Internet's first get-out-of-debt community - 136,000 members

Posted: Sat Aug 05, 2006 9:04 pm Subject:

April,

There is a link to my email addy on my blog. I have done extensive research on this company and I would be happy to send it to you.

Peace,

Polly

inside man · Posted: Sun Aug 06, 2006 5:41 pm Subject:

Yes we do get sued but no we don't loose any because what we do is legal and not fraud but if anyone here has a specific problem, please let me know and I will do anything I can to help you rectify the situation, If you provide me with your full name and the last 4 digits of your ssn# I can look up your file and show you where you went wrong and how to fix it. also a phone number where I can call you would be more helpful. I am an honest person and all I want is to help because our company offers a service and I stand behind what we do. All problems are do to a lack of understanding by the customer or human error on the agent. But like I said, They all have a simple explanation. Try me and I can prove it to you.

Posted: Sun Aug 06, 2006 5:43 pm Subject:

Read the United Kingdom Consumer Credit Act...please for the love of everything that is good and holy...you will see how honest your employer is.

While you are at it, check out NACHA and GATT.

April · Posted: Tue Aug 08, 2006 6:31 pm Subject:

I have an idea...why don't YOU GIVE ME a phone number where I can personally speak with you? First of all, I'm not a customer, err, victim, of yours. I'm a lawyer representing one. You guys have not only my info, but my client's as well.

As far as where he "went wrong", I can tell you that. He "went wrong" by ever doing business with you in the first place!

Where you have gone wrong is by continuing to contact my client despite his and my repeated demands that you do not do so. That is a violation of several state and federal laws - TO WHICH YOU ARE SUBJECT.

You've also gone wrong by f**king with the wrong people. Maybe you should add "are you living with a lawyer" to your list of questions you ask applicants.

April · Posted: Tue Aug 08, 2006 6:33 pm Subject:

Thanks, Polly. I've actually been to your blog and used the info I found there. Thanks!

Have you had any success in getting Cash Today or any of their subsidiaries to leave you alone?

Another Victim · Posted: Wed Aug 09, 2006 7:52 am Subject:

Inside Man-

First of all, during your "application process" your company never discloses that you are located in the U.K. to the applicant. Don't try and dispute this point with me- I can assure you I was never told where your company is located. Second, your entire "application" process is conducted over the phone, which violates the full disclosure clause required of lenders for just about every where in the U.S. Third, your company, which can very rarely be contacted as it is, ignores practically every attempt by its customers to make any sort of payment arrangement, and then violates debt collection laws by making all sorts of inane threats in the hopes that you will scare someone enough into handing over money. Fourth, there have been several instances in which one of your customers/victims have had their account debited on the wrong days, for the wrong amounts, or had multiple debits done in the same day, all of which violate the very loose "agreement" you had with your customers in the first place. Yet you say your company violates no laws and does not engage in any unfair practices- which could only be true if this is the way that business is conducted in the U.K., which I know for a fact is not the case, and had no legal constraints on lending to citizens of the U.S., which again, is not true. You are bound by certain laws in the U.K. and you are certainly subject to laws in the U.S. How can you possibly continue to contend that your is in the clear? The only thing that I can figure out is that you either live with you head stuck down in the sand and just deny everything that's happening, or you've never heard of concept of "international law" and its purpose in regulating business transactions that take place across the world.

inside man · Posted: Wed Aug 09, 2006 11:33 am Subject:

We have a QA team that listen to every recording of the loan process and they will not send out a loan if the agent misread or misinformed the customer in any way as to the conditions of the loan. You were read 6 legal statements. After each legal statement you had to agree by stating your name and the days date. You ageed to everything and you were told that the conditions were under the jurisdiccion of the british courts. Obviously you were not listening to what the agent was saying and you just agreed because you really were only thinking about the money at the time like most people are. Don't bullshit me about not being read the t&c of the loan because you were.We record everything so ignorant people like you don't try and say they were not told this or that. Ask your lawyer to ask for a recording of the contract in writing so you can listen to your stupid self agreeing to the T&C of the loan. I will be posting the entire verbal contract within the next couple of days so all you ignorant people who swear we have cheated you can underatand exactly what it was you agreed to. In cases were a system error caused more money to be debited than it should have we always give a refund.

