one click cash

No they are not licensed to lend in California - they are illegal.

thanks! so where do I go from here? I believe from what I gather here I do not have to pay them anything ( I of course want to pay back what I borrowed but not more)

Hello -
You are on the right site. I have found all my information on here that I never wouldve learned anywhere else . I had the same problem with One Click. Here is the response I recvd after submitting a complaint to the BBB organization. One Click responded and will write off my acct with 0 balance! Pls see below:


Consumer's Desired Resolution:


BBB Processing

09/17/2008 nanc BBB Complaint Received by BBB
09/17/2008 nanc MAIL Manually Inform Business of Complaint
09/17/2008 Otto MAIL Inform Consumer of the Complaint
09/22/2008 BBB MORE INFO RECEIVED FROM THE CONSUMER : Consumer supplied email:
09/24/2008 WEB BBB RECEIVE BUSINESS RESPONSE : September 24, 2008

Better Business Bureau
RE: Case# XXXXXXX
To Whom It May Concern:
The customer had every opportunity to print out their contract agreement when they applied and had access to it via password also. The customer had a 48-hour window in which to cancel the agreement and return the funds without incurring a fee. When the agreement was approved an email for approval, and a confirmation email were sent to the same email address used in this complaint. Both of these emails contained our phone #, fax#, and website address. In addition an account summary was sent before each debit and it explained the terms once more and all of their options for repayment. This customer did not utilize any of these options. We did not receive the account summary to pay this account in full before the first due date.
We can fax a copy of her contract if given a fax #.
Although all of the conditions and terms were met, in an effort to assist this customer, we will write off the remaining balance. The account is closed now with a zero balance. We do not feel any circumstances warrant a refund on this account.
The customer will be also ineligible to do business with us or any of our affiliates in the future.
Thank you for your time and consideration in this matter.
Respectfully,
Compliance Department
CC/File
09/24/2008 nanc EMAIL Forward Business response to Consumer
09/24/2008 WEB BBB RECEIVED CONSUMER REBUTTAL : (The consumer indicated he/she DID NOT accept the response from the business.)
ATTN: Better Business Bureau
To Whom This May Concern,
It is JUST RIGHT that they close the account with a zero balance as their fees are illegal in CA. I understand that the contract stated their fees for rollover and my option of paying them down. But having customers pay the rollover fee which is 90 (which is just the fee and does not apply towards the principal)+ paydown amount , say $50 is not allowed in my state and I was so thankful to find out that there were hundreds of complaints about them and they were rated UNSATISFACTORY by BBB. They know that they are not licensed in California, yet they still do business here. They could have told customers that they are not conducting business in CA, but of course they won't tell us that because they are after the ridiculous fees they charge customers. Their reasoning of "my not utilizing options is OUT OF THE QUESTION as they charge double the amount of interest for a $300 loan. When they said on the letter, "We did not receive the account summary to pay this account in full before the first due date", at that time, I didn't know that what the company charges is not legally allowed in CA, regardless of whether I agreed to their contract as I wasn't aware of PaydayLoans LAW here in California at that time. Also, Although I know I overpaid, I AM NOT requesting for a refund on my original complaint letter so One Click Cash should not even try to turn the table on me to make their company look like they have tried to help.I just wanted to make clear that it is just right to close the account because I have paid my due and NOT because they are doing it as a courtesy as what their letter is trying to imply. (If I may remind OneCLickCash, it still has an active/outstanding Desist and Refrain Order here in California) I also demand a letter of PAID IN FULL sent to my home address and no damage shall be reported to teletrak, telecheck, or the credit bureau as I have taken care of my due already as protected by California Law.

***** I just had to email that response back to them even though they stated they are closing it already because they are trying to sound like we consumers are at fault for not complying to the contract when we are obviously not aware of that PDL Law in CA at that time that we signed it. We are really lucky to have this site for everyone to get info from. Many Thanks!!!

I got a call from this guy stating my ss# was flaged, I told him I had tried to make payment arrangements but that they would not work with me. I also stated that I have found out they are not legal in california and that they should not have loaned me the money, the fees are illegal and that I would agree to pay the principal balance only. he said he didnt know what I was talking about and that it didnt matter about the laws, becouse they are not in california. he also said that I owe 560.00 on a 350 dollar loan, and that these charges are late fees and interest from the loan. and I should just bite the bullet and pay what is owed to them. I said I could pay no more than 40.00 every 2 weeks to pay back the 350 dollars I owe, I also had sent them the pdl letter with the california laws. I dont know what I should do next. morrally I want to pay back the 350.00 but I dont feel that I should pay more than that, I had payed at least 2 months of fees before I had my checking account closed.

Attached is the civil action taken by the State of California against One Click Cash and its dbas dated 6/27/07. As for the guy that said it doesn't matter or he didn't know what you are talking - gladly ask him if would he like a copy of it for his own records...Morally you don't owe him anything but the principle balance...how much did you pay in 2 months of fees? Add them up - if it is more than the $350 then technically you don't owe them anything. Good luck

http://www.corp.ca.gov/ENF/list/a/ameriloan.asp

thank you so much Ksando. I paid the fees twice so that was 180. Ill make arrangements to pay the rest I owe them.

you owe them 120.00.don't let them try to tell you different.also don't send anything without something in writing.

So, from what I gather from the civil action against them, they also werent allowed to loan me more than 300, they loaned me 350. they person I spoke to said that the extra 250 was for "late charges and interest" and if they were charging me the regular finance fees I would owe something like1500.00 dollars. I cant believe these idiots are still lending money to people in California!

not just idiots,criminal idiots.they ignore a cease and desist and then treat people like they do.they should be shut down,but because they gave some native americans fire water to give them some kind of protection cause they are on indian land.i agree that they need to be closed down,but as long as this forum and others exist there grip is slipping.

excuse me, but I am a native American and find that remark offensive.

well,some tribe in oklahoma sold there souls for a cheap buck or other things.take offense,i know alot of native americans who are offended by the fact that these people allow a bunch of criminals an exemption.this is a crooked pdl conglomerate.
question,do you get offened when sports teams from FLA STATE,ATLANTA,CLEVELAND.do there things.the tomahawk chop?the shows by FLA STATE?the flawing spear?please know that the hypocracy is staggering.

Technically your contract is "null and void" in the state of California because "yes" you are right they were not allowed to lend you any money since civil action was taken against them. What you can do is if you have copy of the contract - send a copy of the the State along with a complaint. Also, send the guy a copy that keeps bugging - fax it, email, send it, etc...because he is giving you a line of crap. Hell I would - I have no hesitation doing it...

thanks k sando, and paul for your advise! also for guest I agree that you should be offended, but not at paul you should be offended that some official of the native american community would make it possible for this company to stay in business. also you should register! this is a great site and you can earn money too!

IM MAILING MY PAYMENT WITH MONEY ORDER

Is One Click Cash Legal in Colorado?

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is one click cash legal on florida? i took out a loan from them a couple months ago and defaulted 2 weeks ago for insufficient funds and they claiming that i owe them more than before. is there anything i can do ?

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