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Posted: Sun Aug 12, 2007 11:24 am Subject:

sdchargers - what state are you in again?

Posted: Sun Aug 12, 2007 3:24 pm Subject:

Would they be able to sue after military service? I think it would also depend on the state's SOL for your debt and whether it had run out at that time.

Posted: Sun Aug 12, 2007 3:33 pm Subject:

That's the same question I was asking, KS...I'm not sure of the answer, though...

It seems to me that after you were discharged, if the SOL hadn't run on it, they might try to come after you. But I don't know - do you still have that protection as discharged personnel?

Guest · Posted: Tue Oct 16, 2007 4:21 am Subject:

they have done the same thing to me many times a day everyday and each time i talk to them they say they have not talked to me . even if it was just 3 hour before and the same person. i called her out on that and she hung up on me ! i am now 2 payments behind due to job loss and they are threatening to go after my spouses wages which are not much, threatening to take personal property . they are unwilling to work out anything they refuse to modify the loan even for a short time all they say they can do is defeer 1 of the 2 payments and they have given me until the end of the month or they will or they will start arrbitration

Posted: Tue Oct 16, 2007 6:00 am Subject:

Regarding Cash Call, I included them in my debt consolidation however they will still get their full payment. Unfortunately, because of when I signed up they did not get their payment on time and it did go past the 15th of the month. These people are just jerks. Everytime they call I file another complaint with the Attorney General in my state and CA. Also the Banking Commissioner and I have even gone so far as to send copies to First Bank and Trust. This is the bank that is on my loan papers with Cash Call. I have been doing this for the past couple of weeks. Then just to so they know I did this I fax them a copy of the complaint also. The collection tactics they are using with me are no where near what I have read about. They have said things to me like your account is now reg flagged and now we will not hesitate. When questioned what that means, they will not answer. I will say this again, this is the worst mistake I have made taking out this loan. Keep them accountable, file complaint after complaint with any agency you can think of.

Jonesj · Posted: Tue Jun 17, 2008 3:41 pm Subject: Cash call Scum

Amount Paid to Borrower Directly: $2,525.00

Prepaid Finance Charge/Origination Fee: $75.00

IF WE ALL GOT TOGETHER AND DID SOMETHING WE COULD MAKE IT STOP
I have been paying cash call for 1 year 1 month on a loan of 2,525.00 and will not be done paying it off until Oct 1, 2010 of a grand total of $9,163.37
ANNUAL PERCENTAGE RATE
The cost of my credit as a yearly rate
99.02 %
FINANCE CHARGE
The dollar amount the credit will cost me
$6,638.37
PAYMENT SCHEDULE
One payment of $285.88 on May 01, 2007.
40 monthly payments of $216.55 beginning on June 01, 2007.
One payment of $215.49 on October 01, 2010. Sad

FOUND THIS ON THE WEB!!!
I am currently employed at CashCall right now as a collector. Although, They are not a collection agency...the collections department is approx. 500 strong and growing. This is the most illegal collection department that i have ever worked for. I have met people who have worked for Shekinah and NCO who now work at CashCall, and they say we are 10 times more illegal. Everyday it is hilarious hearing not just one but all collectors telling 3rd party's or whoever answers the line that they are from the sheriff's, attorney's, legal department, fraud department, court house, and investigation department. They threaten suit, garnishments, actually anything they can think of. The crazy part about it is that all the management knows and they are ok with it. The motto there is "Do what you have to get the money". so whether you are 30-60-90 days late ...you will get these threats guaranteed. I don't consider these guys good collectors they are just total thugs. As a collector myself i never thought i would say this, but i feel bad for the debtor..96% interest. is that even legal.. If you are a customer with CashCall and you are late as little as 30 days...record the phone call,,,you will have an instant lawsuit. "

the company fails to provide copies of contracts or other disclosures concerning the terms and conditions of the loan agreements. Many customers complain that they are being charged userous interest rates in violation of the State law in which they reside. Other complainants report harrassment in the form of extreme or hardcore collection practices which they claim are unnecessasarily used. Customers report the company makes repeated calls to friends and co-workers used as references causing them embarrassment, distress, and jeopordizing their employment. Other complainants allege company representatives treat them like criminals, use threats and rude remarks concerning their families, and threaten them with physical contact if payments are not received.

The company responds to complaints by disputing the complainants allegations, claiming they act in accordance with all state and federal regulations. In some cases, they do issue credits. Allegations of abusive collection tactics are generally not addressed. "

REPORT THEM TO THE ATTORNEY GENERAL AND TO THE FTC

Written by Jack, on 17-05-2008 03:57

I work for them. I know they are worried about lawsuits. Our company has allowed the reps and associates to harrass the *** out of you people. Now that there's changes being made because of the lawsuits all of the reps are being watched very closely. Im not trying to justify anything. Blame Louis Ochoa for letting this all go down. Our CUSTOMERS never should have treated this way. They deserve better. He did nothing while reps were harrassing customers and threatning the customers with lawsuits. Finally Paul Reddam steps in because he dosent want to pay anymore lawsuits from the customers. It's to late Reddam. Your employees hate working there because of people like Ochoa who they cant trust. You work them like slaves and treat them like dirt. And now you wonder why the customers feel harrased? Put that carrot out there that we work so hard for and now you act like you care about the customer? Never. He only cares about MONEY. On behalf of the GOOD employees who actually care about our customer, I appologize for what you have to go through. Record everything. Keep track of multiple calls. Always remember, there talk is cheap. They lie about everything.

[color=Red][/color]

Posted: Tue Jun 17, 2008 6:23 pm Subject:

great info, can I ask where you found this?

Posted: Wed Jun 18, 2008 7:20 am Subject:

I don't really beleive that is true - I think it's more like someone is posting it because they hate Cash Call.

Cash Call has a lot of eyes looking at it because of it's interest rates. If it's collection dept was really like that, they'd have been shut down already.

Also, as far as the contracts go, I got one at the start of my loan, and every time I asked for a copy it was promptly emailed to me.

I had a Cash Call loan that went into defualt, and I never experienced any of that. I did get a ton of calls, and people that were trying to apply a lot of pressure to pay, but nothing as blantantly illegal as is posted above. They toe the line of legal and illegal collection tactics, not flaunt their illegality.

Don't get me wrong, I hate Cash Call with a passion. But that stuff posted above just isn't true in my experience. They are an awful company to deal with, but they manage to toe the line of legal to stay open.

Posted: Wed Jun 18, 2008 7:26 am Subject:

I found this also posted on some complaint boards - The exact post above. But I can't find where it is actually "posted on the web" . . . . Just where it has been reposted.

Posted: Wed Jun 18, 2008 7:33 am Subject:

Thank Goudah, I actually searched on-line last night and found the post your referring to also...So far they have called me a few times a day and sent a deferrment offer this week, but other than that, they haven't been that bad...at least not yet:)

Posted: Wed Jun 18, 2008 12:24 pm Subject:

Well I hope that isn't true like Goudah said, because they WOULD have been out of business already! I also seen this post on other threads as well. On the other hand, I am still not a fan of CC though Rolling Eyes