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 Posted: Tue Mar 13, 2007 9:10 am Subject: Letter to One Step Cash |
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I am going to send this in email and USPS if everyone thinks it sounds good. Any feedback is appreciated-this is my first time doing this and I am terrified!
| Quote: | To Whom It May Concern:
As of today March 13, 2007, I revoke authorization from One Step Cash, or any representative, parent company, affiliate, or subsidiary of One Step Cash, to withdraw any funds from the checking account under the name of ******, account number ****** located at ******* Bank.
Your company is in violation of Ohio Rev. Code Ann. §§ 1315.35 et seq which states that there is no rollover allowed and may only charge interest rates of $15 for every $100 loaned. Please see the below Ohio laws on cash advances.
Legal Status: Legal (Applies to check cashers only)
Citation:
Ohio Rev. Code Ann. §§ 1315.35 et seq.
Loan Terms:
Maximum Loan Amount: $800
Loan Term: Max: 6 months
Maximum Finance Rate and Fees: $10/$100 + 5% per month
Finance Charge for 14-day $100 loan: $15
apr for 14-day $100 loan: 390%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot refinance)
Cooling-off Period:
Repayment Plan:
Collection Limits:
Collection Fees: Bank charges (if disclosed); $20 collection charge; Court Costs; damages
Criminal Action: Not Specified
Where to Complain, Get Information:
Regulator: Ohio Division of Financial Institutions
Address: 77 South High Street, 21st Floor Columbus, OH 43215
Phone: (614) 728-8400
Regulatory Contact: Robert M. Grieser,, Deputy Superintendent for Consumer Finance
http://www.com.state.oh.us/dfi/
Your company originally loaned me $300. I have since paid a total of $360, resulting from 4 debits to my bank account in the amount of $90 a piece on 1/15/07, 1/31, 2/15, and 2/28. I have actually overpaid your company by $15. Your company solicited, accepted, and transacted business with a citizen of the State of Ohio, thus you are subject to the laws of this state including the rollover and interest laws. I am expecting One Step Cash to mark the account under the name of ******* ‘paid in full’. At no time will One Step Cash. any representative, parent company, subsidiary,
or affiliate of One Step Cash, place any derogatory mark on my credit report with any credit bureau, nor any other check writing database, such as Teletrack or an equivalent database.
All correspondence as of today, March 12, 2007, shall be in written form either through the email address, ********, or via The United States Postal Service. Please acknowledge receipt of this letter, and acknowledge acceptance of, and willingness to adhere to the settlement described above, in writing, within 24 hours of receipt.
I appreciate your cooperation in this matter. |
Please everyone, tell me if there is ANYTHING else I need to include, or anything I need to take out. Thanks!!!!!
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Sassnlucy
Moderator
Joined: 12 Mar 2007
Posts: 2620
Debtcc Points: 28250
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| Posted: Tue Mar 13, 2007 9:36 am Subject: |
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add in there that you are revoking any voluntary wage assignment that you may have signed...
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Leah
Debt Samaritan
Joined: 04 Mar 2007
Posts: 2333
Debtcc Points: 50556
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| Posted: Tue Mar 13, 2007 9:38 am Subject: |
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ok thanks, I will do that now. How does it sound otherwise?
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Sassnlucy
Moderator
Joined: 12 Mar 2007
Posts: 2620
Debtcc Points: 28250
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| Posted: Tue Mar 13, 2007 9:50 am Subject: |
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SOUNDS GOOD EVEN BETTER THAN MINE...iM JEALOUS...LOL
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Leah
Debt Samaritan
Joined: 04 Mar 2007
Posts: 2333
Debtcc Points: 50556
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| Posted: Tue Mar 13, 2007 10:04 am Subject: |
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OMG I am shaking....I'm gonna email it to them right now! Any final thoughts from anyone?
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Sassnlucy
Moderator
Joined: 12 Mar 2007
Posts: 2620
Debtcc Points: 28250
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| Posted: Tue Mar 13, 2007 10:10 am Subject: |
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Just remember to be strong....They will harrass you until they realize you are not going to back down..
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Leah
Debt Samaritan
Joined: 04 Mar 2007
Posts: 2333
Debtcc Points: 50556
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| Posted: Tue Mar 13, 2007 10:22 am Subject: |
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Just remember that it is going to be ok. All the knowledge you have received will come in handy when the time comes and you will be surprised how stong you can be. Good luck!
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2nband
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Joined: 30 Jan 2007
Posts: 2135
Debtcc Points: 36300
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| Posted: Tue Mar 13, 2007 10:23 am Subject: |
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what is their email address pm it to me please..because they have only communicated to me by phone
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nasdam007
Joined: 04 Mar 2007
Posts: 123
Debtcc Points: 2441
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| Posted: Tue Mar 13, 2007 10:58 am Subject: |
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I will PM it to you because I don't know if I'm allowed to post it on here.
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Sassnlucy
Moderator
Joined: 12 Mar 2007
Posts: 2620
Debtcc Points: 28250
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| Posted: Tue Mar 13, 2007 11:16 am Subject: |
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I just sent the letter to them by email. Wish me luck!!!!!!!!
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Sassnlucy
Moderator
Joined: 12 Mar 2007
Posts: 2620
Debtcc Points: 28250
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| Posted: Tue Mar 13, 2007 11:57 am Subject: |
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Did you p.m me the email address.. i checked and its not there
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nasdam007
Joined: 04 Mar 2007
Posts: 123
Debtcc Points: 2441
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| Posted: Tue Mar 13, 2007 12:00 pm Subject: |
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I just sent it to you again. Let me know if you don't get it.
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Sassnlucy
Moderator
Joined: 12 Mar 2007
Posts: 2620
Debtcc Points: 28250
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| Posted: Tue Mar 13, 2007 12:03 pm Subject: |
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Sassnlucy ~ it might take them a little bit of time before they respond to you. I ended up sending things 3 times before I heard back from some of the people. I was constantly checking to see if I got a response from my emails. LOL I was scared and anxious all at the same time. Deep breath and relax. 
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2nband
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Joined: 30 Jan 2007
Posts: 2135
Debtcc Points: 36300
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| Posted: Tue Mar 13, 2007 12:15 pm Subject: |
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Thanks 2nband.......I'm trying hard to relax! In the meantime checking my emails every 5 minutes LOL!
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Sassnlucy
Moderator
Joined: 12 Mar 2007
Posts: 2620
Debtcc Points: 28250
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| Posted: Tue Mar 13, 2007 12:18 pm Subject: |
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thanks for the email address sassnlucy.. got it
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nasdam007
Joined: 04 Mar 2007
Posts: 123
Debtcc Points: 2441
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| Posted: Tue Mar 13, 2007 12:19 pm Subject: |
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How funny!  Sounds like what I did and sometimes still do, with Route66. I think once I get them off my back, I should be ok. So far I have not heard back from UnitedCash Loans or 3 Midland. Just got an "Unknown" caller on my cell phone, so I have a feeling it was Route66, but no message was left. I am hoping that I am on the home stretch.
Try to find something to occupy yourself away from your email and that might help. Keep us informed.
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2nband
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Posts: 2135
Debtcc Points: 36300
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