Paul, new forum member. Saw a previous post where

wellsonce none are legal,or licensed in any state they are illegal.first a couple of questions.

1)how much was borrowed from each
2)how much was debited prior to closing your account.

if line two meets or exceeds line one you owe nothing,but being as these places are illegal they can't charge fees or other charges.they are entitled to the principle borrowed.nothing more.go to the sticky titled DEALING WITH ILLEGAL LENDERS at the top of this very forum.it will give you everything from template letters to ACH revocation letters.to wage assignment revocation letters.just know they will threaten everything,but once you get the letters out can do none of it.

400 from 2 lenders, 500 from 2. All have been backed in excess of the principal borrowed with the exception of OneClickCash. I still owe them $200 and have no problem whatsoever in paying that. I am sending out the letters this morning. The threatenng phone calls have already started. I have heard it all and quite honestly, highly amusing. One company told me 4 large men were heading over to my house. I advised my 4 large dogs would be waiting for them. Another is going to get me fired and yet another said they would 'make your family and friends hate you.' Um, ok. I have also filed a complaint with the State Attorney General's office, BBB, and also the NCUA as my credit union is still trying to charge me $30 NSF for each returned debit that hit after I told them to close my account. Apparently before they did so, numerous debits came in from these 4 companies and the credit union is trying to collect anohter $300.00 Attorney General told me to file with NCUA and also to call today and advise branch manager I have done so to try and get him involved. Letters are being faxed and emailed as none of these companies will give me a physical address and the one that is still owed $200 says they will not provide an address for a check or money order payment. Then like the letter says, no address, no payment!

Since they are illegal you are only morally responsible for paying back the amount borrowed. If you have paid more request a refund. Close your account and then send the letters in the "sticky" thread on how to deal with unlicensed lenders. Please do not send out the letters before securing your bank account!

After I threatened branch manager with NCUA complaint, he got on the ball and closed my acocunt, crediting me all the $30 NSF fees because the teller didn't process close when I asked for it. So, one problem down. I am having an issue with Integrity Advance. They claim to be a Delaware licensed lender and the only info I have been able to find for Tennessee laws is that if they are licensed in another state, they are legal in mine. However, I cannot find a license and they refuse to provide. I'm guessing this is just part of their game?

well just because someone claims to be licensed in a state.that doesn't mean diddly.look at the DE AG,OR DFI websites.if nothing comes up there they are blowing smoke about the license.if it does show a license then yes being in TN you would have to follow those laws,but find out first.

I can tell you that Integrity Advance does have a valid license in the state of Delaware, I found it when I was dealing with them. As for the rest I know that OneClickCash and United Cash Loans are not licensed in any state.

I did find a license listed for Integrity in Delaware. Their state bank listing has it current as of 05/4/2011. Does anyone know if any of the others are TRULY unlicensed in all 50 states: One Click Cash, United, and Multi Loan? I have sent them letters asking for proof and advising ACH auth is revoked based on template in this forum.

okay now that we established integrity is licensed in DE.however oneclick,and united are MTE and not licensed anywhere,and nether is muilt loan.those three are illegal.even in TN.btw yours is the only state with what i call"the loophole"it really stinks on ice.

Who told you that they can be licensed in any state? According to TN Annotated Code, they cannot operated a deferred presentment operation without a license in TN.

[FONT=Times New Roman][SIZE=3][quote]45-17-103. License requirement. [/SIZE][/FONT]
No person shall engage in the business of deferred presentment services without having first obtained a license. A separate license shall be required for each location from which the business is conducted.

Acts 1997, ch. 255, ? 4; 1999, ch. 14, ? 1. [/quote]

when did that come about?they were one of the states that had the loophole that if a lender has a license in any state they are legal in TN.i had no idea they changed that.SOB!

When I called Tennessee AG office last week...after being transferred oodles of times..I was told that an internet PDL had to be licensed in ANY state to be legal here. A store front must be licensed in this state, no exceptions. The person I spoke with did tell me that there was a new bill slowly making its way through Senate, but she doubted it would be voted on this term. If passed, it would place stricter laws on PDLs including net lenders, making them acquire state license here to lender to Tennessee residents. From what she told me, the above law applies to store front lenders like Check Into Cash or what not.

Got this yesterday from One Click (scroll down for message). Anyone get something like this previously? They still refuse to give me a physical address. I also received the same message, but a total of $600 from United. Same deal, come to our website and pay. Since they are both illegal in my state, I actually paid United back considerably more than I owed them in principal. They actually owe me a refund, but AG told me good luck in getting that. I told One Click I would be glad to pay what I owe from the principal but I will not give them my debit card number. They will give me an address or they can forget it as I am not obligated by law. I forwarded both emails to AG as they still have a complaint open for me against both.

Having issues with Integrity now. Had arranged a payment plan and I was to be contacted with the physical address as they are licensed in Delaware and I was told legal in my state. They never called me with address. I called them and was left on hold several times. Then got a voicemail from one of their collectors telling me that if I knew what was good for me I would call his extension back IMMEDIATELY. I did to try and get address and he refused to give me address or verify the one I found online was accurate. He advised that the only way for me to pay was by checking account debit. Of course, I refused and told them no address, no payment. That was on 5/26/11. Haven't heard from them since and they have stopped sending me emails telling me account overdue. I filed complaint with AG against them as well to see if someone can either get me an address or confirm that they are illegal in state and I do not owe. I just don't get it. You would think these people would give you a mailing address when you are offering money.





