Loans are licensed in. Here are the laws of Texas. Source: http://www.consumerlaw.org/action_agenda/payday_loans/content/NCLC_SUM MARY.pdf You need to hit them with the famous letter.

NotsoLucky
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Posted: Tue Apr 25, 2006 7:48 am Post subject: united cash loans phone number harassment

These laws just basically tell me that a payday lender like United Cash Loans can loan money in Texas and charge fees at a certain amount. It doesn't tell me if they are licensed to do business in Texas. I have hit them with the validation letter 3 times and they are not paying attention.

SHbear

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Posted: Tue Apr 25, 2006 7:55 am Post subject:

Shbear go into this website and they have all the states business entity sites listed. wwwdotfreeprfdotcom/corporationsdothtml

NotsoLucky
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Posted: Tue Apr 25, 2006 8:49 am Post subject: united cash loans phone number

I have been trying to get rid of telmerica wwwcashnow and they are so rude. I found out they are not licensed in VA and so I called them and let them know that I already paid them $302 for a $200 loan and I want my loan considered paid in full. However, the person I speak to says they are licensed, etc. etc. She then lets me to speak to her supervisor who I go through the same conversation with and she says that I took out the loan illegally since they are not licensed in VA. I told her that no I have found out all this information since I took out the loan. Thank god for this site. I was transferred to the main boss who of course is not in and I had to leave a message. About 5 minutes later the first lady calls me back and says they are going to take the full amount of the loan on Friday. I said oh no you better not and when I mentioned being not licensed again she said lets not start that again. Anyway is there a letter I should send them or something that can revoke my authorization to debit my account. Please help as I am desperate.

ccgirl31

Joined: 21 Apr 2006
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Posted: Tue Apr 25, 2006 9:14 am Post subject: United Cash Loans

Contact your bank and let them know what is going on and put a stop on the debit. They are not going to admit if they are not licensed to lend and you are not the one who took the loan illgally, they are the guilty ones for issuing the loan to a state they are not licensed in.

NotsoLucky
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Posted: Tue Apr 25, 2006 9:29 am Post subject: Stop payment to United Cash Loans phone number

Yeah I finally got the bank to put stop payments on all 4 loans including United Cash Loans. They only made me pay for 1 so that was cool. I just hope that this stops it and then I can consolidate all my bills but I still haven't been contacted from this sight.

ccgirl31

Joined: 21 Apr 2006
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Posted: Tue Apr 25, 2006 10:33 am Post subject:

ccgirl31, usually, the consultant calls back within 24 hrs to 48 hrs. You will get a call from the consultant perhaps today or if not, you will get it definitely by tomorrow. Do let us know the outcome of the discussion you have with the counselor.

david
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david

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Posted: Fri Apr 28, 2006 7:20 am Post subject: Loans denied by United Cash Loans

I applied last year with United Cash Loans was denied..I never thought anymore about it...They deposited 200 in my account and I did not know this iam handicapped and told them how i could send it back and they said I couldnt. NOW today i got a call and they said they would have me thrown in jail if i did not pay back 240 today...I have no money.. to pay it back...

Leeba
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Posted: Fri Apr 28, 2006 7:32 am Post subject: Illegal business by United Cash Loans phone number

United Cash loans is conducting illegal business. They are not licensed to lend in the state of Nevada or Oklahoma. They have violated several laws. You will not be put in jail. You need to file a complaint with the Attorney General and Consumer Affairs in your state and the state of Nevada. Where they denied the loan then turned around and deposited the money in ny opinion, you do not owe them anything.

NotsoLucky
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Posted: Fri Apr 28, 2006 1:34 pm Post subject: Probable reason of denial of loan from United Cash Loans

Leeba To make your point stronger against United Cash Loans, the application date when you were denied must be earlier than the date on which the money was deposited in your account. You can use this record while sending your complaint to the AG's office. You must also inform your bank and explain the complete situation. If they get aware of this situation, they won't allow the company to debit money from your account.