Another Victim · Posted: Wed Aug 09, 2006 1:12 pm Subject:

Well, Inside Man, you certainly are an unpleasant little person. I never insulted you or called you names in my post, as you just did in yours. As far as I'm concerned, you've just proved how unprofessional and morally reprehensible your company, and now you, are. I am neither ignorant nor stupid, and do not appreciate being called so by someone who works for the modern day equivalent of a loan shark. I can assure you that your company has mistreated enough people at this point to ensure that they will be facing legal action soon- and not from a bunch of illiterate rednecks, as you apparently seem to think we are, but from people who have logged countless hours researching your company and the laws that apply to these types of transactions, both in our country and yours. And since you seem to be so sure of your self, answer a question: If your company really is in compliance with all the laws that pertain to internet payday lenders, then why do the BBB, Attorney General's Office, and Consumer Credit Commissioner's Office all seem to think that we have a solid case against your company? And although you managed to write and insulting paragraph above, why have you not answered any of the questions asked of you? Why does your company have a website with no contact information and links that only have dead ends? Why does your company not provide a hard copy documentation of the loan terms so that the lender can abide by the terms or protect themselves when things go wrong? Why does your company refuse to publish legitimate contact information so that customers can reach you? Why does your company refuse to make payment arrangements? And finally, why do you feel it's necessary to dodge these questions that have been repeatedly asked of you by responding with a paragraph of what essentially consists of immature insults and empty boasts? One final thought- don't insult the people on this website. It will be your mistake if you write off the people here as ignorant, because I can assure you that there are intelligent and dedicated members in these forums who are not only out to protect themselves but also the interest of others by preventing companies like yours from doing business in the future. This is not some band of hippies cooking up revenge plots in somebody's basement- these are people who either are or have hired attorneys for the cause and have begun presenting their cases to the appropriate branches of the United States Government, and who are starting to get real results.

christy0076 · Posted: Sat Aug 12, 2006 1:59 pm Subject:

and how can someone "hear" anyone from your company say anything about "british laws" when no one there speaks clear english on any sort of level??? And you ask them to repeat and they get angry.

April · Posted: Sat Aug 12, 2006 3:08 pm Subject: THE LAW

As "another victim" stated, it is in fact the law that contracts such as these must be in writing and signed by the parties in order to be valid and enforceable. And a transcription of a verbal contract doesn't count.

But since you brought it up....who do I contact, and how do I do so, in order to get a transcription of the illegal verbal agreement which my client made with you? Please advise (failure to give me this info will result in my assumption that you've lied about my ability to get the transcript).

BTW - even if you had obtained a signed written agreement from my client, it still would have been illegal for a host of other reasons already discussed here.

christy0076 · Posted: Mon Aug 14, 2006 7:23 am Subject:

anyone gotten one of these in email yet?

Posted: Mon Aug 14, 2006 7:40 am Subject:

They must have recently changed their approach to email collections- they sent me an email about two months ago threatening me with everything they could possible think of, and they never mentioned they'd be willing to make payment arrangments. If you go to make payment arrangements with them, MAKE SURE you get something from them in writing, because Route 66 makes their money by trying to conduct all their business over the phone so that their customers have no idea what's going on. Route 66 seems to routinely break all sorts of laws, so please be careful dealing with them. My email from them was a lot more nasty than yours, so maybe you'll have some luck in dealing with them. If you don't mind, keep us posted on how it's going with them. Good luck!

Posted: Mon Aug 14, 2006 8:23 am Subject:

I actually got them to list my loan as "Paid in Full" by sending them a letter. I had paid them $711 in interest fees alone on a $200 loan. Last week, they left a message on my phone that they would be generous to me and mark my loan paid in full. I emailed them and told me to send me an email confirming the account was closed and no more payments would needed.

christy0076 · Posted: Mon Aug 14, 2006 9:10 am Subject:

Well I don't plan on dealing with them at all. I wanted to pay them in full on July 18th but I needed to send a money order and they efused to accept it. I was told by "Jackie" that I will accrue the $79 fees until I get a new checking account open. I informed her I was not getting a checking account and if I did I would not give it to them ever again. She got very angry practically yelling at me that it is not her fault my checking account is closed and I agreed to pay them through a checking account. I told her if she wanted her money to tell me where to mail it and she refused. Told me if I did mail a money order they would refuse it and send it back, so I have done nothing and plan on doing nthing about the money I owe them until they decide to talk like rational human beings, and yes, this email was a lot nicer than how they have been acting in the past. When they call me at work or on my number I say nothing to them and hang up, I won't tolerate harrassment of any kind like that.

Zygon

Zup...
GOD, I want to tell all us guys every thing about this fucked up company...shit good luck trying to find us in london....just email me at email address removed as per forum rules - Mike...
but u all got to help me out thow, cause i work there...just make an agreement with me and then close ur account...but u cant do that after u find me helpfull....

Posted: Wed Aug 16, 2006 6:25 am Subject:

Are you saying you want to be helpful to the people on this website?

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