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USFastCash responded...any comments, guys?

Date: Fri, 06/29/2007 - 05:54

Submitted by Sheyld
on Fri, 06/29/2007 - 05:54

Posts: 65 Credits: [Donate]

Total Replies: 114


Here is a copy of the email I just received from USFastCash. Below it is my response.

[quote][size=1]This department has received recent communication regarding the above account. The communication received is recognized as portions of a form letter (cut and Paste template) currently being widely circulated via the Internet. Unfortunately this form letter is filled with misleading and incorrect information. The use of this form letter leads us to believe that there is not a specific complaint connected with the handling of your account. Please be reminded that the terms and conditions of the agreement you entered into with our company was presented to you at the time of your application and you were given a 48 hour window in which to cancel the agreement. In addition before each debit processed (within the guidelines of the agreement) you were given an account summary stating your options of fulfilling the agreement including instructions for repayment of the entire amount of the advance, in order not to incur additional fees. Since there is no mention of a specific problem with the way your account has been handled we must conclude your account was handled as agreed therefore your account will continue to be handled as agreed. Your persistence in this matter with us or any other agency that does not include an account of how your account was handled out of the guidelines of the signed agreement will merit the same response as the one you are now reading.

A copy of your electronically signed contract can be faxed for your review. If, after your review, you find your account was handled differently than was/and is stated in the agreement please forward those details at once so further review of your account can be completed. It is our earnest endeavor to provide the best possible customer service and customer satisfaction and miss-handled accounts will be researched and addressed immediately. Any Legal questions will not be answered; they must be placed in writing to our Legal Dept via Fax1-800-470-6614.

Please also note, we are the original creditor, the fdcpa applies only to 3rd party collectors.

We appreciate the opportunity to respond to your concern.

Sincerely
Compliance Department

US Fast Cash Compliance Department
Fax: 1-800-470-6614
Email: compliancedepartment(at)usfastcash.com
[/size]

My response via email:

Thank you for your response.

[size=1]Regardless of the origin of the context of my letter, whether it be from the internet, a consumer reporting agency or Florida's Financial Regulations Department, the matter still stands. USFastCash IS NOT LICENSED IN THE STATE OF FLORIDA. As per Florida's Attorney General, USFastCash is also in violation of Florida statutes pertaining to pay day loans in this state.

My specific "concern" is that you are an illegal online lending organization, without licensure in the state of Florida. Therefore, you are breaking the law by continuing to loan money to consumers in this state, including myself. Additionally, your interest rates, fees and other wide and sundry charges are in excess of Florida statues pertaining to interest rate caps and usury laws. So, there you have your reason for "my persistence in this matter."

Please be assured that I do not have ANY legal questions. They have all been answered by my State Attorney's Office and, my complaint is being investigated. This is not a "cut and paste" statement but a statement of actuality and fact. I filed a complaint, have spoken to their office on numerous occasions and know exactly where I stand legally.

My bank will not honor any future debits and have been advised of the situation. I have rescinded your right to contact my employer, friends, family or references and I have also withdrawn any wage assignment that I may have signed pertaining this loan. However, if you feel the need to not comply with any of the above, please be advised that all phone calls will be recorded, all wage assignments will be denied (my payroll department has also been advised,) and any attempts at the above mentioned actions will only serve as additional documentation against USFast Cash.

As for any contract I may have "signed" over the internet, by all means please be so kind as to MAIL IT VIA U.S. POSTAL SERVICE to the address I provided: XXXXX. Any legitimate organization's legal department, online or otherwise, would not find this request unreasonable and would also be capable of receiving certified correspondence at their mailing address. So, once again, please be so kind as to mail a copy of my contract. It will serve as additional evidence and, as per the Attorney Generals Office's request, will be immediately forwarded to them to aid in their investigation.

