Is United Cash Loans not licensed to lend?
Date: Thu, 04/13/2006 - 13:55
Submitted by Not so Lucky
on
Thu, 04/13/2006 - 13:55
Total Replies: 113
Naw, I can just google the heck out of anything:) It's all righ
Naw, I can just google the heck out of anything:) It's all right there for anyone to see.
I sent a recovation letter that I saw on the forum to United Cas
I sent a recovation letter that I saw on the forum to United Cash loans last night, and this is the response that I received from them.
Your account will be placed in a do not loan status and if you have paid back the amount that was advanced to you there will be no further collections. Additional information on your account will be forwarded to you next week.
Compliance Department of United Cash Loans
I also just emailed them a letter. I have paid them more than I
I also just emailed them a letter. I have paid them more than I should have. Enough already
Erzeke, Did you e-mail United? I've sent them three differen
Erzeke,
Did you e-mail United? I've sent them three different e-mails with no response. Can you pm the e-mail address you used? Polly, how did you find out their parent companies name? You are awesome :)
I also have had a loan with United Cash and I know they debited
I also have had a loan with United Cash and I know they debited my account over $1000 for a 500 dollar loan. I live in Virginia and know this pdl is illegal. I haven't heard from them since I put a freeze and stop payment on my checking account. Should I send them a letter also? or are they laying low and then send me a big collection letter? I want a refund too. I know Polly you and I have been pm each other about this.
Oh2benc2: Write to them and tell them they have no license to o
Oh2benc2:
Write to them and tell them they have no license to operate in your state or theirs!~
You want in "writing" your account is paid in full!
Did anyone hear back from them yet? I didn't and wondered if an
Did anyone hear back from them yet? I didn't and wondered if anyone had?
I am pushing the issue on these crooks. They are unlicensed and
I am pushing the issue on these crooks. They are unlicensed and unethical and extortionists.
Good luck with United cash..i have been trying to contact them s
Good luck with United cash..i have been trying to contact them since February. I paid $350 on a $200 loan. I don't go through T&C, I do it myself, and I sent them my proposal letter with a $50 payment to the Carson City address. I have since found out that they no longer use this address, the Ok address is a phony, and they don't return messages. I have faxed, emailed and called. I only owe $100. If I could find a way to contact them, I would send them a letter saying they need to consider my account paid in full.
They are unlicensed in Oklahoma, Nevada and in just about all st
They are unlicensed in Oklahoma, Nevada and in just about all states. They don't answer emails or faxes until someone like consumer protection or AG offices gets involved. They send the same letter for each response. It is like they have photo copies sitting around and just slap them into an envelope and when they need to send one, they drop it in the mail. According to the BBB site United Cash Loans is no longer accepting mail at the Carson City Address.
So if they aren't accepting mail and the OK address is fake why
So if they aren't accepting mail and the OK address is fake why should we pay them anymore. I'm going to try to fax them this week and see what happens. This place is a scam and we need to fight back.
Sue, I went into ripoff report and did a search on loans and
Sue,
I went into ripoff report and did a search on loans and they are scamming people right and left. They have as many complaints on there as Sonic does.
I have paid United Cash loans I know over $1000 for a $500 loan.
I have paid United Cash loans I know over $1000 for a $500 loan. I haven;t heard a word from them since I put a stop payment on my account and I don't know if they accepted T&C proposal. Should I be worried that I haven't hear from United? I am sending them a letter this week stating my loan should be paid in full with as much as they wirhdrew from my account. Count me in if you guys are going to pursue United.
Go ahead and send them a letter showing how much you have paid t
Go ahead and send them a letter showing how much you have paid them and state in the letter about them not being licensed in your state, Nevada or Oklahoma. Also, include whom you have filed complaints with against them.
Thanks. I am working on the letter at home. Have the Virginia la
Thanks. I am working on the letter at home. Have the Virginia laws in the letter. I need to set down again with my bank statement and figure out the payments United took out.
Count me in also. These people are something else. You know, I d
Count me in also. These people are something else. You know, I don't even know how I ended up with a loan from them. At the time I got it I wasn't even looking for anymore loans..they sent me an email telling me they approved me for $200 and the money was in the bank the next day. I should've sent it back, but I was in the middle of payday loan hell then, and the money was welcome. I'm sure they got my info from another lender. This stuff really gets scary. I'm all for taking them down.
I know they have responded to some people but they have not resp
I know they have responded to some people but they have not responded to me yet. I'm sending them one final e-mail tonight to state that I'm going to file complaints against them and see where that goes.
I just sent off the e-mail, I will fax them again tomorrow. Tha
I just sent off the e-mail, I will fax them again tomorrow. That is going to be it and then it's time to file complaints. I will have to check out the ripoffreport site again. Great, we have another Sonic on our hands? Not good. :x
Well, I received another collection letter from United Cash Loan
Well, I received another collection letter from United Cash Loans. I am going to send off a round of complaints against them next week. I am tired of dealing with these idiots since they can't respond to any correspondence I have sent to them. I have overpaid them too and now I want some of my money back.
