How to deal with pay day loans, before paying them...
Date: Mon, 07/20/2009 - 01:48
I have 3 PDL's out...
$200 with each of them and the "lenders" are as followed...
One Click Cash
United Cash Loans
Kingston Financial Loans...
I live in Pittsburgh, PA and was simply wondering how i should go about paying these, I haven't payed any amount on them yet but the first fees will be taken out on 7/27/09. How should I go about this? I HEAR NOTHING BUT INCREDIBLE THINGS ABOUT THIS WEBSITE, so I figured I should consult the PROS =)
Please help
You need to pay what you owe. It sounds like yoiu do not want to
You need to pay what you owe. It sounds like yoiu do not want to pay
not true at all, i just want to know what i HAVE to pay, not try
not true at all, i just want to know what i HAVE to pay, not trying to get racked for tons of extra "interest" fees.... of course i will pay back the principle... cmon now...
i think the guest felt uneasy because it appears that you took t
i think the guest felt uneasy because it appears that you took these out knowing there might be "ways to get around them" i am not juding you but hope this is not the case.
payday loans get ugly, if the loans are not legal, you will be harrassed at work (phone calls), threats, etc. you will have to close your bank account, open a whole new one - which is sometimes a huge pain if the bank will not help you.
i do not know the laws of PA or the companies you are dealing with, perhaps someone will be around to help though. and i apologize if this sounded kind of mean, i am not judging you, I just wanted to make clear to anyone else reading this that payday loans are no joke. my idenity was stolen due to them, i am reported to chex systems, my whole life changed for a long time because of them.
I have to agree with the above guest. I mean why would you have
I have to agree with the above guest. I mean why would you have 3 new loans with nothing paid on any of them and then come to a payday loan help site, if there hadnt been any problems yet?
If you took out the loans, received the funds and had no intentions of repaying from the get go....then that constitutes fraud. It will cost you more in attorney fees to escape the fraud charges than it would to just repay the loans.
i do not know if the companies are legal though, guest - if they
i do not know if the companies are legal though, guest - if they are not, i do not think they can take have any charges against you. someone please correct me if i am wrong. i am only bringing that up in case someone reading this hears that as a threat and panics.
regardless, though, it is not right.
What do you mean "how should I go about paying these?" If you
What do you mean "how should I go about paying these?"
If you took out the loans, agreed to the fiance charges and the company hasnt done anything wrong, then you owe them.
Make sure you have the funds in your account to cover whatever all 3 PDLs are going to take out.
Think this is someone trying to scam PDL companies and wants to
Think this is someone trying to scam PDL companies and wants to know the best way to do it.
i tend to agree, and it is sad because there are so many honest
i tend to agree, and it is sad because there are so many honest people on this board and when they ask for help, it makes them look bad.
I guess we could look at it another way; this person has taken o
I guess we could look at it another way; this person has taken out the PDLs, maybe in the meantime they found this site and are scared to death they might be entrapped w/ PDLs forever and they want to know how to pay them off as quickly as possible? just a thought...
good point, pacahcutec, i did not want to judge but i guess i go
good point, pacahcutec, i did not want to judge but i guess i got carried away
Good points, but it does sound a bit shady. If there are no
Good points, but it does sound a bit shady.
If there are no problems with any of the 3 loans, why ask: "how to deal with payday loans, before paying them?"
Mean while, the op never came back for any advice. That speaks v
Mean while, the op never came back for any advice. That speaks volumes
Oh well, I'm one of those annoying fools who likes to take a sta
Oh well, I'm one of those annoying fools who likes to take a staetment/question and turn it around several different ways, hee hee! I guess you could read their post several times and get a different opinion each time; and, yes, it does look a bit odd that the person never came back for the advice. Unless they were getting info about this site from someone else, I don't know where they'd get the idea that people here would help them NOT pay their loans. Most of the comments and answers to questions her emphasize the fact that people should pay the principal on their loans. Too (and here I go again!!!); maybe it's someone who's connected with a PDL who wants to see if they'll get some illegal advice on this site on how to avoid paying loans?
