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 Posted: Tue Oct 09, 2007 10:02 am Subject: Settlement Offer from United Cash Loans/MTE Financial
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I just got these.. Umm.. I doubt I'll have the $300 to give them, so would I email them and ask for payment arrangements to be set up??
| Quote: | ***SETTLEMENT MUST BE CONFIRMED BY 10/11/07****
My name
Reactivated account-
We received your recent communication in this department. The terms and condition are available from the website from the time of application, and there is a 48-hour window of in which to cancel the agreement and return the funds without incurring any fee. In addition before each debit an account summary is provided to you; which also summarizes the terms once more and all the options you have for repayment. We can fax a copy of your loan documents for your review. Per the contract and account summaries emailed to you, if you had wanted to avoid additional fees, you needed to pay in full on your first due date, or soon thereafter. We received no paperwork from you requesting to pay in full since the inception of the contract. Since you are a repeat customer, we believe and have documentation of your understanding of our terms and conditions (all email, phone, fax transmissions are recorded).
We do wish to assist you:
***********Current Balance at this time: $480.00 in collections******************
We can offer a one time reduction offer: ______$300.00 (amount of Deposit)____
Your account has been reduced to the above amount owing until : ___10/15/07___.
We will not debit your account again to give you a chance to pay the reduced balance, if no response or payment is made-regular debits will resume per the contract after 10/15/07.
****YOU WILL OWE NOTHING MORE IF THIS SETTLEMENT IS RECEIVED*******
The money for the reduced offer must be sent via Moneygram
Moneygram -For locations please call 1-800-926-9400
Pay to: United Cash
Receive Code: 4309
City/State: Miami, OK
Account: Compliance/84810617
After 10/15/07 if we have not received the reduced balance offered, the account will continue per the contract for the full balance, now in collections, since we are the Original creditor, fdcpa does not apply, and we will contact you at any#'s we have for payment arrangements.
You must confirm this offer within 48 hours.
United Cash Compliance Department
Fax: 1-800-230-9480
Email: compliancedepartment(at)unitedcashloans.com
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E-MAIL Disclosure:
The preceding electronic mail messages ("e-mail") and any attachments contain information that may be confidential, legally privileged, and/or contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information. Unauthorized interception of e-mail is a violation of federal criminal law. If you are not the intended recipient of this e-mail, you may not read, disclose, print, copy, or disseminate the information contained herein. In the event that you have received this e-mail in error, please reply to the sender of the e-mail only and delete the original and all copies of this transmission (including any
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Then I got this one
| Quote: | ***SETTLEMENT MUST BE CONFIRMED BY 10/11/07****
My name
Reactivated account-
We received your recent communication in this department. The terms and condition are available from the website from the time of application, and there is a 48-hour window of in which to cancel the agreement and return the funds without incurring any fee. In addition before each debit an account summary is provided to you; which also summarizes the terms once more and all the options you have for repayment. We can fax a copy of your loan documents for your review. Per the contract and account summaries emailed to you, if you had wanted to avoid additional fees, you needed to pay in full on your first due date, or soon thereafter. We received no paperwork from you requesting to pay in full since the inception of the contract. Since you are a repeat customer, we believe and have documentation of your understanding of our terms and conditions (all email, phone, fax transmissions are recorded).
We do wish to assist you:
***********Current Balance at this time: $480.00 in collections******************
We can offer a one time reduction offer: ______$300.00 (amount of Deposit)____
Your account has been reduced to the above amount owing until : ___10/15/07___.
We will not debit your account again to give you a chance to pay the reduced balance, if no response or payment is made-regular debits will resume per the contract after 10/15/07.
****YOU WILL OWE NOTHING MORE IF THIS SETTLEMENT IS RECEIVED*******
The money for the reduced offer must be sent via Moneygram
Moneygram -For locations please call 1-800-926-9400
Pay to: United Cash
Receive Code: 4309
City/State: Miami, OK
Account: Compliance/84810617
After 10/15/07 if we have not received the reduced balance offered, the account will continue per the contract for the full balance, now in collections, since we are the Original creditor, FDCPA does not apply, and we will contact you at any#'s we have for payment arrangements.
You must confirm this offer within 48 hours.
