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One Click Cash harass with nasty phone calls – How to stop them?  

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Has anyone dealt with this company One Click Cash payday loan my husband took out a loan and is terminally ill and I have paid the money back in payments and this woman MRs.Ragsdale is nasty calling me telling me I owe 200.00 more which makes the loan over 200.00 of what is owed.
 

asked Feb 28, 2006 12:24 PM

Anonymous
Best Answer
27
best answer

First of all, this "company" is an "Indian"--(as in native-american) "tribe". What you must understand is that --- Literally NONE of the usual consumer protections will help you if they are harrassing you. This is because they are considered a "soverign government entity".

If you want to get them off of your back, this is what you should do...

1. close the account that they are bleeding you from.

2. Inform them that you will only pay them via money order, and insist on an address to send it.

3. Agree on a FINAL amount...(no more interest, no more fees) to END the "debt" once and for all.

4. Instruct them to only deal with you via mail...no more harrassing phone calls. If they do not agree to that, than, talk to your phone company about blocking their number.

5. GET HARD-CORE ROUGH with them.....Do NOT let them push you around....

6. What you MUST understand is that they do not recognize ANY of the laws & consumer protection rights that any other "creditor" is required to recognize......So...

7. YOU are NOT obligated to recognize any of their "laws" either......This is VERY important, to understand....In the case of dealing with an indian tribe, here in the US...It is the same as ...say...dealing with ...say the country of France, or Tris Dan Decuna (this is a real soveirn entity---look it up)...or some other foreign country...

8. The only difference,,,is that indian tribe pay day lenders---Do Not want to pursue you in open federal court...because, that would mean that they would have to recognize YOUR legal and consumer rights---and they don't want to do that...So.....

9. Stick to your guns,,,and insist on resolving any problems with them as I have above laid out. They will either go along with it---or eventually drop the whole matter completely....But don't let them scare you or intimidate you...Get "HARD" and "FORCEFULL" right back with them---

10. Believe me, they do not want any "light" to shine on them or their strange, unfair and illegal lending practices---they will back off...

11. And one other thing that will help you to, is to file a BBB complaint against them. But when you do this, be sure not to include your email address (if you have blocked their telephone calls or emails, as listed in one of my above items).

12. REMEMBER: This tribe is not respecting ANY OF YOUR RIGHTS!!! You are not, therefore obligated to respect ANY OF THEIRS"...

Good Luck...

Frank B.

answered Apr 9, 2010 02:51 PM

Anonymous

99 Answers

1

1.) If they call, tell them you dont remember taking out the loan (in my case, the alleged loan occured in 2006, they didnt contact me until 2009) Ask them for the loan documentation showing your signature and previous payments and so forth.  They want that in writing.  I faxed it over to them requesting said information.  I havent heard back since.  No documents no pay PERIOD. 

2.) let them know you wont be recieving anymore phone calls from them, they can contact via mail.  Actually I told them they can fax all the documentation to me, I will not give them my address, email or home telephone number. If they dont comply, they dont get paid, no exceptions.

3.) Ive researched these thugs (the first guy that called me tried to be an asshole, I AM however, a MUCH BIGGER Asshole than he could ever be so he ended up hanging up on me. (lol) The second guy was very nice and cooperative, so I was nice and cooperative (see how that goes?)

And I can not find anything about them that makes them legal.  They never complied with my written request, therefore I will not continue to acknowledge them as a legal entity.  I also asked both guys to give me a physical address.  Niether gave me one, they said they can only recieve money via checking account.  Shame, I dont give out my checking account information, guess they dont want to get paid, if said loan did in fact occur, I dont know, havent seen proof yet..

4.) Do not sweat these people. they go away when you confront them and dont back down!

answered Jun 8, 2010 03:24 PM

Anonymous
1

Anonymous

 

This is what I did in 09, the phone number to One click cash is 1-800-230-3266

the fax number is 1-888-553-6477.

