Help with Payday Loan Resolution- United Cash Loans, One Click & Integrity

Hello all,

Currently I have three Internet payday loans from the following companies:

1. United Cash Loans - 5/20/2011 - Amount: $400.00 - Paid $360.00

2. One Click Cash - 6/23/2011 - Amount: $450.00 - Paid $135.00

3. Integrity Loans - 5/17/2011 - Amount: $600.00 - Paid $830.00

Monday I called my bank to have them block the ACH debits. They put a stop payment on the companies. They also provided the company IDs,

United ID: 91B0289179
Integrity ID: M471768685
One Click Cash ID: 1202446965

I have been reading through a lot of the posts here. I live in Indiana and from what I have read it seems all of these lenders are unlicensed/illegal. I have read through the post titled Dealing with Unlicensed Payday Lenders. Some of the information got muddled but I want to confirm that the first step I do is send a email stating I will only pay the original principle balance.

Also if I have had multiple payday loans with one company, is it advisable to ask for a refund on previously paid loans? For instance I took a loan out with Integrity in November 2010 for $300 and it rolled over until May 2011. During that time I paid over $1000 in fees after deducting the principle. Should I request these monies back or leave good enough alone?

Thanks for the help.

Yes, you have the right to get back the extra money you have paid on the previous loans. You should send them a letter requesting the money back.

I agree with what the previous poster has said. You can get information from the Indiana Department of Financial Institutions in order to know whether or not pdl companies are licensed to operate in your state. If you find that the lenders are not licensed, then you are required to pay only the principal amount. If you have already paid more than the principal amount to the lenders, then you can ask them for the refund. Illegal payday lenders can’t take any legal action against you.

since all three are illegal in indiana here is what you owe.

united you owe 40.00
one click you owe 315.00
integrity owes you 230.00 just on this loan

as far as trying to get refunded for the past loan.you can try,but all three will fight you not only on their legal status,but also the amount you owe.btw as far as the account goes.i would see the manager asap and make sure this is a debit block,and not a traditional stop payment as those never work with these places as they change amounts,names,and will even submit a paper check.plus the bank charges a hefty fee for a stop payment.i would again see the manager in person and clarify this as stop payments not only don't work,but you are charged a fee for it.

Thank you all for the responses.

I have fired off my emails today. One to Integrity asking for a refund. The other two, One Click and United, letting them know I will only pay the remaining balance on the original amount.

I will also be calling my bank today because the stops were ACH stops only.

I will keep everyone posted on my happenings.

when you are on the phone with your bank.is it the manager you are speaking with?i ask that because only the manager can hard block/close an account.whether it's in person(that is preferred)or on the phone you must speak to the manager.very important.make sure this is an actual block.

I spoke with my bank and they were willing to reverse the ODP fees cause by the ACH debits from the companies and offered to do a "Compromised" account change. Basically they will keep my account but the account number will change. Which is great because I did not want to have to close my account out after 9 years!

I tried to find the mailing addresses for the companies but it seems the addresses keep changing. Does anyone have current, confirmed addresses for them?

One Click and United I am assuming are one in the same. The United website states:
Tribal Financial Services, doing business as UnitedCashLoans®, is a tribal lending entity wholly owned by the Miami Tribe of Oklahoma,
a Sovereign Nation recognized by the United States government under the Oklahoma Indian Welfare Act of 1936.

One Click site states:
OneClickCash® is a division of SFS, Inc. The Santee Sioux Nation of Nebraska has established SFS, Inc. as a tribally owned lending entity. The Santee Sioux Nation of Nebraska is a federally recognized Indian Tribe, organized pursuant to the Indian Reorganization Act of 1934, 25 U.S.C. § 461 et seq. whose reservation is located within the United States of America.

I need to locate them to pay the money and get this done with finally! Thanks for all the help!

both are part of MTE,and affiliated.however they will never admit it and therefore keep insisting on an actual address from both,and know that the "we are a sovreign nation"line means they are illegal and basically the equal of a foreing loan.let them know you are not swayed by this fact and you will pay the remaing moneies to satisfy the principle only if provided an address to send it.

Paul, just want to make a clarification. A Relationship Manager (the people who actually have desks at the bank) should be able to help people with closing accounts, changing account numbers, filing fraud disputes, etc. Some just aren't trained very well. Tellers can't help you.

There's no need to bother the branch manager unless you run into an RM who doesn't know what they're doing

And, it's always better to go to you bank branch and sit down with someone so you can discuss the issue in person.

So I finally received a response from one of the company's, Integrity, whom actually owes me money. A fellow named Justin wrote:

To which I replied:

To which he replied:


Any pointers on how to proceed? Thanks!

Continue to send them your revocation letter. They will continue to reply with nonsense. They will eventually call your job and fax some kind of payoff aggreement don't fall for any of it it is a scare tactic. I believe Integrity Advance and Nationwide Cash are companies operating out of the same office. I received the same emails from a rep at Nationwide. I actually told him to Kick Rocks he had me so mad. You have to stand your ground!! Paul already pointed out what you owe them so I would keep sending the letter and ask for an address to remit payment. I would send what I can and keep copies of it and once you sent the last payment be done with them.
Good Luck

Keep sending those letters and don't let their bogus semi-legal jargon scare you. If they were truly legal entities they wouldn't need to hide on the Indian tribal lands, or threaten you with the laws of the West Indies!

And the email chain continues with Integrity Rep Justin...

My Response:


Justin (Integrity):



Me:


Justin (Integrity):

Me:

(He does forward my ledger. I add up all the fees I have ever overpaid)

Me:



Justin ( Integrity):


So should I even continue to communicate with them? The debits have been hard blocked and this guy won't give up? I had to stop emailing him because soon I would have become irate through emails and I did not want to do that. The principle has been paid plus some extra. Suggestions?

Thanks all!

That is a bunch of crap you are in a state where pdl's are prohibited and you are only liable to pay the principal! I would keep sending my revocation letters file complaints send letters requesting a refund of extra monies because fees don't apply to a loan that is illegal in the first place. They are blowing smoke and its a bunch of crap. As long as your bank account is closed and your money is secured I wouldn't continue to play the back and forth with him. He is full of it and it will prove to become stressful for you so don't allow it to stress you KIM which means in short Keep It Moving!

I would just reply that you're not going to argue with him about it anymore. Reiterate that you have filed your complaints and you expect a refund of the full overpayment (current and previous loans).

If he continues to harass you, just put together a "generic" email that explains your state's laws, the amounts you've paid and the overpayment amount and request your refund. Remind him that you've closed your account, revoked ACH authorization and that you've taken measures to prevent wage assignment from going through. Remind them also that they won't be getting another penny from you and that you will patiently await your refund. You can probably use your original illegal lender letter.

Anything he sends you that doesn't offer your refund, just reply with your standard letter. If he calls, hang up. Tell the people at work any your family members and/or references that you're a victim of fraud and that they should also hang up on anyone who calls asking for you.

Hi all,

So I finally just stop communication all together with him since I was getting nowhere. I am okay to leave it at that. Although they still call, I do not answer. I guess only time will tell how this unfolds..... (to be continued)


Thanks for all the advice and help everyone!