International Cash Services

Well, it's nice that you didn't have any financial transaction with them. It would have cost you more.

Do you happen to remember the phone number of ICS? I have unfortunately been accepted by them and am finally ready to pay off my loan, but they no longer send me the emails asking me for confirmation of paying the minimum. I need to contact them immediately. Any help available would be much appreciated.

Yes the number for international Cash Services is:
1-800-865-3703 and the fax number there is 1-800-865-3704 and I don't have an address for them but if you call them I am sure they will be more than happy to give you the address!And if you have any more questions about this company don't hesitate to ask.Keep me posted on what happens Loy Okay
Thank you

Thanks for the number. I called them and told them that I'd be paying the minimum and they set that up. I was afraid that I'd never find their number again and they'd keep taking $89 from my account for the rest of my life! Thanks so much for your help.

Hi Loy,

It is nice that you had a good experience with your creditor and that; they have accepted your payment plan. In general, creditors are willing to co-operate with the consumers if you are willing to work with them.

Keep visiting the forums and do share your experiences with the community.

Regards
Roxette

Loy I am glad that you got everything straightned out with them!That's what we are here for is to help and I am glad that I could help you with that information,I am kinda glad I didn't throw that number out cause I really wasn't putting it to use much but now that I know I had it for a reason.And keep in topuch and keep coming back to the forums we love to have you!Any way that this site can help in concerns or questions that is what we are here for so like I said don't hesitate to ask any of us we enjoy your input!
chmartinbaby06 :D

They did that to me too. The bad part is they keep calling at work and my supervisor always answers the call. They left a number and when you call them no one is there.

Guest,

It's ridiculous! I don't think that they will ever stop calling you, even if you request them.

Ask the telephone operator of your office not to forward any calls of this particular company. That way you can avoid them.

They are always calling on my cell phone but I think that they got the picture now!Because now I don't answer any numbers that I do not know!That should keep them off my back and if it is important they will leave me a message and if it is that important they know how to mail things to me!

I keep trying to call 800-865-3898 and they identify themselves as "International Cash Services", I've left messages at about 6 different extensions but I cannot get to a live person. I wanted to cancel my $200 payroll loan once I realized the fee would be $124 when you count the one time membership fee. I have dealt with other companies that are much cheaper. Payday OK for example is $10 for every $100 borrowed. How do I get to a live person or get a return phone call? I have not received the funds yet.

I found an earlier post on this thread that had a different phone number then the one I had been calling over and over again. I did reach a live person and I did get my loan cancelled before it was issued. A Payroll Loan is such a bad way to do business because it is so expensive but with my bad credit, I do not have a lot of other options.

It's tough to get a loan with bad credit and that is because these payroll loan companies are doing business. They apparently seem to be a good solution. But there are quite a few examples in this forum that show how people suffer from these loans afterwards.

If you have a bad credit, try to improve it methodically. Prepare your own budget to solve your problems. Once you achieve a good credit score, you can see lots of funds available.

I have called their number many times and always get a live person but they adamantly will not give me their address when i ask. Please does anyone out there have it. Thanks

Hi

Here is the address to contact International Cash Service.

International Cash Services
2207 Concord Pike, Ste 417
Wilmington, DE 19803
1-800-865-3703

Send all your letters certified with return receipt. You will be able to know that they have surely received your letters.

Thanks for the information on the address. You have really saved my day.

Your welcome I am always glad to help if I know the information I will give it so hope you have a nice day!

I had a bad experience with these people. I could never get a hold of them at their 800-865-3703 number then left on disability leave from work for 6 weeks only to return to a bunch of messages and one from my supervisor stating ICS wanted to garnish my wages. My supervisor says no way and hung up. I have switched banks because they keep slamming my old checking account causing me fees after fees. How do you get these people to stop? Maybe I should contact the Federal Trade Commission.

SE Ohio

Welcome to the forums. Not being able to pay back a payday loan leaves alot of us in trouble. Because not only will they keep hitting our account when there is no money in there, not only do we incur fees with them---but with the bank as well. Changing account numbers (or changing financial insitutions) will stop all the ACH's.

Sometimes people think they can do a stop payment, which will only stop ONE ACH. What you did was probably the best thing available. But please remember that the interest rate may still be climbing. So the sooner you get the payday loan paid off the better. Perhaps you could work something out with their "payment services" department and set up payment arrangements through a mailed in money order?!?!