LOL...or maybe its someone who found this site and read the post
LOL...or maybe its someone who found this site and read the posts. Then thought, wow, what a clever idea to get money and not repay. Not realizing they would be comitting fraud:
Fraud as a criminal act,
In criminal law, fraud is the crime or offense of deliberately deceiving another in order to damage them ??? usually, to obtain property or services unjustly. Fraud can be accomplished through the aid of forged objects. In the criminal law of common law jurisdictions it may be called "theft by deception," "larceny by trick," "larceny by fraud and deception," or something similar.
i agree that it is fraud and immoral. the only thing that i qu
i agree that it is fraud and immoral.
the only thing that i questioned is if an illegal company can do anything about this. both parties would be in the wrong, of course.
either way, these loans are no joke and more trouble than they are worth. i hope nobody gets the wrong idea from these boards. we want to help people who are being harrassed, etc. for stuff they over paid. :( it is so dangerous to put your info out there on the internet..
I just did not want to alarm some readers who hear these threats made by companies, which is why i brought up those points. it is common for collectors to say someone is being investigated for theft by deception, bank fraud, etc. and i just did not want someone innocent to be freaked out by this :)
WHOA!!!!!!
I obviously need to explain further what i meant when i posted this...
I was looking up these companies... there were various complaints, some serious stuff posted on this website about all three of these payday lenders... I GOT SCARED TO DEATH, ESPECIALLY BECAUSE I WILL BE MAKING MY FIRST PAYMENT ON JULY 27!!!!, BUT I WILL BE ONLY PAYING 150 ON EACH OF THEM!!!!
I dont know if i didnt explain this well enough, or a few of you on here allowed a few others to make YOU jump to conclusions over this...
I OBVIOUSLY WILL BE PAYING BACK WHAT I BORROWED, I JUST WAS AFRAID THAT THESE COMPANIES ARE GOING TO DO TO ME, WHAT THEY HAVE DONE TO SO MANY OF YOU...
I apologize for not explaining good enough, but some of those comments were just not called for... im quite surprised
most of my comments were more open ended towards the situation b
most of my comments were more open ended towards the situation but i do apologize. i think this board tries hard to be moral and does not want the reputation of "cheating the system".
i really am not familar with PA laws or the companies mentioned here
on the illegal payday loan lenders, and people who take out pdl
on the illegal payday loan lenders, and people who take out pdl with no intention of repaying....you are right... both parties would be in the wrong......lol would the judge find them both guilty and throw em in the same cell? lololol
On a more serious note....this is a great site with wonderful people here to help the real people in need. Hopefully dishonest people will not use the knowledge of the caring people here to further their acts of deceit!
Guest sorry for not understanding your original post. And thank
Guest sorry for not understanding your original post. And thank you for explaining.
Business Contact and Profile
Name: One Click Cash
Phone: (800) 349-9418
Address:
2533 N Carson St Ste. 5024
Carson City, NV 89706
Website: www.oneclickcash.com
File Open Date: August 2005
TOB Classification: Payday Loans
BBB Accreditation: This company is not a BBB Accredited business.
Additional DBA Names: Preferred Cash
Business Management
Additional company management personnel include:
Complaint Department
Additional Locations and Phone Numbers
Additional Addresses
2533 N. Carson St
Ste. 5024
Carson City, NV 89706
Additional Phone Numbers
Tel: (800) 230-3266
Customer Complaint History
BBB serving Northern Nevada and the Lake Tahoe Basin no longer processes complaints against this company. Any complaints are directed to BBB serving Omaha, NE for processing.
For a full report contact BBB located in Omaha, NE at (402) 391-7612 or nebraska.bbb.org.
Prior to November 10, 2008 this company's complaints were handled locally. The following data represents complaints processed by this BBB prior to November 10, 2008.
BBB processed a total of 73 complaints about this company in the last 36 months, our standard reporting period. Of the total of 73 complaints closed in 36 months, 7 were closed in the last year.
