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#17
08-03-2007, 08:58 AM
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No problem - But you also should keep in mind that the AG's office does at times say something different. One of the users here, Tukkitrocks, has had some favorable responses from the AG in PA too, so please be sure to at least file complaints against these companies. You may get some help from them, but it seems to be really hit or miss.
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#19
08-03-2007, 03:51 PM
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Thanks guys for all your help... I am aware of AG complaints and the fdcpa because I worked in 3rd party collections for about 5 years, however, I was not sure if any of that applyed to PDL.. Also, isn't the AG going to say something about taking out to many loans or it does not matter? Thanks again I feel the stress leaving slowly lol
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#20
08-03-2007, 04:54 PM
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Can anyone please tell me where these pdl company are located. I can not find oneclickcash. Because some of these pdl companys are not legal then I half way there if I do not have to pay the interest...Thanks
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#21
08-03-2007, 05:15 PM
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One way I find them is to check on the BBB site...if you do a search there it will show the address on record. However..another glitch...alot of these pdls have multiple names and address which make iharder. You can also do a search on this site in the google bar...sometimes you will find someone else here dealing with them and contact info in their thread.
__________________
If you think you can, you can...if you think you can't, your probably right...
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#22
08-03-2007, 06:58 PM
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anna
anna, do not be afraid to file the complaints. I swear, I thought the FBI was going to do an investigation on me because I had so many pdl's! LOL! I had 12 internet pdl's when I started. But, I'll be damned if I didn't file complaints on each and every one of them. You need to file with the state AG on them all, you need to file with the BBB on them all, you need to file with the FTC on them all. Do not be worried. Please file! As far as One Click Cash is concerned - welcome to my world! One Click Cash is actually MTE Financial. MTE Financial is horrible, horrible, horrible. They have over 18 d/b/a's and over 8 addresses. They lie to the government agencies. They will try to confuse you. They are my nightmare. One Click Cash is not licensed. I do have an address which I received when they responded to the BBB. However, please remember, they are MTE Financial. Here is the information I have for One Click Cash (and it came straight from them to the BBB).
One Click Cash 53946 Hwy 12, #3 Niobrara, NE 68760 phone: 1-800-349-9418 fax: 1-800-491-6913 email: compliancedepartment(at)oneclickcash.com Like I said, though, they are MTE Financial. Here is their information: MTE Financial 515 G S.E. Miami, OK 74355 phone: 1-866-213-0268 fax: 1-866-539-7503 email:compliancedepartment(at)mtefs.com One Click Cash will claim they are not MTE. MTE will claim they are not One Click Cash. Yes, they are one in the same. It's a little game they like to play. If you're going to file complaints on One Click Cash, you need to file a complaint on MTE Financial also. Do them separately.
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#23
08-03-2007, 08:45 PM
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Okay, i did it.. I filed a ag complainted both with oneclick and mte financial...i explained that they are not legal in both states.. I also filed them seperate... What happend now... I just pay the principal of what i owe if these pdl company's are not legal? Thanks so much... Got the ball rolling....
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#24
08-03-2007, 08:56 PM
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anna
Okay, anna. Good job so far. Did you also file with the BBB and the FTC? Do not leave them out. They are important. Some people get their pdl's resolved just through the BBB alone. Some people get responses from the FTC. Some people get responses from the state AG. You need to file with them all. They do pay attention. They review every complaint received. Refresh my memory (it's late!) did you already take care of your bank account? So the pdl's can not get any more money out of you?
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#25
08-03-2007, 09:10 PM
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anna
anna, I just read through all the posts to refresh myself. United Cash Loans is also an MTE Financial d/b/a. You can file complaints on them also, as they are not licensed to do business in their own state. Have you checked to see if the other pdl's are licensed in their own state to do business? CashNetUSA, it seems to be, might be licensed to do business in their state. This is if I'm thinking correctly. Do you have any documents showing the addresses of these pdl's and what state they are in? We can check to see if they are licensed in their own state. If they are not, you should only be obligated to pay the principle amount that you borrowed. Which means (after what you already paid):
CashNetUSA $440 Cash Central $150 One Click Cash $120 NetCashUSA $ 210 United Cash Loans $245 Crown Lending $250 However, we need to check and see if they are licensed in their own state, since PA has confusing internet lending laws. Did you happen to check yourself and see if they are licensed in their own state?
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#26
08-03-2007, 09:30 PM
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I can not find a address for United Cash or Net Cash,however, I will finish filing the complaints tomorrow. This is alot of work,bout it will worth it. I will do more research tomorrow.. I just want to Thank you so much for getting me in the right direction and walking me through this process. This web-site is the best invention ever...
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#27
08-03-2007, 09:36 PM
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I did close my checking account and opened a new one with a diffrent bank...NO ONE IS GETTING MY CHECKING INFO. LOL .... THANKS AGAIN. TALK TO YOU LATER..
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Just check tomorrow and see if you can find addresses for your pdl's. We can then check to see if they're licensed in their own state. Just post away and we'll be here!
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#29
08-04-2007, 11:28 AM
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Cash Net USA is lending to PA consumers under their Nevada license.
Cash Central is lending to PA consumers under their Utah license. Net Cash USA is, I think, Nationwide (at least they have the same address). They are located at: 314 N Riverside Dr Espanola, NM 87532 Nationwide is licensed in NM.
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#30
08-04-2007, 12:51 PM
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Okay, i filed a bbb complaint about oneclickcash. I have made print out of all my loan and payments that i paid to them. I also kept a recourd of the complaints i filed against the company. Do i contact them or wait to see what happens. I guess for now i will move on to the next one. Oh also cashnetusa has about 87 complaints from the bbb. I guess i will be 88 lol
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#31
08-04-2007, 01:14 PM
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Guess what, United Cash loans and One Click Cash are the same company. They are filed under the same address with the BBB. Also, United Cash has 124 complaints with the BBB.
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#32
08-04-2007, 01:39 PM
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Okay, I filed a BBB agsinst United Cash Loans...I also filed an AG in NV against United Cash and One Click. I found out they are not legal in NV. I will continue to file against these complaints, however, what is my next step.
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