Litigation of theft Arbitration/ cash n minutes help
Date: Mon, 09/17/2007 - 10:38

I only borrowed $150 in the first place and now they are demanding $1350? Can anybody give me some advice on this? Thanks in advance for your help. btw I live in Kentucky.
As I read this, their name alone makes little sense to me...How
As I read this, their name alone makes little sense to me...How do you litigate a theft arbitration?? And arbitration is to avoid litigation...oh boy.
Went online and googled the ph#, found nothing. What is their address? and I will do some further research for you.
Art This makes no sense to me. The name alone is just stupid. A
Art
This makes no sense to me. The name alone is just stupid. As volley said how do you litagate a theft arbitration. What even is a theft arbitration.
Please dont get yourself nuts
Art-Kentucky laws for you since I see that cashnminutes is an in
Art-Kentucky laws for you since I see that cashnminutes is an internet pdl...
You will find the Payday loan laws for Kentucky here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html
Art , can you please post the address for us. Actaally I called
Art , can you please post the address for us. Actaally I called the number that is in the letter, and some guy answered. I asked what kind of company this was and he said a litagation company. I thought lawyers litagated, not collection agencies. This whole thing seems silly
There is no address listed in their email and I can't find anyth
There is no address listed in their email and I can't find anything on their phone number except that 512 is an Austin,Texas vicinity area code.
No physical address?? Highly suspicious and I cannot find ANYTHI
No physical address?? Highly suspicious and I cannot find ANYTHING on them at all.
I would do this to start-
Respond back to their email demanding a validation of debt...there is a good validation of debt letter on these boards from Anthony Lemons.
Demand a physical address.
LOTA
Tried reverse phone lookup and got this:
(512) 340-0493
Type: Land Line
Provider: Southwestern Bell
Location: Austin, TX
Unfortunately not much else
Anyway, I'd do exactly what volleyballmom said, when you request company info like name, address, phone numbers the fdcpa provides you access to that information. Also did they mirandize you? (include the "this is an attempt to collect a debt, any information obtain will be used for that purpose"?)
LOTA
Re: Demand for Payment (I'm under the impression that this is initial contact, what are they replying to you for?)
Please be advised that you owe Litigation Of Theft Arbitration (LTA) the sum of $1,350.00 DUE TO NON-PAYMENT OF OUR CLIENT CASHNMINUTES.COM. ALL ATTEMPTS TO CONTACT YOU HAVE BEEN UNSUCCESSFUL.
. (have you recieved any dunning letters? ask how they attempted to contact you. If they haven't sent you any physical written dunning letter and waited for the 30 days for dispute, they can't be making collection attempts, let alone threatening lawsuit, being they are in TX and your in KY (I assume) they may not be able to sue you (1)
This will be your only chance to settle this matter before LTA files suit against you in Court. LTA is agreeable to a lump sum payment. Please contact me on or before September, 28, 2007 for purposes of settling this matter. If I do not hear from you on or before September, 28, 2007, LTA will file a lawsuit against you without further notice. (you have to be served) It is in your best interest to settle this matter before a lawsuit is filed. If a judgment is obtained against you, it will negatively affect your ability to get credit, you will be ordered to pay court costs, and you will incur interest at a rate of 10% per annum. (Ok I remember something else in the fdcpa about using verbage easily understandable to the least sophisticated consumer, annum (latin for year) is not using simplitic verbage= possible violation.
Based on the foregoing, I expect payment in the amount of $1,350.00 made payable to LTA, no later than September, 28, 2007. (I can be reached at: 512-340-0493 ext 11.) If you choose to ignore this demand for payment, LTA will further pursue all of its legal remedies without further notice to you. This letter serves as evidence that LTA has attempted to resolve this matter informally.
