United Cash Loans email

They think it is a form letter. Kindly resend reminding them of laws violated with a cc to your attorney general.If you haven't already done so,file a detailed complaint with your attorney general and get them involved in this.

They sent you a form letter that has been sent to several others on this site.

They are the ones just sending the same letters out to people. I would answer them and say that they are the ones sending out forms letters. Dispute all their points . . .

UCL is unbelievable. They are circulating the standard cut and paste letter. Go with what goudah said. UCL hates it when you question their practices.

Yep, exact same letter I received from them and I used my own words too. In fact, I informed that they were the ones using a form letter and that they did not address any of my issues. Never heard back from them, except trying to debit our account, which we had the transactions reversed, and this last time trying to use a "check" that we did not authorize for them to use. Hopefully the bank will get our money back and go after their butts!

I just filed a complaint with the State of Ohio's AG. Hopefully they will listen. I can't afford for UCL to keep debiting my bank account. I can't close it until it gets to a zero balance and I know they will do anything they can to take money out of it.

Here is how I responded to UCL. I did go ahead and file a complaint with the Ohio AG.



Please see the laws below for payday lenders:

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


What does everyone think?

I think that sounds good.

Thanks, goudah. I will see what they have to say tomorrow. Something tells me they won't back down but I would think they would give up eventually..........

Sounds good to me too. Don't be surprised if they still try to debit your account or try to get money with a "check". We had their ACH transactions reversed and after a while they tried the check thing, which we have gone to the bank about with the fact that we did not authorize it, so now we are waiting. Good luck!!!

Can you block the ACH transaction with your bank? It will cost you but I'm not sure of the amount. They are unlicensed in Ohio so they are the ones who are breaking the laws. Stick to your guns on this matter. I know how how they are to deal with. :twisted:

I think if I pay the bank $30 they will block all ach debits-I need to check with them and see what they have to say. I'm not sure because my account is way overdrawn-like $600 due to all these people trying to take money when I have asked them to stop.

Good Job, Lucy. And may I say they are a case of the pot calling the kettle black??

LOL. What a great letter in response to their own "cut and paste" letter. You are so right kscornell, this is a true case of the pot calling the kettle black. Love the letter. Well written. :D

I cut and pasted Ten DOllar letter to me. What made it so bad for me was that the first thing that appeared was my name. I said "dear Alexandra". I am surprised that they didn't even catch on to it.

Aren't they all owned by the same people out of Oklahoma or something?

Yes Alex they are owned by MTE Financial aks Rio Resources . One dirty outfit that claims to be Indian Tribal and exempt from US LAW. KYSIDE38

United cash loans SUCK A$$! I just paid them off Thank Goodness!

Still waiting to hear about the "check" being reversed from my bank....wonder how they are going to react to that?

2nband are they giving you a refund?

Heck no! They tried to get more money out of my account with their "check", which was not authorized by me or my husband! My husband went to the bank and filled out the necessary paperwork to get that reversed. We asked about the OD fees associated with that, and was told that "If the company wants to take care of them", well you know they aren't so there is another $32 added to the amount we still have to pay! Wish I was getting a refund, but no....

OH, thats right.....

2ndband, I have warned about the check thing several times. This company is good for this one. So it does absolutely no good to try and block thyem they will try anything. Sure hope you get the money back. KYSIDE38

I had been expecting that to happen and we have been to the bank and they are aware that the check was not authroized. Had to fill out some paperwork and were told it could take up to 10 days before we might see the money back in our account. Bad part is, we have to have a zero balance before we can close the account.

We have been waiting for over a week for this check to be returned to UnitedCash...my husband just called the bank to see when it was going to be done and was told since it was a "national" check, whatever that means, that there is nothing they can do. He told them that we had not authorized the check and that we had been disbuting their charges anyway. The girl he talked to said that she tried to tell that to the person that handles the electronic checks, but she wouldn't listen so now he is calling this person himself. We will see what happens because he is going to call me back.

Sorry they couldn't stop it. Let us know what happens, I hope it works out. I haven't heard anything back from UCL ever since I responded to them accusing me of sending a "form letter" LOL.

I printed off a copy of the check and it says on there: "Your depositor has auhthorized thispayment to payee. Payee to hold you harmless for payment of this document. The document shall be deposited onto to credit payee. Absense of endorement is guaranteed by payee".

then there is a memo that says "Telephone/FAX check payment. Customer authorization obtained 3/13/07"

That is BS because I never authorized this at all!! Waiting for my husband to call me back.

