Urgent Cash Advance

Please tell us how much you borrowed and how much you repaid. Is this an internet lender?

I did this over the net. I am trying to figure out original amounts and how much I've paid back so far, but until then, do you know if they are licensed in AZ and what my rights are?

From the AZ DFI website, it does appear that they are licensed thru 7/31/09

http://www.azdfi.gov/lists/Download/Download.htm

Urgent Cash Advance.Com Inc.
License#908334

306 W. JJ Drive
Greensboro NC 27406 (336) 272-5164

I borrowed $250.00. So far I've paid back $214.70. I am now nervous with the information above as they are threatening to send my account to the "legal department".

Here is an email they sent me:

Ms. Borum,
You may send request, in writing to receive no further calls on your personal telephone to:
Urgent Cash Advance Collections
Attn: Corporate Collections Manager
306 W. J. J. Drive
Greensboro, NC 27406
Please send correspondence by certified mail, return receipt requested. Once received, calls to your personal number will be discontinued, per the Fair Debt Collections Act. Calls to your work and/or references will be discontinued immediately. Feel free to report what you deem as "harassment" as we are in compliance with State and Federal law.
Your payment first returned on March 3, 2008. You have been offered payment plans on several occasions. The last arrangement you defaulted on was on August 15,2008. You sent the following e-mail on July 29, 2008:
Please do so and I will make sure a Money Gram is set up for the 15th, no later than the 16th. Thank you for your time, I appreciate your help. Jonell Borum
You have received all of the information you are now requesting last year. At that time you asked for a full accounting of the loan and you would repay, but you failed to do so.
Sufficient time has passed for this issue to have been resolved, however you have made no effort to do so in over 15 months. .
Below you will find the information you have requested. Please forward payment to the address above.

Principle amount borrowed $250.00
Original date borrowed 2/5/08
Refinances fees paid:$214.70
Total balance due $241.76
Arizona License number 0908334

You may view and print your original contact by logging into your account on the website.
Thank you,


What do I do now?

How much do I legally have to pay back? $456 seems alot for a $250.00 loan!

Can someone PLEASE tell me what I should pay back to UCA?

If they are licensed in your state as previously posted, then you must pay back what they say you owe.

Even though they are charging me not only the principle but double the principle in fees, so pretty much the principle 3 times over is what I would be paying BACK?

you owe 35.30.that's it.respond to there e-mail with that info.also file AG,and FTC complaints against them.