Settlement Offer from United Cash Loans/MTE Financial
Date: Tue, 10/09/2007 - 10:02
Quote:
***SETTLEMENT MUST BE CONFIRMED BY 10/11/07**** My name Reactivated account- We received your recent communication in this department. The terms and condition are available from the website from the time of application, and there is a 48-hour window of in which to cancel the agreement and return the funds without incurring any fee. In addition before each debit an account summary is provided to you; which also summarizes the terms once more and all the options you have for repayment. We can fax a copy of your loan documents for your review. Per the contract and account summaries emailed to you, if you had wanted to avoid additional fees, you needed to pay in full on your first due date, or soon thereafter. We received no paperwork from you requesting to pay in full since the inception of the contract. Since you are a repeat customer, we believe and have documentation of your understanding of our terms and conditions (all email, phone, fax transmissions are recorded). We do wish to assist you: ***********Current Balance at this time: $480.00 in collections****************** We can offer a one time reduction offer: ______$300.00 (amount of Deposit)____ Your account has been reduced to the above amount owing until : ___10/15/07___. We will not debit your account again to give you a chance to pay the reduced balance, if no response or payment is made-regular debits will resume per the contract after 10/15/07. ****YOU WILL OWE NOTHING MORE IF THIS SETTLEMENT IS RECEIVED******* The money for the reduced offer must be sent via Moneygram Moneygram -For locations please call 1-800-926-9400 Pay to: United Cash Receive Code: 4309 City/State: Miami, OK Account: Compliance/84810617 After 10/15/07 if we have not received the reduced balance offered, the account will continue per the contract for the full balance, now in collections, since we are the Original creditor, fdcpa does not apply, and we will contact you at any#'s we have for payment arrangements. You must confirm this offer within 48 hours. United Cash Compliance Department Fax: 1-800-230-9480 Email: compliancedepartment(at)unitedcashloans.com -- E-MAIL Disclosure: The preceding electronic mail messages ("e-mail") and any attachments contain information that may be confidential, legally privileged, and/or contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information. Unauthorized interception of e-mail is a violation of federal criminal law. If you are not the intended recipient of this e-mail, you may not read, disclose, print, copy, or disseminate the information contained herein. In the event that you have received this e-mail in error, please reply to the sender of the e-mail only and delete the original and all copies of this transmission (including any |
Then I got this one
Quote:
***SETTLEMENT MUST BE CONFIRMED BY 10/11/07**** My name Reactivated account- We received your recent communication in this department. The terms and condition are available from the website from the time of application, and there is a 48-hour window of in which to cancel the agreement and return the funds without incurring any fee. In addition before each debit an account summary is provided to you; which also summarizes the terms once more and all the options you have for repayment. We can fax a copy of your loan documents for your review. Per the contract and account summaries emailed to you, if you had wanted to avoid additional fees, you needed to pay in full on your first due date, or soon thereafter. We received no paperwork from you requesting to pay in full since the inception of the contract. Since you are a repeat customer, we believe and have documentation of your understanding of our terms and conditions (all email, phone, fax transmissions are recorded). We do wish to assist you: ***********Current Balance at this time: $480.00 in collections****************** We can offer a one time reduction offer: ______$300.00 (amount of Deposit)____ Your account has been reduced to the above amount owing until : ___10/15/07___. We will not debit your account again to give you a chance to pay the reduced balance, if no response or payment is made-regular debits will resume per the contract after 10/15/07. ****YOU WILL OWE NOTHING MORE IF THIS SETTLEMENT IS RECEIVED******* The money for the reduced offer must be sent via Moneygram Moneygram -For locations please call 1-800-926-9400 Pay to: United Cash Receive Code: 4309 City/State: Miami, OK Account: Compliance/84810617 After 10/15/07 if we have not received the reduced balance offered, the account will continue per the contract for the full balance, now in collections, since we are the Original creditor, FDCPA does not apply, and we will contact you at any#'s we have for payment arrangements. You must confirm this offer within 48 hours. United Cash Compliance Department Fax: 1-800-230-9480 Email: compliancedepartment(at)unitedcashloans.com -- E-MAIL Disclosure: The preceding electronic mail messages ("e-mail") and any attachments contain information that may be confidential, legally privileged, and/or contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information. Unauthorized interception of e-mail is a violation of federal criminal law. If you are not the intended recipient of this e-mail, you may not read, disclose, print, copy, or disseminate the information contained herein. In the event that you have received this e-mail in error, please reply to the sender of the e-mail only and delete the original and all copies of this transmission (including any attachments) without reading or saving in any manner. |
Lucy, do you owe them 300.00 Have you not paid anything against
Lucy, do you owe them 300.00 Have you not paid anything against this loan?If you do owe it, and yiu can not give them 300.00 them yes ask for a pay plan
I would send them a counter offer. And do not send them money t
I would send them a counter offer. And do not send them money through money gram use only money order or a pre paid cc.