OOOHHH that is FRAUD!!!!!!!! Maybe it is time to file a police report????

There may be a clause in the contract that states if you revoke authorization to debit your account, a check can be produced. It probably also says that it's unrevokable until the loan is paid in full.

Quote:

Another question - Did the check go through? Can you cancel any overdraft protection you have? I'm assuming you don't have any money in this account, since it's in the negative, right?

You all are not going to believe this!!! A lady from the bank's home office called me and they are getting the $65 back AND going back through our account and refunding ALL the overdraft fees and that will bring our account into the possitive and then some!!!! She said that she was looking over our account and was very upset that our branch office was not doing something to help us out and she told them that also! She told me she had 3 wayed UnitedCash with my husband and they would not tell her anything and gave her the run around,nor would they put her though to a supervisor and eventually hung up on her.

Anyway, long story short....we are getting the $65 back, they are opening us up another account for our house insurance and car insurance, we get to keep the same debit cards and pin numbers and they guaranteed me that there would be no way that these people would be able to touch that account AND we are getting a $400 to $500 refund from OD fees!!!!

That was me above....my session timed out before I got it sent...

I tell you...that light at the end of the tunnel just got a little brighter!!!! This girl I talked to at the main bank was so sweet and so nice that it wasn't funny and she told me who to talk to at the local branch and if they give me any problems to be sure to call her! I needed some good news with everything going on.

Glad to hear that 2nband!!!

I'm so happy for you!!!! And I'm jealous that I don't live where you do so I could have such a great bank!!! You are so lucky . . . . . My bank wouldn't do crap for me.

Well, until we talked to this one lady, the bank really wasn't so helpful. They are the ones that awould debit your account before they did credits, which we hate and their website is always 1 to 2 days behind. But because this lady is helping us, we will keep an account open there, at least for the car insurance and house insurance.

Goudah my bank hasnt and still wont do crap for me...But that just means they are last to get paid back through all this mess...How do you call them 56 times in one month and go there 4 times in that same month and the bank manager is convienently never there and they still have the never to let these ACH goes through resulting in 2000 negative?

Well, I will tell you that I was surprised that this is happening. I would have never thought this would happen. This lady told me that sometimes it comes to talking to the right person and that sometimes you have to be persistant and if you do not get satisfaction from one, go to someone else. I am so thankful because we can really use that money right now with prom and graduation coming up. I am still in shock!

I am so thankful that there will not be any more pld debits and we can start working on the other things we need to work on!

I think it is so funny that these people stumbled around while talking to this lady at the bank. Guess that shows they were doing something they were not suppose to do. Wonder if I could go after these people (UCL) for this?!?

Well to good to be true...went to my branch to talk to who I was suppose to and of course she was a bitch! Informed me that the bank was taking a loss and only going to bring things to a zero balance and were not going to refund all the fees, plus not be able to open the other account and they already suspended OD privilages and closed the account, and she is so sorry but the car insurance will be returned account closed! She sure hoped that would not cause a problem. I asked her if she would call the lady I had spoken to earlier and she said no, she would call her on Monday. Then as I was leaving I heard her and another girl make some comment about people trying to get over on the banks and expect for them to just roll over. She is so luck there was another lady with a child going into her office because I would have turned around and gave her a piece of my mind! I tried to call the one person I spoke to earlier, when I got home, but the she had already gone home for the day, so better believe I will call first thing Monday morning because she said that we should be refunded between $400 and $500 per her calculations. I am not trying to cheat anyone, but they were not suppose to do anything until I got here this afternoon and they went ahead and did it. Hell what did I need to go in there for? Then they used the excuse they could not get a hold of me or my husband and I asked if they contacted the first person and they said no....I told them she had my phone number. It was like well, we're sorry but we could only go by the numbers we had on file!

Now Monday I have to make sure I stop my Direct Deposit, (was going to let it go to the new account so we could go ahead and let the insurances be covered) and I will have to come up with probably 2 months of insurance because of this one going to be returned.... Boy, I sure hope my check from my points gets here soon. Looks like I am going to need it for something other than prom!

UGH!!!!!!! I am so mad!!!!! :evil:

I think that you need to complain to the president of the bank about the comment you overheard her make and it sounds like she was a little sarcastic about the car insurance payment. I am so sorry it didn't work out for you. I used to work in a couple banks and I know how they can be. Lots of people that work in them think they are perfect.

I'm so sorry . . . . That's a bank for you. It just sucks that your hopes got up . . . . I would tell that lady on Monday exactly what they said. Maybe there is a chance that it will still happen.