It you would also be most helpful if you would provide me with your audit number for the State of Florida. This request is also reasonable and within my rights as a consumer.
[/size][/quote]


guest, USFastCash is debiting your account? Is that the only pdl that you have?


lrhall41

Submitted by cannr on Fri, 08/03/2007 - 22:52

( Posts: 9317 | Credits: )


kev, did your bank just block the one pdl name? They are actually part of MTE Financial. They use MANY different d/b/a's. If you've only blocked one name, they may use another name and amount to debit. Check on that. And, my state is also illegal for internet lenders. However, didn't stop them from sucking my ass dry!


lrhall41

Submitted by cannr on Sat, 08/18/2007 - 16:54

( Posts: 9317 | Credits: )


ian, you need to do something so that USFastCash can not debit your account any further. They will not touch it for awhile, they will hit it a million times, they will wait 2 months and then try to slip an electronic check through. Please believe us. They stop at nothing. The only way to stop them is to get rid of the account they have the information on.


lrhall41

Submitted by cannr on Sun, 08/19/2007 - 17:02

( Posts: 9317 | Credits: )


Okay. Now they're calling. Poor babies didn't get "their" money. If possible, try not to take the calls. If at all possible. If you get caught with them on the phone, tell them to only contact you via email or USPS only and hang up. Tell them every time. They will eventually contact you via email once they realize they can not get you on the phone. You can try sending them an email telling them not to call you. To only communicate via email or USPS. Tell them telephone calls will not be accepted. I'll give you an email address for them. Then they'll just start sending you nasty emails. But you'll have documentation of their stupidity. If they continue to call, send them an email EVERY time they call telling them not to call. Here is an email address that will get through to them:
compliancedepartment(at)usfastcash.com


lrhall41

Submitted by cannr on Thu, 08/23/2007 - 08:15

( Posts: 9317 | Credits: )


me again yes so my bank is with me i put the block told my bank this month us fast will try to take 260 on aug 20 i checked on 21st to see and my aacount was negitive 60 i call bank and said hey u said u would block it they said we did for 260 etcd so us took 60 so i told the bank no i said i dont want u to let them debit aaanyyyyyy from me 0to million no money my bank sdaid oh were sorry so the 22nd of aug they stoped the 60 dollar payment now there totalloy block but now us fast cash called me today im sure there pissed what do i tell them oh and it is illegal for them to loan vt etc and i told them when they asked for me i qwasnt around what can i say to stop the calls or just let me know thank u all your awesome kev


lrhall41

Submitted by on Thu, 08/23/2007 - 08:20

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kev, usfastcash usually will debit only under their name (although they are MTE). You might be safe with just blocking their name, but I can't promise for how long. They might get sneaky and change it to another d/b/a. And, as you have found out (the hard way), they will change the debit amounts to sneak them in. Also, they will change the dates. They might debit early, they might wait and debit late. They do this on purpose. They try to sneak their debits in and it usually works. Also, if you have your bank having only an ACH debit block on them, you're going to be in trouble. USFastCash slipped through an electronic check on my account instead of an ACH debit. And in the middle of the week (like on a Tuesday or something). Please trust me on this one, kev. They will do whatever they can to debit your account. Change names, change debit amounts, change dates, do an electronic check, etc. ... Horrible. And do NOT take their calls. Lie to them. "He's not in. Can I take a message." Try not to take the calls at all. And every time they call you, send another email telling them not to contact you via telephone any longer. They'll get sick of your emails eventually! Hang tough with them. They are nasty. Watch your account closely. They will try anything to get through to it.


lrhall41

Submitted by cannr on Thu, 08/23/2007 - 12:35

( Posts: 9317 | Credits: )


good tune canner yeah my bank is pretty good they got my 60 back and us fast is pissed poo them lol thanks for your help i could of never done this with out u i owe u big time im kinda smart but u know whats up i think ill be ok my bank knows when a new differnt debit comes in they told me they thought i wanted to give us just 60 montyh i told them mno nothing 00000 and they said no prob and got my 60 back fast
take care my friend ill keep in touch your like a big brother or father ive never had ty :D :D :wink: 8)


lrhall41

Submitted by on Thu, 08/23/2007 - 16:42

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guest, you come on back any time! Keep us updated on how the situation goes with your bank. USFastCash will eventually try to pull as "fast one" on you! God love them! Let me know if they do! I'm just glad you're bank is working with you & I'm extremely glad we could help you! :D


lrhall41

Submitted by cannr on Thu, 08/23/2007 - 16:51

( Posts: 9317 | Credits: )


Thanks, kev! I hope you'll still be thinking that once they do start contacting you though! LOL! :lol:


lrhall41

Submitted by cannr on Fri, 08/24/2007 - 11:05

( Posts: 9317 | Credits: )


Wow!! Reading some of these posts, about US Fast Cash, is very funny!! Welll.since I've been on this forum, I've been figuring out ( with good advice from ya'll) how to deal with PDL's. Now.....if anyone can tell me how to deal with Cash Call, I'll be set!! LOL


lrhall41

Submitted by sdchargers_63 on Fri, 08/24/2007 - 19:36

( Posts: 1798 | Credits: )