Sincerely yours,
Travis Watson
Litigation of Theft Arbitration
Also the fact that they are pursuing over 1k for a 150 dollar loan that you've already paid over 200 for is probably a judgement that won't fly in court unless they have signed documentation to back it up. And there are usually laws that either limit the ammount CA's can charge or may even limit the ammount to no greater than the actual ammount of the debt (check with your states statutes as well as the lenders since being an internet PDL makes it kinda sketchy on what state the debt occured in) Also when you make your request for debt validation, request supporting documents (most state statutes provide 45 days for them to furnish the documents)
Is this company even licensed in ur state? Sounds to me like a t
Is this company even licensed in ur state? Sounds to me like a threat to scare u into paying! The way i see it, u've paid them back what u owe and i really don't see them suing u over a 150 loan that has been paid back!
But for lots of help u can post this over on the pay day loan forum and they have lots of knowledge there to tell u what to do step by step.
Good Luck but plz don't worry over this!
Ang
Ang-There isnt squat on this company let alone a license :shock
Ang-There isnt squat on this company let alone a license :shock: I've been looking and kashzan called the ph# only to have someone answer to say "litigation company" which makes no sense at all.
I think it is a scare tactic, too. It seems to me that I have se
I think it is a scare tactic, too. It seems to me that I have seen the name Travis Watson on this forum before...
Internet PDL's are illegal in Kentucky according to the Kentucky
Internet PDL's are illegal in Kentucky according to the Kentucky office of finance. For a PDL to occur in our state of Kentucky the PDL company has to have a physical place of business in Kentucky and be licensed. Kentucky will not license a PDL company if they do not have a physical store here. You could have borrowed the 150 and paid them nothing and they would not be able to do squat about it. I would reply to the email by simply saying "see you in court."
CashNMinutes Scam
Maybe this can help all of those victims (like myself) of this fraud. I am currently filing a lawsuit agains this company as should all of you involved. These companies take advantage of the hard working people. Please take this information and give to your attorneys/lawyers and the Better Business Bureau in your area. Here it goes;
Cashnminutes
2409 Paseo Rd
Colorado Springs, CO 80807
Capital Investments (probably the owner)
umastin@hwsinet. com
719-632-0651
The web site that manages it is;
Heritage Web Design
1460 Moon River Dr.
Provo, UT 84604
801-655-1600 P
801-747-3629 F
domains@hwsinet. com
Please gather as many people that are victims and we will fight back.
Travis Watson-Cash N Minutes
I received a payday loan in the amount of $150 on August 31st, 2007 and have unfortunately been unable to repay the $200 due. I have heard nothing from the payday loan company-Cash N Minutes, or anyone else by phone, email or postal mail until today. A Mr. Travis Watson telephoned me and immediately accused me of attempting to defraud a financial institution, threatened me with criminal charges in the state of Texas and my state of Washington, and demanded that I pay $1006 (approx.) TODAY to stop such and other court proceedings. He put me on hold briefly to talk to "the attorney" about accepting payments....when he came back on the line he said "the attorney" agreed to accept $600 and some odd dollars in three equal payments the first due TODAY within a 4-hr time span! I realize I owe this debt and a reasonable amount of fees....but can what he/they are doing be legal?
Hi skbright. I think this is a scare tactic. These companies kil
Hi skbright. I think this is a scare tactic. These companies kill me!!! Like you have a grand growing in your back yard or something! There is no way they can get away with charging you that kind of money on a $150 loan. As said above, it doesn't look like they even have a license. To be on the safe side, though, please post what state you live in. We can post your state laws for you. Don't be intimidated by this Travis Watson, either. Like I said before, I recall his name linked to numerous threats. He's full of hot air.
CashnMinutes
My fiancee called back to get a physical address for the litigation company and the only thing they would tell him is that they are on Congress Avenue in Austin TX.
Rich Franklin is also another one that is working for this company.
Theft Arbitration Cash N Minutes
I received a phone call today from a Rich Franklin from the litigation company. He told me that I owed $1400 on a $200 and that they would settle for $562 but it had to be there by tomorrow morning at 10:00am or they were going to issue a warrant for my arrest. They would charge me for Felony theft which serves a sentence of 10 years in prison. He not only told me that but when he called he told my fiancee that he was working for the Warrant Division in Travis County Texas. When he talked to me he said that he was working for the DA in Travis County on my case. This crap needs to stop I am calling Travis Co Sheriff Department tomorrow to let them know that this guy is posing as a Warrant Division Officer and see what I can do about the rest of his hateful threats. I never received a letter via email, postal or a phone call until today. The sad thing is how many people
are they doing this to and actually getting away with
it. My loan was due on September 28, 2007 and they want to get me for Felony theft for being what 13
days late.
