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 Posted: Thu Jul 19, 2007 10:09 am Subject: United Cash Loans...UGH!!!!
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I had taken out a $300 PDL with these jerks....UGH (boy was I stupid)! I already paid $360 in fees to them and they are still telling me I owe $465.00 on a $300 loan! He just called to harass me at work. T & C was supposed to be working with them but now that I look at it, I have already overpaid by $15!!! He said he was going to put "refusal to pay" on my account, but funny thing is they accepted an agreement from T & C already but now that I have looked again, they don't even deserve that. What should I do??? I am sooo frustrated right now!
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LSCavlirJW
Joined: 26 Jun 2007
Posts: 11
Debtcc Points: 475
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Posted: Thu Jul 19, 2007 10:18 am Subject:
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I'm surprised to hear that they called you at work...they usually only communicate via e-mail.
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JEN5276
Joined: 31 May 2007
Posts: 394
Debtcc Points: 7005
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Posted: Thu Jul 19, 2007 10:21 am Subject:
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What state do you live in? If you have overpaid them, I would tell T & C not to send them any money. They don't need any more money from you than what you legally owe.
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He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart.
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Sassnlucy
Moderator
Joined: 12 Mar 2007
Posts: 2620
Debtcc Points: 28250
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Posted: Thu Jul 19, 2007 10:24 am Subject:
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I live in Virginia and I am pretty sure that they aren't even licensed to do business here anyway!
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LSCavlirJW
Joined: 26 Jun 2007
Posts: 11
Debtcc Points: 475
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Posted: Thu Jul 19, 2007 10:44 am Subject:
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| Quote: | Virginia State Information
Legal Status: Legal
Citation:
Va. Code Ann. ยง 6.1-444 et seq.
Loan Terms:
Maximum Loan Amount: $500
Loan Term: Min: 7 days
Maximum Finance Rate and Fees: 15%
Finance Charge for 14-day $100 loan: $15
apr for 14-day $100 loan: 390%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: None (cannot refinance, renew, or extend)
Cooling-off Period:
Repayment Plan:
Collection Limits:
Collection Fees: $25 NSF fee; Court Costs; Reasonable Attorney's Fees (not to exceed $250)
Criminal Action: Prohibited
http://www.scc.virginia.gov/division/banking/ |
You have well overpaid this loan. And as far as I know, this company isn't licensed anywhere!!!
_________________
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart.
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Sassnlucy
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Joined: 12 Mar 2007
Posts: 2620
Debtcc Points: 28250
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Posted: Thu Jul 19, 2007 10:52 am Subject:
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If they are not licensed in your state, then you don't have to pay their interests and fees. You are just liable to pay back the principal amount only.
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Bridget
Joined: 03 Mar 2006
Posts: 351
Debtcc Points: 4963
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Posted: Fri Jul 20, 2007 4:13 am Subject:
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Bridget, is there some law that states that so I can inculde it in my paperwork/fax when I try to get this resolved?
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LSCavlirJW
Joined: 26 Jun 2007
Posts: 11
Debtcc Points: 475
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Posted: Fri Jul 20, 2007 7:01 am Subject: ls
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LS, sassnlucy posted your state law in an above post. Copy and print it out. Include that in your letter.
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cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
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Posted: Sun Nov 23, 2008 7:14 am Subject: United cash loans are Miami Nation a Tribe
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United cash loans Ripped me off big time
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richie1044
Joined: 21 Nov 2008
Posts: 37
Debtcc Points: 488
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Posted: Mon Nov 24, 2008 6:03 am Subject:
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Oh yes, United Cash Loans WILL call you at work, they'll call you at home, wherever they can find you. It got to where when they'd call I'd say, per our previous conversation, I'm going to hang up on you now, and I'd do so. Doesn't stop them from calling, but at least I didn't have to go over the same old stuff over and over.
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Pachacutec
Guest
Debtcc Points: 100
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