UNITED CASH LOAN, VIP LOAN SHOP, TJF CORP/BAHAMAS MARKETING

If you use the search box (upper right corner) you will find many threads on these PDL companies. Ugh...

VIP Loan Shop - they settled with me without a problem. United Cash Loan just locked up my account - no response - but just this week I'm getting phone calls from some foreign man - I think is about this loan and he says someone is coming to take me to court if I do not respond with my attorney's name - he can't give me the specific name of the company the loan was from - can't even give me the exact amount - he says it is now $5000 as they have added court costs - we'll see.

ok just got an email from VIP Loan shop, they were not able to collect there payment. So obviously, they either didn't get my email or ignored it, so I replied with the letter again. The other thing I went online today and my acount was active and my balance was 650, now i went on and my status is in collections balance 175. The loan was for 500 and I paid $600.

craziness.....Keep us updated! I send my letters out on Friday.......following Friday they'll realize well is dry!

--------------------------------------------------------------------------------

ok so it has been officially 1 week since I closed my account (fyi wamu and they are idiots, I explained everything to them and the pdl's have tried to put the debits thru twice and now I owe like $300 in just nsf funds)

anyways I have not recieved any notices or calls yet. only 1 was an email from VIP loan shop to tell me they couldn't collect my payment. So now I just wait

Any updates over weekend?

nothing... :( i am actually kinda upset that I haven't I have my whole speech ready and everything. As soon as I hear something I will let you know. Thanks for asking!!! :D

:roll: ok so i have sent my letters by email several times, by usps cert mail. and they have each missed 2 payments as of Friday. No response at all........... Don't know if this is good or bad :?

They probably haven't figured it out yet...don't worry, they will!! :roll:

I'm there, too.....Only one I've heard from that I've worked with is Cashnet which is legal....I've set up payment plan with them and will have them paid off July 15. VC Funding needed to pay them $110.00 and talked with Kara Flowers but I think she misunderstood I was sending in payment via money order for whole 500.00 so I'm sure she'll freak out when the get the small amount. Eastside has sent me an auto email about missed payment but nothing from Ameriloan, PDL loan center or GFS.....I'm thinking it will start tomorrow as that is 3 business days since they missed payment and they will have realized but I've sent all of them my FTC and BBB complaint file #'s.....Not sure what next step is?

Well I kinda got to wondering why no one had called. So I decided to check my spam folder and there was this email from VIP

Elivia,

I am contacting on behalf of your delinquent account with my company. I am showing you have a balance of $1000, however my company offers several payment options and methods to settle this debt and avoid your account from being forwarded to a third party collections. Please contact me at 1-866-321-6114 X127 so we can discuss different payment arrangments. Thank you and have a great day.

Angie G.
Collections Representative
The VIP Loan Shop
P: 866-321-6114 Ext 127
F: 866-287-9563
[email]angie@pdlsupport.com[/email]

So I replied with my letter again. So it starts I guess.

This is VIP response to my email:


Per the National Bank Act, loans given to United States residents are subject to the laws and regulations of the state or country in which the company issuing the loan resides. Furthermore, in the loan contract you electronically signed in order to apply for a loan with us, it clearly states that you agree to abide by the laws of Nevis West Indies as they pertain to the terms of your loan.

The actual amount that you have paid on this loan is $450 in finance fees only. I am more than willing to work with you to get the debt settled. I can settle your account for $550 and you can make as many payments as you would need. Otherwise, I will have no choice but to forward the account to a third party collection agency for the full balance of $1,000.00.

now what should I respond?

ROFLMAO...WHAT and WHO is the National Bank Act?

Laws of your state take precedent... :roll:

If you haven't filed your complaints with the AG, FTC & BBB, then I suggest you do so...send them copies...

If you have paid the principal back, tell them that you know they are illegal, the prinicipal has been paid back, and now they need to FOAD and leave you alone.

I did file my complaints, so I will forward those copies to them. But I went over my records and I added incorrectly, the loan from VIP was for 500 and I have only paid back $450. I responded with my letter and corrected to say I only owe $50 and will pay them by money order but need an address. She responded with the above letter. so I just responded back with my letter again.

Good job. Stick to your guns with these Illegal lenders :wink:

Thanks! I would be a total mess if I had never found this site.

I got my certified letter back from them marked "unable to forward". So I have no email for them so I have not been able to do that. I really don't wanna call them. Monday will be the 3rd time their payment won't go thru...... :? hmmmm any ideas????

