I filed a complaint with the better business bureau and here is the response that I received from them I originally borrowed 250.00 and so far have paid 560.00 and they wont mark my account paid in full or give refund read on...

this is there response from the BBB

Enter Your Samebox Message:

Call the company. You should ask for an itemized statement with all the previous payments on it. It is necessary for you to know how they are calculating your account and showing an outstanding balance, even after paying $560 on a $250 loan. You may need your state laws in this regard.

Enter Your Samebox Message:

Gee, isn't that a crock of bs?? Are they going to get away with this??

Enter Your Samebox Message:

I also filed against them and received a similar response but mine included them calling me a fraud. So now we keep going back and forth with responses through the BBB because I keep rejecting their responses. Please also file a complaint with them with the Oklahoma Dept of Consumer Credit.

Enter Your Samebox Message:

here is what their "agreement" said
ANNUAL PERCENTAGE RATEThe cost of your credit as a yearly rate. (e) 644.12 %
FINANCE CHARGE The dollar amount the credit will cost you $75.00 Amount Financed The amount of credit provided to you or on your behalf. $250.00
Total of Payments The amount you will have paid after you have made the scheduled payment. $325.00

9-12-06 250.00 deposit
9-29-06 75.00 debit
10-13-06 75.00 debit
10-27-06 75.00 debit
11-09-06 75.00 debit
11-14-06 30.00 debit
11-24-06 75.00 debit
11-24-06 50.00 debit
12-08-06 50.00 debit
12-08-06 60.00 debit

i have paid them a total of 565.00

Enter Your Samebox Message:

Tell them to bite you. If you have paid that much dont give them another dime. Are they licensed in your state? Probably not. Reject it and demand they pay you. Kyside38

Enter Your Samebox Message:

__________________
RYDERS OF THE NIGHT

i told them I did not accept agreement filed rebuttal and filed complaint again with Oklahoma dept of consumer credit

Enter Your Samebox Message:

HERE IS WHAT THE BBB SENT ME FROM UNITED CASH LOANS..SO WHAT NEXT???

Enter Your Samebox Message:

v_padgett, have you filed with your state AG? I did and finally heard something yesterday from the Commission of Financial Regulation (Maryland). She told me that as long as I have paid the principle that I do not need to give them anything else because they are illegally lending in MD. She told me that she has previously sent this company a letter to cease and desist there actions. They are also keeping a list of all the complaints for this company and that if they keep demanding money to have them call her directly. She also stated that if they keep demanding to report them to the FTC @ 877-382-4357. PM me if you need more info. Good luck!

Enter Your Samebox Message:

my AG has not responded and its been at least one month..great to live in the state of illinois

Enter Your Samebox Message:

Tenn. attorney general office responded that they did not handled civil matters. They offered no help whatsoever to my complaint and to overpayments made to IPDLs. I am very disapponted with this response. I thought they were serious about bringing this type business down, but evidently not. I did file complaints online with Consumer relations department of state. But I have had no response from them either.

Enter Your Samebox Message:

I had the same reply from TN AG office also BUT I had a great response from the BBB in regards to UCL. The documents and responses will be posted on my blog site later this evening. I am so happy, UCL can bite the big one!

Enter Your Samebox Message:

Ashley2006 I would love to see your response through the BBB because I really wasn't getting anywhere with them.

Guest, try doing a follow-up call/email to check the status.

Atm/guest- That is unfortunate and rather wierd. Maybe someone on here from TN can be of furter assitance. Hopefully the consumer relations dept in TN will offer some assistance. Are PDLs illegal in TN?

Enter Your Samebox Message:

http://www.debtconsolidationcare.com...pdls-laws.html

it looks to me like you may have complained to the wrong parties. Have you tried the info listed above? Sounds like maybe the Attorney General in TN is not responsible for payday lender regulation, but the Department of Financial Institutions is. I would take that route next, and include all the documentation that you have.

Enter Your Samebox Message:

__________________
A journey of a thousand miles begins with a single step...and becoming debt free is a journey!

No, I received letter from DOF and they also said I would have to pursue in civil court.
Thanks for everyone's help!

Enter Your Samebox Message:

Oh that is ridiculous which is why I wish that they would cut these guys out all together. But I wouldn't stop hounding them until you get your account paid in full. So what if you applied for the loan and participated in their repayment program. If they would stop that repayment program where you would only pay interest or if pay down with the interest. They were eating away at your finances.

You cannot allow them to do this to you. But I am glad that you wrote your post because even though I have them in debt consolidation, I need to know what I am left owing on my account.

Enter Your Samebox Message:

__________________
The Best Way To Be Is Debt Free
and Alexandra is becoming free!


http://alexandra.yesdebtfree.org