What made me laugh is when they put in the disclosure about the Gramm-Leach-Bliley Act they will follow that rule but not the law of being licensed? lol
I sent back that I could do $75 for the next 4 paydays. Do I jus
I sent back that I could do $75 for the next 4 paydays. Do I just wait and hear from them then?
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Yes. You gave them a counter-offer. Good for you. Let us know when you hear back. No one has $300 laying around to friggin moneygram someone! Good Lord! Good job with the counter-offer! I'll be awaiting their reply! :wink:
Quote: I'll be awaiting their reply! Well, they stated it ne
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I'll be awaiting their reply! |
Well, they stated it needs to be paid off by the end of the month, so I will be doing $150 on the 15th and the end of the month... Lord willing I get my bonus and then I could just pay it off at once!! I've been working a lot of OT so I know that I will be ok financially wise...
Lucy, as long as it is something that you can comfortably do the
Lucy, as long as it is something that you can comfortably do then do it. Get rid of these bottom feeders once and for all. Good work
Good for you lucy, hopefully they will take your very reasonable
Good for you lucy, hopefully they will take your very reasonable offer and settle and you can be rid of them. I'm going to stick it to them myself....and only give them what I owe on the principal....
Quote:Good for you lucy, hopefully they will take your very reas
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Good for you lucy, hopefully they will take your very reasonable offer and settle and you can be rid of them. I'm going to stick it to them myself....and only give them what I owe on the principal.... |
$300 is the principal that I owe.
Ok, well I've been dealing with the BBB regarding MTE/Unitedcash
Ok, well I've been dealing with the BBB regarding MTE/Unitedcash loans.. Are they really the same company? This is the reply to the complaint I made to the BBB. Quote:
MTE FINANCIAL SERVICES FAX: 866-668-0535 Email: compliancedepartment(at)mtefs.com October 26, 2007 Better Business Bureau Serving Eastern Oklahoma Attn: Dan Wade 1722 S. Carson Ave. Suite 3200 Tulsa, OK 74119 RE: Mr. Wade, We have reviewed another rebuttal forwarded to our company which Kristi filed. In this rebuttal, she is referencing a company by the name of United Cash Loans. We have no affiliation with any such company. The settlement letter which she pasted a copy of in her response was not sent to her by our company. Her account with our company had never gone to collections. In fact, she had not even made her first payment for the loan that she received from us before filing a complaint with your institution. As stated in our most recent response, sent on 10/17/07, Ms. Ulrich had 24 hours in which to respond to our offer (which we sent directly to her when she initially filed a complaint directly with our company). Unfortunately, due to the fact that she has not accepted the offer made and clearly refuses to repay the debt, as she plainly stated in her most recent rebuttal, the offer is no longer be valid and her account has been referred to an outside collection agency for recuperation of the loss. We will consider this matter closed unless we hear from you. Thank you for your time and consideration in this matter. Respectfully, Compliance Department |
What do I reply back to the BBB??? Did I mistake that they are the same companies?? HELP!!! :oops:
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I thought they were the same companies also. Someone help please
I thought they were the same companies also. Someone help please!
MTE has about 30 DBA's...just ask Cannr...she has a list going s
MTE has about 30 DBA's...just ask Cannr...she has a list going somewhere..I had both of these two....but each one is treated separately by the "mothership" so to speak... even though they are all part of the same base. I think I had 4 all different names and they all reacted differently to my defaulting.
This is the latest email I got from Unitedcashloans. I frickin
This is the latest email I got from Unitedcashloans. I frickin can't pay the $300 all at once!!! I don't know what else to do...
[quote]RE: Account Settlement
Date: Tue, 30 Oct 2007 07:26:52 -0500
From: "UnitedCashLoans Compliance Department"
To: "
This dept is unable to do that. Any reduced balance must be paid in full, especially if we offered to waive all fees, and essentially give you free money with no interest. If not paid by 10/31, then the account will continue in collections for the full amount, and you will need to make arrangements with the collections dept. This offer was more than fair, and if you cannot meet it, then that is your choice. We placed the funds in your account, at your request, for your own use. We are asking for those funds back, and we have given you the funds for more than 2+months, interest free. That will end tomorrow 10/31/07.
United Cash Loans Compliance Department
Fax-1-800-230-9480
compliancedepartment (@) unitedcashloans.com
E-MAIL Disclosure:
The preceding electronic mail messages ("e-mail") and any attachments contain information that may be confidential, legally privileged, and/or contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or redisclose such information for any purpose other than to provide the services for which you are receiving the information. Unauthorized interception of e-mail is a violation of federal criminal law. If you are not the intended recipient of this e-mail, you may not read, disclose, print, copy, or disseminate the information contained herein. In the event that you have received this e-mail in error, please reply to the sender of the e-mail only and delete the original and all copies of this transmission (including any
attachments) without reading or saving in any manner.
fnbkemaildisclosure20030528 ========================================================================
-----Original Message-----
From: Me
Sent: Monday, October 29, 2007 9:13 PM
To: UnitedCashLoans Compliance Department
Subject: Re: Account Settlement
I do want to pay my $300 settlement with your company. However, I request that the $300 be broken down to 4 payments of $75.00. I do appreciate the help you provided in funding me the loan. I just request that we can negotiate a more reasonable settlement that will accompany my needs.
