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#33
08-04-2007, 03:17 PM
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ok..your bank account is safe, and you've filed all your complaints. I believe you said you were going to pay just the priciple balance on each that you owe. You won't have address for all of them...so if you have sent cease and desist letters you could email them asking for a place to send your payments..they will probably give you a hard time about this as many of them refuse to give out a mailing address, insisting instead that you send the money by money gram or western union.Some people take their time and pay one at a time off...others have sent small amounts to each one..
__________________
If you think you can, you can...if you think you can't, your probably right... 
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#34
08-04-2007, 03:29 PM
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okay,i still need to file a complaint with cash net, crown lending, net cash , and cash central, however, i fornd an address for united and oneclick, and crown lending with the bbb. so how do i just pay the priciple on these loan, is it just because there not licensed ot is it because they do not following any banking laws or both. i am a little confused.
thanks
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#35
08-04-2007, 03:32 PM
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I also filed the ag complaints in their states not pa. This is all confusing. I should of never bothered with these pdl's however, i will not get discouraged because i ma half way there.
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#36
08-04-2007, 04:06 PM
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anna
anna, do not get discouraged. Please. It is work to get this taken care of on your own, but worth it. Yes, United Cash Loans and One Click Cash are both d/b/a's of MTE Financial. You filed with the BBB on them. Okay. You need to file with the BBB on all of your pdl's. You need to file with the FTC on all of your pdl's. You need to file with the state AG on all of the pdl's. File with your state AG. I don't know if you said you did or didn't. But your state AG still needs complaints filed against these companies. And, yes, United and One Click have unsatisfactory ratings on the BBB. Because people file complaints. That's why you have to do this for every one of them. You'll find all your pdl's will have unsatisfactory ratings with the BBB. People are complaining. The reason you're paying the principle amount of the loan is because that's what you borrowed. They provided the funds for you of say, $300, so pay the $300. That's what they gave you and you used. The reason people are fighting pdl's is because they are charging outrageous illegal "fees" and giving "extensions" and debiting bank accounts for more than they should for longer than they should. Do not get discouraged. Please. You need to get the addresses of your remaining pdl's and file the complaints.
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#37
08-04-2007, 04:35 PM
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I will not get discouraged, it is just frustating. However, I found an address for the rest of the pdl companies under the BBB. I will continue to file against the rest of them. Thanks for the encouragement. I will give you an update soon.
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#38
08-04-2007, 04:40 PM
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anna
anna, keep it up! It is frustrating! I think I was in my "own zone" for about a month while trying to send pdl letters, file complaints, fight with them on email, but then it calmed down once the complaints went in. Hang tough. You're doing good. And keep us posted! If you need anything, just ask!
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#39
08-04-2007, 05:26 PM
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okay, I will keep you posted. The complaints should kick in the next week or two, I think.... I will stay strong and just keep filing the complaints.... Talk to later... Oh, do I let them know I closed out my checking account or just let them find out. Everthing should hit my closed accout this coming week.
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#40
08-04-2007, 05:34 PM
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anna
I'm laughing here! My "evil" laugh! Let them find out when their debits are returned! It'll take them a while to figure it out! But, did you send letters to your pdl's revoking their debit privilidge? You need to do that if you haven't already done it. That way you have documentation that you revoked their debit privilidge. You have to do it in writing and send it to each one. Also put on there that you revoke any wage assignment that you may have signed. Send them ALL that letter via email/fax/USPS. You'll have your backup stating you told them to stop. You need to do that for your own documentation and also for the bank if they request it. They might ask you to show them something stating you revoked their debit privilidge. So send the letters, as I stated, and they will find out their debits are being rejected by your bank. I honestly think it's all just so computerized. It'll take them a few times before it dawns on them that they're debits are being rejected!
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#41
08-04-2007, 09:38 PM
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okay, I send letters to cease and desist and also to stop any ACH deductions from my checking accout for my records. This is alot of work. Talk to you later
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#42
08-05-2007, 04:12 PM
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anna
anna, don't forget to include on those letters that you revoke any wage assignment you may have signed (you may not have signed anything, but do it anyway to cover yourself) and also include that they are not to contact you via telephone at any telephone number they may have, only to contact you via email or USPS. This way you will have documentation of everything. Not to say they won't still call because they probably will, but at least you'll have it in writing you told them to stop. Have documentation of everything.
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#43
08-06-2007, 03:34 PM
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I did sent the letters, however, they are going to start harrassing me right? I sent a letter stating not to call my job, my home or any third party. I filed a complaint with all but cashnetusa. I will do that today. ... I keep you updated.
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#44
08-06-2007, 03:41 PM
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anna
anna, don't be nervous. The pdl's may/may not call. Some of them actually do abide by your request not to contact you via telephone. Not many, but some. If they do call you, tell them to only contact you via email or USPS and hang up. They will eventually tire of calling if they can't get a "rise" out of you and they're start sending emails. This is good. You want everything in writing. Telephone calls are not good because you don't have documentation. Try your hardest to get them to only correspond with you via email or USPS.
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#45
08-06-2007, 05:13 PM
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okay, I received an e-mail from the BBB in UTAH in refrence to Cash Centeal and they explained that they can not do anyting,however, I did file an AG too.
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#47
08-06-2007, 07:28 PM
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yes, I filed an ag complaint and a ftc complaint. Also, I called to Cash Central to tell them I closed out my account and I e-mailed them and fed-exed them a letter to stop all ACH, however, they told me they are putting the ACH deuction threw any way because of the contract I signed. Although , I signed the contract it states I have to contact them in writing to in order to revoke any ACH deductions. Well, I did twice and I sent all my paper work to AG.
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#48
08-06-2007, 07:33 PM
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anna
Okay, you have it in writing that you revoked their authorization to debit your account. You filed your complaints. You've closed the account. They may say they're going to put the debit through, but your bank is going to reject it. If they contact you regarding this, tell them you put in writing that they are not to debit your account any further and that you have the documentation. Now, why did the BBB say they could not help you with this issue?
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