| Message |
Author |
 Posted: Sat May 19, 2007 11:40 am Subject: Undecided on how to handle UCL and One Click |
|
|
Hi everyone,
After reading the posts about OK (and CA) requesting ceast and desist for Rio/MTE I am undecided about what to do regarding loans with UCL and One Click Cash-I've already defaulted on UCL and about ready to default on OCC and need someone's opinion. Once I get my account closed, should I request PIF from both of these? Or should I just let T&C handle them? What do you think my chances are of getting PIF? I have overpaid on both but was almost done with them. Should I bother?
|
|
fastcheese
Joined: 19 Jun 2006
Posts: 57
Debtcc Points: 2361
|
|
|
| Posted: Sat May 19, 2007 12:29 pm Subject: |
|
|
Well first lets cover all the bases here...
What state are you in?
how much did you borrow from them ?
how much have you paid back to them total?
_________________
Passion...it is born...and though uninvited, unwelcome, unwwanted...like a cancer, it takes root. It festers. It bleeds. It scabs...Only to rupture and bleed anew. It grows...it thrives...until it consumes. It lives...and so it must die....in time.
|
|
Leah
Debt Samaritan
Joined: 04 Mar 2007
Posts: 2333
Debtcc Points: 50556
|
|
|
| Posted: Sat May 19, 2007 12:42 pm Subject: |
|
|
I am in AZ. I borrowed $200 from each and I have paid $445 on each. The way I figure it is that after the 3rd rollover of $60 each the fourth rollover they did was illegal and what I paid should have gone towards the principal. I figure both owe me $125 in overpayment if it's based on $30 interest on $200 loan legally. Did I calculate this correctly?
|
|
fastcheese
Joined: 19 Jun 2006
Posts: 57
Debtcc Points: 2361
|
|
|
| Posted: Sat May 19, 2007 1:41 pm Subject: |
|
|
Let me go look at your laws...
_________________
Passion...it is born...and though uninvited, unwelcome, unwwanted...like a cancer, it takes root. It festers. It bleeds. It scabs...Only to rupture and bleed anew. It grows...it thrives...until it consumes. It lives...and so it must die....in time.
|
|
Leah
Debt Samaritan
Joined: 04 Mar 2007
Posts: 2333
Debtcc Points: 50556
|
|
|
| Posted: Sat May 19, 2007 1:44 pm Subject: |
|
|
Yes it appears that you have caluclated correctly...send them a letter revoking their right to debit your account, revoking any voluntary wage assignment you may have signed, and state your states laws and demand them to mark your account pif...you may request a refund but if they send you one..DO NOT CASH IT AT YOUR BANK...take it somewhere else like a liqour store and pay the fee to safeguard your new banking information! They probably will not send one to you anyway. Also, file a complaint with your attorney general on them
_________________
Passion...it is born...and though uninvited, unwelcome, unwwanted...like a cancer, it takes root. It festers. It bleeds. It scabs...Only to rupture and bleed anew. It grows...it thrives...until it consumes. It lives...and so it must die....in time.
|
|
Leah
Debt Samaritan
Joined: 04 Mar 2007
Posts: 2333
Debtcc Points: 50556
|
|
|
| Posted: Sat May 19, 2007 1:45 pm Subject: |
|
|
Also, you will have to be persistant with them and do not let them intimidate you...they will threaten you with all sorts of lies JUST REMEMBER THEY ARE LIES!
_________________
Passion...it is born...and though uninvited, unwelcome, unwwanted...like a cancer, it takes root. It festers. It bleeds. It scabs...Only to rupture and bleed anew. It grows...it thrives...until it consumes. It lives...and so it must die....in time.
|
|
Leah
Debt Samaritan
Joined: 04 Mar 2007
Posts: 2333
Debtcc Points: 50556
|
|
|