Let us know the outcome...

Regards-
Mike

Hello again. Well, I just got off the phone with ICS representative Eric who is in the UK. I requested documentation of a hard copy of my charges but he refuses to email me or fax me anything. Eric states that they are going to garnish my wages with a court order. I stated that I need a hard copy of the fees owed with a breakdown. Eric refuses stating it was a verbal agreement over the phone recorded with no written contract so he doesn't need to fax/email me anything. And the battle goes on. Finally, I contacted an senior financial analyst (a law firm with attornies-Lawgistix) while I had Eric on the phone. Lawgistix is checking in on this and will contact in a few mintues so cross your fingers and toes.

Legal Council says that due to the fdcpa and Fair Credit Reporting Act that when requested a company has to give you a copy of the agreement and statement and if they do not provide this then they are in violation and to report them to the following: OTS (Office of Thrift Supervision), FTC (Federal Trade Commission), OCC (Office of Controller Currency), and the Attorney General's office. I just tried to contact ICS and they hung up on me. I'll try again.

Does anyone know how to stop them from taking the $$ out of my account electronically? I borrowed $200.00 Back in may, and since then They have taken a total of $1,031.00 from my payroll. I contacted them back in august to pay the loan off and no one ever called me back, I also havent gotten a call from them since July.

Hi mandy

Welcome to the forums.

$1,031.00 for a $200.00 is quite a large amount. Have you asked for a statement from them showing the proper distribution of the amount?

You should change your account number to stop the withdrawals from it.

I suggest you to send a letter to the company and claim for a refund. If required, you can also take some legal assistance.

Regards
Roxette

I closed my account, and the bank helped me get a refund of 60 days worth of the debits.. since then ICs has been calling my cell phone 3 - 5 times a day. I answered it once and explained to them that if they do not stop calling me then I will seek legal counsel and take them to court, I also explained that I had gotten the refund, and although its only 389.00, I would be satisfied if they would just end the hassle. the representative said he would discuss this with his supervisor. I have not heard from them since. If they do call me again, I am not afriad to seek counsel, for I am confident that if taken to court, I could get most of the debits back. Thank you for your advice.. but for their sake, I hope I dont have to use it.

Mandy

Just to make your legal side stronger, you can think of recording the phone calls if they call you next time. Tell them that the call is being recorded and you wish to present it to your lawyer. This strong act will keep them in the best of their behavior.

Please do post if you face any problems while dealing with them in the future.

Regards
Roxette

My girlfriend is having problems with ICS. She borrowed 200 dollars in June and has paid 89 dollars each payday since that time for a total of over 1000 dollars. The kicker is that ICS still claims she owes over 300 dollars????

Is this legal?

How can ICS be stopped?

We have also been told that they will not send the origonal agreement or any documentation of the way 5 months worth of 89 dollar fees have been distributed.

This process is totally alien to me. Should a portion of each 89 dollar fee have been applied to the origonal 200 dollar loan?

I just can't believe this is legal.

Hi Esbioeng

Welcome to the forums.

As it is about a financial transaction with International Cash Service, I will suggest you to close the checking account first. There are many illegal activities this company is committing and people have therefore filed many complaints at the FTC, BBB as well as the attorney general office.

The practices that this company is performing is not at all legal and it becomes confirmed when they say that there are no paper documents of the loan agreement. Since you have paid more than the loan amount, you are on the safer side and you will be able to defend yourself with all the proof you have against this company.

Regards
Roxette

Roxette, I am working with cash today limited. I belive this was tracking to the UK. That explains the UK numbers calling my phone. I am including this in my debt management. Now, since this is such a big problem company from what I have read on this site, From a mail station in Nevada to calling directly from the UK, how do you suggest I handle them. I have stopped all ach's from everybody at this point. Should I include them in my debt management program or try to handle on my own

Linda,

As you have stopped all the ACH, now cash today might place the call to you sometime later after not receiving the money. That will be the time when you will request for the latest copy of your financial statement and confirm how much has been paid towards your debt account.

I really should have requested that today when I had them on the phone. I will call them back and ask for one. Do you really think I am going to receive this from them? Just curious after reading so much on this subject. I know it's my right to ask. Do I have to pay if they don't send one? If my loan was $200 then why did they quote me the magic number of oweing them $358. I just want rid of this company and don't ever want them to pop up again in my life

Linda, as I have said to you in the other post, Cash Today should send the payment details in writing to you. Do not pay until you have received anything from them. Talk to your bank also and request them to keep an eye if the company tries to make an unauthorized debit.

