I recieved a call from international cash services

Do not do business with ICS otherwise known as international cash services. They are a payday loan company and it will not do anything but hurt you. I have defaulted on a loan from them and although they dont call and harass me, i have to pay so much in fees because i defaulted. Chmartinbaby06 do whatever you can to avoid doing business with places like this. I believe they are affiliated with Cash today Limited. I have no address or anything on ICS, they called me twice and I cant seem to get through on the number.

thanks for replying back to my message but if any one knows who these people are and a number to reach them please notify me cause i want to tell them to stop calling my phone and harassing me and i never got approved for the loan any way because they are probaly trying to tell me that i am now approved but i dont even want the money now

chmartinbaby06, if you are not able to locate them in anyway, ask them to send you in writing explaining the reason. I hope you will be able to gather the address from their mail.

Regards
Roxette

well i have their number its 1-800-865-3703 but i can;t seem to ever get in contact with anyone
but i think they are trying to get me to get a loan from them i don't think so i'm not doing anymore loans

I actually spoke with ICS today about repaying my loan with them. They were very understanding and have agreed to payment arrangements over 6 payperiods and I would not incurr in addtnl fees for this. I was given an address that I could send a money order to, because I told them that I did not feel comfortable giving any account info over the phone.

It feels good when you are able to work with the companies that you are in debt with in a pleasant way. Especially if they are not harassing you. They basically just asked me what I wanted to do. Considering how long I have defaulted on this loan, I only have to pay back 289.00. Just thought I would share this with everyone.

I just recently applied for a cash adv. I received a call late last night about 10 something from a caller with an accent. This morning I was given a 24/7 800#, however when I call them no answer 1 800 690-9975. Thanks for the info, I will not do business with them.

Rhonda,

Thanks for sharing this info. It really feels nice when the creditors are willing to work with the consumers. I think many people are still not willing to realize the sense of responsibility of the consumers towards paying of the debt.

I wish your post should be read by those who criticize the consumers for not paying their debts.

Regards
Roxette

Rhonda thanks for the information on that and I am not taking out payday loans anymore but I am trying to get all of my payday loans payed off I am trying to be off to a fresh start

Someone called my "employer" and said they were getting ready to garnish my wages. ICS: 1.800.865.3703. International Cash Services. They were calling to verify my employment. They don't know I'm a subcontractor, not a direct employee, so they can't garnish my wages! Their fax number is 1.800.865.3704. We must stop these people from England who fail to abide by American law!

Yes Cindy

These people need to be stopped and likewise, many others following the same illegal tactics.

Have your lodged your complaint with the FTC, BBB, consumer protection office. We all need to make complaints collectively so that the bureaus can take speedy actions.

Regards
Roxette

since they denied your application, these calls would amount to sales or telemarketing calls in my book. Have you registered with the Do Not Call Registry?? If so I would file a complaint. While the law does allow contact from people you have an active business relationship with, I would think since they denied your application, that relationship is effectivly terminated.

ok, on the subject of I.C.S. and Cash Today, which are linked.
I am an employee of Cash Today for the collections department who try and get the money back from defaulting americans who take the money we loan them in good faith and then don't repay.
In the transcript, (that's the phone conversation) it states, and i quote 'do you understand that the loan you are receiving is being made by I.C.S./Cash Today Ltd of London England, that the terms and conditions are subject to the laws of England, and that you submit yourself to the exclusive jurisdiction of the English Courts? If yes, please state your full name and today's date.' When you agree to this, you agree to submit to the laws of England, which includes wage garnishments. We actually don't give out the loan to people who are self employed so by misleading our company into believing you have an employer, you have committed fraud.
as for the person who was not accepted for the loan due to the amount of hours they worked, i have no idea why this was the case. We only refuse loans to people who have worked at their job for less than three months, maybe this was the case and the representative did not explain what they meant properly.

You can lodge your complaint with the FTC and the BBB and anyone else you like, as we are not an american company, we lie outside their jurisdiction.

as long as someone meets our requirements to take out the loan and makes the payments when agreed, you should have no problems with either of the companies you complain about so vociferously.

and as for Miss - 'We must stop these people from England who fail to abide by American law!' - YOU GO GIRLFRIEND!

Hi Stuart

Welcome to the forums. And thanks for the insight also.

It is understood that Cash Today falls under the jurisdiction of England? Does that mean that any disputes arising with the consumers have to be solved in the English courts only?

Isn't there any way to get things solved in the US?

Please let us know more on this.

