Help Payday loan threats US National Bank

You can not go to jail for not payong an internet pay day loan. This is a very illegal scare tactic they use to get money from you.
If you can list the lenders, the amounts borrowed, the amounts you have already paid back, we can help you here.
Please calm down. No one will arrest you for this.

These are the ones I can remember

Sonic Cash amt borrowed 300
FSM ?
United Cash loans 300
Prefered Cash 300
Cash Advanced 300

There might be some more but I can't think of any
I know I paid Robert Matthews from CRC $1700, but he never sent me any paper work. Karen Richardson, US National bank I have paid $1700, with 500 still due but she refused to tell me the names of the original loans. Patrick davis who also is from US National bank said he is collecting for Sonic Fast Cash and FSM, I've paid 300 to him and owe 921 more. When I asked Karen richardson the names of the loans she told me that her clients didn't feel it was necessary to inform me of the names of the loans because I had the original paperwork, she then stated that they have my social security number linking me to some sort of database and at the time they were going to file charges. I thought you couldn't buy your way out of jail

Who is crc/How much have you already paid back.Off the bat, United Cash loans is part of MTE and will not be licensed to lend anywhere.I will for your reference post the texas state laws.

You will find the Payday loan laws for Texas here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

I don't know who CRC is I found out that he also works for US National bank. Unfortunately I don't remember how much I've paid back because I had to close my old bank account. It says on my old bank statement but I don't have it. The only thing that I have is some paperwork stating that the pay off amt for United Cash loans, Cash Advance, and preferred is 195 dollars for each, its possible that I have paid them off through US National bank but they haven't sent me anything yet and that incudes the two that I am paying now

us national bank does not exist.it is made up by a collection agency for one or more of your loans.
it is a common scare tactic by these people.if there is a us national bank,they wouldn't act as illegaly as that.

So it is a collection agency that is violating the fdcpa by making threats? They are not on my credit report. Isn't what they are doing illegal

yes,check your state laws as it applies to recording calls.you might have to inform,and/or get permission to do so.you should have that option.

Ok, I just get really scared when someone calls my phone and threatens me with fraud charges and tell me that they are putting a warrant out for my arrest. I understand that I owe the debt, but I have been scared into paying exhuberant amounts of money and no details, just that if I don't pay I go to jail. So when my phone rings I freak out and pay them whatever they want and they never send me anything I am living everday in fear and I don't know what to do if they call and tell me to pay and I don't have the money, I just got out of the military and my husband is the one working and paying them.

ok,you will not, repeat will not be arrested.
try this the next time they call.tell them to stick it.sorry to be graphic,but just try it.one of two things will happen.

a)they will call back 1-2 hours like the call never happened.

b)they will call back the next day like the call never happened.

i guarantee, they will not arrest you,it is a scare tactic.trust me on this,steel yourself and be strong with them.

Ok thanks, Also I wanted to know, even though I am paying those people a bunch of money and I already filed a complaint with FTC, should I go ahead and file with the Attorney General. I don't have a mailing address All I have is the people who called me, they company they say that they work for, and some phone numbers.

yes,you should.i saw crc on one of your earlier posts here.try them first.someone should be able to get that info if not already.just take heart,they can't do any of what they threaten.if you can just get a company name out of them.all right we need how much total you have paid on each loan,not just rollovers.that includes the money paid to these cs'a.

Here is what I have

Robert Matthews CRC "US National Bank" 641-237-6598
paid 1700

Patrick Davis Sonic Fast Cash and FSM also "US
National Bank" 678-935-3581 paid 300 supposedly owe 921

Karen Richardson "US National bank" 888-930-9898
paid 1700 supposedly owe 505

I read allot of good information on this subject at masteringmydebt.com. They also have a free debt elimination program that others charge for.

Hope this helps,

Cori

United Cash Loans, Cash Advance, and Prefered Cash Loans, I don't remember what I paid because my old account got closed down 3 years ago. I have statement from all three stating (back in 2004) that the pay off balance is 195

how much to each pdl,as stated there is no us national bank.please give.

each pdl by name.
how much borrowed
how much paid total to each.

me or somebody else should be able to assist once we get that info.ok i see that you posted
that info good.

Sonic Fast Cash and FSM 300 paid owe 921
United Cash Loans 300 paid ?
Prefered Cash 300 paid ?
Cash Advance 300 paid ?
And apparently 1700 to "US national Bank" in july and 1700 to US National Bank in Feb 08 I still owe 505
US National bank stated they were collecting for 3 loans one in July 07 and 2 in Feb 08 and they would not tell me the original names of the loans. There might be a few more but I can't remember

keep that info,next time they call get addresses.
if not someone should be able to provide them.
you have paid enough my friend,don't pay anymore.
see if you can pm cannr or kaz.they should be able to assist from here.just don't stress,it breaks my heart to see anyone taken advantage of like this.