Let's see what you can get him on. 1. fdcpa violation: Threaten
Let's see what you can get him on.
1. fdcpa violation: Threatening criminal action, this is a civil matter not a criminal one.
2. Impersonation of a court official
3. Since they had made demands for monies less they incarcerate you, it is considered extortion.
File a complaint with your local sheriff's office, your states attorney general, Texas's attorney general, and the FTC.
Cashnminutes
I need to know if I need to send LTA any money. Travis Watson called me Thursday and I was suppose to send
$300 Friday and then the rest in 2 weeks. He told
me that the company wanted to file a lawsuit against
me if I did not pay it. After thinking about it I
feel that I should only have to pay the $200 if that
considering what his partner did to me on Wendsday.
Please I need some help.
Tell me, what exactly did his partner do to you on Wednesday?
Tell me, what exactly did his partner do to you on Wednesday?
What his partner did
Rich Franklin is the guy I talked to Wendsday. Rich called me at work and told me that I owed $1400 to
their client Cashnminutes. He said that they would
settle on $562 for a $200 loan. He also stated to
my fiancee that he worked for the Travis Co Warrant
Division. He said that if I did not have the money
sent to LTA by Thursday morning at 10:00am that they
were going to issue a warrant for my arrest and press
charges against me for Felony Theft. He was mean
about and rude. So anyways I was scared to death
trying to figure out how I can get this money to
them by Thursday morning. After finding this forum
and talking with my fiancee and my mom I decided not
to send the money Thursday morning. Then Travis
Watson called me Thursday morning and said no they
are not going to file charges but the company did
want to file a lawsuit against me and that this was
the last alternative option. He stated that while
talking to his partner I said I was not going to pay
back the loan. That is not what I said I told Rich
I would get the money sent by Thursday morning.
How could this be my last alternative option when I
did not have a first or second option. Anyways it
has been waving heavenly on my mind since Wendsday and I don't know what to do. My mom says don't pay it send them payments for the $200 I owe. Of course she
also stated not to pay it that she feels after what
I was put through Wendsday that they owe me. I filed
a complaint on Cashnminutes with the FTC, fdcpa, and
the Better Business Bureau.
Better file complaints with your attorney generals office, and t
Better file complaints with your attorney generals office, and theirs. If you wish you could file suit in civil court for $1000 for the fdcpa violations. You have committed no felony theft, any debt you allegedly owe to them would be a civil matter, not criminal. Now the two criminal acts that was been done here was attempted extortion, that happened when they basically said give us this money by this time or we will have you arrested, and since they like to brag that they are with Travis county warrant division, that would also be impersonating a court official, as only a magistrate/judge can issue warrants. In addition to that just send them a debt validation letter via certified mail, return receipt requested, along with a cease and desist letter limiting their communication to you via writing (using such illegal and unethical collection practices I would suggest getting everything from them in writing that way you have a paper trial) by the way, have they sent a dunning letter to you yet? If not they have 5 days from the date they contacted you to get it to you. Also once you get the card back that shows that someone had received the letter with a copy of their signature on it, keep it in a safe place because that could be ammo for you later down the line.
Here is a link for a good debt validation letter:
http://www.debtconsolidationcare.com/letters/sample6.html
Send that to them in the manner I suggested above and see if they can validate it. Also, what state do you live in? (I'd like to know so that I can check if it is legal for you to record phone conversations with only your consent and without their knowledge. If you don't have an address for them then you will have to contact them for the address, if they refuse tell them you want to send them a written request for debt validation, if they still refuse then they have refused to provide validation of debt. I'll await your feedback for now and we'll take it from there.
