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I closed my checking account and I sent out letters to all of my online payday loans and got this e-mail from United Cash Loans. This is the only letter i have gotten so far from any of the companies i borrowed from. Can someone please help on what i do now...I live in California

Posted: Fri May 25, 2007 9:32 am Subject:

They are correct in the fact that the FDCPA applies only to third party collectors.
How much did you borrow from them and how much have you paid them so far? They seem relatively docile compared to some. They are acting professionally so far. Not to stick up for them.

Posted: Fri May 25, 2007 9:35 am Subject:

if I may ask, what did your letter say? did you offer to repay in payments?

Posted: Fri May 25, 2007 9:51 am Subject:

Another question... what state do you live in and how much have you paid back to them on the PDL?

Posted: Fri May 25, 2007 10:08 am Subject:

I live in California. Yes i offered a payment plan. I borrowed 350.00 and have paid 105.00. The letter I sent them revoked authorization to debit my bank account, what California state laws are for payday loans and what i legally owe them and a payment plan and that i filed a complaint. So if anyone knows what to do next please let me know.

Posted: Fri May 25, 2007 10:52 am Subject:

Wait for their reply. If you don't here back in a week then contact them again to see if you can get feedback. Since you have insulated your bank account from them, you should be okay to wait until you here from them. My guess is that they will try and get to you pay more over a shorter time frame than you proposed, if they do, just restate your offer.

Posted: Fri May 25, 2007 10:58 am Subject:

I guess their reply was the e-mail i received. Do i reply to that? and if so what do i say? or do i wait to see if the e-mail me again?

Posted: Fri May 25, 2007 1:39 pm Subject:

Mention the laws again in your letter along with the copy you sent last time. They have sent you a generic letter. Request for someone to review your account personally and give you the response.

United Cash loans is affiliated with Rio Resources. I won’t be worried about them because there are too many negative complaints in this forum.

Posted: Sat May 26, 2007 9:37 am Subject:

I would also make sure that they are totally blocked from your accounts. Sometimes these companies will try and debit in smaller and larger amounts to get past the block. It can be an even bigger pain to deal with. I will check the Dept of Corporations website to see if United Cash Loans are one of the ones banned in California and will BRB.

Posted: Sat May 26, 2007 9:41 am Subject:

OK, United Cash Loans is not licensed to do business in California as per the Dept of Corporations website. I thought they might have been one of the ones banned by Arnold last September, but no records of any Cease and Desist orders against them. Even so, they are unlicensed.

judylbeckwith · Posted: Wed Jun 06, 2007 7:35 pm Subject: CHANGES OF PAYROLL ADVANCES COMPANY

I wrote 2 check for 293.75 in 2005. I have all wrote check for this comany call cash1. The check was for csl financial,llc up to 5/2007. Then the company cash 1 changes to bcci ca. Well bcci.ca said i owe the for two checks in 2005. Well i was never inform until now. I got records fro one check, to which was nsf from my bank and return to csl fiancial,llc.on 9/29/05,but then i was cleared to write a check in oct 2005. From oct2005 to 5/2007 i got approved and no problems . So am i obligated to pay the back checks to this new company.email me at email address removed as per forum rules - Mike need answer asap

Posted: Wed Jun 06, 2007 8:14 pm Subject:

I would write them a letter validating the debt and ask that they show that you owe the debt. If you really had owed that, they never should have let you reloan with them after the fact.

DEBRA L. · Posted: Wed Jun 13, 2007 6:30 pm Subject: PAYDAY LOANS

I borrowed $300.00 from a loan company and they deducted over 350.00 so far from my account and none of it even went toward the loan itself, now they are saying that I owe them $780.00 and that they are going to have me arrested at my job. They continue to call and harrass me at work saying that they are going to call my boss and then one rep. asked me if I
use my mouth to kiss my husband at night I think this is total harrassment. I explained I have been off for
a couple of months under workmen's comp.and that I could later pay off but they are so rude. I closed my accounts. I live in California and the loan is from Florida. Please inform me what should I do.

tom south carolina · Posted: Tue Sep 16, 2008 6:40 pm Subject: united cash loans

i borrowed 150.00 from them, paid 1st payment of 48.00 interest. now when i try to access my account, the password will no longer work. tried contacting them to no avail. did put stop on all bank accounts and cards, so they cannot get any money at this moment from me.

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I got a letter from Unitedcashloans now what do i do??

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