Thank you for your help I really do feel alot better,
I will try again to get the addresses, they refused to give me anymore information the last time I call which was the 28th of feb.

Here is the addresses that I have

United Cash loans
2533 Carson St, Suite 5020
Carson City NV 89706

Preferred Cash Loans
2533 Carson st Suite 5024
Carson City NV 89706

Cash Advance
2533 Carson st, suite 4976
Carson City NV 9706

US National Bank which states I have 3 more overdue loans and I've made more payments, I am not able to get anything out of them at all. I got the above 3 from the loan notice that I got in the mail quite a while ago.

Use this address for United Cash Loans. It's the most current one:

United Cash Loans
Phone: (800) 230-9480
Address: 3531 P Street NW
Miami, OK 74355

This includes a phone number for Preferred Cash Loans:

Preferred Cash
Phone: (800) 230-3266
Address: 2533 N. Carson St Ste. 5024
Carson City, NV 89706

Cash Advance Corp
Address: 2533 N. Carson St Ste. 4976
Carson City, NV 89702

Why am I thinking these are all MTE related? The addresses are glaring at me. If they are indeed MTE related pdls, they will be unlicensed/illegal to lend in any state in the US.

As paul stated, US National Bank is BOGUS. Please believe him when he tells you that. They are known for calling to collect on old plds, etc. They will threaten to take you to jail, come to your place of employment, charge you with fraud, etc. All kinds of nice illegal stuff. They do not have a leg to stand on. All they can do is try to scare the money out of you. Do NOT let them. They aren't even a legit business. Just a bunch of blow hards using illegal tactics to get money out of people.

please help!
Back in 2005 i took a payday loan. i think i made one or two interest payments and then my bank closed my account because of too many over drafts caused by the interest on the payday loan. I received a phone call at work yesterday and the guy said he was a restitution officer representing us national bank and that i needed to pay $1648.60 with in less than 24 hours and they needed my attorney's name. I have no attorney. AThey said that if i didn't pay them, then he would download the case and get me for internet fraud, bank fraud and check fraud, and come to my place of employment and arrest me. Now, I live in Illinois and I work at Scott Air Force Base as a civilian employee. He give me until Friday to come up with $1000.00. There is no way in the world that i can come up with it. I know that i owe the money and have no problem with paying it back, but do I need to worry about his threats? Please help me.
Thanks

Donna, please do not fall for this. It is a scare tatic that is used all the time. They can not and will not come and arrest you. Tell them to come get you then. THis company is the worst and they use that threat regularly. You can type US National Bank in the search box at the top right corner of the page and see what other members have been through with them. We can help you with this. I would file a compalint with the state of IL...Here is the link

http://www.idfpr.com/dfi/admin/general_complaint.asp

I would also send them a letter requesting they validate this debt...that will really confuse them and they will probably not respond. Here is a link for a sample letter to use...

http://www.debtconsolidationcare.com/forums/about216.html

IF they call you again..ask them if they could come right then and there you could use a couple of days in jail as a break from your hetic life.

I'm trying to get away from United Cash Loans myself, and they are one of the dirtiest pains-in-the-rear I've ever had to deal with. They call every single day, same old thing every day.... I see that PDL's are legal in Texas (they're prohibited here in MD); I'd also suggest contacting your Texas Office of Consumer Credit and see if they could offer any suggestions, I'm sure they've dealt with these companies before.

I was just going to let you know that Mr. Robert Matthews called me from Sonic Fast Cash. I advised him not to call me anymore that I had paid that 3 years ago. I had it taken directly from my payroll. He refused to listen, so I tried to give him my attorney's name, he wouldn't take it. I also told him that I had reported him to the autorities and if he called me again, then he would be picked up!

acbc4, when you say that you had it taken directly out of your payroll, do you mean that they sent your employer a wage assignment and your employer honored it?

Yes, my payroll department honored it. I had it taken from 2 paydays. No questions asked.

DX I am so srry you have been caught up in this scam. I just received the call tonight and automatically I got on the pnoe with the pprecent, police, my bank and the internet. There are a great deal of resources out there available to us all and it is very importnatn not to make your fears casue you to crumble. US nationl bank is bull. It does nto exsist. The phone numbers you have been called from have you called them back? Have you tried to do a look-up on the phone numbers? You have to take back your power and steadfast towards gettign this off you shoulders becuase I see it has not been pleasant for you. TAKE ACTION. Do not feel bad about it I too was scared becasue of the threats but I know I have paid back the loans and the caller was not professional. What is the status of your situation these days. BTW.....I live in NY we have a help line here that offered me assistance also calling back the number was the forst relief for me becuase it was not active.

