upfront cash loan in south carolina

Here are your state laws

It appears they are illegal since they lent you more then the max allowed and no rollovers.

If you have paid them the principle amount then you are done.

You need to send them a letter stating they are illegal and that you are only willing to pay the principle or that you have paid the principle.

Here is a template you can use. Find it here


You can fax, email or send certified USPS. Some do all three I only emailed mine.

You also need to put a ACH block on them at your bank or close your account.

Read more about closing your account here

Make sure your account is secure BEFORE you send out the letter. If you send it out before they will attempt to debt the entire debt which you may have already paid.

Upfront Cash is unlicensed/illegal
Upfront Cash
223 West Bulldog Blvd.
Provo, Ut.

OK i see that something can be done. My question is how to secure my account. i only have this one PDL that I am dealing with. I do not really want to close my account as I have both my payll and my VA disability payments direct deposit. I also read on this forum that you can ask that the ACH be stopped but i also read that the lender will just change the name and send the ACH as another company.

If I send the letter to them and copy the bank, will this suffice. BTW i bank with bank of america if that's any help.

so far I have only paid 240.00 plus another 240.00 on the 6th. So i would owe 320.00 on this principal.

HELP ANYBODY!!

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]