Finally a response from One Click Cash
Date: Wed, 06/06/2007 - 15:37
Quote:
To Whom It May Concern: This letter is in regard to your email communication from today stating that I had sent a form letter and did not state a valid complaint. First I’d like to say that I did not cut and paste a form letter in the previous email and faxes that I sent your company, as you have accused me of. They were, in fact, my own words. I do however find it ironic that you responded to my letter with a form letter of your own. I am unsure of what misleading and incorrect information you say my letter was filled with and I do in fact have a specific complaint. My complaint is that you are operating illegally by loaning to a citizen in the state of Washington where you are not licensed and you are charging rates and allowing rollovers that are not allowed even if you were licensed! In specific you are in violation of Wash. Rev. Code § 31.45.010, which states no rollovers are allowed and that the maximum finance rate is 15% of the first $500. Therefore my loan for $300 has a payback of $345. Your company is not licensed to do business in the state of Washington, which actually makes this whole transaction illegal. One must be licensed in the state of the consumer it does business with. I have confirmed that with attorney general’s office of the state of Washington. Even though you are not located in Washington you are still subject to the state laws when you do business there (albeit illegally in your case). Once again, here are my specific requests to your company: I revoke authorization for One Click Cash or any representative, parent company, affiliate, or subsidiary or One Click Cash to withdraw any funds from the checking account under the name of Miranda *****, account number *****. I also revoke any voluntary wage assignment that I may have signed. I can only be reached by email or United States Postal mail and will be happy to correspond in that fashion. I cannot receive personal phone calls at work. The law states that if I ask not to be called you have to abide by that. On my $300 loan I have paid your company $655, which is $310 over the legally owed amount of $345 if you had been licensed in the state of Washington. However, I am only asking for $265 since I agreed to pay $390 when I applied for the loan; I also ask that my account be marked paid in full. I appreciate your prompt attention to this matter and look forward to settling this account with you. Miranda **** App ID #****** |
What do you guys think? I'm feeling so fired up now about them trying to use words to get around the issue at hand and saying that I didn't have a specific complaint! What did they think my letter was a compliment?
Miranda - BRAVO! I think you did a fantastic job. You were
Miranda -
BRAVO! I think you did a fantastic job. You were concise, to the point, didn't rant and rave about the situation - you simply stated facts. And that's the only way to fight this - with FACTS.
Let us know the results - you may have to keep after them, but eventually, they'll either mark you paid in full and issue a refund, or they'll simply leave you alone. Obviously a refund and PIF letter is preferred, but being left alone is good too!
I think your letter sounds great :) I don't know if you will ge
I think your letter sounds great :) I don't know if you will get a refund. I haven't heard of anyone getting a refund from MTE but it may happen. Have you filed a complaint with your attorney general's office?
I did that right after I got that letter from them yesterday. It
I did that right after I got that letter from them yesterday. It was funny because I just finished filing one for United Cash Loans and was about to start theirs when that letter came. It just made me that much more eager to file theirs!
That makes life a little bit easier. Keep us updated on your pr
That makes life a little bit easier. Keep us updated on your progress :lol:
Quick question - in my letters to the various payday lenders I a
Quick question - in my letters to the various payday lenders I asked that all communications be through email or united states postal service; however, payday yes keeps calling me. Is there anything further I can do to stop the calls - especially at work?
calls
From what I have read I don't believe that legally they can not harrass you, I maybe wrong but I thought I read somewhere that they do not follow the same guidelines as regular collection agencies have to follow I maybe wrong, I hope so because I am having the same problem. I have emailed them and faxed them and I have already received one phone call today, after telling them not to call me.
You should probably send them a Cease and Desist letter. Under g
You should probably send them a Cease and Desist letter. Under goverment regulations if you file this letter with them, they legally are not allowed to contact you. Go to PollyandSay website- she has some really great templates and you can make them your own. Send them certified mail, email and fax if you can. I did this with a couple- and then when they called I told them I was recording their phone calls and asked if they recieved my letter for Cease and Desist. Usually they would say no- so then I would go on to say well you are now informed telephonically that I have filed a Cease and Desist letter with your company/organization covering myself, my workplace, and my references. You get the idea. Get this started ASAP. You will only gain from it and it takes only a minute.
Good luck!