Help with Payday Loan Resolution- United Cash Loans, One Click & Integrity

Yes, you have the right to get back the extra money you have paid on the previous loans. You should send them a letter requesting the money back.

I agree with what the previous poster has said. You can get information from the Indiana Department of Financial Institutions in order to know whether or not pdl companies are licensed to operate in your state. If you find that the lenders are not licensed, then you are required to pay only the principal amount. If you have already paid more than the principal amount to the lenders, then you can ask them for the refund. Illegal payday lenders can???t take any legal action against you.

since all three are illegal in indiana here is what you owe.

united you owe 40.00
one click you owe 315.00
integrity owes you 230.00 just on this loan

as far as trying to get refunded for the past loan.you can try,but all three will fight you not only on their legal status,but also the amount you owe.btw as far as the account goes.i would see the manager asap and make sure this is a debit block,and not a traditional stop payment as those never work with these places as they change amounts,names,and will even submit a paper check.plus the bank charges a hefty fee for a stop payment.i would again see the manager in person and clarify this as stop payments not only don't work,but you are charged a fee for it.

Thank you all for the responses.

I have fired off my emails today. One to Integrity asking for a refund. The other two, One Click and United, letting them know I will only pay the remaining balance on the original amount.

I will also be calling my bank today because the stops were ACH stops only.

I will keep everyone posted on my happenings.

when you are on the phone with your bank.is it the manager you are speaking with?i ask that because only the manager can hard block/close an account.whether it's in person(that is preferred)or on the phone you must speak to the manager.very important.make sure this is an actual block.

I spoke with my bank and they were willing to reverse the ODP fees cause by the ACH debits from the companies and offered to do a "Compromised" account change. Basically they will keep my account but the account number will change. Which is great because I did not want to have to close my account out after 9 years!

I tried to find the mailing addresses for the companies but it seems the addresses keep changing. Does anyone have current, confirmed addresses for them?

One Click and United I am assuming are one in the same. The United website states:
Tribal Financial Services, doing business as UnitedCashLoans??, is a tribal lending entity wholly owned by the Miami Tribe of Oklahoma,
a Sovereign Nation recognized by the United States government under the Oklahoma Indian Welfare Act of 1936.

One Click site states:
[COLOR=SandyBrown][COLOR=#999][/COLOR][/COLOR]OneClickCash?? is a division of SFS, Inc. The Santee Sioux Nation of Nebraska has established SFS, Inc. as a tribally owned lending entity. The Santee Sioux Nation of Nebraska is a federally recognized Indian Tribe, organized pursuant to the Indian Reorganization Act of 1934, 25 U.S.C. ?? 461 et seq. whose reservation is located within the United States of America.

I need to locate them to pay the money and get this done with finally! Thanks for all the help!

both are part of MTE,and affiliated.however they will never admit it and therefore keep insisting on an actual address from both,and know that the "we are a sovreign nation"line means they are illegal and basically the equal of a foreing loan.let them know you are not swayed by this fact and you will pay the remaing moneies to satisfy the principle only if provided an address to send it.

Paul, just want to make a clarification. A Relationship Manager (the people who actually have desks at the bank) should be able to help people with closing accounts, changing account numbers, filing fraud disputes, etc. Some just aren't trained very well. Tellers can't help you.

There's no need to bother the branch manager unless you run into an RM who doesn't know what they're doing :)

And, it's always better to go to you bank branch and sit down with someone so you can discuss the issue in person.

So I finally received a response from one of the company's, Integrity, whom actually owes me money. A fellow named Justin wrote:

Quote:

Continue to send them your revocation letter. They will continue to reply with nonsense. They will eventually call your job and fax some kind of payoff aggreement don't fall for any of it it is a scare tactic. I believe Integrity Advance and Nationwide Cash are companies operating out of the same office. I received the same emails from a rep at Nationwide. I actually told him to Kick Rocks he had me so mad. You have to stand your ground!! Paul already pointed out what you owe them so I would keep sending the letter and ask for an address to remit payment. I would send what I can and keep copies of it and once you sent the last payment be done with them.
Good Luck

Keep sending those letters and don't let their bogus semi-legal jargon scare you. If they were truly legal entities they wouldn't need to hide on the Indian tribal lands, or threaten you with the laws of the West Indies!

And the email chain continues with Integrity Rep Justin...

My Response:

Quote:

That is a bunch of crap you are in a state where pdl's are prohibited and you are only liable to pay the principal! I would keep sending my revocation letters file complaints send letters requesting a refund of extra monies because fees don't apply to a loan that is illegal in the first place. They are blowing smoke and its a bunch of crap. As long as your bank account is closed and your money is secured I wouldn't continue to play the back and forth with him. He is full of it and it will prove to become stressful for you so don't allow it to stress you KIM which means in short Keep It Moving!

I would just reply that you're not going to argue with him about it anymore. Reiterate that you have filed your complaints and you expect a refund of the full overpayment (current and previous loans).

If he continues to harass you, just put together a "generic" email that explains your state's laws, the amounts you've paid and the overpayment amount and request your refund. Remind him that you've closed your account, revoked ACH authorization and that you've taken measures to prevent wage assignment from going through. Remind them also that they won't be getting another penny from you and that you will patiently await your refund. You can probably use your original illegal lender letter.

Anything he sends you that doesn't offer your refund, just reply with your standard letter. If he calls, hang up. Tell the people at work any your family members and/or references that you're a victim of fraud and that they should also hang up on anyone who calls asking for you.

Hi all,

So I finally just stop communication all together with him since I was getting nowhere. I am okay to leave it at that. Although they still call, I do not answer. I guess only time will tell how this unfolds..... (to be continued)


Thanks for all the advice and help everyone!