Don't know about the others, but United Cash Loans is a complete pain. I told them that my State Atty. Generals office and State financial regulatory office said they were illegal, and UCL told me that my State Govt. didn't know what they were talking about!!!

lol. I have emailed them so many times and I did get my cert letter receipt from them but all I get is this:

Thank you for contacting UnitedCashLoans. This email is to confirm receipt of your document and or request. Our processing department is currently closed. Your documents and or request will be reviewed and processed in the order in which it was received, during normal business hours. Processing hours are . Our customer service representatives welcome your questions. Please call: 1-800-279-8511

so I just send it again.

I have recieved 2 emails from BBB on status of my complaints, JHS Marketing aka TJF Corp and/or Bahamas Marketin

We regret to inform you the mail we sent to the business was returned as UNDELIVERABLE or they are no longer in business.
5700 Broadmoor Street
Mission, KS 66202
Does anyone have a new address or email address.

and United cash loans has not responded. :x

I tried to work with United, but they refused. I took out a 500 dollar loan and have paid back a lot more than that. I have never missed a payment, and I think that hurt me when I tried to settle.

hey guys, I wondered upon your blogs while I was searching for the website for VIP loan Shop. I also have an outstanding loan with them. Did you say they are illegal in the US? If you dont mind, can you fill me in?

i also have an outstanding loan with Fdbloans.com, who charge me a set amount of 79.02 every month. The loan was for 500, and once I am finally paid off, it will be almost $800. Does anyone know anything abou this company?

Chelli - you can use the search box (upper right corner) to search for VIP Loan Shop & FDB Loans. That's a good place to start.

HI...
does anyone have the web address for VIP Loan Shop in which I can go to check my account information?
When I visit theviploanshop.com, it only gives me a page to reapply. I want to view the payments and other account information.
Please help...>?!

I think they just changed their website all together to where you can look at your info. I haven't been able to find any other webpage for them.

Hey hele,

What address did you have for the VIP loan shop?

VIP PDL Services, LLC
4 Solomon's Arcade, Charlestown, Nevis
West Indies
[email]Customerservice@theviploanshop.com[/email]

I had a loan with them and I have to say I did not have any problems.

Can anyone provide me with addresses for vip loanshop and united cash loans?

these guys are full of ;;;;;; This is a scam they do all the time, they don't speak english and usually a guy. They called me and I told them my attn. name.....They hung up!!!!!!!!!

I applied for a $300 loan and have been told that this was approved yesterday. I filled in the details online, and am waiting for confirmation-- my phone is damaged and I am waiting for a replacement, but meanwhile I have completed the process online. Please let me have the status of my loan by e-mail, as soon as possible. Thanks in advance.

VIP LOAN SHIP are illegal and crooks. Do NOT give them any more money ever. I seeked advice from an attorney then filed a formal complaint with my state's Dept. of Justice. They are BAD!!!!!!! Everyone who has had any involvement with them must file a complaint and shut them down for good. I closed my account and had my bank return 60 days worth of fees. VIP Loan Shop doesn't like me much any more. They have even tried to call me at my work thinking I am dumb enough to fall for another one of their scams. Let's shut them down.

I got a loan for 400 dollars and they told me the finance charge was 60. Well we started making the payment 120 every 2 weeks. And I tried and tried to call no one answers. So I sent a email asking how much my balance was it took 1 week to get a response. All I got was a email saying my balance was 400 even though I have paid 540. I stopped them from being able to debit my account any more and we are changing banks. I am going to ask for a account summary for my attorney and then tell them I will not pay anymore. I mean come on 240 a month and my balance is the same. Any helpful tips out there?

Make sure you file complaints with BBB, Attorney Generals, FTC, Department of Corp. and www.ic3.gov. Even write to your congressmen, and Senators. the more you write the faster they will go away, even write the media

omg...you guys are blaiming the wrong people. the loan wasn't illegal when you applied for the money. you were so anxious to get the money that you failed to ask questions and fully read and understand the paper work. Truthfully whose fault is that?so now you're MAD and BITTER because you didn't understand that you have been paying fees out the butt hole every payday hence the term "Payday Loan" you ignored the contract which clearly states to pay your loan off YOU have to contact the loan company to set that up. Also, you fail to realize this is a short term loan it's not meant to be dragged out for months or you will be paying back twice even 3 times as much. that is why when i deal with these kind of people i pay off on the first if not the second paydate. You guys are idiots to not even think to read the contract fully and ask questions especially when your dealing with YOUR checking account. That is just dumb!!!

oh yeah and to contact the bbb that's cool and all but it makes you look stupid because everything is in black and white whithin the contract that you failed to read. So you're filing a compaint for what exactly?? you're proving yourself to be the dumb a$$ for jumping into something like this head first.....ha ha ha ha ha (in my rich man voice)

enough, "smart" one. no name calling here, no judging, no wasting our time.

