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Posted: Wed Oct 18, 2006 9:46 am Subject: Cash Transfer Centers

I need someones help who "has" dealt with Cash Transfer Centers.

I just got he harrassing phone call at work today after speaking with a Helen Downey 2 times and letting her know that I will pay half of the $820 this friday on payday and the next half 2 weeks from Friday and she told me that she would talk to her supervisor and see what she could do....then today I got a call from some lady named Lisa threatening me wage garnishment and asked why I couldn't pay the whole amount and I said because I have other bills. She then just kept belittling me and I finally broke and hung up on her. Now I am sitting at my desk in shaking & in tears and I don't know what to do. Please help!

And now they have contacted my HR dept and emailed them too.

Posted: Wed Oct 18, 2006 10:07 am Subject:

Tiana

You should probably send them a cease & desist letter, as well as a letter stating your revoking the wage assignment. If you're willing to pay this, state that in the letter.

How do you know they contacted your HR? Wage assignments are totally voluntary. So you should probably inform your HR that this has been paid, and that you've already revoked the wage assignment.

Regards
Mike

Guest · Posted: Wed Oct 18, 2006 10:12 am Subject:

I am sorry to hear this - I also tried to make arrangements with them and they would only take full payment, so I came here - got the info to send a letter, I did so and I haven't heard word one from them since. I have also notified my HR department and will challenge any attempt to garnish, you can do it!

Posted: Wed Oct 18, 2006 10:13 am Subject:

That was me, just so you know.

Posted: Wed Oct 18, 2006 10:17 am Subject:

Also, Cash Transfer Centers is not licensed in many states. You may want to check to see if your state is even allowed to do payday loans, and then check to see if they're licensed.

Posted: Wed Oct 18, 2006 10:23 am Subject:

I know they contacted my HR dept because they called him and he gave her his email address not knowing why. So then she sent the email to my HR guy with my supervisor's name on it. In the letter below they state that I am not willing to work with them yet I have given 2 dates that I would pay the total. They won't give me information for Western Union or Money Gram. I just don't know what to do.

Posted: Wed Oct 18, 2006 10:46 am Subject:

How much was your loan for? Although this is quite embarassing, you can tell your employer that you're dealing with this issue, and that the loan has been paid.

They can still hit your account, even if your employer agrees to wage witholding.

Posted: Wed Oct 18, 2006 11:03 am Subject:

Basically, you don't want your payroll to allow CTC and debit money from your account. You will have to explain this situation to your employer so that they are alert when CTC tries to do a debit. You must also send a wage revocation letter to the company and a certified copy to your payroll. This revocation letter will stop them from doing any sort of activity in your account. I will ask the same question that Mikey asked. How much is the actual loan taken and how much have you paid so far? Which state are you in?

There is a long thread on CTC and their illegal activities. You may be interested in reading a few.

http://www.debtconsolidationcare.com/forums/about3377-11.html

http://www.debtconsolidationcare.com/forums/about11400-1.html

Posted: Wed Oct 18, 2006 11:16 am Subject:

My loan was for 762.00 total but they tried submitting it to my bank acct 2 times so they tacked on 2 nsf charges of $29 ea for a total of $820.00

I have already closed my checking acct so they can't continue trying to hit it because it's no longer open. They don't have my new acct # and never will. Now I am just trying to figure out how to pay the 2 payments and know that once I have paid the full $820.00 they will quit harassing me.

Posted: Wed Oct 18, 2006 11:29 am Subject:

You don't need to go into great detail about the loan. All your payroll department needs to know is that you have sent a 'revoking of wage assignment' letter.

Posted: Wed Oct 18, 2006 11:32 am Subject:

The PDL try to at least get 1/2 of their money back each pay period. So if you only have 1/2 of it in there, they'll get that, and only tack on one $29 NSF fee. This will continue for at least 3 more pay periods. I'm surprised they started contacting your work so early.

Have you tried speaking to a supervisor about this issue? Was there a good reason for you not to pay on time? If you're cooperative with them, perhaps they can wait till your next pay period.

I would suggest penny pinching for awhile. Somehow make your budget work. Eat simple for awhile. But do not take out another payday loan to cover this one. It won't work.

Regards
Mike

Posted: Wed Oct 18, 2006 12:54 pm Subject:

Mikey - Are you saying that Cash Transfer (also known as ECare Centers) can still hit my payroll check if the HR department refuses the wage assignment? I didn't quite understand your post saying something to that effect?
Thanks

Posted: Wed Oct 18, 2006 1:27 pm Subject:

From someone who has done research on this company, let me add my 2 cents worth.

Send CTC a revocation letter, both by certified mail and by fax.

Send all your information to the address listed below. I have also included a telephone number.

Ms. Kimberley DeThomas, President
Payment Services
c/o E-Care Contact Centers
400-15225 104th Avenue
Surrey, BC
V3R 6Y8

This is their phone number.
(604) 588-2260
Fax Number is 604-587-6339 Attention: Payment Services

Posted: Wed Oct 18, 2006 1:38 pm Subject:

Chagrin, the only way they can hit your paycheck after HR has sent it back and denied it is by a court ordered garnishment. Hope that helps.

Posted: Wed Oct 18, 2006 3:27 pm Subject:

Well, I checked today with HR and they advise that nobody has attempted any wage assignment or garnishment.
I already faxed it to them but now I will fax and mail my letter. It's kinda eerie, they haven't tried to contact me since I sent my last fax to them, like the calm before the storm. I wonder if they are waiting for my payday, to try my account again.

Posted: Wed Oct 18, 2006 3:33 pm Subject:

Does anyone have the information to do a Money Gram or Western Union. I just want to get this taken care of. Granted I still am going to continue what I told them of paying 2 times (once in 10/20 & the other half on 11/6). They can't use their so called recordings against me because I told them that was my plan that is what I am going to carry on and do. I figure by the time they were to "maybe" send my employer a wage garnishment (which my payroll told me won't be valid with out a court order and the contact me before they agree to it) I will have them paid off. She tried telling me that it is going to go against me on my credit report. I used to do collections, then can send it but I have 30 days before it acutally affects my credit score. Leesa didn't like hearing that I knew the collection laws. I used to be in that field. She just got to me because I didn't have my guard up. I won't let her do it again.

But if anyone has the western union or moneygram info please forward it on. Like I said I just want to get them off of my back.

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