Paycheck Today
Date: Tue, 01/27/2009 - 08:37
No, they aren't licensed in Ohio or any other state. Paycheckto
No, they aren't licensed in Ohio or any other state.
Paychecktoday (Illegal/Unlicensed)
515 G NE
Miami, OK 74354-8224
1-866-756-0600
fax at 1-800-671-0131
I hope the information below will help you. :) You are only obl
I hope the information below will help you. :)
You are only obligated to pay back the principal amount you borrowed from an unlicensed/illegal Internet Payday Lender.
[quote]What should you do?
Close your account asap, if you are unable to close your account, go into your bank and ask to speak with the Branch Manager, tell him/her you need a hard debit block placed on your account immediately! Explain that you are revoking ACH authorizations from unlicensed/illegal companies, and have learned these companies are notorious for ignoring revocation, therefore it is important to BLOCK any withdrawal attempts on your account to protect your interest. This is your privilege, do not accept no for an answer. The following link will provide you important information regarding closing accounts. CLICK HERE
What next?
AFTER your account is secure send each pdl (the unlicensed and illegal) an email similar to THIS (please scroll down to locate letter template). Tailor this letter to your needs, and try to write it with the same basic concept in your own words. You will need to research and locate email addresses/physical addresses if you don't already have them, I suggest that you type the name of the pdl (example: "oneclickcash address") in the search box in the upper right hand corner of this forum. You may also search for addresses HERE at the Better Business Bureau.
File complaints: Most of the time, you can file a complaint online with the following, I encourage you to follow through with doing so, you will need to search the Internet for your state Attorney General's website, however, here are links to file complaints for the FTC, Online complaints: Federal Trade Commission., and the BETTER BUSINESS BUREAU.
Keep in mind that you may not receive a response for days, or even weeks, or, you may receive harassing and threatening phone calls. I have found the best way to deal with this is not to respond or reply, simply hang up.
Side note: If you have paid an illegal/unlicensed payday lender above and beyond the principal amount you borrowed, it might be a good idea to demand a refund and a paid in full letter/receipt. You may or may not get one or both. It still doesn't hurt to include that tidbit in your letter. :)[/quote]
Are you sure it's Paycheck Today calling you, beach gal? My und
Are you sure it's Paycheck Today calling you, beach gal? My understanding is they send their defaulted loans to a couple of different CA's. That's actually better for you since you have more rights under the fdcpa if it is a CA harassing you. See what number comes up in your caller ID and then come back to the boards. I'm sure someone knows who it "really" belongs to.
That pretty much tells me they are a CA. You need to take the c
That pretty much tells me they are a CA. You need to take the call just to find out who they are or get the phone number they are calling from so you can identify them and send a copy of the C & D letter.
they do have a worthless collection department at paycheck today
they do have a worthless collection department at paycheck today, but when they sent my account to arm it would show up on caller id as arm. the best way like kfstaff24 said it try to reverse the phone # they are calling from.