Yes. I have a thread going somewhere on the paydayloan forum where I have all the MTE d/b/a's listed. Do a search on the site and it's by me from a couple days ago (I think). I was asking anyone to post if any were missing. It's a pretty good list.


lrhall41

Submitted by cannr on Sat, 08/25/2007 - 09:10

( Posts: 9317 | Credits: )


kev! I'm glad to hear from you! No calls? Hey, I'm not complaining! :lol: You hang in there and keep popping in from time to time and let me know what's going on! Hang in there, my friend!


lrhall41

Submitted by cannr on Wed, 08/29/2007 - 04:02

( Posts: 9317 | Credits: )


guest, my guess is that this is an internet pdl. What state are you in and who is the pdl?


lrhall41

Submitted by cannr on Wed, 08/29/2007 - 11:36

( Posts: 9317 | Credits: )


Guest, I'm posting Indiana state pdl law for you see. Actually, if it's an internet pdl, they have been charging you (I'm sure) rollover/extension fees, which are prohibited in your state. Also, it states $15.00 per $100.00 borrowed. Also, notice that criminal action is prohibited in your state. If you don't mind me asking, would you mind posting what pdl it is you're dealing with??? :D
You will find the Payday loan laws for Indiana here (just select your state),

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


lrhall41

Submitted by cannr on Thu, 08/30/2007 - 10:34

( Posts: 9317 | Credits: )


Do not be ashamed. Ever. As you can see from reading posts on this site, everyone has pdl's and it's always more than one. It's okay. :D We can help you out. Some of the names I'm not familiar with, others I can tell by looking they are illegal/unlicensed. Now, what I need for you to do, if you would like some help, is to post the name of the pdl, the amount borrowed, and the amount paid back. Do not break down the amount paid back. Just what you have paid on each one so far. I can check into whether these are licensed/legal pdl's or not. If I'm not mistaken, I think Indiana is one of the states that will "recognize" internet pdl's if they are licensed and if so, you have to follow the pdl state law (which sucks). But we can check on them. morningstarr is in Indiana. I'm going to message her and make sure of the fact that Indiana has to do this regarding internet loans. In the meantime, if you wish, you can list the information I asked for. If you don't want to, that's okay too. But we can try to help you out here. :D


lrhall41

Submitted by cannr on Thu, 08/30/2007 - 13:11

( Posts: 9317 | Credits: )


Alrighty, guest! We're off! Now, what we need to know is for each pdl (and I'm assuming they are all internet? No store fronts?) you list the name of the pdl, the amount borrowed, and the amount you have paid back so far. Do not break down the amount paid back by "fees" or anything, as these are illegal "fees". Just put who it is, what they deposited into your account, and how much they have taken out so far. We need this information because I'm sure you're getting taken advantage of with the illegal rollover fees. Also, when is the next debit scheduled to come out of your account on these pdl's? Please post and we can go from there! We can help you! :D


lrhall41

Submitted by cannr on Thu, 08/30/2007 - 19:05

( Posts: 9317 | Credits: )


hi canner man you were right im p ed off they hit me on the 30th right when my ssi cam in lastnite at 9pm its like they know when my money comes in there tryin to take 320.00 from me theres a block i got to tell my bank when they open your right they changed the date and want differnt amount itsd gonna get sdtoped they think there slick i watch my acc im gonna freak on my bank for my bank to even let them post anything without me im closein that bank new bank man your so right tater kevin


lrhall41

Submitted by on Fri, 08/31/2007 - 03:55

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kev, oh, yes. They'll start trying to get slick and put in debits on different dates/times/etc. This amount they tried to debit, your bank didn't let it go through did they? They blocked it? Please tell me they blocked it. I don't want you to have to worry about a "bank mess" along with everything else! Pop back in and let me know, my brother!


