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#1
01-28-2009, 06:46 PM
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Looking to the group for wisdom and guidance :)
Hi, I'm new!
I've been reading a few of the posts on here and you guys and gals seem like a really helpful community. I was hoping for a little help with my PDL troubles. My PDLS: (All Net Based) One Click Cash Loan Amt: $200 I've paid: $445 Cash Transfer Centers Loan Amt: $600 I've paid: $2268 B.I.G. Loan Amt: $200 I've paid: $620 GFS Loan Amt: $200 I've paid: $325 United Cash Loans Loan Amt: $300 I've paid: $820 Payday One Loan Amt: $500 I've paid: $150 ACHLOAN.COM/PDLTRANS Loan Amt: $200 I've paid: $444 I live in Colorado I've recently been laid off, and none of these places will work with me. With the exception of Payday One, I've paid them all more than the original loan, in some cases MUCH more. Luckily, my bank closed my account for me when the balance was -$195. I've read some horror stories on here about wicked overdraft/NSF fees. Can anyone offer me any advice/direction? Thanks so much! Joe 
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#2
01-28-2009, 07:22 PM
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I am sure there are experts out there better then me but from what I have been reading it seems that you have met your obligation to all of them except payday one. I would pay them the rest of the orignal loan and forget the rest. This is why I don't feel bad when people get smart early and don't pay these illegal companies back. Look at how much they have taken from you that they don't deserve. I have one that called me today and they accused me of contributing to the bad economy. Seems like they are taking advantage of us who are struggling.
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#3
01-28-2009, 07:32 PM
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Joe, all of your lenders are unlicensed to lend to Colorado residents except PaydayOne. You have more than paid them off! I am going to post some info for you regarding illegal/unlicensed lenders, you can only stop the withdrawals one way, and that is to close out your account, unfortunately. The problem with blocking them is they tend to change their names often and debit under different names, therefore it just isn't reasonable to do that. I will post addresses and contact numbers for your illegal lenders shortly. Good luck!
I hope the information below will help you.  You are only obligated to pay back the principal amount you borrowed from an unlicensed/illegal Internet Payday Lender. Quote:
__________________
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates! Online Complaints Ohio Attorney General Online complaints: Federal Trade Commission. Ohio Payday Loan Laws CLICK HERE to find a Creditor
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#4
01-28-2009, 07:33 PM
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By the way, if you CLICK HERE you can locate your pdl lender laws.
__________________
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates! Online Complaints Ohio Attorney General Online complaints: Federal Trade Commission. Ohio Payday Loan Laws CLICK HERE to find a Creditor
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#5
01-28-2009, 07:38 PM
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OneClickCash
CustomerService(at)oneclickcash.com compliancedepartment(at)oneclickcash.com FinalCollections(at)oneclickcash.com 1-800-825-0441 One Click Cash, are unlicensed/illegal to lend in any state in the US. One Click Cash 52946 Highway 12 Suite 3 Niobrara, NE 68760 Fax 1-800-803-9136 Ph: 1-800-349-9418 compliancedepartment(at)oneclickcash.com Cash transfer Center is illegal and based in Canada and Malta. Cash Transfer Centers Email: customercare(at)cashtransfercenters.com Fax: 866-809-4069 Level 8 Suite 3 Plaza Commercial Center Bisazza Street Sliema SLM15, Malta phone: 1-866-958-3278 fax: 1-866-809-4069 B I G Payday 1005 Terminal Way STE 102 Reno, NV 89502-2179 Telephone: (877) 282-5450 Fax: (877) 762-7350 big-int.com Global financial services - Unlicensed 1005 treminal way suite 110 Reno nv, 89502 There phone number is 1-877-280-3359 Fax number is 1-877-280-2330 United Cash Loans 3531 P Street NW Miami, OK 74355 Telephone:800-230-9480 gphillips at unitedcashloans.com United Cash Loans are part of MNE and are not licensed anywhere. ACHloan doesn't have an address in the states that I am aware of, the one I dealt with was located in Ireland, they will try to give you a song & dance about how you signed an agreement and are obligated to the laws of Ireland which is a bunch og phooey! __________________
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates! Online Complaints Ohio Attorney General Online complaints: Federal Trade Commission. Ohio Payday Loan Laws CLICK HERE to find a Creditor
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#8
03-04-2009, 12:09 PM
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ACH LOAN
Hello! I really need some help! I have been receiving calls from ACH Loan from a California phone number 213-555-5555 that is California's directory assistance. They have been taking $48.00 every week since August and I have already put stop payments on my bank account and the loan was for only $200.00. ACH has been told that I have filed something with the attorney general and the federal attorney general and they still will not stop. I live in Ohio
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#10
03-04-2009, 12:54 PM
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I have gone to their website and told them that I have paid them in full for a $200.00 loan I have paid them $1544.00. I have reported them to the Federal Trade Commission that is world wide and now they are calling my home also and keep adding a larger amount to what i owe them
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#12
03-09-2009, 01:08 PM
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I would just ignore them. That is really all you can do besides reporting them.
They can't do anything to you and their illegal collection practices prove they can't. Threats and harrassment are illegal but they don't follow the rules. __________________
To infinity, and beyond
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#15
03-09-2009, 02:39 PM
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One piece of advice I can offer is to get caller ID. I am not sure what it costs there but it is $10 a month here and so far has been well worth it.
Now my family and friends do not have to wait for the answer machine to pick up before I will answer the phone and I can weed out the calls when I don't know the number or that comes up as unlisted/blocked. __________________
To infinity, and beyond
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