From:
"Recovery"
One Click Cash Recovery Department now holds account #7215279 which is in a collection status. According to our records, your outstanding balance is $830.00. (If you have recently resolved this account over the phone, please disregard this message.)
Most likely this loan was used to help with unplanned expenses. Keep this quick and convenient option available the next time something unexpected happens. Immediate action is required to avoid impacting your future borrowing options. We value you as a customer and would like to help you take care of this for less than you owe.




To accomplish this, we are providing you:

• A private and totally secure website for making an offer on this account for less than you owe.
  
• The convenience of making your payment(s) online.
  
• The pleasure of clearing your account without ever talking to a collector.
  
• Flexibility to schedule a payment today and not pay anything for up to 14 days.
  

i wouldn't even try to pay them until they get their head out of the clouds.you only owe 200.00 not 830.00,and their pay option is by check or debit card,and the full amount.i know this by my dealings with them.don't budge on this.if they won't accept the 200.00 and an alternate means to pay.then that's their tough luck.

Thanks for the input. That's my thinking as well. I can't figure out what the deal is with Integrity though. They are licensed in Delaware, which supposedly made them legal in my state at the time loan was taken out. I called to make payment arrangements and rep said they would call back with the correct mailing address as it is apparently not the one tied in with their license. They didn't call and I have tried to call them numerous times and keep getting placed on eternal hold. And they have stopped all collection calls and emails to me. Just odd if they are legally owed money. I filed a complaint with AG to see if they could help straighten this out.

yep it's weird,but enjoy the silence from them and wait to see what your AG says.also did you file complaints on the other pdl's as they are illegal and should be reported.

I am in Florida and have found out that One Click Cash is not legal to operate here. I have sent them 2 emails in regards to this and have not received any response other than their automated emails that is was received. I called them and they did give me an address:

52946 Hwy 12 ste 3
Niobrara, NE 68760

This is the address that is listed on the BBB site. I have sent them a letter certified mail with a return receipt requested since they have not responded to the emails. We will see if I receive any response now. The funny thing is that they have not even tried to call me either. I'll post if and when I hear from them

I filed complaints on all 4 PDLs with AG and BBB. BBB was only able to come up with one legit business and that was Integrity. They have yet to respond to the BBB complaint. And NONE of the lenders have responded to AG complaints. I got a letter last week from AG office telling me they were working on it, would keep me updated, and I would be contacted if they needed any further info. I am still getting calls from United and One Click to my cell, but calls to references and my employer have stopped. I just got 2 more emails today from United and One Click still asking me to log on with debit or cc and pay a settlement amount for hundreds over what I originally borrowed and in the case of United, paid back.

Thanks for info, Ally0703. As I mentioned before, I couldn't come up with anything from One Click and when I asked them on phone for addy, they said they couldn't give me that. Not listed on their website. AG office in Tennessee has nothing on them either, nor does TN BBB. They are still calling my cell from same number as United. They are apparently owned by same parent company, as they call from same #s and all emails have same headers, footers, just under different name. I have repeatedly stated that I will pay but not until they show me a valid license and AG can verify they were legal when I took out loans. Multi Loan has already zeroed out my account with them. Integrity stopped all communication, which is just really weird, considering they APPEARED to be only legal one. They will not respond to AG or BBB complaint or any emails. United and One Click are the only ones still in active contact. I have saved all the voicemails from them and all email correspondence in case we end up in any kind if litigation. I'm fairly certain calling someone and telling them they had better settle or else because we know where you live and work is not legal.lol

Just got complaint resolution back from AG's office, along with a letter from Integrity. They state that while they believe all handled legally and on the up and up, they will zero out my loan on condition that I never contact them again..ie, we got caught and we know we have no legal grounds to sue or do any of the other things we have threatened. TN residents, file complaint with AG office. It works!

They have been sending this letter out for years. Dont let it scare you !

Finally heard back from AG's office on compalints filed against United Cash Loans and One Click Cash Loans. Not much useful info. Laws in Tennessee changed 5/20/2011. Internet loans are now regulated. For loans taken out prior to that date through an internet PDL, those were unregulated and not much they can do to help. They sent my complaints on over to Financial Committee who advised the same thing. They also said that when they investigated websites for both, they appear to be owned by the Omaha Tribe and therefore, were not subject to federal law, which means whether prior to or after 5/20/2011, nothing the State of TN can do to help me as I 'took out a loan with a sovreign nation not subject to laws and regulations within our state government.' When I questioned what this meant to me, they really couldn't say. I was advised to seek the advice of an attorney or just 'wait and see' if lenders cause any problem for me in the future. United was paid back their principal plus $80. One Click is still owed funds and I have offered to pay by MONEY ORDER or CASHIERS CHECK but I refuse to give them access to a credit/debit card or checking account. They refuse to accept it and refuse to give me a mailing address for money order/cashier's check. So not much else to be done at this point. I filed BBB complaints against both. Of course, lenders refused to respond. Collections calls to me and my place of employment have finally stopped. I suppose I will adopt the 'wait and see' policy. Just ridiculous to end up in this mess, especially when applying through MoneyMutual.com, NOTHING was said about 'oh hey this loan is through a tribal nation where you will have no lgeal recourse.' I filed complaints against MoneyMutual as well, but nothing done there either. They responded by stating that they matched applicants with reputable and legal lenders and according to what AG told me, these lenders were legal in offering me a loan through ACH transaction at the time.

Anyone have any suggestions? Do I just adopt the 'wait and see' policy? Hate to leave something hanging but I don't see that I have much choice.

no "tribal or sovreign nation"lender can do anything as while it is true they are subject to any laws.we are subject to their laws.did you file an AG complaint?if not do so as i find the DFI trying to interpret the laws instead of just providing answers based on the laws.this place has no license period and is therefore illegal in every state.file the AG complaint and forget about going through anybody else.