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 Posted: Sat Mar 15, 2008 3:16 pm Subject: US Fash Cash - please help
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I posted a message regarding USFC and 500 Fast Cash. Basically, I took out a pdl from them and did not pay them back after they charged me for a "nsf fee," even though I had more than enough money in my account to cover it. I closed my bank account and told them I wasn't paying them anymore because they charged a bogus fee to me. Now, I received this email below. How can I get them off my back for good? I live in MA, where this company is illegal. I borrowed 300, paid back 180 and now I owe 555????
Here is the email:
Your account with US Fast Cash is in a final collection status. According to our records, your outstanding balance is $555.00. (If you have recently resolved this account over the phone, please disregard this message.)
The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step, but to do so you must take immediate action. Log on to our convenient website to take advantage of our "Extended Payments Plan".
As we have shared with you in previous letters, read your loan agreement; the next step is clearly defined. It could cost us both a great deal of time and money; you can avoid this by taking care of this now.
It is quick and easy:
Grab your credit/debit card and click on this link to log on to the website finalcollections (We also accept online checks)
Enter your account number and last 4 digits of your social security number.
Through a few simple steps you can verify your account information, and tell us what and when you can pay to settle this account.
When your offer is accepted, and you make the required payment(s) YOU WILL OWE NOTHING MORE ON THIS ACCOUNT.
Please log on now before your time expires. Should you have any questions concerning this account please feel free to contact us TOLL FREE at 1-800-370-6729.
Thanks for being our customer,
Collections Department US Fast Cash
_________________
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northshoreBA
Guest
Debtcc Points: 100
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Posted: Sat Mar 15, 2008 3:39 pm Subject:
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I like the part about extended payment plan...Extended payment is an understatement to say the least..You will pay and pay and pay and pay...
I also have a loan with USFC that went to default status. so i am sure i will receive this email shortly...[/quote]
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whiterock73
Joined: 10 Feb 2008
Posts: 373
Debtcc Points: 3527
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Posted: Sat Mar 15, 2008 4:31 pm Subject:
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Please ignor the guest's comment..they have been on here all day trying to cause trouble.
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whiterock73
Joined: 10 Feb 2008
Posts: 373
Debtcc Points: 3527
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Posted: Sat Mar 15, 2008 6:52 pm Subject:
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guest comment? Good bye guest comment! 
north, these guys are so full of it, it's amazing. Yeah, yeah, yeah.... it's in "final collection status". Ummm... and they're going to do what? An unlicensed/illegal pdl. Hmmmm.... are they going to take legal action against you? Nope. And it is amazing how they decide what your balance is. Just amazing. Hell, I overpaid the idiots and they still wanted a few hundred bucks from me to "consider it paid in full". Oh, okay........ They are nuts!
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9372
Debtcc Points: 124815
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Posted: Sat Mar 15, 2008 7:50 pm Subject:
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I too have a loan out with UsFastCash and I was working on through the BBB. However, the BBB feels that they have made a good faith offer so I am on my own now. Their final "offer" was an additional $140 on a $300 loan when I have already paid $270. I pretty much told them where they could go and what they could do with their offer once they got there. I did get a response to my last email stating that they were forwarding it on to the compliance department. I sent them my C and D letter early on in February so I don't know if they even tried to debit my closed account for March 1st. So once again, it's a wait and see game. Personally, I'm getting tired of playing games with them. I too have made a good faith offer in that I am willing to pay the additonal $30 to clear the account and repay what they deposited into my bank account. Take it or leave it is my motto. Good luck and keep us posted as many of us are or have dealt with them in the past.
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llw1995
Joined: 02 Feb 2008
Posts: 1428
Debtcc Points: 13711
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Posted: Sun Mar 16, 2008 5:44 am Subject: reply
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okay,first let the BBB know that usfastcash is unlicensed therefore illegal.you are only obligated to repay the principal borrowed.one of you it looked like 120.00.another it looked like 130.00.that is all you are obligated to pay back.file AG complaints if you have not already.
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paulmergel
Moderator
Joined: 24 Jun 2007
Posts: 4044
Debtcc Points: 14704
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Posted: Sun Mar 16, 2008 7:32 am Subject:
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paul. . .the BBB isn't interested in much of anything. They feel that UsFastCash made a good faith offer and I should take it. I am sure that I brought up the fact that they are illegal in my state. There was no mention of any resolution except that they would keep it in the files as a reference. I've paid $270 on a $300 loan so $30 is all I am willing to pay them to clear the account.
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llw1995
Joined: 02 Feb 2008
Posts: 1428
Debtcc Points: 13711
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Posted: Sun Mar 16, 2008 7:34 am Subject: reply
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of course not,that is why you should go for the jugular with mte.file AG and FTC complaints if you already have not. 
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paulmergel
Moderator
Joined: 24 Jun 2007
Posts: 4044
Debtcc Points: 14704
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Posted: Sun Mar 16, 2008 7:51 am Subject:
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paul. . .I filed on both UsFastCash and ameriloan. Ameriloan came back from the BBB pretty straight forward and I settled with them, no problem. Only paid what I agreed to. But these guys are yahoos. I just sent them another email addressing the fact that I have made several attempts to settle this loan and they keep dragging their feet. I also referenced the fact that getting funds to them is near impossible as they are d/b/a at several different states and addresses. I want them to give me the address that THEY want the money sent to so I have documentation in their own language. These people don't scare me one bit. . .it's just that I am sick and tired of their cat and mouse games. In the words of my dearly departed grandmother. . .s**t or get off the pot! They need to move on to a less stressful adventure. . . preferably one that is legal.
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llw1995
Joined: 02 Feb 2008
Posts: 1428
Debtcc Points: 13711
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Posted: Sun Mar 16, 2008 9:12 am Subject: reply
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just keep up the pressure,they will fall like a house
of cards.you are doing great,keep it up. 
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paulmergel
Moderator
Joined: 24 Jun 2007
Posts: 4044
Debtcc Points: 14704
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Posted: Sun Mar 16, 2008 9:32 am Subject:
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paul. . .at least they are accepting my emails, which is more than I can say for MCN and PDM. I just got two more emails returned from them and the reason given was "refused". Star Advance accepts my emails but doesn't respond to them. Since I am at least having some sort of diaglogue from UsFastCash, I will keep after them. As for the other three. . .I will just wait until I hear from them, which hopefully will be never.
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llw1995
Joined: 02 Feb 2008
Posts: 1428
Debtcc Points: 13711
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Posted: Sun Mar 16, 2008 9:34 am Subject: reply
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still,you are doing great.just know if they respond or contact,you what to do.
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paulmergel
Moderator
Joined: 24 Jun 2007
Posts: 4044
Debtcc Points: 14704
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Posted: Sun Mar 16, 2008 9:49 am Subject:
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paul. . . .with one down and one more in the works I am not too worried about the other three. I will deal with whatever they dish out when the time comes. I do live my life with the philosophy of "one day at a time". It is strange though, that some people hear from them and some people don't. I said this before and I believe it that there is no rhyme or reason to what they do. I think it depends on what kind of a day they are having!
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llw1995
Joined: 02 Feb 2008
Posts: 1428
Debtcc Points: 13711
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Posted: Sun Mar 16, 2008 2:03 pm Subject:
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I also have a loan with USFastcash. I filed with the BBB. Eventhough I overpaid them, they were trying to get more money out of me. When I refused to settle on their terms, they continued sending demand draft checks (debits were blocked)to my checking account. These guys are ruthless. I finally got the checking account closed and haven't heard from them since. I'm not holding my breath though.
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annie340
Joined: 08 Dec 2007
Posts: 96
Debtcc Points: 2155
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Posted: Sun Mar 16, 2008 2:12 pm Subject:
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annie. . how long ago was that? I also refused their offer and I haven't heard anything since as well. I did send them an email asking for an address to send the last $30 I owe them so I am waiting on a response to that as we speak.
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llw1995
Joined: 02 Feb 2008
Posts: 1428
Debtcc Points: 13711
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Posted: Sun Mar 16, 2008 2:14 pm Subject:
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The last check they sent through was about a month ago. It did not go through and generated an nsf charge. That was the second one they tried. Haven't heard from them since.
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annie340
Joined: 08 Dec 2007
Posts: 96
Debtcc Points: 2155
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