| Author |
Message |
|
|
 Posted: Tue Aug 07, 2007 7:59 am Subject: Email from oneclickcash.com
|
|
|
I received this email from one click cash today.
| Quote: | We are contacting you about an overdue account with us, One Click Cash account #XXXXXX-X. According to our records, your outstanding balance is $510.00. (If you have recently resolved this account over the phone, please disregard this message.)
We value you as a customer, and want to work with you on settling this account. We are offering you:
A private and totally secure website for making an offer on this account for less than you owe.
The convenience of making your payment(s) online.
The pleasure of clearing your account without ever talking to a collector.
Flexibility to schedule a payment today and not pay anything for up to 14 days.
It is quick and easy:
Just click on this link to log on to the website finalcollections.oneclickcash.com.
Enter your account number and last 4 digits of your social security number.
Through a few simple steps you can verify your account information, and tell us what and when you can pay to settle this account.
When your offer is accepted, and you make the required payment(s) YOU WILL OWE NOTHING MORE ON THIS ACCOUNT.
Please log on now to finalcollections.oneclickcash.com. This special offer is good for only 16 more day(s).
We know you want to honor your obligations. Take advantage of our online settlement tool today. Should you have any questions concerning this account please feel free to contact us TOLL FREE at 1-800-825-0441.
Thanks for being our customer,
Collections Department One Click Cash
FinalCollections(at)oneclickcash.com |
I originally took out a $300.00 loan. So far I have paid $180.00 in renewal fees. This leaves me with a balance of $120.00, which I am willing to pay. I WILL NOT PAY $510.00. HOw should I respond?? I have sent them emails and certified lettes in the past and have never received a response.
|
|
Bublefan1
Joined: 10 May 2007
Posts: 188
Debtcc Points: 2962
|
|
|
 |
|
Posted: Tue Aug 07, 2007 10:16 am Subject:
|
|
|
Where are you from? Do you know the legal status of payday loans in your state? I know One Click is part of MTE and I don't believe it is licensed anywhere.
_________________
Register today to encash debtcc points.
|
|
Guest
Debtcc Points: 100
|
|
|
|
Posted: Tue Aug 07, 2007 10:18 am Subject:
|
|
|
I live in Florida and they are not licensed here.
|
|
Bublefan1
Joined: 10 May 2007
Posts: 188
Debtcc Points: 2962
|
|
|
|
Posted: Tue Jan 15, 2008 12:07 pm Subject:
|
|
|
why did loanshop/whistler agent tell me that PDL's laws aere governed by the state the office is located in. I too have an account with oneclick cash, and I've over paid already and want this account closed ASAP, but they want me to pay $455 on a $350 loan from November till now. I live in Alabama, but don't quit understand what to do, was she right about the PDL companies using the state laws where the office is located?
|
|
need2bdebtfree
Joined: 12 Jan 2008
Posts: 38
Debtcc Points: 1055
|
|
|
|
Posted: Tue Jan 15, 2008 12:18 pm Subject:
|
|
|
No.....they cannot pick and choose what laws they will go by. Some PDL's even have the gall to tell people that they go by UK, Ireland and Malta laws. Keep in mind, these people will lie, lie, lie to get you to pay.
|
|
volleyballmom
Debt Samaritan
Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24895
|
|
|
|
|
Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 4628
Debtcc Points: 28942
|
|
|
|
Posted: Tue Jan 15, 2008 12:44 pm Subject:
|
|
|
I beg your pardon, I see you are from FL. Here are your state laws regarding PDL's.
| Quote: | Florida State Information
Legal Status: Legal
Citation:
Fl. Stat. Ann. ยง 560.401 et seq.; Rule 69V-560.901-912
Loan Terms:
Maximum Loan Amount: $500
Loan Term: 7-31 days
Maximum Finance Rate and Fees: 10% + verification fee
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: One
Rollovers Permitted: None (cannot rollover)
Cooling-off Period: 24 hours
Repayment Plan: Yes
Collection Limits:
Collection Fees: All charges imposed on the lender by any financial institution; lender not entitled to treble damages
Criminal Action: Prohibited
Where to Complain, Get Information:
Regulator: Florida Office of Financial Regulation
Address: Division of Securities and Finance, 200 E. Gaines Street Tallahassee FL 32399
Phone: (850) 410-9805
Fax: (850) 410-9748
Regulatory Contact: ,
http://www.flofr.com/ |
_________________
Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws
Ohio Consumer Protection Law
|
|
Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 4628
Debtcc Points: 28942
|
|
|
|
Posted: Tue Jan 15, 2008 12:48 pm Subject:
|
|
|
| Quote: | | I originally took out a $300.00 loan. So far I have paid $180.00 in renewal fees. This leaves me with a balance of $120.00, which I am willing to pay. I WILL NOT PAY $510.00. HOw should I respond?? I have sent them emails and certified lettes in the past and have never received a response. |
Buble-I think I remember your case from another thread and your account is closed right?
Let them know tht you will send them a money order to satisfy the PRINCIPAL remaining balance of $120.00. At that time, you expect them to mark the account paid in full. send it certified return receipt, if you can, write the money order # down on the letter you send them, and buy a traceable money order from the post office.
|
|
volleyballmom
Debt Samaritan
Joined: 27 Aug 2007
Posts: 4178
Debtcc Points: 24895
|
|
|
|
Posted: Sun Jul 27, 2008 3:54 am Subject: one click cash loan.
|
|
|
I just applied for a $300.00 loan with this company . should I not or do I still have time to cancel this loan do to I just got approved but will get nothing until July 28, 08 until it hit my account. what should i do?
_________________
Register today to encash debtcc points.
|
|
johnnyboy45518
Guest
Debtcc Points: 100
|
|
|
|
Posted: Sun Jul 27, 2008 7:18 am Subject:
|
|
|
Personally, if I were you I would try to cancel the contract. If you can't do that are you in a position to "repay" this loan immediately? If it is with One Click Cash, who is affiliated with MNE, not MTE, you will be hit with a $90 fee right off the bat. In short, you will owe $390 to pay in full, either immediately or on the due date. If you let is slide, they will charge you $90 every two weeks or monthly, whichever you agreed to. The sooner you can get this cleared, the better. Just watch you bank account and make sure you let them know well in advance that you will be paying in full on the due date. They are also notorious for "not receiving" your request to pay in full. And, make sure EVERYTHING is in writing. Good luck and keep us posted.
|
|
llw1995
Joined: 02 Feb 2008
Posts: 1428
Debtcc Points: 13709
|
|
|
|
Posted: Mon Jul 28, 2008 10:53 am Subject:
|
|
|
I closed my account with one click cash and it was confirm buy them that it was close. I hope it ends there. Do you think it will end there?
_________________
Register today to encash debtcc points.
|
|
Johnny Madrid
Guest
Debtcc Points: 100
|
|
|
|
Posted: Mon Jul 28, 2008 11:35 am Subject:
|
|
|
Well, if you have repaid what you borrowed than I would say it should end there but if you still owe money on the principal of the loan, morally, I would say you still have a way to go.
|
|
llw1995
Joined: 02 Feb 2008
Posts: 1428
Debtcc Points: 13709
|
|
|
|
