I am dealing with MTE Financial

So do I send the letters to MTE or seperately to each of the companies?

Send each companny their own letter, evein if they are part of MTE...were you able to retrieve the message from your in box?

I sent you a template for a validation letter. Please use this only in the case that you are turned over to a third party collector.

Are they prohibited in pa? Can they really loan me money? I have all internet loans. Do I work with them to pay the principal balanace off? Someone please help....

A, are you asking if the internet pay day loans are prhohinited in PA? The laon company must be licensed in the state they are operating out of. If they are not licensed in the state they operate out of, they are unlicensed and illegal. But Cash Net is not operating as a pay day loan company. They are operating as a Credit service organization and are licensed. This means that you need to work with them to set up payments to pay them back. As for paying back the companies that are not licensed, I paid back what I borrowed from them becuase I did take the money and used it.

A.. so far from going back through your thread, I have this figured for you....

Geneva - borrowed 400 - paid 480 - overpaid 80
Crown - borrowed - 300 - paid 360 - overpaid 60
MTe - overpaid by 200
ameriloan - overpaid by 325
2 Power Funding - overpaid by 325
One Click - Overpaid by 325
Paycheck Today - borrowed 300 - paid 270 - owe 30
Fast Cash borrowed 350 - paid 210 - owe 140
National Payday borrowed 350 - paid 210 - owe 140

How much did you borrow from Cash Net 500/PAyday Loan Yes?

So far from going through your thread Geneva, Crown, MTE, Ameriloan, 2 Power Funding, One Click Cash, Pay Check Today are listed by members as being unlicensed and illega. Start with these to send your letters to.

I borrowed from Cash Net /Payday Loan Yes 350.00, and have paid 3 refinances of 105.00. Also, I thought Fast Cash/Payday two was part of PaydayLoanYes, do you know? Thanks

A, you only owe Cash Net/Payday Loan Yes 35.00. I do not know about the other. I will do a little research and see what I can come up with. Mybe someone will read this and let us know.

A, I did read on another thread that Cash Net 500 and Payday 2 are sister companies...any one else familiar with this?

Cash Net USA is operating as a payday loan company. The only states they operate as a CSO in are Florida, Texas, and one other one I can't remember right now.

Cash Net USA is lending to PA consumers under their Nevada pdl license.

Goudah, we saw that. A, said one of her Cash Nets was actually Cash Net 500/Pay Day loan Yes. That is the one she was asking about and was it realted to pay day 2.

Right, but it said again:

Quote:

So, do I ask them for a copy of their license to operate in pa before I work out some type of agreement? How do I know for sure that they are illegal to operate in pa? Is there some type of database that I can look into? I just want to make sure that they are illegal to lend to me in pa before I continue, I do not want them sueing me, or worse. I am really worried about dealing with them. I will work with CashNet USA. Thanks

I know that Cash Net 500 is illegal. They are not licensed in any state.

PA doesn't license these types of companies. So you could call and ask them for their license for any state if you wish to confirm. Most of the time they will just hang up on you or tell you some BS story. But MTE isn't licensed, or any of it's dba's, and Geneva Roth isn't licensed.

a, let me jump in real quick. Your in PA. Pdls are prohibited. You're not going to "find these companies" in PA to see if they are indeed licensed. Of course they're not going to be licensed in PA. They are prohibited. However, PA will allow a pdl if they are licensed SOMEWHERE. You only have one pld that actually is licensed SOMEWHERE which is Cash Net USA as goudah pointed out several times. The other plds are not licensed/legal. They are illegal. They are "double illegal" (if you like that term!) in your state because your state prohibits pdls. Stop stressing on whether they are licensed/legal. The only one that is is Cash Net USA. They are following the law of the state in which they are licensed. You're stuck with them. The others are not licensed/legal. If you need the addresses for these companies, I would be happy to post them for you. Don't freak out. Now... let me just also jump in about your bank account. Did I not read that the debits are due out Friday? This Friday? And you're going to close your account tomorrow? Wednesday? You need to be awfully darn sure that your bank account will not be forced back open due to pending pdl debits. That's cutting it really, really close. Also, frog apparently has sent you a debt validation letter. You do not need this yet. You only need the letter to send to the pdls. You have so many people helping you that you're getting too much information! Which could be a good thing! :wink: But, first, you need to make sure that your bank account is closed/blocked/frozen/hard hold, whatever they want to call it. You want nothing to go through. Nothing. No debits, no checks, not ATM card, nothing. Hard block. This way the pdls will not get their debits. THEN you can send the pdls the letter revoking everything. Do not send the letters out until after you are 100% sure your bank account is blocked/closed. And, if you're cutting it this close - pdl debits on Friday - you need to be sure it won't re-open or you need to put a hard debit block on it with the assurance that nothing will go through. I know this is all very confusing, but one step at a time here. Okay?? It's not a problem at all if you do it one step at a time. Would you like for me to provide you with the needed addresses? Just remember, send the pdls nothing until your bank account is 100% taken care of.

Yes, Thank you soooo much for the last post. I would like the addresses. And I want to thank you for breaking down step by step as to what I should do. I will make sure my account is closed first, then with the addresses you send to me I will send the letter to them individually. I really appreciate it. A

I can't add anything to that! Except for maybe thatshe is 100 percent correct!

You're welcome, A! And thank you, frog! :D Let me get those addresses for you. Hang on!