"the smart one" I sure hope you never fall into this type of problem with it be with Illegal PDL's or something else. Judging us is not up to you. and you should worry about Karma.... It does happen thats why everyone here is trying to do the right thing by at least paying back the principal.

Quote:

I am facing the same problem with the vip loan shop. I have been trying to pay off my loan for 3 weeks now. They are constantly deducting interest and not responding to calls or email. When i choose option 1 (for new loans) on their number, they respond immediately (everytime) but when i explain it is about existing loan - they send me to the voice mail line again. And a couple of times they just cut me off.
I filed a complaint with the FTC. I searched their database and found a similar scam online loan operator had to pay a million dollars in fines for this kind of illegal operations. Read it here:
http://www.ftc.gov/opa/2009/09/cash.shtm

I just wonder why "the smart one" is here...... smart people don't waste time in insulting others and judging around! maybe he/she is in the same situation and she came across this site hahaha! not so smart uh? loan companies enjoy people get more thatn what they can afford!!!

I have had a problem with these people of VIP Loan and this is the letter I had sent to them and you can get the good idea of what I am going through right now....
I have been trying to call and call today when I found out that you screwed me by taking $100.00 out of my account that I did not agree with. The supervisor I talked to yesterday told me he would help me out by taking OFF $100.00 off my account which makes my account owing $150.00. The way this all started is that I sent an email last payday wanting a paydown of $50.00...That was not taken out but the finance fee was. Then on this past Friday I called and left a message because the gentleman I talked to last payday about this mishap said it would be easier if I were to call and leave a message if no one answers. I did that and stated I wanted the $50.00 paydown plus the $37.50 that the finance fee was changed to due to the mishap on your part. The $50.oo was not taken out but the finance fee was. I called yesterday and talked to the supervisor and he stated that he would take the $100.00 off the account...I went into my account this evening and seen that this $100.00 was taken out of my account and I DID NOT agree to this because the way he told me it was getting taken off of my account. Now, I have had problem after problem with your company and it seems now I am just going to have to report this issue of poor customer service and negligience on your part tio the BBB and the Attorney General's office. I want you to put $50.00 back into my account that AGREED to pay and I want you to do something for me instead of screwing me over. I have a budget and other bills I have to pay and it seems to me that I have to keep paying you and paying you over and over and it is time to stop. I am going to take further action if this issue is not resolved and something is done for me instead of a damn half price friggin finance fee that you DEFINITELY no matter the circumstance take that out of people's account...Get this site straight and you wouldn't have problems with your customers such as me. I want to talk to someone that is more than a supervisor that can resolve issues I have considering now I am going to be behind on some bills that should have been paid for today and that got screwed over once again by your company.
This is totally ridiculous and they have their heads so far up their ass...I was thinking about just closing my bank account and moving it somewhere else and then let them take me to collections because Ill have their butt in court...

[QUOTE=Anonymous;491017]VIP LOAN SHIP are illegal and crooks. Do NOT give them any more money ever. I seeked advice from an attorney then filed a formal complaint with my state's Dept. of Justice. They are BAD!!!!!!! Everyone who has had any involvement with them must file a complaint and shut them down for good. I closed my account and had my bank return 60 days worth of fees. VIP Loan Shop doesn't like me much any more. They have even tried to call me at my work thinking I am dumb enough to fall for another one of their scams. Let's shut them down.[/QUOTE]
I would like some info on pursuing this also. How did you go about getting your fees back??? Did you actually get an answer to your complaint to the Dept. of Justice???? I would be on your side to the END to shut these people down. Please help...john9571@msn.com

Hi Guest,

Please don't post personal info like email addresses in this forum. Since it's open for all, you might get lots of unwanted mails.

WOW! I just called them like I was a new customer and was very pleasant with them on the phone and asked for their mailing address...so here you are for those who are looking for it.

VIP Loan Shop
4 Solomons
Arcade, Charlestown
Nevis, West Indies

Quote:

war unto those who prey on hard working American!!!!!!!!! watch as your company goes down.

Currently having issues with these ppl. Spoke to them but they said they can't provide an address in the US but are in the US.. Been overdrafting my acct with no authorization. I really need some help with this.