PDL One Click Cash - Lets Band Together to get Refunds Ohio !!
Date: Tue, 11/11/2008 - 19:22
Submitted by britneyspears99999
on
Tue, 11/11/2008 - 19:22
Total Replies: 2
Is anyone else trying to get a refund from this company? They owe me over $1000.00 in fees over the principle. They said that my account is under review but they will not discuss the refund with me further. I told them I was filing a complaint with The Ohio Attorney General, FTC and The US Attorney General. (I also filed one today with the BBB.)
They still will not respond. They took out the remainder of my balance as they said they would. Now I have been researching on this forum and am trying to get a refund.i don't have enough room to post all of my emails to One Click, but the only response I have received from them is below.I am not going to rest until I get a resolution to this. Does anyone else have any other ideas? I have gathered my records and am sending my complaints tomorrow. It has taken me over a week to get the info together. Will this really help? What if we all banded together ? Any Ideas?
Quote:
They still will not respond. They took out the remainder of my balance as they said they would. Now I have been researching on this forum and am trying to get a refund.i don't have enough room to post all of my emails to One Click, but the only response I have received from them is below.I am not going to rest until I get a resolution to this. Does anyone else have any other ideas? I have gathered my records and am sending my complaints tomorrow. It has taken me over a week to get the info together. Will this really help? What if we all banded together ? Any Ideas?
Quote:
Subject: RE: Federal Trade Commision Complaint # 20815225 - Date: Thursday, November 6, 2008, 2:54 PM Your account is under review, if we deem an answer is necessary, we will contact you. We will not respond to any further communication from you on this matter. One Click Cash Compliance Department Fax-1-800-491-6913 "compliancedepartment@oneclickcash.com" Why are you claiming in your 9/9/08 email to me that you are following Ohio Laws now when you were clearly disregarding Ohio Rev. Code Ann. §§ 1315.35 et seq. and Section 1321.02. License; exceptions? My email to One Click : What are you doing to review my account and my complaints? I also have discovered that you have numerous complaints filed with The United States Attorney General's Office. Do you think they will let you ignore my requests to resolve my account issue with you and the over payments I have made to you? Email From One Click Cash : On September 1, 2008, House Bill 525 went into effect for the state of Ohio. Unfortunately, this means that we are no longer able to extend credit to any Ohio residents. If you currently have a loan with us, we will be pulling your full loan balance on your 1st due date after September 1, 2008. If you are requesting to get a new loan, unfortunately, we can not loan to you at this time. Thank you, OneClickCash Email: "customerservice@OneClickCash.com" Phone Number: 1-800-230-3266 Fax Number: 1-888-553-6477 |
Have you closed your account to stop them debiting your account
Have you closed your account to stop them debiting your account in the future?
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Your Rights on Electronic Payment of Payday Loans Consumers have the right under either federal law or industry rules to stop a payday lender from electronically taking money out of a bank account. This does not settle the debt but these rights help consumers stop the drain of repeated finance charges or bounced check fees while working out payment arrangements. Loans with built-in renewals: If your online payday loan has built-in loan renewals, the lender cannot require you to pay electronically under the Electronic Fund Transfer Act (EFTA at 15 U.S.C. 1693a(9)). You have the right both to stop payment on a specific withdrawal and to revoke authorization for all future withdrawals by a lender. In both cases, the bank can impose its stop payment fee. For a loan with built-in renewals, to stop an individual withdrawal, you must notify your bank orally or in writing at least three business days before the transfer is scheduled. The bank may ask you to also give them a written confirmation of the stop payment order within fourteen days of the oral notification. If you fail to provide the written confirmation, the stop payment expires at the end of fourteen days. In addition, if you notify the bank that your debit authorization is no longer valid, the bank must block the next withdrawal as well as all future payments for the specific debit sent by the online lender. To stop future electronic withdrawals, write a letter to the payday lender that it is no longer authorized to debit your account. Make a copy of your letter to give to your bank. Your bank may ask you to confirm that you have notified your lender that you no longer authorize the payments to be automatically debited from your account. Write a letter to your bank to give written notification within 14 days of your oral notice to the bank. Otherwise the bank may honor subsequent debits to the account. Check your bank statements and report any unauthorized withdrawals from your account to your bank. |
I found the following thread especially relevant to your query where all the aspects asked by you, I think, are covered including the refund one (Note: - Please read the entire thread): -
Payday loan problem
