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Posted: Wed May 14, 2008 4:05 pm Subject: email from pdl

I got this email from united cash loans.

Dear #####:

Your account with United Cash Loans, account #####, is in a final collection status. According to our records, your outstanding balance is $560.00. (If you have recently resolved this account over the phone, please disregard this message.)

Most likely this loan was used to help with unplanned expenses. Keep this quick and convenient option available the next time something unexpected happens. Immediate action is required to avoid impacting your future borrowing options. We value you as a customer and would like to help you take care of this for less than you owe.

To accomplish this, we are providing 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:

Grab your credit/debit card and click on this link to log on to the website finalcollections.unitedcashloans.com. (We also accept online checks)
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.unitedcashloans.com. This special offer is good only for a limited time.

Should you have any questions concerning this account please feel free to contact us TOLL FREE at 1-800-701-7565.

Thanks for being our customer,

Collections Department United Cash Loans
FinalCollections@unitedcashloans.com

They owe me not the other way around!!!!!

Posted: Wed May 14, 2008 4:08 pm Subject:

Then I got this email from Ameriloan....

Your account with Ameriloan, account ######, is in a final collection status. According to our records, your outstanding balance is $480.00. (If you have recently resolved this account over the phone, please disregard this message.)

Most likely this loan was used to help with unplanned expenses. Keep this quick and convenient option available the next time something unexpected happens. Immediate action is required to avoid impacting your future borrowing options. We value you as a customer and would like to help you take care of this for less than you owe.

To accomplish this, we are providing 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:

Grab your credit/debit card and click on this link to log on to the website http://finalcollections.ameriloan.com. (We also accept online checks)
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 http://finalcollections.ameriloan.com. This special offer is good only for a limited time.

Should you have any questions concerning this account please feel free to contact us TOLL FREE at 1-800-503-8028.

Thanks for being our customer,

Collections Department Ameriloan

Are they kidding...they owe me. I am not going to go to a website and enter info into it. Even if it is my very owen website!

Posted: Wed May 14, 2008 4:43 pm Subject:

mandywebb. . have you notified them that you have contacted their processor? If you have, send that email again. If not, you might want to do so now.

Posted: Wed May 14, 2008 4:53 pm Subject:

Wow Mandy...was the email circled with hearts & flowers?...it is so sweet! What crooks.

Posted: Wed May 14, 2008 5:50 pm Subject:

What a neat form email! Rolling Eyes

I wonder what other company uses this one.....

Posted: Wed May 14, 2008 6:17 pm Subject:

I can make an offer for less then I owe....hmmmm lets see $0 that is my offer. Actually I would like a credit of $560 because it is what I overpaid!

Posted: Wed May 14, 2008 6:18 pm Subject:

This is a new one on me, don't think I've ever seen a pdl company give the option for a modified amount. Interesting. But yes, hearts and flowers would have been a nice addition skymerle. Laughing

Posted: Wed May 14, 2008 7:06 pm Subject:

I received this form Langhorne concerning United:

CLK Management - (includes your loan(s) with One Click Cash (CLK
Management), United Cash Loans (CLK Management)) - This is a group of five
'brands' offered by a single lender, CLK Management, based in Overland
Park, KS. This company is a bad actor in the industry. They are not
authorized by any state to make loans, harass borrowers in collections and
are unrealistic in their settlement demands. Accordingly, our efforts to
resolve these accounts normally involve the filing of complaints with state
and federal regulators rather than traditional negotiation techniques.

And here is their money gram info:
One Click Cash (CLK Management)
BLUE EXPRESS Moneygram
RECEIVE code 5815

COMPANY 1 click cash

CITY niobrara

ST NE

Posted: Wed May 14, 2008 7:22 pm Subject: reply

UCL and AMERILOAN are both MTE nice that they use the
same form letter.if you paid the principal then you
are done.i saw how you are owed a refund on one.
keep us posted.some of us have been at MTE'S throats
about refunds,funny but they don't like to do that.

Posted: Thu May 15, 2008 5:41 pm Subject:

Mandy:

Contact Cindy at Intercept ACH. She was very helpful. She stated that she could not directly stop them from debiting my account, but she did call them for me. I had a pif from Ameriloan and 500 Fast Cash within two days. I am however, watching my account to ensure that they do not try to sneak something through. I was probably owed a couple of thousand by ameriloan, but was more than happy with a pif!!! Let me know how it goes!

MS*MANDI · Posted: Thu May 15, 2008 5:53 pm Subject:

I RECIEVED A LOAN THRU UNITED IN NOVEMBER FOR ONLY 250.00 DOLLARS. THEY HAVE BEEN DEBITING MY ACCOUNT SINCE, UNTIL I CLOSED MY ACCOUNT ABOUT 1 IN A HALF MONTHS AGO. I HAD'NT RECIEVED ANY NOTICE IN THE MAIL NOR EMAIL, WHICH PROVED 2 ME THAT THIS COMPANY WAS A SCAM. SO NOW TODAY I RECIEVED AN EMAIL TRYING 2 SETTLE FOR 65. YEAH RIGHT. THEY OWE ME ABOUT 500 IN OVERPAYMENTS. COME ON NOW NOVEMBER-MARCH FOR ONLY 250. HA HA THAT IS QUITE AMUSING :P

MS*MANDI · Posted: Thu May 15, 2008 5:53 pm Subject:

I RECIEVED A LOAN THRU UNITED IN NOVEMBER FOR ONLY 250.00 DOLLARS. THEY HAVE BEEN DEBITING MY ACCOUNT SINCE, UNTIL I CLOSED MY ACCOUNT ABOUT 1 IN A HALF MONTHS AGO. I HAD'NT RECIEVED ANY NOTICE IN THE MAIL NOR EMAIL, WHICH PROVED 2 ME THAT THIS COMPANY WAS A SCAM. SO NOW TODAY I RECIEVED AN EMAIL TRYING 2 SETTLE FOR 65. YEAH RIGHT. THEY OWE ME ABOUT 500 IN OVERPAYMENTS. COME ON NOW NOVEMBER-MARCH FOR ONLY 250. HA HA THAT IS QUITE AMUSING :P

Posted: Thu May 15, 2008 5:55 pm Subject:

jr. . . .glad to see that the system is working. I too had great success with Intercept and Cindy. Not quite sure why it seems to be working for some, but not others. Enjoy your new found liberation from 500 and Ameriloan!