Has anyone every used Western Union online?

TMB, can you use a ore paid debit card? That way you are totally safe.

A prepaid debit card is a good way to go, but when I was dealing with getting a payment to CashCall, I found the online way just wasn't going to work. I think I could only get it to work if I were to send it to just one person...

I've always heard it's a bad idea to use Western Union or other wire services to send payment to payday lenders...it's sometimes hard to prove receipt of the money, leaving the lender an opening to say they didn't get it and continue pursuing you. I'm not sure why, but that's what I've always heard - that a money order or cashier's check by mail is the best way to handle the payment.

I think anyway you send it they can say they didn't get it... I wonder why you can't prove it with the wire services, you'd have a confirmation number and everything. Or are the companies in cahoots with the money services, they bot say it ended up in the ether why they both take a share?

Just knowing some background info about how WU works. With the quick collect system, a check actually prints at their (the recepient's) office or they get auto deposited electronically to a designated account. If they cash the WU check or choose to "accept" the autodeposit, they have accepted the funds.

If they say they didnt get it, and did either of the two thing above, then WU can actually take action.

When you send wire transfers oversees there is no way to track it. That's why it's not safe to send to the online PDL's.

To answer the question--I have used WU online to send payments. It's quick and easy. :roll: The only prob. is usually after I do it, I get a call from my bank asking if I really authorized it...Which makes me feel good and annoyed at the same time..lol Good that they're being protective, and annoyed that they authorize the payment before asking me. :roll:

Jessi-If you have the pdl city/state code for the quick collect, how do you know its going overseas? Would they have a different code?

I believe so. It's been a while since I dealt with the PDLs. They've been known to say, "We didn't get the payment."

Also, once it's been sent, you can't stop it if it's been collected from them.

Jessi-So do you think it would be safe to send payments online to pdl companies, if I have all of their information needed for wu?

TMBL--I would not send it to them that way. They cannot get your debit card number, but like I said before, if they turn around and say that they did not get it--There's not a good way to trace it.

Make them give you an address and send them a money order.

my cash now said their address is a Canadian address and cashnet usa said that they cannot accept checks, no processing area. Have you dealt with either company or do you have suggestions?

I've dealt with them both.

Cashnet will take a money order. You just have to be a jerk about it. If they want the money bad enough, they'll take it. Someone around here got an address for them, I'll have to search for it. (Or someone might beat me to it.)

Found these...

my cash now
P.O. Box 229
Margaretville, NY 12455
Their fax number is 866-645-1662

CashnetUsa
P.O. Box 06230
Chicago, IL 60606

Customer Service# (888)-801-9075
Collections#(888)801-9078
Fax# (866)326-5265
cashnetusa.com

Western Union gives a money transfer control number....how can that not be traced?

Volley, that is what I was thinking!

Volley, I also thought that it was the best way to send money, and also the most traceable.

It can, as long as it's not going to an international company. Once it's picked up, it can not be traced.

jessi-I agree.....especially since a WU Quick Collect can only be sent to merchants in the USA-

"Our Quick Collect service allows you to send payments directly to participating billers in the United States using your credit or debit card (Visa???? and MasterCard???? only).
Quick Collect payments can be sent online or at an Agent location. "

If a PDL asks you to send a WU traditional service (non-quick collect), then yes, tracability is diminished.

Also, to send a WU Quick Collect on-line, the company has to be pre-registered a you can only choose from a drop down menu.

Thank you for the help Jessi! I will continue to be persistant that I want to pay with money orders, and you are correct, if they want their money they should accept it anyway they can get it.

I'll find all the old info I had. I have to go to work now, but I'll get it tonight. :)

PLease see my post above...looks like we all posted at the same time :D

Okay is it just me, or does the fact that tracing essentially disappears after it is picked up just really really dumb? WU needs to check over their system, do they dump everything into the trash when it is all said and done? I wouldn't trust anything with that bad of record keeping... I'm Pro Money Order!

I want to point out that the Wu Quick Collect operates much differently than the traditional western union services.

QC is a bill pay service and it traced through the funds cashed by the recipient company. If a pdl ( or any company for that matter) has you send a regular WU, dont do it.

Right bill pay services are much different, but you are still putting your account information online, and even if a PDL can't get it from that, doesn't mean someone else can't steal it from you, so if you are paranoid like I am, avoid anything that involves entering account numbers....

I hear you there! :D ....with this, you cannot use a checking account. Only credit card.


Also, I checked and neither one of the aforementioned PDL's that TMBL listed are not pre-registered for on-line WUQC.

It is very bad that it can't be traced. Insist on a money order.

I'm still looking for my old info on this.

A quick collect can indeed be traced....Jessi are we talking about two different services perhaps?

Quick Collect is a different service.

Jessi-thanks for continuing to check:)

Okay let me sum this up... To see if I got it right...

Western Union (traditional) can't be traced after pick up, if anyone suggests this, send them a money order that can be traced....

Quick Collect (via Western Union) Can be traced, because companies have to be registered with WU... Bad thing is most PDLs aren't going to be registered like that, usually big companies for your regular bills are set up for this. I believe Volley checked both of your PDLs TMBL, and they aren't on the drop down menu.

Poko--That is correct. :)

Plus, do you really want to spend anywhere from $10-$16 to send them their money? I'd rather take that $10-$16 and put gas in my car. They can wait for a money order.