It's not like you didn't go in there and explain the whole situation at the start. The bank could've done something to stop all the fraudulant charges going through, and it's their fault if they have to take a loss because of their nonaction.

Since they closed the account and refuse to open the new one, I wonder if they will also report it to chexsystems . . . . .

At least the account is finally closed. I know it's not much, and that them doing what they promised earlier today would've been great, but at least the pdl's can't make anymore nsf fees for you.

Banks suck! That is so wrong how they did you! My old bank wouldn't help me either so the only recourse I had was to continue letting it go until it hit negative 2 grand before they would close it...I cant wait for them to start calling to collect so I can tell them that since they were no help to me that they will get 10 bucks a month until its paid...I have everything documented of who I spoke to when and all the different stories they told me...This whole mess started when I added my husband on and he starting taking 2-3 hundred bucks out a day even after it was overdrafted(what kind of bank lets you take money out after its OD???) and they told me that unless I could produce a death cert YES A DEATH CERT on my husband I could not remove him from the acct...Sometimes I really hate how corporate america has become!

O and what I forgot to add there was I couldn't take him off of what was my account before hand but whenever it was OD guess who they called? Not my husband thats for sure because it was originally my account so therefore it is my responsibility....WHATEVER! Sorry but seeing how yuor bank treated you 2nband just reinfuriated me

The way the girl at our local branch put it, per the first person, we wanted to close the account but my understanding was that I was going to go in there and sign for that account to be closed, leaving enough in there for the insurance this time and then open the other account with the money that I was suppose to get back and let those two things (car and house) come out of that account. Then they tried to tell me how they were eating charges by reversing the transactions, yet they were charging me $32 for each OD by these companies! Oh you better believe I am going to raise a stink on Monday. I don't like being told one thing by one person and then something else by another person. I even took off of work early so I could get to the bank and get all this done! Hell I would have been happy with knowing that my car insurance could have gotten paid and even if I got $50. The girl I talked to on the phone was at the main branch and I will let her raise hell with this bitch on Monday. This girl better hope I don't run into her anywhere and she needing help with anything because I sure wouldn't help her.

Yes, the up side is no more plds coming out, but still screwed on a few other things now...LIKE MY CAR INSURANCE!

I would call them and explain that due to a "mix up" at the bank the payment isn't going to go through. If you let them know ahead of time they are usually more accommodating about things.

I hope on Monday you give them hell for doing that to you! I have been giving my old bank hell for a week and they haven't agreed to help me on one thing..I hope you get things straightened out for yourself and I hope that you car ins is understanding...I know that mine was because I had always paid them and then the one time things got messed up they said since I was a good customer that they would waive any late fees and gave me an extra 14 days to pay it so maybe you will get lucky on that end...I will pray for you

Leah that is ok. Some of the crap these places come up with sometimes! Anything to make a buck and when you do find someone with a heart what happens, you have 10 more without one and who wins....the heartless ones. I hope one day these people get in a position and find out what it is like to have someone look down their nose at them! My mom use to work at a bank and it use to make her made to watch how some of the customers were treated. If it weren't for the customers, where would these people be. Maybe we should go back to stashing money in our mattresses like they use to...heck probably safer and one would end up having more money!

Yeah who decided we needed banks anyway? a bank has never done anything for me and never will do anything for me because I have semi poor credit and actually work my butt off for aliving. You have to be well off or have excellent credit for a bank to offer anything of value to you...But let someone who really needs a loan who has had some credit trouble and they laugh in your face....

oh I forgot...to make things even better, my car decided to over heat on my way home from the bank (which is less than 5 miles) and my ac isn't working, just wants to blow warm are! The temperature gauge was starting to get into the "red" zone! Nothing like being taken from a high to a MAJOR LOW all within a few hours. Of I didn't have to pick up my son from work tonight, I would be having a few drinks (I am a lightweight because I don't hardly drink!)

That is the truth too! This girl made me feel embarrassed and ashamed when I went in there. I felt like I was a just nothing and was treated that way too. I tried to walk out with my head held up, but it was hard. I am so tired to being made to feel like I am nothing. Gosh, now I have started with the tears! I hate crying!!! :x

Has anyone ever on the paperwork you fill out for disputed items on your bank account ever site state regulations on these lenders and then in turn won disputes for unauthorized/fraudulent charges on their account?

Banks don't care about that. Their only issue is if the transactions are authorized or not.

State regulations regarding pdl's don't concern them. It isn't up to the bank to decide the legality of a transaction.