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Posted: Wed Jan 23, 2008 8:20 am Subject:

What state are you in? If you had already OVERPAID them then I would say NO....

Posted: Wed Jan 23, 2008 8:27 am Subject:

Well one click cash has a cease and desist order for the state of nebraska...would they will have to pay them? Just curious.

ladybug

Posted: Wed Jan 23, 2008 8:28 am Subject:

Thank you for editing my post, i thought i had but i guess i missed somethings. Yes I have already overpaid them, but they say they will continue collection calls. I can send them a moneygram for 100 and be done w/ them forever. I am just so tired of fighting these damn companies. I can go into a moneygram agent pay 100 in cash and be done? WOuldnt that just be the easiest method. I am still fighting WEstbury Ventures/ The loan shop but i have had no response from them at all.

Oh i am in Louisiana. Rollovers are illegal and yet they say i should have "known" that...lol, Yeah well they should have "known" they were illegal.

Posted: Wed Jan 23, 2008 8:32 am Subject:

I personally wouldn't pay them another red cent. You have overpaid them...they are hoping people will still send them money...I had dealings with the loan shop/westbury ventures and I filed a complaint with the Kansas City Mo BBB bureau and the state of delaware bbb and the attorney general's office of my state and mo and delaware and I got a response from them with a pif. Hang in there and don't cave into them.

ladybug

Posted: Wed Jan 23, 2008 8:33 am Subject:

exactly....What state are we talking about?

Posted: Wed Jan 23, 2008 8:40 am Subject:

I am in Louisiana.

Posted: Wed Jan 23, 2008 8:46 am Subject:

I would definately not pay a dime more. Rollovers are not permitted..I would be done with them. To bad for One Click Cash.

Posted: Wed Jan 23, 2008 8:49 am Subject:

You should take it into consideration . . . . Frankly, when I was going through my pdl mess, if I had extra money I could have paid them to get off my back I would have. $100 is not a ton of money. Yes, it's more then you legally owe, but you have to consider the amount of time and effort it will take you to clear up the loan. What is that time worth to you? It may be worth it to pay them the $100 and be done with them.

Posted: Wed Jan 23, 2008 8:51 am Subject:

but they wont stop calling me at work, i dont care if they call my phone a million times at home, that doesnt bother me at all, i just want them to stop callign my work and they state they dont have too. THey are already illegal so they dont care. I just wonder if it would be easier to just pay off the 100 and be done w/ them. I got into the payday loan cycle when my husband was deployed b/c our money was so tight but that was in 2005 and i have stayed far away from them since. Is there a statue of limitations on pay day loans?

Posted: Wed Jan 23, 2008 8:59 am Subject:

That's what I'm saying, it may be worth it to pay the $100 and be done with them. That is something only you can decide . . . . . Either way is a good choice, you just have to choose what is best for you.

Posted: Wed Jan 23, 2008 9:12 am Subject:

If you can afford to pay them the 100 dollars then do it...just to be rid of them! Also make sure you have that agreement in writing and you get a PIF. If it doesn't bother you to fight for your rights then continue to fight on. However if you do agree to send the money the next time they called I would let them know when you will send it and to cease the phone calls or the deal is off.

Posted: Wed Jan 23, 2008 9:48 am Subject:

Well, I know it's a royal pain in the butt to deal with these pdl companies, and all the paper work, complaints and sleepless nights of fighting for your rights involved in doing so, but I look at it in a different way. You've overpaid this comapany, they've violated the law, and how many other people's complaints have they responded to with this same exact letter (basically)? Just think about 10 people (VERY low average of people as an example) overpaying them and settling for a $100.00 reduced offer, that's $1000.00 they did NOT deserve to get. Guess I am a fighter, and I would rather do everything within my power to make business difficult for these pdl companies, rather than cave in and get them off my back. I look at things from a wider spectrum rather then what will benefit me short term. I also consider the thousands of other people out there who are caught up in the same pdl vicious circle. It's totally your call, but if it were me, NO, I would fight, because that's just me. With all due respect to you and those who choose not to, this is just my opinion for what it's worth. Smile

Posted: Wed Jan 23, 2008 9:57 am Subject:

Many people have the fighter attitude like you shazzers - I'm just saying it's really a personal decision that you have to make for yourself if you want to fight it to the end or if you want to settle and be done sooner. There really isn't a right or wrong, it's what's best for this person in this situation.