Help!!!! im scared of United Cash loans

What company are your referring too? Is it a payday loan company?

Are these internet pdls? This sounds like a typical, ILLEGAL threat they use on everybody. What state are you in?

im in nebraska and its united cash loans

You will NOT be arrested for defaulting on a payday loan. This is a typical threat they use.

omg im shaking and have not told husband i did this and i sent payment to consumer credit counseling they were to disburse the payments to my creditors on the 22nd but they are closed today for the holiday and im scared to death police are showing up and putting me in jail

Relax...It's going to be ok, trust me. There are worse things in life than owing money. The first thing you need to do is tell your husband..You will stress yourself out if you don't trust me on this. It'll be ok..How much was the loan, and how much have you paid?

$250 and im not sure a lot lol bank recommended to close account and open new one and then to contact them so i did and gave them consumer credit counseling's phone and address all they said was get ready for police u r going to jail and hung up now they wont answer phone i can breathe now ty so much wish i never wouldve done this

You WILL be able to work this out. These pay day loan companies say whatever they can to try to get you to pay. Try not to let them scare you. As stated by others here, they WILL NOT arrest you for a pay day loan. Many people here have been through the same thing you are currently going through with these people. See the thread, "Best PDL threats." Then you will get an idea of all the things they will falsely threaten you with. Good luck to you.

We have all learned our lesson the same way you have. Listen to Finsfan, she is right, you can relax, you are NOT going to jail, they didn't call anybody to come get you, they are just trying to scare you out of your money. You will be ok. :D

im so greatful i found you all in this website. ty so much i can breathe lol

Here is the link to your state's pdl laws:
http://www.paydayloaninfo.org/state_detail.cfm?id=NE

You should file a complaint with your AGs office and with the banking dept. listed in the link.

tyvm i registered the complaint now i can enjoy my day knowing im not going to jail

there is no debtors JAIL!! they can't send you to jail for owing a bill, unless it's a gov loan or child support. They can however pursue a judgment and send authorities to serve summons or an appearance ticket.

They can pursue a judgement, yes, but only if they are licensed in your state will they be able to get one. No judge in the US will grant a judgement to a company that is operating illegally.

I can't believe United Cash Loans would do such a thing to you such as threatening to send the police to your home and have you arrested for a debt that you owe. Do you know that this company is in trouble right now for their scare tactics?

Absolutely amazing. I have a loan with them as well but when I went through debt consolidation, I haven't heard anything from them. So apparently, they are being paid.

But I am glad that you said that because Monday, I am calling each of my PDL's and requesting statements from them.

That is beyond ridiculous to use illegal tactics such as these to harass individuals. I would have told them to call the cops and see if they respond. They cannot do anything to you until you have gone to court and then the least that they can do (since you haven't actually wrote a check to them) is take you to court and request a garnishment of your wages. But to use such tactics? These payday loans are beyond ridiculous. Gosh, I despise them with a passion and wish that they would just go away from the innocent individuals.

It's amazing what tactics these companies will use. The jail threat seems to be a major one, along with calling in "third parties" - meaning they will start contacting your supervisor at work, etc. And then they try guilt - (you're costing their company money, don't you want to be honest and pay your bills, etc.)

Guilt doesn't work with me. I'm the daughter of the guilt master. LOL

This does not suprise me in any way because it happened to me. United is with Rio Resources as we all know. I had never defaulted overpaid them by 700.00 and when the AG told me to close account they started. They told my then six year old they were going to put his mom and dad in jail. I have nothing but disgust for this company and I cant wait until the day comes that they go under. KYSIDE38

so hateful.

Guest, Who is hateful?

you kyside. you said you closed your account. that must mean that you didn't pay your balance that you owed, am i correct?

Guest, Closed my account because I overpaid these people by thousands. I owe them nothing they owe me and I am collecting. It is good to have the LAW on your side.

kyside--overpaid how? let's say you were charged some nominal rate for your loan and you paid it back, good for you, but what should happend to the people that don't pay back that loan (at a nominal fee)? got a good answer for that?

Sure do Guest I think every one should pay back what they owe according to their state laws. Not a nominal fee of 500 plus percent interest. Why cant these companies just follow the law? If they are going to lend follow the law!!!!!!!

you missed the point. i asked you what should happen to the folks that DON'T pay the money back, assuming the loan company is following some state law (we will use your example that they are following WV law, which says that pdl's are NOT illegal). What do you think should happen to those folks?

They should pay back ONLY what their state says they need to pay back. What if you were on this end instead of the collecting end? Would you still think these companies are fair?

dbaker--i am not on the collecting end. what do YOU think should happen to the folks that DON'T pay back their loans?

I got the point. Payday loans are Illegal in my state and thats my point. I think they should pay what they're state laws says. Thats plain and simple my response is ABIDE BY the LAW!!!!!

Kyside, they actually told your son they would put his mom and dad in jail? Don't these places have any decency at all? What a creepy thing to do. Don't they have kids?

kyside--so what do you think they shoudl do to the people that don't pay back the loans?

If it were up to me, if the company wasn't licensed and was practicing ILLEGALLY in the first place, I don't think they should have to pay ANYTHING back and just let this ILLEGAL COMPANY take their losses

Guest there are no debtors prisions anymore. What do you think they should do? Lets hear your point.

yes, this should be interesting

that is exactly what i was asking. so i an office products company hasn't registered with the city and obtained a city business license then should all of the customers that purchased there be allowed to get their money back and keep half of the supplies? you have got to be kidding me? on-line gambling sites are not licensed and there are some 4 billion us residents using them, should they get all of their money back? what do you say about a pdl that is from England or Ireland? How should we treat them?

A PDL from England or Ireland should stick to lending money there. The LAWS state that the PDLs have to be licensed in the STATE that they are lending to. So I, for example, live in Ohio...If that England or Ireland based company does not have a license in Ohio, then they should not be lending to us.

Exactly right, Jessi.

where is this list of states where it's illegal for internet pay day loans to solicit business?

Here is the link:
http://www.paydayloaninfo.org/states.cfm

Just click on your state and it will give your state's pdl laws and say whether or not they are prohibited.

got it. it's legal :(. thanks!

Which internet pdls are you working with, I have only come across one that was licensed to loan in my state.

Guest,

Do you happen to work for United Cash Loans? We know how they love to stalk people around the forums. What they did was an illegal tactic. No one is saying they are running away from their debts. They just want to pay what they legally owe. You are comparing apples to organges in some of your posts. There is no need to tell someone they are going to be arrested. That is nothing but disgusting, no matter how you look at it.

What I find amusing is a pdl company trying to teach morals! It seems that is what they are trying to do. What a joke. AND THAT IS CALLED AN OPINION! :D

Ok, now I'm laughing ....ty Steelers!

My comment to guest on the so called England companies is let them stay there. If they dont want to follow the law here. KYSIDE38

my point is what are you really going to do about it. if they are outside of the US then what can you really do about it. my guess is that you will see more and more of these.

btw--i don't work for a pdl and to say that is slanderous :-)

Guest, I am just a bleeding heart liberal. KYSIDE38