lrhall41

Submitted by cannr on Fri, 08/31/2007 - 03:58

( Posts: 9317 | Credits: )


cann yes they blocked thank god they said come on in and we will chage your acc num for free so that should help right . oh i emailed them i went off i prob shouldnt have i said i paid yours back leave me alone etc they said we dont know who u are by the email i sent so they asked for my ss num i think they already might have it but i aint sendin it again i wrote my name and said u know who i am i aloso said that was sneaky how they silped in there debit i didnt tell them i blocked it well t6hanks bro ill be around chat to day at 10 am i got to go to bank and change acc num ill be back after bun later peace out k ev


lrhall41

Submitted by on Fri, 08/31/2007 - 06:11

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hey guest listen to cann and stop payin read what i went through pages 1-6 on here i went through what u r i loaned from us fast 200 they wanted me to pay back like 500 or 600 i gave them 240 and blocked my acct man they wont styop tryin to get it but my bank i s workin with me tell ur bank u paid them there amount back that u borrowed and they want more the bank will work with ya now there changin my acct num so good luck dude and stay in here canner is the man for advice c ya kevin


lrhall41

Submitted by on Fri, 08/31/2007 - 06:20

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kev, thank God your bank is working with you! I'm glad it's working out for you! And, you keep sending those emails! They know who you are just by your name. Crazy pdl's! I'm on your side all the way, my friend! Keep it up! And keep me posted! :D

guest, I've posted the Indiana pdl law in this thread for you to see. Did you read the posts?


lrhall41

Submitted by cannr on Fri, 08/31/2007 - 11:54

( Posts: 9317 | Credits: )


hey canner i went to the bank hahaha bye bye fast cash i got a new number so lets see them hit me now my bank said they can try the old 1 all they want its dead so now its me and the emails for now think they will give up on me ill chat soon bro peace kev.......


lrhall41

Submitted by on Fri, 08/31/2007 - 14:05

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I closed my account and opened another one......I'm suppose to be paying $ 133.00 on this friday 8-7-07...I dont want to pay that much but if I dont they will keep harassing me.....has anyone ever made payments to them with money gram or do just mail them a money order?


lrhall41

Submitted by on Fri, 08/31/2007 - 17:45

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guest, the $133.00. Is this just for one pdl? Or is it the total put together of several pdl's? Your "old" account is due to be hit on 09/07/07, right? We have some time here. Your bank account is closed. Did they tell you that they will not "force" the account back open if pdl debits come through? You may be okay since you've already closed it and they're not due for another week. However, how long ago did you close it? Just a few days ago? Tell me about the bank situation. Also, you are in Indiana, correct? And are you the guest that listed out the pdl's you have on this thread? (I get confused when people are "guests"!). If so, what I need for you to do is list each pdl - the amount borrowed - what you have paid back. Do not break down the amount paid back into "fees" or anything. Just what you borrowed and what you've paid back so far on each pdl. Can you do that for me? And we can take a look. Remeber, answer me about the bank and verify that you are indeed in Indiana. We can figure it out! :D


lrhall41

Submitted by cannr on Fri, 08/31/2007 - 17:51

( Posts: 9317 | Credits: )


Yes, I closed my bank and if any ACH transactions try to hit my account they will get "rejected". USFast cash called me last week and broke down the payments of 133.00 every 2 weeks until paid off. I closed the account about 3 weeks ago. Yes, I'm the guest that posted ipdl's on here :D . I am in Indiana.

loan was for 250.00-paid back 120.00.


lrhall41

Submitted by on Tue, 09/04/2007 - 05:23

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Guest, you only owe them 130.00. You can give them one payment of 130.00 and this should be considered PIF.


lrhall41

Submitted by cannr on Tue, 09/04/2007 - 12:49

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USFastCash is unlicensed/illegal. They are trying to get more money than you owe from you. You are only obligated to pay them the principle amount of the loan, and they are actually lucky to get that.


lrhall41

Submitted by cannr on Tue, 09/04/2007 - 12:51

( Posts: 9317 | Credits: )


my husband just recived a advanced from this us fast cash at the begging of the month what should I do... there was a debet of 99.95 taken from the account but when I try and go see if it was then it says the page was rejected now what.....


lrhall41

Submitted by on Sun, 09/16/2007 - 16:00

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not...what state are you in?? If your brouser is having trouble on your computer ..clean your cache and then try again...their site should come up...and they usually send you an email when it's time to pay again. How much was the loan for?? They will continue to debit until you pay off the loan or stop the debits. PLease post any questions you may have.


lrhall41

Submitted by Morningstarr430 on Sun, 09/16/2007 - 17:47

( Posts: 2329 | Credits: )


notsaying, please post some additional information. We understand that your husband received a loan from USFastCash. How much was the loan for? And is this the only debit they have taken out so far? Also, what state do you reside in? Please help us out by posting this information so that we may help you. USFastCash is not an easy one to deal with.


lrhall41

Submitted by cannr on Sun, 09/16/2007 - 20:32

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