Hello everyone,

Integrity sent me a Paid in Full letter today after I stop communicating with them. They even had the audacity to offer another loan :eek:. Oh well, I will write and try to get my refund then just leave it at that. I'm happy to be done with them!

I just got off the phone with a One Click cash rep (Shavon) at 10:03PM EST.
This is their second time calling after 9PM EST. each time I recorded the call. They say they cannot control their system. I told them politely not to call after 9pm. this lady however, I indulged.
I explain to her that I communicated with her company several times requesting an address to send the payment into. She says they do not do mail in payments. I explained to her that i would not provide my information electronically to her company. She says the company guidelines state it has to be paid electronically. (scoff)
then she goes on to try and speak all this lingo. "I am an auditor in the recovery department and if this is not paid it will be considered stealing and we will proceed with escalated attempts to recover the funds. if the COURTS decide to....."
WHOA WHOA WHOA, did you just say Court Shavon? Like the US legal system? So your company is refusing to take payment from a customer and now your saying this is going to end up in court? Shavon, what is your company's license number in the state of Indiana?" -SILENCE- Shavon?
"Ma'am we follow federal guidelines and when you sign the agreement......"
Shavon, what is your company's federal loan license number?
"Well ma'am I can see you do not intend to handle this debt."
Shavon I have explicitly stated several times that I am completely willing to pay this amount. i have not disagreed with the balance due at all. I have expressed my concern with your company's handling of my information which is why I will not pay electronically.
"Ma'am this line is recorded and I will mark this account as a refusal to pay..."
Shavon, you are calling me after 9PM which is illegal. I have explained to your rep previously that Indianapolis is not central time, yet no one has even corrected that information. Yet you want me to give you more confidential information for your company to handle. i am not refusing to pay anything.
"Again, the computer shows your time as being Central Time and is automated."
Shavon, if you google the current Indianapolis time, you will see we are Eastern time as I explained to the previous representative. You are in fact violating Federal law now by engaging in this call. And no worries because I am recording this call.
"Well maa'm I will mark the case as refusal to pay since it obvious you do not want to take care of this payment. Good night"
- The plot thickens. I have previously contacted a pro bono consumer attorney. I will touch bases with him tomorrow to see what we can do with this. Hopefully we can sue Shavon's company in Nebraska.
Will continue to post updates-

So guys I did some more digging after the latest phone call and came of with the name of the owner/affliate of the OCC call center, Scott Tucker. The call center is located at

OCC, Ameriloan & others (CLK Management/AMG Services)
10895 Lowell Ave.
Overland Park, KS 66201


This infomation is posted at:
http://webaccess.sftc.org/Scripts/Magic94/mgrqispi94.dll?APPNAME=IJS&PRGNAME=ROA22&ARGUMENTS=-ACGC09489981.



Superior Court of California, County of San Francisco
Case Number: CGC-09-489981
Title: KATHRINE ROSAS VS. USFASTCASH et al
Cause of Action: BUSINESS TORT



JUL-26-2011 DECLARATION OF DON BRADY IN SUPPORT OF MOTION TO QUASH PLTFS NTC OF DEPOSITION OF SCOTT TUCKER,DON BRADY, AND TOM GAMBLE; THE MOST QUALIFIED PERSON AT AMG SERVICES INC.; THE CUSTODIAN OF RECORDS AT AMG SERVICES INC.; AND REGUESTS FOR PRODUCTION OF DOCUMENTS FILED BY DEFENDANT USFASTCASH UNITED CASH LOANS SFS, INC. D/B/A PREFERRED CASH LOANS AND ONE CLICK CASH ("SFS") WHICH IS A WHOLLY-OWNED ENTITY OF THE SANTEE SIOUX NATION MIAMI TRIBE OF OKLAHOMA AKA MIAMI NATION OF OKLAHOMA MNE DBA AMERILOAN, US FAST CASH AND UNITED CASH LOANS AND SANTEE SIOUX NATION OF NEBRASKA MIAMI NATION ENTERPRISES AKA "MNE" AMG SERVICES, INC.



Seems this has been an ongoing court case with the State of California. also you can read about the scum owner here: http://en.wikipedia.org/wiki/Scott_Tucker_(racing_driver)

He has his own Wiki page and look, he's a race car driver! Don't have to worry about where all those interest fees are going now! It's a wonder no local television station has gotten a hold of this to do some inside review.

Can someone direct me to information backing up the claim that Ameriloan, which is tribal owned, is not exempt from my states payday loan laws.  Everything I have been able to find indicates that tribal sovereignty  pretty much makes them exempt from the state laws.  If anyone has any information as to whether or not they can take me to court thru their tribal court or whether they have to go through my state, I would appreciate it.   I have filed complaints against Ameriloan and Eastside Lenders with my State Attorney Generals Office, the Ky. Finance Dept. and Better Business Bureau and the Federal Trade Commission.  I need some hard facts backed up by written regulations or articles ... not trying to be difficult just need absolute facts.

The above are all under MNE Services, Inc, try emailing 500fastcash, go to web site and get email address. Email this: If you live in California.

To Whom it may concern,

This is to notify you that you are no longer given consent to withdraw funds from my account. You are and have been since Aug 22nd 2006 under a Desist and Refrain Order for violations of section 23005(a) of the California Financial Code. I will not pursue any other legal matters as long as you refrain from withdrawing anymore funds from my account. If you do than I will begin a law suit.

Your Name
by direction of my Attorney.

I am new to site.  Ameriloan is  illegal in Indiana as are all tribal sites.  I called IDFS and confirmed it..