These complaints concerned :
53 regarding Billing or Collection Issues
2 - Failure to correct billing errors
1 - Failure to substantiate charges
15 - Improper collection practices
14 - None of the Above - Credit, Billing or Collection Complaint Issue
19 - Unauthorized bank debits
1 - Unauthorized credit card charges
8 regarding Contract Issues
3 - Invalid or false contract
4 - None of the Above - Contract Complaint Issue
1 - Unauthorized changes to the contract or agreement
4 regarding Customer Service Issues
3 - Inappropriate behavior by customer service personnel
1 - None of the Above - Customer Service Complaint Issue
1 regarding Delivery Issues
1 - Non-delivery of services
2 regarding Refund or Exchange Issues
2 - None of the Above - Refund or Exchange Complaint Issue
3 regarding Sales Practice Issues
2 - None of the Above - Sales Complaint Issue
1 - Sales presentation not consistent with the written agreement
2 regarding Service Issues
1 - None of the Above - Service Complaint Issue
1 - Unauthorized service
These complaints were closed as:
53 Resolved
18 - Company resolved the complaint issues. The consumer acknowledged acceptance to BBB.
5 - Company offered a partial (less than 100%) settlement
which the consumer failed to acknowledge acceptance to BBB.
1 - Company offered a partial (less than 100%) settlement which the consumer accepted.
29 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to BBB.
2 Unresolved
2 - Company failed to resolve the complaint issues through BBB voluntary and self-regulatory process.
17 Administratively Closed
10 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.
6 - BBB determined that despite the company's reasonable effort to address complaint issues, the consumer remained dissatisfied.
1 - BBB determined the company provided proper verification that indicated there was no obligation to resolve the issues of the complaint.
1 No Response
United Cash Loans
I do not think this company is licensed & legal and has very questionable business practices!!
BBB Rating for United Cash Loans
Based on BBB files, this business has a BBB Rating of F.
Reasons for this rating include:
???120 complaints filed against business
???Failure to respond to 10 complaints filed against business.
???22 complaints filed against business that were not resolved.
???BBB does not have sufficient information to determine how long this business has been operating.
???BBB does not have sufficient background information on this business.
Business Contact and Profile
Name: United Cash Loans
Phone: (800) 410-9275
Fax: (888) 570-9772
Address:
3531 P St. NW
Miami, OK 74355
Website: www.unitedcashloans.com
File Open Date: April 2008
TOB Classification: Loans
BBB Accreditation: This company is not a BBB Accredited business.
BBB has requested basic information from this company but has not received a response. As a result, BBB may not have current information about the company.
United Cash Loans is located at the same address as USFastCash, & AmeriLoan. A subsequent BBB investigation determined that this address is the address for offices of the Miami Nation Indian Tribe. During its investigation of these companies, BBB employees visited the location as well as sent a certified letter to the Chief of the Tribe asking for further information regarding these companies. Employees of the Miami Nation Indian Tribe neither confirmed nor denied knowledge of the loan companies, and informed BBB staff that they would have to speak to the Miami Nation Indian Tribe's Leadership concerning the matter. BBB has not received a response from the Chief concerning this matter. At the present time, BBB does not know if these companies are operated by the Tribe, by employees or other people using the Tribe's addresses, or is a joint venture between the Tribe and a for-profit company.
The complaints against this company and others located at the same address generally allege the inability to pay off the requested loan, charges to the consumer's checking or credit card account despite never receiving the requested loan, or continued unauthorized charges to the consumer's credit card or checking account once the loan has been paid off.
BBB has determined that this company is not licensed in the state of Oklahoma to provide loans to consumers and does not appeare to be licensed in any of the states from which consumers have filed complaints with BBB. However, if the Miami Indian Tribe actually operates this business, it may not be subject to state laws regulating this industry.
BBB encourages all consumers seeking loans of any kind to research all of their options before providing any private financial information or signing any loan papers. Consumers should check with BBB on the company's grade, their complaint volume, and whether or not the company is licensed or regulated to provide the type of loan services the customer is seeking.
Additional Locations and Phone Numbers
Additional Addresses
2533 N Carson St STE 5020
Carson City, NV 89706-0147
Additional Phone Numbers
Tel: (800) 354-0602
Licensing
This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
These agencies may include:
Department of Consumer Credit
4545 North Lincoln Boulevard, Suite 104
Oklahoma City, OK 73105-3408
(800) 448-4904
http://www.okdocc.state.ok.us/
Kingston Financial Loans
Could not find any company info for Kingston Financial Loans?
So dont know if they are licensed & legal?