Roxette

Regardless if Cash Today is a British company subject to British Law or not, If they are doing business in the US, they are still subject to the laws applicable to their business in the United States. If anything, I would think being subject too two jurisdictions would make it harder for them to engage in in business.

However, it would probably be a a good idea to see if anyone can find out if there are laws similar to the fdcpa and FCRA in England, and what Agency is responsible for thier administration there.

I was poking around on the FTC website, and under the "file a complaint" link, they have a page to file a complaint about companies based in other countries and doing business in the US..IT seems from what I gathered that they are still subject to US law.

This topic really got me thinking. So I called the FTC consumer help line (877-FTC HELP) and spoke with a lady named Erica, very nice and helpful. I asked her in a case where someone takes a payday loan (say over the internet) from a company based over seas are they still protected by American law? I was surprised in deed when she replied no. She stated financial transactions, loans, etc are subject to the jurisdiction and laws where the transaction took place. So I started surfing payday loan websites and looking at disclosures. Some examples I found:

Mycashtoday----- Granada.
discountadvances----Granada.
Paydayok......New Mexico, USA
cash1.........Utah, USA

Obviously am by no means advocating the use of payday loans as a means of balancing your budget. Quite the opposite, run far, far away. However if you are left with no other alternative. PLEASE protect yourself and check the disclosure statements, find out what jurisdiction the transaction will fall under, and protect your self under American law, or even from a store front operation in your state, so you know you are covered under your own states laws. For example in Illinois, you can only have 1 payday loan out at a time (verified through a statewide database) and can only renew 3 times before it must be paid off).

I may suggest for those who have payday or cash advance loans in collections, you may want to look over your disclosure to see what jurisdiction your transaction falls under, and then do some research to find out what right you have under that jurisdiction. That may be how companies like Ellis Crosby are getting away with doing what they do.

Clay, I was also feeling the same thing. If a company based overseas is doing business here in our country, it is obvious that it has taken permission from the Federal as well as the state government. If they are doing business without their permission, it is definitely a legal crime. They are required to follow the terms and conditions set by the government here and all the consumers disputes have to be dealt here.

If cash today claims that they do not fall under US jurisdiction, it clearly means that they don't have permission from the Federal government. In that case, they are violating the laws. Do we still need to pay our debt to a company that might be alleged 'illegal?'

If any one from Cash Today can clarify here, it will clear the doubts.

Actually Ben, that exactly oposit of what the FTC told me. Loans and other financial transactions which are consumated or exicuted in another country are not subject to US law. In the case of Cash Today, they state they are subject to the laws of the United Kingdom. Becasue the transaction will be deemed to have taken place in England, the consumer is NO LONGER PROTECTED uner US law, but subject to the regulations, provisions, and rights and any protections afforded under British law.

Now if an overseas comapny is doing business in a physical location with in the US (say for example Cash Today has a store front operation in Chicago),And loans are exicuted at that location then they are subject to US (and Illinois) state laws.

I stated in my previous post many of these internet payday loan or cash advance operations have discloseures which state the transactions are deemed to have taken place at their offices in Granda, England, Scotland, Utah(USA) , Delaware(USA), New Mexico (USA) etc. and not in the jurisdiction of the location where the computer which was used to initiate the transaction.

I applied for a loan with them and for the past 2 months. They have taking $89.00 every two weeks out of my account plus $125.00 totaling $481.00. This is for a $200.00 loan. I feel they have taken what is owed plus more. Never again will I do a payday loan.

Trisha, have you notified the company about the amount that has been withdrawn from your account?

They are required to update your accounts as 'paid' with the credit bureaus. This is necessary so that you don't get collection calls later.

Send your letter through certified mail with return receipt requested so that you can track it for later use.

To the person that was given the address to send a money order to. Can you please reveal it to me. Thanks.

I also had a loan with ICS, they are letting me mail payments to: ICS, 2207 concord pike, suite 417. willmington, DE 19803 (located in the US!!). the phone # I have is different 1-800-865-3898, try that one. and fax 800-865-3704. I am really behind on payments too, but luckily they haven't tried to garnish.

Thanks so much trina. That really helps. At least i have one address to contact them through.

Clay, you are 100% correct! A foreign company CANNOT do business in the U.S. without abiding by our laws. By being licensed to do business in the U.S., Cash Today has agreed to our fdcpa regulations. No matter what verbal disclaimer they give you when they speak to you, they still must come up to the American standard of doing business when they are dealing with Americans.

Sorry, Stu!!! Might want to have your legal team at the office brush up on their info.

