Hi, I never actually called because I never have heard from these guys. I figured I would have a big fight on my hands and now I'm not sure what is happening with this. I did hear from web payday dispuiting my loan being illegal and from Little loan shoppe with the same thing. How come all these guys are licened in UTAH?? What is up with that state anyway and what the heck should I tell them? They have taken so much money from me in past loans before I found this site and I don't owe any more in principle to THESE GUYS but I do to the others but can't get any responce from them?? What to do?? Thanks as always again.

Are they still debiting your account? If so, and you have sent a C and D letter, call Intercept and let them know that they are being asked to debit on a revoked account. Ask for Cindy when you call. Then let UCL know that you have spoken with Intercept.

Hi I should have said who I was. You all have been helping me all along. I am Closed account HELP and yes they did try to debit my acct 1 time after I had closed it but at that time they where shot down. I have sent the c&d letters and these guys I have not heard back from. I'm not real sure if I should try to contact them or just wait. Thanks as always.

I would call Intercept (1-800-378-332, ask for Cindy, and let her know that they were asked to debit on a revoked account. Then let UCL know that you have contacted their processor.

I found it amusing, that the IPDLs block you access from your account online when you question or challenge them. If you ask me that is a RED FLAG for guilty. My advice is get every peice of information out of them before you light the fire

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"We are what we repeatedly do. Excellence, then, is not an act, but a habit."

-Aristotle-

Update on United Cash Loans--I received an e-mail today stating that since no payment was ever received my account is now at their "recovery department" for full amount owed and that I will need to make payment arrangements with them when they call.

I got my money back from the money order I sent them because they apparently never did get it(it wasn't cashed at least). So now they sent me to collections? Can I even ask for a debt validation from them? If they're an illegal company, what collection agency would they go through? They didn't even give me information to contact their "recovery department".

refile your AG,BBB and FTC cpmlaints.if you haven't filed complaints then do so.all MNE d/b/a's follow the same playbook.
they will use an in house collector,or just harrass the bejeezus
out of you.as you see with there emails they are very arrogant
and will fight you.do not give in,you only owe the principle nothing more.

I have already revoked their right to contact me at home or work via telephone, as well as contacting my references. If they do that anyways, is there anything I can do to stop that? I have sent an e-mail to them, requesting contact information for their collections department as well as their collections department manager's name.

I agree with paul. Their "recovery" department is more than likely the guy sitting at the desk next to the guy who sent you the email saying you were in recovery! I don't think there are an "higher ups". . . . .just someone who wants you to think they are! Were you trying to send them the full amount of what you borrowed? They are notorious for saying that they didn't get the "memo" so they can debit your account again and again, before they finally accept your payment. Are they asking for more than what you have already paid on the account?

They settled for the principal amount of $300, and that is what I sent to them. They never cashed it, and now they are wanting the full amount of $390. I already received a response from my e-mail a few minutes ago, accusing me of playing games. How can I be playing games by trying to PAY them?? Grr.....if I really wanted to be an A$$ I would refuse to pay them anything at all! This is frustrating, and I again asked for a contact number for their Collections department and stated that if they refuse, then THEY are the ones playing games.

I'm so frustrated. All I want to do is pay them, and they are making it extremely hard to do so. Is the extra $90 really worth their trouble?

So you sent the $300, it was never cashed and you got a return for the money order? Does that mean that the original money order is now flagged as being "no good"? Did the email come from compliance or customer service?

I got my money back because it had been 2 weeks and UCL advised they never received it at all; so the money order is no good now, wherever it ended up.

I've been communicating with the compliance department since their settlement offer for principal. With their last reply to me they say they will no longer respond to my e-mail "demands".....I don't think I'm demanding anything--just requesting confirmation that will indeed accept the next money order I send to them. I really do want to pay, but they think I'm playing games!

see what i mean,arrogant as a an august day is long and hot.
are they still calling your work?if not unfortunatly as the original
creditor they have the right to call.i would still file AG complaints.those emails and phone calls should be acted on by
your AG.just my thoughts.

I don't think I've received any calls from them at work yet--I don't answer any numbers that aren't familiar to me, and no messages are left if it is in fact UCL.

I've worked with my states AG office, which had it turned over to the DFI--they have not helped me resolve any of my complaints as of yet. I think my next step will be calling United Cash Loans myself since they will no longer respond to my e-mails, giving me a collections department phone number. I will send them another money order, but this time it will only be a partial payment. If they cash that, then they will get the full amount.

Saxy, do you have an email addy for UCL? I have been trying to contact them but when I send to customer service all I get is an automated reply.

But if you just send a partial payment, they will probably continue to add on fees as it is not for the total amount borrowed. Also, I would send another complaint to the BBB, stating that you had made that payment in good faith, it was never cashed, and now you have resent that payment as a paiyment in full. Also, do you have anything in writing as to their acceptance of the $300 as a PIF? If so, I would attach that as well and any other receipts you may have from the original $300 money order, AND bring it up to their attention Like I said, saying that haven't received something, or not cashing it, is their way of adding on more fees. Don't let them get away with it. Give them their $300, walk away, and don't look back.