help me for the love of Pete!

Joined: 06 May 2008 Posts: 20 324 Debtcc Points

I have four payday loans. One with Cash Today, one with one click cash, fast cash and the other I can't remember. They all want their money and want it now. It's been since 05 since i took these stupid loans. I feel so stupid .. and alone...
i've been told not to pay them at all and report them. I've told them to send it all to collections but they won't. what do I do. I live in Connecticut and need help now. I want them off my back.
anyone please. you can even email me at (email removed for your safety - Roxy) with advice.

thank you

Posted: Wed May 07, 2008 3:50 pm

Kasy, You have had these pdls since 2005? Please go back through your bank statements and find who the last one is. You will need that information. You need to close your bank account so they no longer have access to your money. Internet pdls are prohibited in CT. I recognize them as internet, are any storefront?

Please read this about closing your account.

http://www.debtconsolidationcare.com/paydayloan/close-account.html

If you have any questions at all please post them. I will post CT law for you so you and the members can refer to it as needed.

Posted: Wed May 07, 2008 3:51 pm

Connecticut Law

Posted: Wed May 07, 2008 3:57 pm

Since 2005???? They have had you on a string long enough. Time to stop the madness!!!

Take heed to the advice others are giving you.

Joined: 06 May 2008 Posts: 20 324 Debtcc Points

they are internet loans, I closed my bank account back in 06. They just started calling me and won't back off. any advice? I have told them I reported them, but they won't listen

Joined: 02 Feb 2008 Posts: 625 8761 Debtcc Points

Get on the phone and call their processors. Then send each and every one of them an email indicating the name of the processor, their phone number and that you have spoken with them. I am assuming that they haven't been taking any money from your bank account all this time? If not, they probably will start doing so if they are asking for money now. How did you manage to escape this for so long?

Joined: 02 Feb 2008 Posts: 625 8761 Debtcc Points

If you have USFastCash listed (I can't see the entire post as the advertisement is in the way) their processor is Intercept EFT 1-800-378-3328.

Joined: 06 May 2008 Posts: 20 324 Debtcc Points

they don't have my account # anymore. I don't know how I managed to escape this long, but now it's getting very frustrating. They want either a debit or pre paid credit card. Or a money gram. They won't give me their address to send money order to. I told them I am willing to pay, but they won't work with me on my terms. I sent a fax today to cash today asking them to cease all phone calls at my place of employement and direct all inquiries to either email or my home phone. I've even asked them to send it out to collection agencies but they won't do that either.

Joined: 06 May 2008 Posts: 20 324 Debtcc Points

I have one click cash, ameriloan, cash today, and united cash loans. do I speak with someone directly there?

Joined: 02 Feb 2008 Posts: 625 8761 Debtcc Points

I am assuming that the account you used for the deposit is no longer valid? If that is the case then you don't have to worry about ACH/EDT debits. That is a good thing but the processors won't be of any help under those circumstances. They need to be taking the money in order to stop them. Did you punch in the names of these PDLs at the top of the page to see what addresses come up? That could be a way to get a useable address. Just make sure it it sent in a money order, not anything connected to your bank records. I would file complaints on them with your AG, the BBB, and the FTC. It's time comsuming, but necessary.

Joined: 06 May 2008 Posts: 20 324 Debtcc Points

I did report cash today to the ftc in london. that's where they are out of. but should I just pay them to be done?
I'm afraid of sending a money order. what if they don't get it, and how will I know if they do? even if I file a complaint I still have to pay them right? sorry this is all so confusing and upsetting. I can't believe I did that at all.

Posted: Wed May 07, 2008 5:24 pm

KAsy, They are prohibited in your state. Yes, you need to pay them back, but you can do so on your terms. Here is a letter you can use as a template to send to them..

http://www.debtconsolidationcare.com/paydayloan/outstanding-loan.html

Anything you send to them and send through USPS, send certified return receipt, that way you can prove they received your mail.

Amerilaon, One Click and United Cash Loans are all part of a company called MTE and they are difficult at best to deal with. I had One Click and they eventually left me alone. File on all of them with the Better Business Bureau which you can do online at bbb.org. For filing against them with your state you would file with

Regulator: Connecticut Department of Banking
Address: 260 Constitution Plaza Hartford CT 06103
Phone: (860) 240-8299
Fax: (860) 240-8167
Regulatory Contact: Alan Cicchetti Deputy Commissioner

Always be sure your bills like rent, electric, car, gas are paid first then you pay the pdls. I am willing to bet that if you send a money order they will cash it. If you need addresses, post which companies you need the addresses to and we can help you.

I know this is confusing, you will pick it up as you go along and we are always here to help with questions so ask away. Do not be upset with yourself, I had 9 internet pdls, so you are doing way better than I. If you can please post a list of the pdls and how much you borrowed from each. That way if a member has dealt with that company, they can post advice to you and let you know what worked for them.

Joined: 02 Feb 2008 Posts: 625 8761 Debtcc Points

Roxy is right. It is confusing and when you first come here you have so much to deal with it seems overwhelming. Just a little encouragement. . . .I came in 3 months ago with 5 PDLs. Today I have zero and some were one of the toughest. . .Ameriloan, UsFastCash for starters. People on this board are here to help you. Try not to judge yourself. We have all been there. Take a deep breath and follow the suggestions of those who have gone before you. I am in New York where PDLs are prohibited as well. I think that gives us a little stronger edge in playing hardball. All will be okay. Promise.

Posted: Wed May 07, 2008 5:41 pm

I got rid of Cash Today by using a Debt Consolidator. I paid them and they sent them checks every month. So when they called me saying they hadn't gotten payment, I got copies of my checks with the endorsements on them and sent them to them.

Joined: 27 Mar 2008 Posts: 242 2667 Debtcc Points

how much money did you give them? could you list what you owed (principal) and how much you paid? Even if you paid 2005 - 2006, I am sure they must have gotten their principal by now?

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