Guest, Be aware if they are not a legal & licensed payday loa
Guest,
Be aware if they are not a legal & licensed payday loan lender, you only owe the principal amount borrowed with no interest fees.
THANK YOU ALL VERY MUCH FOR THE SPEEDY RESPONSES, ESPECIALLY YOU
THANK YOU ALL VERY MUCH FOR THE SPEEDY RESPONSES, ESPECIALLY YOU FATCAT, MY NAME ON HERE IS LENOX139AVE... IM JUST HAVING LOGGIN IN PROBLEMS... THATS EXACTY WHAT I WANTED TO KNOW FROM THE BEGINNING, I ONLY HAVE TO PAY THE PRINCIPLE AMOUNT... WHICH I PROMISED I ALWAYS MEANT TO DO =) AGAIN THANKYOU FATCAT AND EVERYONE ELSE
Good luck, keep us posted and let us know if you have any questi
Good luck, keep us posted and let us know if you have any questions.
is your bank account secure?
Yes, i put stops on my bank accounts and used one of the templat
Yes, i put stops on my bank accounts and used one of the templates that was provided on this site... I just also want to say that people like you "bea2ls" are incredible, you are helping people what are beyond stressed out and you are giving them hope... Im an editor in a city wide newspaper, i was interested if you would let me do a story on a few of the "hall of fame" members on this website and the website as a whole... how would i go about getting this information?... THank you all so much again
LENOX139AVE, You are very welcome and keep us posted on how e
LENOX139AVE,
You are very welcome and keep us posted on how everything goes. Sorry for the misunderstanding on your original post.
I found the above BBB information quite interesting; ok, so I un
I found the above BBB information quite interesting; ok, so I understand, if the Miami Indian tribe actually operates UCL, it is probably exempt from laws. However, if the tribe is NOT operating it, if UCL is just using their land as a bogus address, COULD they be be held to State laws? Guess if we keep getting calls from UCL and they bring up that old "we are in Oklahoma and you're liable to follow under Oklahoma laws," we tell 'em to pound sand, that BBB says they're not licensed in Oklahoma?
thanks for the compliment :sun: this board has helped me so m
thanks for the compliment :sun: this board has helped me so much, this board is really great :)
the older members of this website, the one with more then a few
the older members of this website, the one with more then a few posts should really be commended on they're information and knowledge of these scams, i have nothing but love for you all and wish you and yours all the best... you all have made me feel so much better and that is something i could never repay... all i can do is "pay it forward" and i plan to do just that... once again thank you all for setting my mind at ease... it was the best gift i could receive....
You guys are smater than that!!! The OP just got your approval
You guys are smater than that!!! The OP just got your approval to scam the 3 IPDL's.
Think for one minute:
1. If they are new to the PDL thing, why would they take 3 loans and then start researching way not to pay?
2. If they had not had issues with PDL, why would they end up here?
3. If they were not planning on "duping" the IPDL's, why start looking for ways to get free money (money with no fee) over a week before they are due?
Call me a skeptic....all together now....but you and this forum have just given this person permission to commit fraud in my opinion.
My advice to the OP is to payoff everything that you owe these companies, including their fee, and never borrow again.
pdlowner, i really do not know.. call me naive but all i know is
pdlowner, i really do not know.. call me naive but all i know is that this board helped me many times and i just want to help others. i agree that it does seem sketchy and it is so hard because you have no idea who is hiding behind a keyboard, i do not personally know the poster's situation but i do like to give people the benefit of a doubt. but you are right, it could be a scammer, it could be a person in honest need of help (which is why I did offer advice). i mean, it could even be an employee for one of the companies listed! but in case it is someone who needs help, this is the place for it.
of course i think the poster should pay back what was borrowed - i would never advocate scamming anyone.
as i said, i really hope this board is not giving people the wrong idea.. it is never worth it to give out your personal information online and the trouble does not go away for a long, long, long time. there is no such thing as "free money" in this world..
Indians of Oklahoma running PDL company?
I can tell you if one of the payday loan companies is owned or ran by the indians in oklahoma, you will not dupe them! I live in the state of Oklahoma, and had a problem at one of the Indian gambling places. I contacted my attorney and he said, Dont fight with the Indians, you will NOT win! They are not governed by our laws. You have to go to Indian court.