United Cash Compliance Department
Fax: 1-800-230-9480
Email: compliancedepartment(at)unitedcashloans.com
--
E-MAIL Disclosure:
The preceding electronic mail messages ("e-mail") and any attachments contain information that may be confidential, legally privileged, and/or contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information. Unauthorized interception of e-mail is a violation of federal criminal law. If you are not the intended recipient of this e-mail, you may not read, disclose, print, copy, or disseminate the information contained herein. In the event that you have received this e-mail in error, please reply to the sender of the e-mail only and delete the original and all copies of this transmission (including any
attachments) without reading or saving in any manner.
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krisT
Joined: 17 Sep 2007
Posts: 139
Debtcc Points: 3502
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Posted: Tue Oct 09, 2007 10:06 am Subject:
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Lucy, do you owe them 300.00 Have you not paid anything against this loan?If you do owe it, and yiu can not give them 300.00 them yes ask for a pay plan
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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Posted: Tue Oct 09, 2007 10:12 am Subject:
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I would send them a counter offer. And do not send them money through money gram use only money order or a pre paid cc.
What made me laugh is when they put in the disclosure about the Gramm-Leach-Bliley Act they will follow that rule but not the law of being licensed? lol
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puddlejmpr
Debt Samaritan
Joined: 15 Dec 2006
Posts: 1325
Debtcc Points: 3334
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Posted: Tue Oct 09, 2007 10:39 am Subject:
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I sent back that I could do $75 for the next 4 paydays. Do I just wait and hear from them then?
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krisT
Joined: 17 Sep 2007
Posts: 139
Debtcc Points: 3502
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Posted: Tue Oct 09, 2007 10:41 am Subject: reply
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Yes. You gave them a counter-offer. Good for you. Let us know when you hear back. No one has $300 laying around to friggin moneygram someone! Good Lord! Good job with the counter-offer! I'll be awaiting their reply! 
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
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Posted: Tue Oct 09, 2007 12:40 pm Subject:
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| Quote: | | I'll be awaiting their reply! |
Well, they stated it needs to be paid off by the end of the month, so I will be doing $150 on the 15th and the end of the month... Lord willing I get my bonus and then I could just pay it off at once!! I've been working a lot of OT so I know that I will be ok financially wise...
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krisT
Joined: 17 Sep 2007
Posts: 139
Debtcc Points: 3502
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Posted: Tue Oct 09, 2007 12:42 pm Subject:
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Lucy, as long as it is something that you can comfortably do then do it. Get rid of these bottom feeders once and for all. Good work
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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Posted: Tue Oct 09, 2007 12:46 pm Subject:
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I just want to rid of this crap!!!
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krisT
Joined: 17 Sep 2007
Posts: 139
Debtcc Points: 3502
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Posted: Tue Oct 09, 2007 4:20 pm Subject:
Latest Blog Post : Holidays |
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Good for you lucy, hopefully they will take your very reasonable offer and settle and you can be rid of them. I'm going to stick it to them myself....and only give them what I owe on the principal....
_________________
Life is an Albatross:Advice from an Albatross
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pokogeo
Joined: 05 Jul 2007
Posts: 587
Debtcc Points: 9432
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Posted: Tue Oct 09, 2007 7:09 pm Subject:
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| Quote: | | Good for you lucy, hopefully they will take your very reasonable offer and settle and you can be rid of them. I'm going to stick it to them myself....and only give them what I owe on the principal.... |
$300 is the principal that I owe.
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krisT
Joined: 17 Sep 2007
Posts: 139
Debtcc Points: 3502
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Posted: Mon Oct 29, 2007 7:30 pm Subject:
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Ok, well I've been dealing with the BBB regarding MTE/Unitedcash loans.. Are they really the same company? This is the reply to the complaint I made to the BBB. | Quote: | MTE FINANCIAL SERVICES
FAX: 866-668-0535
Email: compliancedepartment(at)mtefs.com
October 26, 2007
Better Business Bureau Serving Eastern Oklahoma
Attn: Dan Wade
1722 S. Carson Ave. Suite 3200
Tulsa, OK 74119
RE:
Mr. Wade,
We have reviewed another rebuttal forwarded to our company which Kristi filed. In this rebuttal, she is referencing a company by the name of United Cash Loans. We have no affiliation with any such company. The settlement letter which she pasted a copy of in her response was not sent to her by our company. Her account with our company had never gone to collections. In fact, she had not even made her first payment for the loan that she received from us before filing a complaint with your institution.