You should also check to see if they are bonded in texas...all c
You should also check to see if they are bonded in texas...all collection agencies have to be bonded. I would hit back..hard. They are breaking the law in so many ways it isn't even funny. Next time these bozo's contact you, thank them profusely. Seriously...it will stump them and when they ask why you are thanking them, answer because they made it possible for you to take THEM to court on all these violations.
Whatever you do, don't cave in and pay them one red cent. They should be paying all of you with all this BS they are trying to pull. They are breaking the law, not any of you.
Bast is right, you shouldn't pay them anything. The line of ques
Bast is right, you shouldn't pay them anything. The line of questions I am asking is leading to catching them in the act.
Travis Watson
I live in Texas. I took Criminal classes in college
and I should know this but crap when it actually
happens to you it is a whole different ball game.
Anyways thank you all for your help I will probably
be coming back to update everyone on what is going on
I can gurantee you that they will be calling me
tomorrow. My fiancee asked Mr. Watson for there
address and he declined on giving it to us. I have
tried to look it up in superpages.com and the yellow
pages for Austin and I can't find anything on them.
Be sure and makes notes of everything they have told you- if it
Be sure and makes notes of everything they have told you- if it is legal in your state, record them-they are blatenly braking every law!
I would also call the DAs office and ask them about them and tell them someone is posing as working for them- they don't like that kind of behavoir.
They tell you these thing to scare you into making a payment before you can think about it, or if you can afford it.
JCEMT is right- they are breaking rules and laws all over the place. If it were me, I would call the Sheriffs office and tell them you are scared because someone is saying they are with the warrants division,works for the DA, etc., and coming to arrest you, and you want to check it out!
Good Luck and keep us posted..KAren
The complaints I file do I file against LTA or CashNMinutes.
The complaints I file do I file against LTA or
CashNMinutes. I have already filed complaints against
cashnminutes. LTA is going to be hard because all I
have is a name and phone number for this company.
Here is a thread about LTA, read all the posts and you can see y
Here is a thread about LTA, read all the posts and you can see you aren't alone, and maybe what others have done.
It seeems that no one has been able to find a physical address for them which is suspicious to me! I guess you could file complaints with what info you do have-they may be able to find them! Good Luck..karen oops here's the thread at http://www.debtconsolidationcare.com/collection-agencies/theft-arbitration.html :D
What phone number do you have? I'll try to dig up something.
What phone number do you have? I'll try to dig up something.
Regards
JCEMT
Let's see, 512 is Texas area code, cash n minute is a Texas base
Let's see, 512 is Texas area code, cash n minute is a Texas based company, their info is:
Cash in Minutes
100 East Whitestone Blvd. # 148
Cedar Park, TX 78613
Telephone: (866) 633-3729
cashnminutes.com
Not much more information to be found at this point, I tried to call them but I reached their voicemail (the voicemail message sounds like Vin Diesel and Darth Vader had a kid together) altogether a failed attempt at being overly intimidating. Also intellius (one of the sites that I hit while searching) listed it as being a residential line. I'll try to call them Monday and with a little subterfuge and tact I may be able to coax a little more information from them.
Thank you JCEMT I appreciate everything you are doing. I am tir
Thank you JCEMT I appreciate everything you are doing.
I am tired of companies thinking that they can walk
all over us. I am trying to do the right thing but
it is hard when you have **** like Rich Franklin
and Travis Watson. Anyways again Thank You
[color=Red]****Adult term removed - Jason[/color]
I also used the information another user gave for cashnminutes
I also used the information another user gave for
cashnminutes in CO to file my complaints do I need to
use the TX information to file new complaints.
You also might want to contact your local PD since they have com
You also might want to contact your local PD since they have committed a crime, file a criminal report. Once you give them the phone number they can get the warrant required to get the correct information disclosed.
Okay so Travis Watson called me today and so since I did not p
Okay so Travis Watson called me today and so since I
did not pay them anything. They are issuing a
subpoena for me to show up in court. What the hell
do I do now.