I am going thru that right now. I got a call from a man that stated he was with US National Bank from there white collar crime unit, and if I dont pay $1800.00 that they were going to contact the correct authorities to have me apprehended at my place of employment or home. I borrowed $520.00 and this was back in Oct 2005. Any suggestions??? I obviously dont have that kind of money. I am a single mom, started borrowing from payday loans, my bank acct got so negative that it was closed.

raider, do not worry about this yahoo. No one is going to "come and get you". No one will show up at your place of employment or your home. This US National Bank is a scam idiot who we swear dials numbers while sitting on his couch in his bathrobe eating potato chips. :lol: Rest assured, it's all an empty threat.

I am in the state of alabama I just recently paid off ameriloan and one click cash I had another cash advance with Instant Loans Now come to find out they are the same as one click cash what do I do now.

I have took out a $300 payday loan with Global payday and I have paid $680 in rollover fees I know I overpaid them and I took out a payday loan with B I G for $200 and have paid $305 what to do now I already sent them letter telling to stop debiting my account and i have filed a complaint with the BBB as well as my state's AG should i still close my account

Yes, you need to close it asap. As soon as they hear that you are telling them to stop taking your money , they will go in and take everything. Close asap.

ok thanks will do.

donna, I have been getting the same calls that they will come to my place of employment or home and arrest me. it really stresses you out, I feel you!!

Cannr, so even if this guy is stating he is with the white collar crime unit w/ us national bank, dont do anything??

i'll step in and say,exactly he is illegaly
representing himself.he is a collector and
that is a no-no.so yes,don't believe him.

Thanks Paulmergel. I appreciate everyones responses. i was so stressed and worried.

This is a well known collection scam. It amazes are that this bonehead has not been arrested yet. Tell him where to go. There is no such place as US National Bank.

its just a lil scary cuz i have borrowed from payday loans and unfortunately was unable to pay due to my acct going neg. and the bank closing my acct. I didnt intentionally not pay them back just went thru a financial hardship and am still there, so i didnt know if he was calling from one of those places. Especially when he told me he was from the white collar crime unit

raider, I know they scare the crap out of people. Who wouldn't get rattled hearing someone tell them that? Good Lord! But, as you can see, many people have dealt with this illegal idiot who's making phone calls with illegal threats. There is no such place. He is some bozo with a "call list" that he dials all day long telling people this crap. Do not let him ruffle you at all. Blow him off. Laugh at him. It's an empty, empty, illegal, illegal threat. That's it. Okay? So, do not be worried about this dude at all. What a scam artist!!!

This Us national bank has about a million threads going at this point. There is no such place, and it is a very illegal scare tactic. We all need to just ignore them.

United Cash Loans calls me every day, and they insist that they're legal in my State. I told them that if they have the, uh, "guts" to send me something to that effect in writing, on company letterhead, that we'll talk. Otherwise, I've told them when they call, I'm just going to hang up on them, which I've been doing. By now, I've learned that these stinkers will use any tactic they can to bully or scare people into giving them more money; what an awful way to make a living, huh?

If you read thru the threads you will see that infact there is no such place as US National Bank. It is a very illegal collection attempt.

I have just been contacted by one of these...i live in ny... i see there was someone that had a help line....if you can give me the # that would be great

This issue happened to one of my coworkers. Stating he borrowed $300 and had to pay back $390 from October of 2008. First they said December 2008. With all the fees he now owes $5200. Ummm, no I dont think they are correct. They said they have all of his information and wanted a bank statement proving he never received money. Well he isn't sending it because that will give them more acct info. The number came from Florida, but when you call it, it is disconnected. They only way to corresponde is via email. They threatened to have him picked up and taken to court tomorrow. We are in the miltiary and with the new law, he couldnt have received a payday loan at that time anyways.

This issue happened to one of my coworkers. Stating he borrowed $300 and had to pay back $390 from October of 2008. First they said December 2008. With all the fees he now owes $5200. Ummm, no I dont think they are correct. They said they have all of his information and wanted a bank statement proving he never received money. Well he isn't sending it because that will give them more acct info. The number came from Florida, but when you call it, it is disconnected. They only way to corresponde is via email. They threatened to have him picked up and taken to court tomorrow. We are in the miltiary and with the new law, he couldnt have received a payday loan at that time anyways.

This issue happened to one of my coworkers. Stating he borrowed $300 and had to pay back $390 from October of 2008. First they said December 2008. With all the fees he now owes $5200. Ummm, no I dont think they are correct. They said they have all of his information and wanted a bank statement proving he never received money. Well he isn't sending it because that will give them more acct info. The number came from Florida, but when you call it, it is disconnected. They only way to corresponde is via email. They threatened to have him picked up and taken to court tomorrow. We are in the miltiary and with the new law, he couldnt have received a payday loan at that time anyways.

i lost my job so i took out loan

i have a kevin smith calling me for us national bank/usa fast cash for a loan paid in full. what is this?

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