Interim Cash, Ltd.

Hi

Interim Cash is playing a hide and seek game on many people. They are operating from a different country and present them as a paperless company. It seems that you have a loan with them. Ask them for the statement of your loan account before you send your payment. The interest rates and fees should be within the state laws. If you compare it with your state laws, the total amount can be brought down to the actual charges since it is mostly disputed. Call the company at 1-800-865-3703 and ask for the loan papers showing the last payments done.

See this link also.

http://www.debtconsolidationcare.com/forums/ics-clarification.html

Interim Cash won't send you a thing..they claim to be a "paperless" company. All contracts are done via voice recorded phone calls...so they claim.
They will harrass you to the ends of the earth too, and they don't follow US laws in any way shape or form. (sorry flying heights, your advice is great and appreciated here, but I've had many run ins with these jokers!)
Best thing to do is get a name from one of those shmootzes, agree on a fee and send them a money order.
Make copies of this money order, write "paid in full" on it and make them tell you where to send it!!!

If you register here, I can pm you some more info on them that I don't dare post on here!

Hi bcs...

I'm dealing with them right now, and I'm so fed up, it's not true. They just pull a figure out of their backside, I'm thinking. What was your original loan amount and how much have you paid already?

They'll harrass and threaten like you wouldn't believe. I'd take erzeke's advice. Whatever you do, don't give them anymore of your bank details.

Hope you'll join the forum and let us know how it goes.

Tif..check your pm!

Quote:

I have to jump in on the Interim cash thing..

I know that most people have horrible problems with them, but they were a breeze for me, seriously.

I loaned with them in September of 2005. In January of 2006 I defaulted. That's 5 months of $160..You do the math!! I guess we (me and Interim) decided that I'd paid enough, and my debt was cleared. I haven't heard a peep from them since, and really don't expect to.

Last winter, a guy who claimed he worked for either them or one of their sister companies posted that they have a set amount that they plan on getting from their customers. Once you reach that amount they basically let you go. I'll try to find that link, it was some good reading.

http://www.debtconsolidationcare.com/forums/cashtoday-collections.html

cash today, ICS and Interim are one.

You are lucky! I have more than paid for my loan with them, but they don't care. They aren't competent enough to debit my acct. even though they have the correct info, so they send me emails after each attempt saying my bank refused the debit because the acct. doesn't exist. Whatever! They won't provide me with an address to send a money order, so stuff them.

I'm just waiting for the harassment at work to start.

I'm getting ready to start my battle with Interim...I've paid them over $700 on a $200 loan. Needless to say, I'm not giving them one more dime! I know it will be a tough battle, but I think I'm ready for it!

I know I've said it in other places, but I'm just really thankful to have found this forum! It's given me hope and by the end of work today, I'll feel totally in control of my money again!

Flying Heights..check your pm

This number by Interim that is calling you is actually Cash2day4u or Cash2day Limited. They are all have British accepts and the main phone line is 1-800-680-2177

Tiffany,
Did you send them a cease and desist letter?

No, I didn't bother doing that because they aren't based in the US, so I figured they'd give me the spiel about not being bound by US laws, etc. I turned it over to the debt settlement company I just started with and advised them that I've paid well beyond the principal and finance charge. The lady I spoke with told me they have an international lawyer that can handle Interim......I don't know

Hi, I'm BCS from above but am now registered. I am finally out from under Interim Cash. I'll tell you what happened. I arranged to make a $300 payment out of an old account that I was going to put money into to make them go away and not give them my new account information. I called the Credit Union and found out they closed that account due to inactivity (no negative balance). It had been too long to simply reopen it. So, I called my friends at Interim Cash and said I have just found out that account is closed. The guy said he already "carried my file" to the ACH department and it is gone. There is nothing I can do except that if it does not clear "it will cost me more." I call back in the evening and say explain what will happen, he lets me pay $270 since he says my bank will charge me a $30 fee for the ACH debit that does not clear. I give my new bank account number and they debit the funds. I get an e-mail from them telling me the $300 debit did not clear. I reply back and say I took care of it from another account. The guy who took my first payment arrangement calls me back and says it is urgent that I return the call. I called. The lady who answers takes my information and says that the loan "was not documented correctly that it needed to be closed after I paid." She said if I pay her $100 with an ACH debit, she will close my loan. I argued with her for 10 minutes that I am not paying another dime and it is not my fault the loan was not documented properly. She finally gave up and marked my loan closed. Today, I got an e-mail from Interim Cash inviting me to take out another loan with them doing a "less is more scheme" I can take out a $225 loan and my payments will be $5 less. This sounds like a great deal (for who) :-( Thanks for everyone who commented and gave me ideas. I got a $200 loan and settled out for $579 after having the loan for 6 months. I could have done better but could have been stung much worse.

