One Step Cash

Jay this is what you posted yesterday. how did 30 jump to 78

yea, they called me on wednesday and told me that they were getting ready to send me to collections i was like for what. i had sent in my letter before the loan was even due, i only owe them 30 bucks, they talking hundreds! but i sent the letter certified this morning with the proof that the letter was recieved, i want to see how this plays out now!

welcome back Kash!

Thanks sweetie. I missed you the last few days.

AMINAH!!!!!!!

kash, i tried to add in the fees.

should i not do that or something?

They are not a legal co. Only pay what you borrowed.

o ok, well i will see what they say

thanks kash!

Doen't matter what they say.

HI VOLLEY!!!

WAAAHOOOO!!!

i missed you guys so much. feels good to be back. and while ive been gone, the PDL's have not bothered me too much. I dont answer any phone calls that are blocked and I finally was able to officially close my checking account today!

I am so glad you're all right! Hope you will join us more often..just at night :wink:

Hi, aminah! Now that I think of it you have been gone a while :)

Good going Aminah. Glad to see you around. I know your circumstances, so please pop in when ever you can.

If this compnay is illegal you only owe what you borrowed and no fee's. Don't give them anymore than the 30 and then you are done with them.

if it was only that simple, i would be done with them all :)

It is that simple.

really kash!

so how do i make them believe that, all i want is the pif letters, if i pay them and they still keep calling then what is the point?

It is hard to go after a company. You think that it is useless but let me tell you..........it can pay off. I just got all my money back that I overpaid and my overdraft fees (9 of them). I got my bank involved and when I told them that the company was unlicensed and illegal, the bank went after them. Have you talked with your bank?

yes, my bank refunded all of the fees that i had accumulated with these companies, so that was a plus!

You are paying back what you legally owe.

no luck with onestep, here is the email i just got....

We are legal in your state, so the only thing that i will do is settle the bal for 300.00. If you dont want to set up arrangements then i will have to charge the acct off..

They are not legal in your state.

tell them to do what they need to do....

Two of my pdl companies are telling me that the loan is legal in their state and that is where i took the loan out from regardless if it is legal in my state or not. Is this true? They sure sound convincing when u talk to them.

It goes by the laws of YOUR state, Not the PDL's state.Most of them are not even licensed in their own state. .
It is absolutely not true. It goes by the laws of your state .

They will tell you that until the cows come home.
Generally, they cannot pick and choose what laws and jurisdiction they want to go by. Example, do they really expect us to go by the laws of Malta and Ireland? Some pdl's do....


Your state laws prevail.....

I told them that I checked with the FTC and the AG in my state and they are not legal, but I screwed up because I miscalculated and it turns out that I actually paid them 360 and not 270, so I dont owe them anything, I sent an email stating that since I was in error all I am asking for is a pif and not a refund, and I sent it 6 times, lets see what happens now!

and I also said that they will never be able to verify an illegal debt, so try your luck!

sounds good....if you get the PIF, consider that a success!!

boy i hope so volley!

Jay-continue to be persistant I would send emails several times aday. my cash now emails would never go through, so i kept logging onto their website and putting my information into their testimonial/comment section and after two days of doing this I received a call from them and of course, I was locked out of the website:) guess they didn't like the testimonial I was sending.

I had Mycashnow tell me that because they were an internet lender they go by federal laws not the state laws-has anyone ever heard that before???

TMBL - You have so much knowledge of all of this......is it just from personal experience or do you have a job that you deal with PDL's, state laws, etc.? It's so great that you are so willing to share all of your knowledge with everyone and so willing to help, it's awesome. I know, personally, I have really appreciated all of your input......along with everyone else's on this website. I'm so glad that I ran across it, I don't think it was an accident.......it was a Godsend : )

tmbl, i have never heard that one

but i will keep sending it until she responds, and i resubmitted my complaints to the AG,BBB and FTC

Tina-the only knowledge I have comes from what I have read on this site and dealing with my own 6 pdl's. and i agree this was not an accident finding the site but a Godsend:) I just want to be able to give back as much as possible since I was able to get help here!

Well yours, as well as others guidance, info and knowledge is deeply appreciated. It is comforting to know that you are not alone.

It is very comforting, once I found this site, and starting taking action, I felt much,much better! It's hard to believe that their are so many people out their that have made the same mistake I did and unfortunately the illegal pdl's prey on that and just keep sucking you in unitl you have nothing! I don't know what I would have done if I hadn't found this place and I never would have thought I would be able to email these companies myself, get PIF letters and even a refund:) It was reading everyones advice etc that kept me going and that first PIF is what really gave me the encouragement to keep fighting!!!

So, you mentioned that you had 6 PDL's, what was your experience with the companies and who were they? Were they all internet companies? I'm just curious how it went for you as far as that first PIF. Did you have to give them more money or had you already paid them enough to get the PIF? Like you, I thought that I would just have to pay for my huge mistakes and continue paying them forever.

I had all internet loans through United cash loans-had already paid them the principle plus allowable interest amount by my state-PIF from them; The Loan shop overpaid them by $500 got PIF and they are sending $250 refund check in mail today; Paycheck today had paid principle plus some got PIF (they were my first);Cashnet USA wich is legal, I have payment arrangements set up with them, just have to agree on on to send payments to them; USA Payday-still working on, haven't paid anyhting on that and they are illegal; and MY cash now-trying to fiqure out payment plan with them I still owe them around $300. So it's a struggle trying to budget what I can pay back to them and I also want to be rid of them, but I need to budget so I don't get myself in any kind of financial mess again. How many loans do you have?

I have 5 internet loans and 2 storefront loans. I posted the amounts and places on my own thread. The 2 storefront loans, I'm in the process of paying them off, both companies have been working well with me.