As stated in our most recent response, sent on 10/17/07, Ms. Ulrich had 24 hours in which to respond to our offer (which we sent directly to her when she initially filed a complaint directly with our company). Unfortunately, due to the fact that she has not accepted the offer made and clearly refuses to repay the debt, as she plainly stated in her most recent rebuttal, the offer is no longer be valid and her account has been referred to an outside collection agency for recuperation of the loss. We will consider this matter closed unless we hear from you.
Thank you for your time and consideration in this matter.
Respectfully,
Compliance Department |
What do I reply back to the BBB??? Did I mistake that they are the same companies?? HELP!!! 
[/quote]
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krisT
Joined: 17 Sep 2007
Posts: 139
Debtcc Points: 3502
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Posted: Mon Oct 29, 2007 8:18 pm Subject:
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I thought they were the same companies also. Someone help please!
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aminah0529
Joined: 23 Oct 2007
Posts: 415
Debtcc Points: 3290
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Posted: Tue Oct 30, 2007 4:14 am Subject:
Latest Blog Post : Decision |
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MTE has about 30 DBA's...just ask Cannr...she has a list going somewhere..I had both of these two....but each one is treated separately by the "mothership" so to speak... even though they are all part of the same base. I think I had 4 all different names and they all reacted differently to my defaulting.
_________________
If you think you can, you can...if you think you can't, your probably right...
http://lifewithyourcredit.yesdebtfree.org/
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Morningstarr430
Debt Samaritan
Joined: 13 Jun 2007
Posts: 2337
Debtcc Points: 39294
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Posted: Tue Oct 30, 2007 4:18 am Subject: reply
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Yes, they are MTE Financial. MTE (evil) lies. They also claimed to me that One Click Cash is "not them" and USFastCash is "not them". Yes, they are.
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
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Posted: Tue Oct 30, 2007 5:48 am Subject:
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This is the latest email I got from Unitedcashloans. I frickin can't pay the $300 all at once!!! I don't know what else to do...
| Quote: | RE: Account Settlement
Date: Tue, 30 Oct 2007 07:26:52 -0500
From: "UnitedCashLoans Compliance Department" <compliancedepartment3> Add to Address Book Add Mobile Alert
To: "
This dept is unable to do that. Any reduced balance must be paid in full, especially if we offered to waive all fees, and essentially give you free money with no interest. If not paid by 10/31, then the account will continue in collections for the full amount, and you will need to make arrangements with the collections dept. This offer was more than fair, and if you cannot meet it, then that is your choice. We placed the funds in your account, at your request, for your own use. We are asking for those funds back, and we have given you the funds for more than 2+months, interest free. That will end tomorrow 10/31/07.
United Cash Loans Compliance Department
Fax-1-800-230-9480
compliancedepartment (@) unitedcashloans.com
E-MAIL Disclosure:
The preceding electronic mail messages ("e-mail") and any attachments contain information that may be confidential, legally privileged, and/or contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information. Unauthorized interception of e-mail is a violation of federal criminal law. If you are not the intended recipient of this e-mail, you may not read, disclose, print, copy, or disseminate the information contained herein. In the event that you have received this e-mail in error, please reply to the sender of the e-mail only and delete the original and all copies of this transmission (including any
attachments) without reading or saving in any manner.
fnbkemaildisclosure20030528 ====================================================================== ==
-----Original Message-----
From: Me
Sent: Monday, October 29, 2007 9:13 PM
To: UnitedCashLoans Compliance Department
Subject: Re: Account Settlement
I do want to pay my $300 settlement with your company. However, I request that the $300 be broken down to 4 payments of $75.00. I do appreciate the help you provided in funding me the loan. I just request that we can negotiate a more reasonable settlement that will accompany my needs.
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Do I continue to fight with them through the BBB or what? 
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krisT
Joined: 17 Sep 2007
Posts: 139
Debtcc Points: 3502
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Posted: Tue Oct 30, 2007 7:35 am Subject:
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I'd continue to fight them, through the BBB and try filing complaints with your state again if nothing has come of that.
_________________
How I make some extra cash
I earn at least $20 extra every month doing offers. And you don't have to pay a cent.
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goudah2424
Moderator
Joined: 31 Oct 2006
Posts: 8007
Debtcc Points: 111615
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