Good for you! I'm trying to get out from under these folks too...I've paid them far too much already!

Congratulations on this HUGE step toward freedom!

Interim JUST called me. I totally forgot about the loan I took out with them in '05 for $200 now they say my loan is $2400!! Yeah right. Anyone know the address so I can send them a money order for $300? Because that is all I am sending!

I too am going thru probs with Interim, now it's up to calling my job daily. I noticed that there are two locations, I do need to send the cease and desist letter, but to where?

Same issues here with Cash Today. They are calling me at work. I closed my original account, I offered to send them what I could by Money Order which was $50.00 they said that I had to send $100 that if I sent the payment there would be no recored of that $50 on their end. I told them I would keep the recored of what I paid. They argued with me. I hung up on them and the called back quite a few times. Then they said they wererecording the conversation i said good then whoever listens to it will hear me making an arrangement and you refusing it, sounds like you don't want my money and that was the end. They called back and I refused to pick up. What should I do next? I owe them 375

I also am having problems with Interim and they call my job every day- multiple times. I DO owe them money still, and want to repay them, but they refuse to give me an address for a money order. I have closed my bank account because payday loan fees were eating up my paycheck and couldn't pay daycare, etc. I have a new account, but I won't make the mistake of giving them my bank account info again. Not sure how to resolve...

They haven't called me today at work or at home. I asked about sending a money order and they gave me an address, but they said it wouldn't count towards anything unless I gave them my new account information which I told them I wouldn't do under sny circumstances.

Just got another call from them and decided to answer. This guy says they can do moneygram but not money order or i can give them a new bank account. I thought about opening an account solely for this purpose and only putting in enough to pay them...has anyone ever done this? Thoughts? I know I've read people on here saying not to send a moneygram...

They called me too, they told me the same thing. I told them I won't pay outrageous fees for a moneygram, but will do a money order and they are not getting my account. They said that they won't accept the money order...so I told them they are refusing payment then. They will take payment my way or not at all.

Most online payday lenders will tell you they cannot accept money orders, only MoneyGram, Western Union, debit/credit card payment, or direct debit from your checking acct. This is totally false, I would advise to get an address and send a money order, regardless of what they tell you. I haven't heard of a payday lender yet, who refused the money order when it was sent and didn't cash it.

One issue with Interim is that they're based in the UK even though they have an address or two in the US. They will call you repeatedly, jack up the amount you really owe, and threaten all kinds of things, but stand firm. If you've paid more than your state legally allows for payday loans, or if you've grossly overpaid on your $200 loan, be done with it. Polly has a good letter on her blog that many have used to send to this company to get them off their back.

where is this blog located so i can get a copy of it to send to interim cash limited

Does anyone have and address or current phone number for Interim Cash? I took out a $350 loan in 2006, paid $175 in 2007, now they want $1440.

What should I do?

I can tell you that Interim Cash, LTD is not in this country. They have an address that is listed in New York, but they are not physically there. They are illegal. Go to the payday loan forum and start a new post people with a lot of knowledge will be able to help you better. Make sure you put what state, and then your question.

Does anyone know if they can legally garnish your wages? I just got a call from them for a loan of $200 I had with them back in 2005 and more than paid for it. They debited my account on a non-agreed day and caused overdraft fees in my account therefore I called them and told them that I was not going to honor anymore payments because in my opinion they have breached the contract.

Now they are threatening to garnish my Wages. Can they do that with out a court order? Please let me know.

New Jersey

Let your HR department know what is going on and that you revoke any wage assignments, tell them they are trying to do so illegally. Also in NJ it is voluntary not manadatory, unless it is for child support, etc. This company has no leg to stand on, they will threaten and that is all they can do. I have a complaint with the BBB. I live in the state of NJ as well and there is nothing they can do. But make sure you let your company know that you do not give anyone permission/revoke to garnish your wages.