Linda,

Cash today WILL NOT send you a statement (they are a "paperless company"). They will not tell you anything about your account. I have spoken to an attorney regarding this subject and the prognosis is bleak. They do not have to obey our laws as has been debated on this forum. I don't presume to be a qualified advisor on this subject but I will tell you how I have been advised to handle ICS (Cash Today). I have closed the bank account that they were deducting "their" money. Additionally, I disputed every withdrawl they ever made from my account with my bank. ICS failed to provide anything to my bank proving that I owed them money and I was refunded SOME of my money. Unfortunately, due to the f#$*ed up laws in this country (which ICS can avoid but you and I are stuck with), ICS only had to refund two months worth of payments. In truth, I don't think ICS refunded a penny, I think my bank ate the two months worth of payments. That may be a good thing, I can't afford to fight ICS, my bank certainly can.

It was difficult to close my account; my direct deposit had to be changed as well as all my automatic debits. I had to freeze the account to all withdrawls until my paychecks started going to my new account... It was a bit of a headache but it was worth it. ICS prays on people like you and me. I have the satisfaction of knowing that they will never see a penny more from me. I believe that they make enough money with their scam that they would never persue little ol' me into court. They would have a very difficult time convincing a judge that the $1100 dollars I paid them over the last 5 months was not enough to cover a $200 loan.

Good luck! (You may need it)

EPS

I think I am just going to pay them with a debit card I just ordered for this purpose. They wanted me to buy a gift card (visa) but you can't get receipts with that. So, I went on line and got a visa that you can load and there are no fees to open or close it. I can pull an on line statement and show proof that I paid them. Live and learn

Linda

This company really ticks me off. I will keep requesting a summary of my account. But what would you do here, they keep calling my work. I read one gal told a payday loan company that she did not work there anymore. She answered the phone I suppose acting like someone else. Thoughts on this?

Also a question for Esbioeng. Can you tell me step by step how you got this company to leave you alone? They are blocked from any further activity on my account, this is why they are calling. That is so far the only step I took and one phone call a few days ago, I asked for a summary and they said they don't send things like that out. What did you do?

I just went back on some old bank statements on the internet. I paid Cash Today Limited $395.00 if not a little more. I can't remember if I took out my loan in August or September. My on line statements only go back to September. So, I think I paid them enough too! I took out $200.00. Ok, so can they really garnish my wages? Does anyone have proof of that happening or is it a threat?

[quote=linnielou]so can they really garnish my wages?[/quote]
It depends upon the agreement papers that you signed while taking the loan. However, wage garnishment and wage assignment require lots of legal proceedings. Go through the links below to have a better insight-

http://forums.debtcc.com/forums/wageassign-legal.html
http://forums.debtcc.com/forums/garnishment-info.html

This was cash today limited in the UK. They record you accepting all of this stuff, that is if you can understand them with those heavy accents :) Nothing was in writing. They confirm everything on the phone and say they record it.

linnielou,

Generally wage assignment should be signed separately from the loan agreement paper and the term ???Wage Assignment' should be mentioned there as heading. Did your lender maintain this decorum?

Please go through the links that I have mentioned in my above post. It will help you understand whether the wage assignment done by your lender is legal or not. I specially suggest you to go through the posts made by Roxette and Mike.

Linnielou,

Please understand that I am by no means an expert on this subject. I wouldn't be in a position to converse about this subject at all if I were good at managing my money.

That said, I will tell you how I proceeded.

First, I contacted ICS and requested a statement. They refused ("paperless") during this call, I told them that I would not allow them to take anymore money from my account; that the 1000 dollars they took for a 200 loan more than covered my obligation to them. They said they would garnish my wages, I told them to do their best.

Next I closed my account and challenged every withdrawal they ever made - even the very first one. They called a few times at work; I gave them my attorney's details and informed them that all communications would have to go through my attorney. I also told payroll at work that ICS was trying to scam me; they reassured me that legal proceedings would be required before they would allow my wages to be garnished. Others on this forum have said that ICS contacted their employer to threaten garnishment. This hasn't happened in my case and even if it does, my employer will only deal with the courts on garnishment issues.

As I mentioned in my previous posting, I received a refund of 356 dollars from the disputes I filed with my bank. That is 60 days worth - the most you can receive by law (thanks Uncle Sam).

