Need help with Cash Transfer Centers

You are going to have to close your account before they can get any more money. Then send them a C & D letter. After that start filing all of the complaints you can to the BBB and the AG in your state and theirs. I delt with them in the fall. I did this and they seem to have disappeared. I have not heard from them since November

Hello ginurse and welcome to the forum! Is Cash Transfer Centers an Internet or store front? Meanwhile, I am going to post your state laws.

Wyoming State Information

Legal Status: Legal

Citation:
Wy. Stat. 40-14-362 et seq.

Loan Terms:
Maximum Loan Amount: Not Specified
Loan Term: 1 calendar month
Maximum Finance Rate and Fees: the greater of 20% or $30
Finance Charge for 14-day $100 loan: $30
apr for 14-day $100 loan: 780%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: None (cannot repay, refinance or consolidate by proceeds of another check)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees:
Criminal Action: Prohibited (Prior to date on instrument)

Where to Complain, Get Information:
Regulator: Wyoming Division of Banking
Address: Uniform Consumer Credit Code, 122 West 25th Street Cheyenne WY 82002
Phone: (307) 777-7797
Fax: (307) 777-3555
Regulatory Contact: Joe Mulberry,, UCCC Supervisor

Cash Transfer centers is very illegal and hld no licenses to lend in the usa. They are an off shore company.You need to close the account asap.If you have already paid the principle back, you do not owe them another cent.

CTC is one of the worst out there! They are related to Northway Debit and Sonic Payday, which are notorious. A few things I would do: First off, make sure that you revoke any authorizations you signed for a wage assignment, which allows them to garnish your paycheck should you default. I promise you, they will try it--as they tried with me. Do this with your Payroll Dept tomorrow in writing. If you fax this, get an extension and a name of the person who received it and call to confirm they got it.
Now I know this company has been banned in several states, with California at the top of the list. I would also check and see if they have been banned in your home state. You can do this by going to your Dept of Corporations' website and checking.
You also need to complain to the FTC since this company is located outside of the USA. They have offices in Ireland, Canada and Malta and MUST be stopped.

Has anyone had them make arrangements?

Ginurse, take it from the voice of experience:
They do NOT make arrangements. I can tell you that the only way you are going to be free of these people is to close your bank account, default on the loan and revoke that wage assignment! I know, because I had to do it. Otherwise, they will continue to suck you dry, I can tell you that. You are going to have to play hardball with them, as they will with you.

I am in the process of writing to revoke my authorization for wage assign,ent. May I ask how did they play hardball?

And once you do everything that has been suggested above, contact their ACH processor and report them. You need to hit them where they live.

Who is their ACH processor

I do not know who their processor is. You can call your bank and ask for the info on the transaction or you can call Intercept EFT (1-800-378-3328) or ACH Commerce (1-800-724-8780) and ask if they process for
them. If so, report that you have revoked ACH authorization and they will continue to debit anyhow. There is a sticky above on this process. Check it out.

Some of the ways they play hardball is by sending some paperwork directly to your employer's payroll dept., advising that you took out a loan for "X" amount, and have been unable/unwilling to pay it back according to loan terms, so they are exercising their right and your voluntary agreement to have them garnish your wages.

Depending on how big your payroll dept is, how with-it the payroll employees are, etc., CTC have been able to get their money this way, as some people in payroll do not question the legitimacy and legalities, just garnish wages according to the request.

Also, this company has been known to contact your direct supervisor and advise that you are not honoring a financial obligation, which can be quite embarrassing. Obviously, this is not legal, but this company is not operating legally.

They have also been known to start harassing people you used as references on your loan application.

KSCornell, just to keep things accurate, CTC does not have offices in Ireland, Malta or the United States. The only offices are in Winnipeg, Manitoba and Surrey, British Columbia. Ireland, Malta and the US are only mailing addresses that forward mail to the Winnipeg address.

ginurse, it wouldn't hurt to try finding out who the processor is that electronically moves funds for Cash Transfers, just call your bank and tell them you NEED to know the name and phone number of the ACH processor for Cash Transfers. If the first person won't help you, or refuses, or appears not to understand what you are talking about, ask to speak with a supervisor, or even better the Branch Manager, you may need to be persistent in getting the ACH processor's name. Just explain that you have revoked authorization for them [Cash Transfers] to debit your account, but you fear they will continue trying, and they are not being cooperative, make sure you mention they do NOT have a license to be a lender, therefor making them illegal. Read information about ACH processors at the link below.
http://www.debtconsolidationcare.com/paydayloan/ach-processors.html

I am battling them also..... I keep getting calls from British Columbia....sent them all sorts of letters...all of them and cease and desist letters....they cant garnish wages unless ordered by the courts... and they are illegal.... I told them I would pay the principal ONLY .....they have yet to reply to me and its been 3 days.

Hello there Jon1972, they don't have access to your bank account do they? Is it closed?

NO WAY! Sorry - I keep forgetting to login. I am registered under jt_91972

I closed my account weeks ago... they called twice this morning after sending them cease and desist letters and mentioning my attorney....
guy left a vm saying they were going to decide today how to proceed against me etc... etc... I told him to contact me via mail or email....

Once they fail at wage assignment they will send a settlement offer under the name of a different company which is still them. It will be as much as 50 percent. I dealt with them before. Not to dispute what was said earlier but I do believe they are based out of Malta.