However payday loans are illegal in georgia, texas an ny, and i know the georgia attorney general website states that all payday loans are not legal including internet payday loans, so the dummies should look into that, for their stupidity of giving out loans to these areas they should not have, they are just trying to harrass people to pay back all the money from the calls they make, since you know it cost alot for these calls. On top of that when i told the rep that he could not legally collect this debt in the state of georgia, he started stuttering and saying it just pay the loan in full they will close it out, but the disctrict attorney here stated not to and i am writing a letter to the loan commisioner in georgia as it states to do so on the georgia attorney general site

Hello, I have recently taken out a loan from ICS and Cash Today Limited. Both were the same, state your name and today's date and both were said to be in England. However, I unfortunately defaulted on both of these loans due to a loss in income when my fiance lost his job. I contacted a lady from ICS 10-11-05 @ 800-865.3703 and she gave me an address to mail a money order to. I don't think these people work out of England because the address I was given to send payments was: ICS, 2207 Concord Pike, Suite 417, Wilmington DE 19803. This is not a England based company that has a Deleware address?!

Hi debbiec

Cash Today limited has its main office in England but they have their operations in US also. All the bank accounts are debited to the office in England.

Keep your payment receipts intact as it is only proof of your payments made to them. You might be required to prove it later, just in case.

Regards
Roxette

The delaware address is a mail drop. What you agree to via the phone is a voluntary wage garnishment. If they try to garnish, I believe they would have to go to US court to force the issue, they may be able to obtain a judgement in an enlgish court and then ask a us court to enforce it, either way it will cost you more than repaying it. I too got myself into trouble and defualted on a loan to them. However, I was able to stretch out paying it off over almost a year. No matter what they say, tell them what you can afford to pay and then follow through. The fact remains that if you accept a loan from them, you have agreeed to their terms. I you cannot accept those or do not understand them do not accept the cash. Having dealt with being almost $3000 in the hole to payday lenders,and having paid them all back.. I say stay away from them, however if you do use them and get into trouble, be honest, be sincere and follow-through on whatever you say.. .you have what they want.. money and they will take the easiest way to get it that they can. Most will threaten, but few will actually take the steps to take legal action because they have to spend money to get yours. If you give them an easy way to repaid without having to spend their $$ they will accept.. they may complain, and threaten, but they will do it.

I had a loan through ICS and they have been one of the better companies to work with as far as harassment goes. They will let you mail a money order for payment to the address posted earlier in Delaware. You do have to fax them a copy of the money order to 1-800-865-3704 on the day you mail it. They are pretty agreeable and let me set up a payment plan.

We also had a loan with ICS....your info...provided..is very helpful.."Thanks to All"......Your input..very appreciated.

I have people calling me all hours of the day asking for someone who I dont even know. I have told them repeatedly to stop calling and they have the wrong phone number yet they still continue to call!

I just mailed a money order in for $378.00 to cash today, ltd for payment in full, SIGH!!!!! i spoke to a guy wednesday from their office and told me $400.00 to close account, oh well i am $22.00 short, but when i called monday 10-24-05 at 9:30 am i spoke to a gentlemen named brian, evidentally my account went into investigations, i told him that i mailed a money order to their reno nevada office. i have not received any calls monday or tuesday from them (OMG, a really big SIGH). the way i see it they just made $178.00 off of me for a $200.00 loan and to tell you the truth i really could careless at this time. money is tight but i couldn't deal with the calls any longer. as far as i.c.s, i sent in a $25.00 m.o last week and i am sending another one in this week. i am only going to pay face value of the loan that was given to me. i hope to pay the $150.00 off next week, again SIGH. LOL, how stupid could i have been, i just paid cash net the face value of that loan monday, i w.u $150.00 for a $350.00 loan. for all you guys that have more then 1 loan, please take it from me they are a headache and cause so much heartache. i am also in the process of making partial payments to collection agencies. i am not going to give myself a nervous breakdown, like i have been doing for the last 2 1/2 weeks, i am going to make payments each week and try to pay 1 off each week. these loans will go away soon as long as i pay so much a week. thanks to all the moderators for this group, you guys don't know how much i have learned in the past week since i have been actively reading and responding to the different forums. i can look at collection agencies in a whole new light and know that all the brawling and threating they do each time they are breaking the guidelines under the fdcpa. thanks again guys!!! 2 1/2 down, 6 more to go....lol

debbie c.

Hi debbiec

Welcome back.

Guess, if you would have been able to take control of your financial situation some time earlier, you would have been making easier payments by now without stressing yourself.

Now that you are determined to pay this loan completely, you will be able to see the positive effect on your credit file also.

Do let us know as things shape up.

