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United Cash Loans no response

Date: Tue, 06/18/2013 - 09:08

Submitted by momtoautistic
on Tue, 06/18/2013 - 09:08

Posts: 30 Credits: [Donate]

Total Replies: 16


United Cash Loans sent me this initially in response to my email regarding ACH Revocation and stating that their loan was illegal in MT.

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 they were received, during normal business hours. Processing hours are 8:00AM CST to 3:30PM CST.


However, that was five days ago and I have not heard from them since. They have been calling (and I don't answer) . Do I send them another letter or continue to wait?


I'd keep resending the email. Did you tell them to only contact you via email? I did when I dealt with them but they never responded to me just kept calling. I finally answered and was able to work out a plan with them. They were relentless though on the calling. Run my battery down they called so much!! I had paid principal and initially refused to pay anything else but finally gave in and paid the fee which was 90.00. They tried to get me to pay 180.00 but I told them to take the 90.00 or leave it, that was all I was doing. They took it and went away.


lrhall41

Submitted by on Tue, 06/18/2013 - 10:32

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so you paid them even though you owed nothing.you see that is why they use the tactics they use.to wear people down.i would hold out till hell froze over before paying these and any other illegal more thn they are entitled to.


lrhall41

Submitted by paulmergel on Tue, 06/18/2013 - 10:52

( Posts: 15514 | Credits: )


yes, I sent them the letter as recommended on this site. I was explicit in the only communication being through US Mail or my email; as well as not contacting any of my references or employer.

Ironically, not a minute after resending the email to them which reiterates contact through email or us mail only, I got a PHONE CALL on my cell -which I did not answer. It was United's "compliance" department offering me a settlement which she did not specify in the voice mail. She said she'd send it via email.

They can take any settlement and shove it. I'm paying principle only.


lrhall41

Submitted by momtoautistic on Tue, 06/18/2013 - 10:57

( Posts: 30 | Credits: )


I originally borrowed 300.00 and the fee was 90.00. I could have held out I know, but I got sick of the phone calls and finally just paid the 90.00. It was worth it to get them to stop. I had other pdl's that I only paid principal but yeah they wore me down but it was my choice to just pay it and make them go away. I just wanted some peace and quiet and 90.00 was a small price to me. Just saying.


lrhall41

Submitted by on Tue, 06/18/2013 - 12:35

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This was the offer from the 'Compliance Dept'. . . my loan amt was 500.

The loan agreement you entered into with United Cash Loans was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian Tribe. As a federally recognized Indian Tribe, the Miami Tribe of Oklahoma is a sovereign, just like the state of Montana. As such, the loan agreement is a valid agreement under the laws of Miami Tribe of Oklahoma and is governed by the laws of the Miami Tribe of Oklahoma.

Please see the attached settlement offer

Balance Due: $650.00


This letter is being sent to you as an offer to settle the above referenced account. United Cash Loans is currently offering $650.00 split into 4 payments of $162.50 as a settlement in full on the above noted account.



If you want to take advantage of this limited opportunity, please call one of our representatives today at our toll free number 1-800-394-3757 Ext 282 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@unitedcashloans.com. Payment must be received by United Cash Loans no later than the close of business on July 5th 2013. Payment must be made via ACH and or the use of a debit/prepaid card by the above date, or the offer will be considered null and void. This is a limited opportunity and contingent upon the clearance of your good funds. If you would like United Cash Loans to automatic debit the amount, please give permission via email or call us at the number provided.



Upon clearance of the above noted funds, an email will be issued as verification that the above stated amount was received, has been cleared and is accepted as settlement of the above account. There will remain no further outstanding obligations pertaining to the account.



We take pride in assisting our customers to resolve their situations. Please call one of our representatives today to take advantage of this limited opportunity, please call our toll free number at 1-800-394-3757 Ext 282 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@unitedcashloans.com.







SETTLEMENT OFFER

Payment(s)


Amount


Due Date


Method of Delivery

1


650.00


07/05/13


ACH/Debit


lrhall41

Submitted by momtoautistic on Tue, 06/18/2013 - 12:51

( Posts: 30 | Credits: )


@ momtoautistic - I would remind them again mail or email only if they continue to call - and the settlement may have been for the principal balance only.. most of the illegals once you know they are send you a settlement offer for what you still owe on principal only broken in to several payments. But, remember it is in your court when you pay and how much - I recommend paying only via money order - but until you get them to agree to principal only in writing send them nothing..


lrhall41

Submitted by HelpinAZ on Tue, 06/18/2013 - 12:55

( Posts: 1870 | Credits: )


What have you already paid to date on the $500 originally borrowed? Remind them that you never came to their tribe in Oklahoma and that they must be licensed to lend in your state of MT. and that you will only repay principal borrowed minus any thing already paid to date - if already over paid then demand a PIF and if you still owe some lay out what your plan is - remind them also that you will be paying via money order only and if they don't agree to your terms then they will get nothing and if they turn over to collections you will merely C&D them due to attempting to collect on a null and void loan.


lrhall41

Submitted by HelpinAZ on Tue, 06/18/2013 - 17:55

( Posts: 1870 | Credits: )


This is one of the few that nothing had been paid yet at all. I'm still not paying a dime over the 500, though. Thanks, nice to know I'm not alone. :)


lrhall41

Submitted by momtoautistic on Tue, 06/18/2013 - 17:59

( Posts: 30 | Credits: )


Just remind them that you are willing to pay the $500 - lay out the terms you can live with - and tell them you will be mailing only via money order - not to contact you or your references or your employer by phone - US mail or email only, period.. and the rest from above - when the agree then you pay! If they don't well then - they get Nothing!!

And you are never alone...


lrhall41

Submitted by HelpinAZ on Tue, 06/18/2013 - 18:06

( Posts: 1870 | Credits: )


Got this response today in regards to my sending another email yesterday telling them what was suggested here.

Per the fact that we are tribally owned, we are not required to have a license. As stated below we may settle this account for $650.00 split into payments, starting on July 5th as a courtesy.

Thank you,


lrhall41

Submitted by momtoautistic on Thu, 06/20/2013 - 08:38

( Posts: 30 | Credits: )


tell them to shove it.respond like this:

since you are tribal that makes you illegal,and you are lucky to get the 500.00 so can the couretsy.you are getting nothing until you accept the 500.00

respond just like that.


lrhall41

Submitted by paulmergel on Thu, 06/20/2013 - 08:55

( Posts: 15514 | Credits: )



We will accept the payment of $500.00 please mail your payments to:



United Cash Loans

3531 P Street NW

PO BOX 111

Miami, OK 74355



Thank you,
United Cash Loans Compliance


lrhall41

Submitted by momtoautistic on Wed, 06/26/2013 - 09:08

( Posts: 30 | Credits: )