MTE Financial Services
Phone: (866) 213-0268
Address: 515 G S.E.
Miami, OK 74355
compliancedepartment(at)mtefs.com

ameriloan
Phone: (800) 362-9090
Address: 3531 P St. NW
Miami, OK 74355

This is a d/b/a of MTE Financial.

One Click Cash
Phone: (800) 349-9418
Address: 2533 N Carson St Ste. 5024
Carson City, NV 89706

This may or may not be a "good" address. Try it. I can't remember if mine came back "moved".

This is also a d/b/a of MTE Financial. So, if this isn't a good address, use the MTE address.

Paycheck Today
Phone: (866) 756-0600
Address: 515 G SE
Miami, OK 74355

This one is yet another d/b/a of MTE Financial.

I've got more than one address for Geneva Roth.

Geneva Roth Ventures II
PO Box 2643
Kansas City, MO 64196-
Telephone: (800) 351-8820

Geneva Roth Ventures
P.O. Box 148
Mission, KS 66201
Telephone: (800) 351-8820
Fax: (800) 351-8830
loanpointusa.com

I believe it's the SECOND one that you want to use.

Crown Lending
909 NE Loop 410 #311
San Antonio, TX 78209
Telephone: (210) 828-3384

Power Funding
Phone: (903) 533-4085
Address: PO Box 5028
Tyler, TX 75712

Not sure if this is correct.

AFTER your bank account is straightened out and you are sure the pdls can not hit it and get any more money, then send the pdls the letters. Send each one a letter separately. When filing complaints, file a complaint on each one separately. I know this is very overwhelming. If you have any questions, just post! :wink:

I was just contacted at work by a Ms. Moore from PaydayLoanYes saying she was in the litigation department and that I owe 575.00. She wants a payment of 270.00 by Western Union this Friday, and then she will work with my on the rest for payment arrangements. She said I should have read my agreement and she can get me on fraud. What do I do? Is this another one of their tactics?

That last post about Ms. Moore contacting me at work was from me. a

Help.........................

Yes, she is trying to scare you. Again try not to take any calls from any pdl's. Even if you answer, if they ask for you tell them you are not there. I have pay day loan yes. They are a pain in the butt. They will call and e-mail. We have already determined they are unlicensed and illegal so there are no worrys with them. DO not let them scare you. Just work on your letters and get them mailed out. You can also e-mail and fax them in addition to mailing them. I initially e-mailed and faxed mine so they got them right away and followed up with USPS mail that day.

They enjoy scaring everyone so much, we need to think of a way to scare them half to death.

No kidding there!! I don't see how these people sleep at night knowing how they freak people out.

A, and be sure to get that bank account taken care of before you send the letters. If they get the letters before you close your account, they will try to debit to get their money before you close the account and many times will debit for the whole ammount.

Guys...they just do not care. They have been brainwashed to believe they are not wrong to do what they do. Unfortunately there are mean and ugly people in this world.

YOu might even see them debit for the whole amount or 2 separate amounts equalling the whole amount. I had one that seperated into 4 seperate debits when one did not go through.

Yes, they are very very sneaky....so please be sure to take care of your account.

A, do NOT money gram them any money. Their "litigation department" is them. Their "fraud department" is them. It's THEM. Do not be frightened of her threats. Illegal company. They can not send you to the "litigation department" or the "fraud department". They are illegal. Please, do not take their calls. If they call and you realize it is a pdl, hang up. Only communicate with them via email email or USPS. You need documentation of everything. This includes their "threats". Telephone calls have no documentation.

What if I lie to them and tell them I don't work anymore? What will they do? Will they call my boss to see if I am still employed?

Is there a way to have someone else tell them that you no longer work there? That's what I did. "She no longer works here." Is there someone that can do that for you?

We had one member who told her pdl that she was dead.

Will they stop calling if someone from my work tells them that I don't work there anymore?

A, that's what I did. If it was a pdl, they were told "She no longer works here." End of them calling work. They did hit my cell phone pretty hard though. But that's okay. If you can get someone there to tell the pdls you are no longer employed there, they won't call there. They'll just hit your home/cell phone.

What if I have somone tell them I no longer work there, and change my cell phone # that I gave them. Will they try to contact me any other way? Can they put anything on my credit report. Can they look me up any other way to find me?

A, if you can get them to stop calling your work, great! If you change your cell phone number, wonderful! They can't call you at all. They will have to email you or USPS you. No phone calls. Can they find you any other way? Well, they know where you live, but I don't plan on seeing an illegal pdl pulling up in your driveway any time soon. As far as will it go on your credit report, I want to say "no"; however, I had one hit mine. It was removed already. Got it taken care of. Never let your guard down.

Can any of my pdl hit me with a wage assignment? I keep seeing this mentioned on the forum?

A, none of the ones you listed are notorious for wage assignment. However, I covered my a$$. I revoked any wage assignment that I may have signed in my letter revoking debit authorization. I figure better safe than sorry. Revoke everything under the sun!

I just read this --

We had one member who told her pdl that she was dead.

Oh my god!! And what happened with that?! Did it work?

I'm sorry, but I'm cracking up here! Because, mlposting, no it did not work! They called again anyway and asked how to get ahold of this "dead" person! Now how sad is that? Just goes to show you what we're up against here.

Wow, thanks, I was "dying" to find out what happened!!

I've been dealing with MTE (united cash loans) via the BBB and they are lying pains in the tush!!! I am going to forget about them and maybe they will fall off the face of the earth.

I can't believe they have so many DBA's..