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Has anyone had in communication with Pentagroup Financial who is representing United Cash Loans?
I just has a AJ Linstrom just call me and tell me that if I don't pay the balance in 1 hour then he is going to submit his report to United Cash Loans for further action.

Can anyone tell me what he is talking about and if they are truly a CA?

HELP!!!!!

Posted: Thu Jun 08, 2006 12:11 pm Subject:

Never heard of them, how much have your overpaid UCL?

Posted: Thu Jun 08, 2006 12:13 pm Subject:

I have paid them at least $300. He told me that they won't make payment arrangements with me but if you go to their website, they have a way to make payments. Then I told him that I needed him to validate this debt and he told me No that I was required to pay the loan back in 30 days or else. I know this is crap because they took $90 out of my checking account for weeks. He was very rude!!!!

Posted: Thu Jun 08, 2006 12:22 pm Subject:

SHbear, Breathe honey! They are a CA. They can't do anything to you. Send a DV, CMRR, ASAP.

Posted: Thu Jun 08, 2006 12:25 pm Subject:

Pentagroup Financial's report will be baseless if they don't validate your debt in writing. They are bound by the federal laws to put in writing while attempting collections. You should have received it in your mail within 5 days after the first call. Send a debt validation request and cover your legal move. Send this letter through certified mail with return receipt requested for proof of your actions.

Also keep in touch with the United Cash Loans and see if you are allowed to make payments directly. If they accept it, you won't have to deal with the CA.

Posted: Thu Jun 08, 2006 12:25 pm Subject:

I agree breathe, what state do you live in? Check your usury laws and payday licensing laws in your state. Check out pollyandsay's blog and write them a letter and file complaints on them.

Posted: Thu Jun 08, 2006 12:26 pm Subject:

Pentagroup Financial, LLC State Licenses Where Required
State License Number
Alaska Exempt
Arizona CA0904918
Arkansas 2399
Colorado 988014
Connecticut 11079
Florida 325366
Hawaii COLAX-94
Idaho CFP3580
Illinois 017020606
Indiana 6633
Iowa Annual $10.00 filing fee
Maine 0609039
Maryland 3454
Massachusetts CA077
Michigan Exempt
Minnesota CA-20339477
Nebraska Exempt
Nevada Exempt
New Jersey 4217
New Mexico 00682
North Carolina 3748
North Dakota CA 100703
Oregon 48990
Tennessee 492
Texas Bond filing only
Utah 5154108-0131
Washington 602 219 226
West Virginia 720187
Wisconsin 518
Wyoming 226

Posted: Thu Jun 08, 2006 12:26 pm Subject:

Don't worry. Take a deep breathe and do as dcashwell3 suggested. United Cash Loans is nothing more than a joke. THey will do nothing to you. They have to send you an itemized statement of your account upon your request. They think they are above the law, in reality they are running and hiding from the law.

Posted: Thu Jun 08, 2006 12:33 pm Subject:

I live in Texas. This is the first call I have ever received from this CA. 2 months ago, 1st Credit of America sent me an email regarding UCL. Now these folks have it. No one wants to validate this debt that I have with UCL. I even sent letters to 1st Credit of America.

Posted: Thu Jun 08, 2006 1:46 pm Subject:

See if the collection agencies are reporting in your credit file. If they can't validate your debt, they must not hit your file negatively. Dispute the item with the bureaus with proof of your validation letters. They will run an investigation with the company and get the matter verified. Incorrect negative entries will be reported from your credit file in the next update.

Posted: Thu Jun 08, 2006 4:49 pm Subject:

Well, at least in Texas they can't garnish you! Don't worry, I agree with tammy, they are a joke.

Posted: Fri Jun 09, 2006 5:16 am Subject:

Good morning all....I received a phone call from some one at PentaGroup also....my phone broke up in the middle of the conversation and I lost reception. He then called back telling me to get a better phone before making any other calls. He then called my office while I was out and proceeded to go down the entire list of extensions that we have trying to find me. When I finally called them back, he hung up on me and said he was through with my games? Seriously!! Then I called and spoke to a different person, who was very pleasant, said that the previous gentleman had no right to talk or behave to me in that manor. He then faxed over a letter showing what I owed. He told me that they were just trying to get back to me before the pdl company tacked on all the interest/fee charges. I didn't even know what this loan was for. I have tried to call them back, but I haven't had any responses??

Posted: Fri Jun 09, 2006 9:34 am Subject:

Angel,
I would send a validation letter to them either via fax or mail. That way they have to respond via mail. What was the guys name that initially called you being rude? Was it AJ Linstrom? That's who called me and he just wouldn't even listen to my request about validating the debt or anything. I turned around and sent a validation letter. I won't play these games with these or any other CA folks who treat me like I am a criminal.

Posted: Fri Jun 09, 2006 10:01 am Subject:

Exactly, I don't blame you. I couldn't even tell you what his name was. I wrote it down on something and then must've thrown it away. I sent a validation letter, so we shall see!!

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