There has been nothing else from ICS since. They have not contacted my attorney, my employer or me.

I believe that this company preys on the weak. Empower yourself and they will go after easier prey.

I personally don't think you should pay these people any more money. You have satisfied your debt to them. If you were going to use the credit card to pay them, do yourself a favor and use that money instead to consult a lawyer. Dispute every payment you made to them. Tell your bank that you did not approve ICS to withdraw money from your account. This puts the burden of proof on ICS. They will move on to another victim and you will get 60 days worth of payments back.

Also, tell your employer that you are being scammed. It doesn't reflect poorly on you that someone is trying to rip you off. I didn't go into details about it all stemming from a payday loan. I just told them that ICS obtained my account number and was trying to rip me off. They are on my side as I'm sure your payroll department will be on yours.

Hopefully, ICS is done with me... If not, I'll post again here and let you (and anyone else who's interested) know the latest.

Keep us posted as well. Good luck.

esbioeng,

That's a cool advice. This is the way we should deal these companies. You have said it rightly that they prey on the weak. Most people get panicky when the call and lose the nerve to fight them.

The way you dealt them is really good. I am sure it will help the community. Thanks a lot.

I just received the wire from ICS... If I pay them off completely on the original due date, has anyone had problems with them debiting your bank account incorrectly or proceed with further drafts despite it having been paid off. I will certainly pay them off as I will have my tax refund. They mentioned garnishment to me, but little do they know that in my state, the law prevents garnishments other than for monies owed to student loans, taxes, or public hospitals....So if they threaten garnishment with you, check out your state law as it may be identical to my state.

It seems that you are an educated customer JJSS, they will find it tough to deal with you, I guess. You are right wage garnishment is not possible without a court order, however debts to federal government are exceptions. Some lenders include voluntary wage assignment in the agreement paper and get it signed by the borrower.

Wage assignment is also not valid if it is not signed by human being, digital signature will not serve the purpose. Moreover, you have the right to revoke wage assignment any time.

I recently attempted to file a claim with the BBB of UK, against ICS. They couldn't file the claim because this company is located in USA, so I was advise to file with http://www.ftc.gov (the Federal trade Commission) in Washington D.C. which has the power to investigate the business conduct for this company. The person also included the link to this website. Wow! The individuals on this portal has really enlighten me!! If I only knew what I was getting myself into sooner. I have never had chronic issues before, until ICS. I borrowed only $200 - I called to make payment arrangement for two installments. The person told me it was fine. Because for one I was going in the hospital for major surgery, and I wanted this to be done and over with. Needless to say, I didn't know about how faulty and misleading ICS was. ICS didn't comply to my arrangement. Instead they charged me on 7/01/05-$124; 07/15/05 $89, then $89 twice a month from July to Jan 06. I couldn't get in touch with a live person. I left messages several times trying to figure out what was going wrong!! They have collected in 6 months est. of 1200.00 I called my bank to get a block but they couldn't block it until I send an affidavit. So that was done. However, the bank can only collect for 60 days. The rest of the amount is on me to collect back from them. Finally I was able to speak to someone yesterday. The CS Rep's are in London and no there is willing to help. They said they could only call it quits! I asked for a manager they wouldn't appease me with that either! I told her this NOT acceptable & this is not rocket science (do the math) This company is deceitful, they want your money anyway they can get it! Anyone out there that is reading this...DON'T DO BUSINESS WITH the US/London LOAN SHARKS of ICS!

I love how they will call your home or cell and leave a message you can barely understand about some garnishment when they can't even send you anything in the mail or even email. I've tried calling them back many times after the message about garnishment but can't get a person. HELP!!!!!

Crikett,

Consider writing to them. You can collect their mailing address from the first page of this thread. Send your letter through certified mail with return receipt requested. Keep us posted.

JT,

Search the forums for ICS and you might find more valuable information regarding your situation. I believe they have an address in the states and are now under investigation here. You may be able to file a complaint against them that way.

Has anyone determined where ICS is really based? Are they a US company or a UK company? Any answers will be appreciated!! thanks

Hi jp, Please visit the first page of this thread. Their address is listed there.

They are a UK company and likely associated with Cash Today. The Deleware address is nothing more than a mail drop. Check out the cash today threads for more info

I have been recieving phone calls from this place telling my application has been approved. What application? Who are these people and what are they calling me for? Can anyone help me?