Quote:You guys are smater than that!!! The OP just got your appr
Quote:
You guys are smater than that!!! The OP just got your approval to scam the 3 IPDL's. Think for one minute: 1. If they are new to the PDL thing, why would they take 3 loans and then start researching way not to pay? 2. If they had not had issues with PDL, why would they end up here? 3. If they were not planning on "duping" the IPDL's, why start looking for ways to get free money (money with no fee) over a week before they are due? Call me a skeptic....all together now....but you and this forum have just given this person permission to commit fraud in my opinion. My advice to the OP is to payoff everything that you owe these companies, including their fee, and never borrow again. |
We aren't here to pass judgment on people, we are here to provide information which will help people who get caught up in the pdl trap! So before you start pointing your finger at the members of this board for sharing their knowledge, go look in the mirror! I could post links to advice you have given non-members and members alike that could easily be misconstrued! :wink:
Shazzers, you and Bea2ls are 100 percent correct. We don't have
Shazzers, you and Bea2ls are 100 percent correct. We don't have any way of knowing who is posting and what their real reasons for posting are; however, I believe most of us are here for the same reason, we got caught up in the PDL trap, many of us have made it out (or nearly so) and we want to help others in the same situation. Maybe the original poster IS a scam; however, it's entirely possibly they had a bad financial situation and took out 3 PDL's to take care of their immediate needs. And, just an example, maybe in the meantime they heard a news story about how bad internet PDL's are and thought "hey, maybe I'd better do some checking to see if I can handle my PDLs," and they found this site? I mean, isn't that how many of us got here, we got in PDL trouble (admittedly after we'd had them for a while), and went online to do a search on paydayloan problems, something like that? Anything is possible.
MikeW, I've heard that as well, that the companies run by the Indians are very well-insulated legally. However I found that bit in the post about the BBB very interesting in that they're questioning whether or not the PDL's ARE actually owned and operated by the Indian tribes. If it's found out in fact that they're just renting the address, maybe the PDL's COULD be held liable under state law?
Pachacutec - i also find this interesting. i am not familiar wi
Pachacutec - i also find this interesting. i am not familiar with tribal loans but i suspect i am being harrassed by one connected with them.. if they cannot be held liable, what does this mean to people who borrow from them or they are harrassing?
bea2ls, the last "holdout" I have on my loans as far as pesterin
bea2ls, the last "holdout" I have on my loans as far as pestering telephone calls is United Cash Loans, which is a division of MNE, which is located in Miami, OK. That's why I was interested in that part of the post about the Better Business Bureau; apparently, according to the post they're not licensed in Oklahoma in any case. I'm hoping that the BBB will determine they are not in fact owned/operated by any tribe and that UCL/MNE WILL be held liable for their actions. If it turns out they ARE operated by tribal members then I guess they can't be held responsible to Federal laws. But of course we have to look at it from the angle if they're not licensed in OUR States, then we probably can't be held responsible for THEIR laws. Weird.
bea2ls, what that means is that unless you and your references c
bea2ls, what that means is that unless you and your references can "disappear, you will be calld and harrassed. The only way to get them off of your back is to pay them off or settle with them.
___________
As for the OP, I stand by my gut on this one. As many can attest, you included Shazz, I will call them like I see them. I have been in this business alot longer than most of you have been opposed to it and have seen the best of them scam many companies. When you take all of the pieces that the OP has supplied at the beginning, that is where my opinion was formed.
I was stating that some of our regulars were quick to make the same opinion as I, which is generally not common (in a good way). Then after the OP realized that they gave too much (or too little) information, they came back and "changed" thier story to fit the truthful agenda of this forum and caused some sharp eyes to backtrack on thier opinion.
If I am wrong, I will apologize for the acusation. Fortunately or unfortunately, I have been pretty good at spotting an issue
Quote: We aren't here to pass judgment on people, we are here t
Quote:
We aren't here to pass judgment on people, we are here to provide information which will help people who get caught up in the pdl trap! So before you start pointing your finger at the members of this board for sharing their knowledge, go look in the mirror! I could post links to advice you have given non-members and members alike that could easily be misconstrued! |
Thanks for the information...
If you have an issue, send me a PM and don't clutter another thread with your disagreements with me.
Pachacutec and PDLOwner, thanks for the clarification of the tri
Pachacutec and PDLOwner, thanks for the clarification of the tribal laws. i still do not understand this fully, if they are legally protected, does that mean that they can give loans to people in states that prohibit them? I guess I do not understand exactly they are legally protected from.. this is just a general thing, i have never dealt with any of the ones listed (I think i might have had a loan with united cash loans a long time ago, but just paid them off through ach) i am sorry to take this thread off track but i just find this interesting.
Quote:Thanks for the information... If you have an issue, sen
Quote:
Thanks for the information... If you have an issue, send me a PM and don't clutter another thread with your disagreements with me. |
I WILL defend (NOT CLUTTER) my fellow forum members in a thread ANYtime I see fit. I don't appreciate your attitude and sarcasm, instead of making little innuendos, just "call it like you see it" and tell me to stuff it! :lol:
PDLOwner wrote:
Quote:
I have been in this business alot longer than most of you have been opposed to it and have seen the best of them scam many companies. |
Never assume anything, there very well could be other members who have worked in the same line of business as you.
bea2ls, There are so many gray areas regarding the internet a
bea2ls,
There are so many gray areas regarding the internet and this is one of them. There have been 2 states that have upheld the Soverign Nation model for PDL's and I would have to guess that many more will follow when pushed. The reason they are not being pushed to decide is due to cash or lack there of.
Yes! Guest "Indian Court". If you comitt a crime on "Indian Pr
Yes! Guest "Indian Court". If you comitt a crime on "Indian Property" in the state of Oklahoma you can be arrested twice for the same crime!!! First by the Indian Authority, and then they will call the County cops and turn you over to them.
Now you are thinking "double jeopardy" right.
The Indians are not governed by our laws, but by their own laws. Since the crime was comitted on Indian Property you will go to "Indian Court" first.
If the County Prosecutor also wants to pick up the charges, you then will go to "white mans court" as the Indians call it.
Quote:Shazzers, you and Bea2ls are 100 percent correct. We don't
Quote:
Shazzers, you and Bea2ls are 100 percent correct. We don't have any way of knowing who is posting and what their real reasons for posting are; however, I believe most of us are here for the same reason, we got caught up in the PDL trap, |
Dang, I just got back from a looong vacation :?
I will agree we as members of this forum is not here to assume or pass judgement on anyone. We get that enough from the bill collectors, creditors, rude guests, etc..
If a member posts information in seeking help, all WE as members can do is give the best advice. Some may disagree and speculate the validity of their situation. However we cannot possible know the full truth other than what is provided.
I must agree some posters have left me with a big question mark, and those are the ones I have no advice for. Just my two cents :wink:
In the first part of this post both bea2ls and I both had some q
In the first part of this post both bea2ls and I both had some questions about the Guest and his/her intentions. LOL I even went as far as to post the definition of fraud.
However the Guest returned with this post:
I obviously need to explain further what i meant when i posted this...
I was looking up these companies... there were various complaints, some serious stuff posted on this website about all three of these payday lenders... I GOT SCARED TO DEATH, ESPECIALLY BECAUSE I WILL BE MAKING MY FIRST PAYMENT ON JULY 27!!!!, BUT I WILL BE ONLY PAYING 150 ON EACH OF THEM!!!!
I dont know if i didnt explain this well enough, or a few of you on here allowed a few others to make YOU jump to conclusions over this...
I OBVIOUSLY WILL BE PAYING BACK WHAT I BORROWED, I JUST WAS AFRAID THAT THESE COMPANIES ARE GOING TO DO TO ME, WHAT THEY HAVE DONE TO SO MANY OF YOU...
I apologize for not explaining good enough, but some of those comments were just not called for... im quite surprised
Now in my opinion at this point all we can do is offer this Guest the help that would be offered to anyone else that came here. If the Guest is not being truthful, hopefully with all the posts he/she has learned that they could be facing some serious charges and will change their mind and do what is right.
Cool Abyss and fatcat, you're correct. Anyhow, wouldn't it be a
Cool Abyss and fatcat, you're correct. Anyhow, wouldn't it be a shame if someone with a legitimate question came to this site, saw posts which were calling another person w/ a query a "scam artist" and got scared away?