Thanks
Roxette

way to go debbie, u should feel proud that you are taking control, make sure u are making payments u can handle too, I know ICS for one, may grumble if you don't pay what they want, but as long as you tell them whaat you will pay and then do it they will go along with it. stay strong... now who can tell me about Bennett and Deloney?

Bennett and Deloney has been sued by the attorney general some time back for charging excessive fees to the amount of debt. They sound like a scam and still are doing their business. I head they charged $800 on a $20 debt that was not paid. So, you should be very careful while dealing with them. Get your debt validated before you agree to pay on it.

If anyone has a mailing address for this company, please share it. Thanks.

Hi BKE

Welcome to the forums.

You can mail ICS at the following address:

ICS,
2207 concord pike,
suite 417.
Wilmington, DE 19803
Phone # 1-800-865-3898,
Fax # 1-800-865-3704.

Regards
Roxette

why you people are worried about these companies

what ever it is, if you feel it unfair just see this


If you want to file a complaint about an online transaction that involves a foreign company, please use our econsumer.gov complaint form

econsumer.gov/pls/econsumer/wimsnery2$com.main?p_lang_seq=1

ICS is a fraudlent company. By giving them any information they want, your account is in jeopardy. They will take money out of your account, unless you block them from doing so. They weren't supposed to do anything until a week after they called me, but did so anyway. PLUS, they know of ways to delete their e-mail messages. Don't get an ICS payday loan. They aren't supposed to be offering their services in the US anyway. It's illegal.

does anyone know the web address for this company? I have tried locating them on here but can't seem to find them

We all have been trying to locate the website address of Cash Today. But this company has the head office in UK and a US postal address to communicate with people here. All the debits in the accounts are made from the UK office. Search for this company in the BBB website and read the comments there.

I am just so confused by this whole thing. My girlfriend's loan was for 200 dollars a just 5 month's ago. She has already had over 1000 dollars taken from her account.

ICS says she owes another 379 dollars.

Foreign company or not, 1000 dollars for a 200 dollar loan must constitute payment in full. What kind of interest rate are these people allowed to charge?

I want to close the account they are tapping into, but are they just going to garnish wages.

Can anyone offer a suggestion on how to stop this madness?

Mr. Stuart Stanford,

You were curtious enough to respond on this post in the past, please do so again. I want to understand this process better.

I understand that you are in England... It sounds as though you are immune to US laws... What I don't understand is what you want. You have made a killing off a 200 dollar loan. 500 percent interest in 5 months. How much more do you want? Would you have continued to withdrawl 89 dollars from our account indefinitely?

How much of that 89 dollars is applied to principle?

Hi esbioeng

Close your checking account immediately. If the account is kept active, more money will flow out from it and you won't be able to stop these debits.

You have paid much more than the loan amount. Now, the company has to give you a financial statement of all your payments made. After having the statement, you should claim for a refund also for the excess amount paid.

Thanks Ben,

I am closing the account. Unfortunately, ICS says they "are a paperless company" and that they cannot provide a statement.

I don't have any idea what to do next.

Esbioeng

In this forum, many people have already gone through this situation or are facing it while dealing with this company. I feel that ICS is doing illegal business by keeping themselves out of the US laws. Maybe, they want to take out money like this only. I am assuming that even though, this company will try to contact you and force you to pay more but it won't have any leg to file a case against you. They don't have legal reasons to do so.

You will do the right thing by closing the account. Wish if you have done some research earlier, you won't have suffered this much loss even.

I hope you're right Ben.

This is something of a nightmare right now.

Does anyone know any more details about ICS. Will they follow through with threats to garnish? Do they have a leg to stand on in this country? Do they report to Equifax? If I close the account and just stop paying will it all go away?

I just want to pull the covers over my head!

I have filed several complaints this afternoon with different agencies. I'm sure it won't help, but what the heck? Even found an agency for consumer complaints in the UK and one for international complaints.

I just wish I knew what else I could do.

It would be nice if ol' Stu would post again.

With any luck at all, he's in a nice British jail right now.

Just put a search on ICS or International Cash Service in this forum and you will get loads of information from the community. After reading those, you will be able to frame an answer for yourself.

Nothing will happen to you. If you keep your account active, you are sure to lose your money. But if you close your account, you will be proactive of saving some.

When you will need to defend yourself if at all required, you have all the necessary proof. Regarding the negative mark appearing in your credit file, I think that you should explain it to the credit bureau. Hopefully, they will suggest you better ways as they are authorized to help the consumers.

This is the real phone number 1-800-620-8796