I had gotten an email from 500Fast Cash and US Fast Cash saying
I had gotten an email from 500Fast Cash and US Fast Cash saying my account is paid in full zero balance and do not loan status. I am surprised ( didm't get one from United. Sue I pmd you my email address yesterday. Could you email me the letters you sent out? I have Quick Payday with T&C and they want $100.00 a month for 6 months the amount I owe them and I had paid them $300 before I put stop payment and a freeze on my account. I also have Worldwide Cash, AIP, National Cash with T&C. Thanks for everybody's help!! Polly I was going to use your letter but it is very long - will those pdls read all of that? Here is a letter I wrote:
It has come to my attention that your company is not licensed in the Commonwealth of Virginia, (A licensed Virginia Lawyer check on this) A Virginia license is required to all payday lenders loaning to Virginia residents regardless of the location of the business. As such, I was not legally permitted to enter into the loan contract with you, and based on advice of counsel and an opinion from the Florida Attorney General's office, our contract is not valid. Therefore, i am immediately and permanently revoking my authorization for you to debit my accounts.
Additionally, I am requesting that you immediately place me in a do not loan status and mark my account paid in full/zero balance due to the fact that our contract is illegal in the Commonwealth of Virginia.
I expect your affirmative response within 24 hours of receipt of this email or I will request the assistance of the State of Virginia in seeking injunctive relief from the contract.
Oh2benc...nice letter, but the part about the attorney general's
Oh2benc...nice letter, but the part about the attorney general's office should say, "Virginia Attorney General's Office"
LOL...that's ok..that migh light a fire under them anyway!
United Cash Loans charges 651.79% on $300.00 loans. They have f
United Cash Loans charges 651.79% on $300.00 loans. They have forgiven the loan and now saying we still owe $220.00. How in the world do they figure this. From the way I see it, they owe me and alot of other people some money.
Tammy, they forgave your loan and are now stating you owe them a
Tammy, they forgave your loan and are now stating you owe them again? Geez. I would keep fighting them.
Thanks erzeke1, I'll change to that and send it out maybe it wil
Thanks erzeke1, I'll change to that and send it out maybe it will work.
Yep they forgave it in writing in the response to the Attorney G
Yep they forgave it in writing in the response to the Attorney General. Now they are stating that we still owe $220.00 and I refuse to pay them. They have enough of our money.
Didn't the same thing happen to someone else? If you have it in
Didn't the same thing happen to someone else? If you have it in writing then too bad for them.
Tammy, Did you file your complaints online against United wit
Tammy,
Did you file your complaints online against United with the Attorney General's office in Nevada or did you have to mail it in? I'm tired of dealing with these crooks myself.
I sent them certified mail with return receipt. I am so tired o
I sent them certified mail with return receipt. I am so tired of them. I also have contacted the Oklahoma Consumer affiars and they seemed very interested. I refuse to pay them more when I have in writing the loan is forgiven and marked paid in full. I wish we had never taken a payday loan.
I'm going to be mailing complaints to Nevada this week against U
I'm going to be mailing complaints to Nevada this week against United Cash Loans. I have proof of my certified letters to them, faxes to them, and e-mails to them. Yet, they are not responding to those but keep sending me collection notices. If they were a legit company, why would they be sending a collection notice via e-mail? I will also be filing complaints in my state against them.
From what Ari has posted they are in violation of the fdcpa for
From what Ari has posted they are in violation of the fdcpa for sending collection letters via email. Today I sent them yet another letter and requested a notification that they received it and opened it. I got a response back from the server that stated, .net 004: You have asked to be notified when this e-mail message was delivered, but the e-mail message has been sent to a destination mail system that does not give that notification. As a result, it is not possible to determine when the e-mail message has been delivered. So that tells me that they have their system set up to where we can't find out if or when they opened it.
Thanks for the extra info Tammy! I didn't know that collections
Thanks for the extra info Tammy! I didn't know that collections letters couldn't be sent via email. Makes sense, because it could be a violation of privacy.
More ammunition against them.
Ari wrote: [/quote]Quote:Hold on just a sec! They can't collect
Ari wrote:
[/quote]Quote:
Hold on just a sec! They can't collect debt via e-mail! It's a violation of your privacy rights per the fdcpa. Tell them to pound sand. Here it is set4sail they are in violation by sending the email. |
lol it figures she had even replied to me. I must have missed th
lol it figures she had even replied to me. I must have missed that response. HMM more info to include in my complaints.
Wait, since it's under the fdcpa, that applies to collection agencies. The original creditors don't have to abide by the collection limitations of FDCPA.
But I'll check into it.
the language isn't specific in the fdcpa as to emails or not. I
the language isn't specific in the fdcpa as to emails or not. It merely says an attempt is considered complete once mailed. doesn't mention anything about the validity of the transmission through email.
the language isn't specific in the fdcpa as to emails or not. I
the language isn't specific in the fdcpa as to emails or not. It merely says an attempt is considered complete once mailed. doesn't mention anything about the validity of the transmission through email.
Tammy, what would you do? I have been threatened continuously wi
Tammy, what would you do? I have been threatened continuously with imprisonment, being sued, etc. from Ambassador. I have accrued over 700 in fees from my bank for all their overdrafts (which I feel i shoudl be paying off first) they actually debited my account over 7 times on May 15 even after receiving revocation of authorixation on April 13th. I sent them a letter citing the Illinois Payday reform act, to which they replied that I knew their interest rates before entering into the "contract" and if I don't pay back the amount they say they will sue me. I get a letter today indicting that they will now settle for 585, if they receive the money by 5/31/06. this was my response:
I cannot pay the total amount to you in one lump sum. I will be able to enter into a payment plan with you. