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OK, I've heard all the stories about how they harrass and threaten people, co-workers, bosses, relatives, etc. They are offshore and totally illegal. They give out no address, refuse to take payments by mail or wire, no paydowns/partial pays. They have a call center in the UK/London but seem to be based in India. This has all been well established in countless stories in this forum and on the internet.

My question is to the people who dealt with them and are now free of them/got rid of them, what did you do? Or are you EVER REALLY FREE FROM THEM once they have your information? Did you close the account? Did that make them call more? Did they eventually just stop calling you? Were you worried you were going to get fired for the disruption at work. If you paid them off and never re-loaned with them, did they ever try to take money out of your account after that under B.I.G. or another name?

I'd really like to hear your storeis if anyone has been successful. IMO, this is the MOST EVIL of ALL the PDL's out there. The storis I've read are just horrendous. I've had loans with them over the years but never really got harassed because I always paid them. I'm not sure I want to find out what will happen at work if I do a hard block request on them. Of the eight PDL's I have left, this is the only one that REALLY, REALLY WORRIES ME. Rolling Eyes

(the other seven are 1. storefront with Cash & Go (legal), made arrangements. 2. Payday One (legal)-made arrangements 3. CashNetUSA (legal)- made arrangements 4. Ipmpact Cash 5. Total lending 6. United Cash Loans (I've probably heard more stories about them other than B.I.G.) 7. Eastside Lenders. The first three are legal and I've made arrangements to pay them off. The last four are not legal and I've filed/am filing complaints and await resolution. I did get a refund from AIP and I was all worried about them.

But B.I.G. is the only one that I really worry about getting me in trouble at work. They have the name of a co-worker who sits next to me and my boss. They are known to call several times per hour until you finally pay them.

If they were just calling me at home, I would never give in to them - and would slug it out with them to the finish. If they were just calling and asking for me at work, I have the operator put all my outside calls through to voice mail (and even that is a real time waster when you've got to go in and listen to long, threatining messages). But when they ask for my bosses and co-workers, and casue chaos at my place of employment and humiliate me, that is what really worries me. I could get fired or lose any credibility I have in the eyes of my employer/colleagues.

Even cashcall agrees not to call me at work - ever. But B.I.G. and it's aliases is the one that keeps me awake at night (like right now).

I would love to hear some B.I.G. SUCCESS stories, or what NOT to do when dealing with them.

By the grace of God I found this wonderful website. I would have been in serious trouble (evicted) had I not come across it a couple weeks ago and stopped my direct deposit and closed that account. I don't want to think where I would be right now had I not found this place.

Posted: Sat Apr 12, 2008 6:47 am Subject: reply

the only advice i have is to search in the bar for B.I.G that should have contact info.when they call your work file a police report for harrasment.if you can don't answer at home.if you paid even 1 cent over your loan you are done.they will call you endlessly,if they think they can get to you.i wish there was something more i could tell you,but they think because they are in the UK they can do whatever they want.so to summarize,file police reports at work and don't talk to them at home.

Posted: Sat Apr 12, 2008 6:55 am Subject:

Goldhelmet - great topic!

I personally dealt with Rt. 66 Funding over 2 years ago. I took out the typical $200 loan, and then couldn't get them to answer the phone when I wanted to pay it off, and they wouldn't respond to e-mails. The only contact I got from them was the weekly "bot" e-mail that said "your payment is due, if you want to renew, do nothing, and we'll withdraw the renewal fee of $60 from your bank account. If you wish to pay off your loan call us at....". But the phone number went to an answering machine every time, and messages were never returned if I left them.

After paying them $180, I found this site, because by that time, I had a couple of other payday loans as well, and was sinking fast. I discovered that Rt. 66 was operating illegally regarding lending into my state, and went to battle with them over that fact. I closed my bank account, effectively stopping their debits and their access to my money. I told them according to my state, they were not licensed to do business here, and that I would pay them the $20 owed on the principal of the loan, plus the $15 interest - but nothing more. They demanded over $400 at that time. They said that I was responsible for THEIR fees related to my closed bank account and that I was a terrible person for not paying my debt. I stuck to my guns, and after a few nasty phone calls, they stopped completely.

Until 2 years later.

Rt. 66 called my workplace earlier this year, claiming that I never paid my loan off, and that I now owed them $4,000 - on a $200 loan. RIIIIIGHT.

Fortunately, I have a very supportive supervisor and human resources director - and they stood behind me. We went to the human resources director's office, and she personally placed a phone call to Rt. 66. They immediately asked if this was (my name) - meaning they were monitoring the phone numbers and knew it was me calling. My human resources director promptly ripped this guy a new one - she tore him up one side and down the other, verbally. He tried to outshout her, was very rude, demanded that SHE pay my "debt" to them, and that their legal team would be at our door. In the end, he called our switchboard multiple times that day - every 5 minutes for over 4 hours - until he finally gave up and moved on to the next poor sap who was unlucky enough to run across their company and borrow from them.

A success story? Maybe - they don't call anymore, so that's a success, I guess. But these people are scum sucking bottom feeders - and I wouldn't put it past them to show up after several years again.

Goldhelmet - a word of advice. Don't let this company worry you. They are operating illegally and they know it, regardless of what they say. They tried to tell me that because they are licensed in Nevada, they are licensed to lend into every state. That's bullcrap, pure and simple. They have to abide by the laws of the state they lend into. And I highly doubt that they actually are licensed anywhere - even Nevada.

Posted: Sun Apr 13, 2008 11:38 am Subject:

No more "success" stories with these crooks than this? Shocked

Posted: Sun Apr 13, 2008 12:08 pm Subject:

goldhelmet -

I think the problem is that it's very difficult to call it a success story when the company never leaves you alone, and uses illegal collection tactics. Most people never get a "paid in full" from this company - they simply succeed in getting them to go away for a while.

Posted: Sun Apr 13, 2008 12:48 pm Subject:

What I meant was that getting them to go away would be considered a success. So these people follow you around indefinitely.. - even if you pay them?

Posted: Sun Apr 13, 2008 12:52 pm Subject:

I don't know that for certain, goldhelmet - I just know what I experienced with them, and what others here have experienced.

In a perfect world, they would vanish when you pay them off. The problem is that according to "THEM", you're never paid off, even if you pay the loan in full. They'll find some way to come back and say there was some missed payment or hidden charge you didn't pay, and demand more money.

Posted: Sun Apr 13, 2008 12:57 pm Subject:

I say this is a job for Chris Hansen at Dateline NBC. He's the guy who does those investigative reports and I've seen shows where they literally follow a scammer's trail all the way around the globe until they find the culprits - and then expose them on primetime national TV. I'm completely serious. I am going to write to them about this company and I would encourage others here to do so about their experiences. They really do read the complaints and this seems like this one has all the elements for a very interesting " international mystery" that could be unraveled with their resources on national television.

Posted: Sun Apr 13, 2008 1:39 pm Subject:

gold, these yahoos are just that - yahoos. However, as you and suebee have been discussing, they WILL call the hell out of you. After overpaying my loan, I closed my bank account and started the fight. I refused to speak to them except for one time. And that was a mistake. Talk about pissing me off! I'm not going to sit at work and argue with some illegal moron for 15 minutes. So, what worked for me was (and it may/may not be an option for you) to tell them when they called my place of employment - "They no longer work here." They called a couple more times (I guess checking???) and I told them the same damn thing "They no longer work here." So the phone calls to work stopped. Then my cell was hit hard every few minutes for days, so I changed my cell phone number. Done. No more calls from the yahoos anymore. That's what I had to do to get rid of the calls. I filed complaints with everyone under the sun and, of course, the pdl never responded to one complaint. Go figure. So.... at least it's on file though. But, one point to make here, be SURE to file with the FTC against these guys. That's an important one to file with regarding them.

Posted: Sun Apr 13, 2008 2:11 pm Subject:

I, for one, would love to see a major network news story on these illegal pdl companies. Twisted Evil

Beverly · Posted: Sat May 17, 2008 10:11 am Subject: GFS

Anyone out there hear of GFS payday loans?

Posted: Sat May 17, 2008 10:24 am Subject:

Beverly - I believe GFS is part of Rt. 66 Funding/B.I.G. - they go by many names.

Do you have questions about them?

Posted: Sat May 17, 2008 8:58 pm Subject:

I also think that Cash Today is related to them in some way. They all have maildrops on Terminal Way in Reno and I'm sure all have a Heathmill connection in Britain.

Posted: Sun May 18, 2008 1:40 am Subject:

I wonder if anyone has attempted finding out who processes their transactions. I don't think it would hurt to try that route. The fact that this company has so many illegal tactics against them would be a good reason why a processing company would be encouraged to stop doing business with them. Someone has to process these transactions, and if it were me, I would most definitely try to obtain that information and contact the processor and inform them.

Posted: Sun May 18, 2008 6:47 am Subject:

Your bank has access to that information. They may give it to you for the asking, or you might have to strong-arm it out of them. Talk to your branch manager.There are quite likely more than one company involved, as this would be an international transaction. Still, these can be traced back up the chain, just like an email.

Posted: Mon May 19, 2008 12:31 pm Subject:

You know it seems like a lot of people haven't heard anything from these people in years (myself included) and then have the past coupld of weeks...any idea why all of a sudden they'd start calling people?

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