I just called them trying to get info on them but they refused t
I just called them trying to get info on them but they refused to give me their mailing address. I told them that I am a lic. paralegal looking for work (as they claimed to be a law office) They just asked me for my number and that was it.
My first suggestion is to contact Texas comptroller (I think it
My first suggestion is to contact Texas comptroller (I think it is their tax department) to verify their business license.
Texas comptroller office:
800-252-5555
They will direct you to whom you need to speak to, if it is not them then they will tell you whom you need to speak to, if not then the next course I would suggest is contacting the secretary of state's office, the number is:
(512) 463-5555
Finally there is also the Texas state attorney general's office:
The website is: www.oag.state.tx.us/ I tried accessing it but it seems to be having problems right now.
CASH IN MINTUES, CASH TODAY, CASH N MINUTES, PAYDAY
Ohhh I think I know these scammers all too well!
Try This address:
Corporate Offices
P.O. Box 1485
Euless, Texas 76040
Also Listed at
720 W. Hwy 10
Euless, Texas 76040
Also known as CASH TODAY, PRIDE n TEXAS, PAYDAY FINANCIAL
722 W. Euless Blvd.
Euless, Texas
Noble A. Craft, look him up.. he is known!
oh, next time make them made by telling them to go to hell with
oh, next time make them made by telling them to go to hell with a pair of gasoline soaked drawers on :twisted:
Wow, Granny just went dark side on us. lol Good one Granny.
Wow, Granny just went dark side on us. lol Good one Granny.
Travis Watson
I need help with this guy, Travis Watson. I am tired of his threatening voice messages. I only missed one payment about a week ago and he is acting like I am avoiding the whole company, which I am not.
I have sent emails which, I guess, are forwarded to him. What is this company and how do I get a physical address.
alexmg
I need HELP!
Travis Watson (CashNMinutes.com) contacted me and requested a payment of $475.00 for $150.00 loan which was defaulted about a week and a half ago. I haven't even had time to contact the damn company before he is calling. What do I do and is this legal?
I need HELP!
Travis Watson (CashNMinutes.com) contacted me and requested a payment of $475.00 for $150.00 loan which was defaulted about a week and a half ago. I haven't even had time to contact the damn company before he is calling. What do I do and is this legal?
I would contact your original lender and not talk to him at all.
I would contact your original lender and not talk to him at all. I have been unable to find any documentation showing that his company is even registered as a legit business and that really bothers me.
That would also add up to 300% (roughly) interest. That's predat
That would also add up to 300% (roughly) interest. That's predatory lending if it is interest they are charging.
Travis Watson
See.. I tried to contact the original company and then right after I sent the email, he called and left a message stating that this has been forwarded to his office and that they were told to cease communication with me.
I don't see how it is legal to charge an extra $159.00 for his services when I didn't ask them to send it to collections after a week anyway.
I am paying
$150.00 for the original amount received
$ 66.00 for the renewal fee
$ 50.00 NSF fees (they ran it through twice)
$159.00 for his legal services?
I do not understand this and there is no way he is going to receive the full amount. I will send the amount I know I owe but the $159.00 fee is not coming with it. And, I do not see why I am paying 2 NSF fees. I have had an advance bounce before and they charged me one fee.
Please help me with any information.
I really appreciate all of your help, because I live in Louisiana and do not really know what to do about this.
alexmg
You should contact a attorney well versed in collection law as w
You should contact a attorney well versed in collection law as well as finance. You could try naca.net as a start. Get yourself a consultation and see if there is anything that can be done about this. I recall somewhere in the fdcpa stating that they may charge reasonable fees but $225 of a $150 loan sounds a bit much (when I say a bit, I really mean alot)
I cannot in good faith even tell you to communicate with this bo
I cannot in good faith even tell you to communicate with this bozo for the following reasons:
1.Phone number unlisted comes up as residential.
2.No known record with better business bureau.
3.No registration records available with Texas Secretary of State.
4.No known collection bond on file with the state of texas.
I would personally ignore him and file a complaint with the Texas Attorney General for their behavior and lack of business licensing.