Contact them 3 days before your payday (send them a fax) saying you want to pay off your loan in full, make sure the funds are there.  After they take it out of your bank account go to your profile and look up your loan status if it reads paid in full  and dates the day your loan was paid print that page, and keep for your records,

if they try to get more money you have a your copy and all you do is find a nice lawyer(american Indian) like I did who

found away for them to not only pay court cost, but his fees, but put nice  figures in my new account.

answered May 4, 2010 01:01 PM

Anonymous
1

victim of identity theft and just the last few months, been getting repeated calls from this business telling me them I owe $465 and failure to do so, can lead to legal action. I live in Washington state and looking over the current laws for lending on the books as well as Nevada, this is not possible, not to mention I have a police report for a much similar incident that happened in Dec 2006. I will just say they can call and threaten me all they want, but I will be damned if they are gonna get any money from me, regardless what comments they make. When they call you, there # appears on the caller id like this: 00010100101010 which for one I don't answer calls of this nature, but as it stands they have been calling once or twice a day.

answered Nov 29, 2007 12:21 AM

Anonymous
0

ONE CLICK CASH MY ASS ONE CLICK THELVES AND IILEAGAL PRACTICES  STEALING PEOPLES MONEY LOAN SHARKS MORE OR LESS. THESE PEOPLE NEED TO BE STOPPED    

 

TAMMIE ALDRIDGE A VICTIM OF ONE CLICK CASH

answered Oct 4, 2011 10:19 AM

Anonymous
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FUCK THIS COMPANY NOTHING BUT FUCKING THEIFS AND LOAN SHARKS

answered Oct 4, 2011 10:14 AM

Anonymous
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one click cash is some straight up buulshit they got me fuckrd up they just don"t know with whom there dealing. But their about to find out, I'm calling and telling everybody about this funny business they got going on they just don't know what kind of trouble is coming to them. they are about to be sued for illeagally charging people more than what they borrowed, thet are really loan sharks, thats why they are not licensed in any state, thats why they charge the fees that they charge. because thet dont have to answer to anyone if their not licensed in any state. Lets just call the kettle black, their nothing but common theifs who pray upon people that in a moment of weakness that had some money trouble needed their help, and they have done nothing or are doing but taking advantage of people and stealing yes I did say stealing their money. Cause once they have gotten back their money theres no need for them to continue to take money out of your account deducting 3 and 4 times the amount of money that you borrowed from them. These people need to be stopped and their doors closed for ever and to becareful of this type of company that they don't operate again under a different name and resume with their illegal practices.

answered Oct 4, 2011 10:12 AM

Anonymous
0

I've been searching for their address and glad I looked here.  I took out a loan for $350 in Feb 2011 and have been paying every month since.  I'm disabled and on fixed income and ran in to financial trouble.  I cannot afford to keep paying these outrageous amounts each and every month.  They automatically deduct from my checking account.  These people are rip offs!  I have no other choice but to close my bank account so they don't suck me dry.

answered Aug 31, 2011 06:56 PM

Anonymous
0

Just be straight forward with your bank. Explaing everything. Close your account, and monitor it.

I closed mine, but before doing, I made sure that all my private information was changed with my PDL companies. I called them and changed all my references phone no., my work no. and my phone no.

Then after I closed my account and reopened a new one, I send them all nice letter that is posted on this forum (all 3 PDL that I have: Easycashonline (camosun), OneClickCash, and Plain Green). All these companies are illegal to do business in FL.

Let me tell you that if it wasn't for this forum and all its information, I wouldn't have been able to do it. It sure feels GOOD to see your hard earned paycheck deposited into your account, and not see those PDLs deducted!

 

I hope you resolve your issue promtly!!

 

Best regards,

Sandra Galinanes

answered Aug 19, 2011 02:45 PM

0

I agree with what everyone is stating about ONE CLICK CASH,  I took out a payday loan of $300.00 and every two weeks this company was debiting 95.00 from my account.  I started  paying back at 50.00 increments. so they were taking out 95.00 + 50.00 which totaled $145.00 every two weeks..  I bank with Chase Morgan Bank in Clackamas and decided I would closed the account and open another account with Chase and pay off the balance to One Click Cash via money order.

Both my bank and One Click Cash knows when my money was direct deposited in to my account and My Bank acted as Judge and Jury and allowed One Click Cash to debit the amount of $495.00  two days before my payday which overdrew my account and my bank collected $34.00 for NSF funds a total of overdraw in the amount of $528.00.  I called my bank to tell them I did not owe that much to ONE CLICK CASH. but the bank rep told me I had to talk with one click cash.  Who refused  to give me back the money.  I would think there would be a law against the financial institution for giving out monies from an account knowingly there were no funds in that account at the time.  Does anyone have any suggestions?  My Bank, Chase told me there was nothing I could do about it 

answered Jun 25, 2011 06:13 PM

Anonymous
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