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Do I continue to fight with them through the BBB or what? :x
I'd continue to fight them, through the BBB and try filing compl
I'd continue to fight them, through the BBB and try filing complaints with your state again if nothing has come of that.
Emails are fine . . . . I would reply to the BBB and say that yo
Emails are fine . . . . I would reply to the BBB and say that you have been responding to this company, that they are lying, and that you have tried to settle but they refused to accept.
I just checked the status of the complaint on the BBB website an
I just checked the status of the complaint on the BBB website and this is what I saw. 
What does that mean?? So I can't do anything about it now? Do I have to call UCL/MTE and set up payment arrangements?? WTF!!! :x
File another complaint with the BBB. Keep at them, make sure th
File another complaint with the BBB. Keep at them, make sure they understand that this company is lying to them. Show them proof if you have any.
Quote:File another complaint with the BBB. Keep at them, make su
Quote:
File another complaint with the BBB. Keep at them, make sure they understand that this company is lying to them. Show them proof if you have any |
So do i file a New complaint or just respond to the closed one?
Now what do I do?? They wouldn't accept payments for less than
Now what do I do?? They wouldn't accept payments for less than $300 and I stretched myself too thin and didn't have the money for the 10/15 payment...
they sent me something similar to this months ago, i got a 150 d
they sent me something similar to this months ago, i got a 150 dollar loan from them and they told me that i owed 600 dollars, i told them that i need to know how i owe back that much, that was crazy, i havent heard anything back from them since.
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krist, they are friggin insane! They are illegal. You are trying to pay them money back. You LEGALLY can get away with not even doing that; however, you are bending over backwards to get these people their money back and they are saying "no"???? To me, they do not want their illegal loan back. Do not stretch yourself "too thin", krist. You pay your bills first and take care of yourself first. These illegal morons can wait. I can not believe they are even attempting this crap with you. They should be glad to see someone actually paying them their money back to their unlicensed/illegal company. Unreal. Do not even worry about them, krist. Just pay your bills that you need to pay. Pay your stuff. Buy what you need. Get gas. If you feel like it, send them a money order for a small amount of money. Whatever. To me, they're stating in huge letters that they obviously don't want your money. Just my opinion. But you know how I feel about them, krist. Do not let them get to you. They are friggin insane. Turning down your offer to pay their illegal butts back. Give me a break! Do not neglect your bills, krist. Pay your stuff. Worry about these guys later. Way later.
Thank you so much Cannr!! I am NOT going to do anything further
Thank you so much Cannr!! I am NOT going to do anything further with them. I am going to pay what I have to (regular bills) and they can shove it!! I'm kinda surprised that they won't accept payments arrangements, afterall they did give me free money!! LOL!! suckas!!
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krist, I am so glad to read your post! You go, honey! I mean, I don't make it a practice to tell people to "not pay" anything. But Good God Almighty, krist! You have been begging these people to take your money and they are turning you down! Totally unreal! Besides the fact that they are not even licensed/legal, they won't even accept payments from you. What is their problem? Well, they can sit on it. Let them play their games. They know darn well they can not LEGALLY collect this money. Yes, they will try to harrass the crap out of you; however, you have so much proof to send them showing your attempts at paying them. To me, they can sit in the closet and collect dust. krist, you pay your bills. You let them sit there with their NO MONEY and play email games. Honestly, if it were me (just me), and they emailed me again regarding this, I would just make sure I kept the email. I wouldn't even respond. You can file a new complaint with the BBB if you like or with your state AG. You can give them an "update" on your efforts and how they've rejected them. However, you can also sit back and say "Never mind." They are insane. Turning down money from someone. I have never in my life heard anything so stupid. And from an illegal company. You would think they would be glad to see one red cent. krist, pay your bills, buy your groceries, and rent some damn movies to entertain yourself. Thank these jerks for the money for the entertainment!
It's sad because I am an honest person and I wanted to take care
It's sad because I am an honest person and I wanted to take care of this. Yes, I borrowed money from them and I don't legally have to pay them back.. I was just trying to do the right thing... Oh well.. I still have a folder for them in my email. Now I can focus on getting all my other crap taken care of..
Funny how I've read your words to NOT pay them and i try to..lol Then it dawns on me, "hey, they aren't willing to work with me and they are ILLEGAL so they can kiss my tan tush."
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I just figure if you bend over backwards to pay an illegal company and they refuse to take your payments, well, okay then. I'm sure you have better things to do with your money. Like pay your bills. Tough cookies for them. You tried your hardest, which is more than a lot of people do and they shot you down. Hell, go out to dinner on them! :wink: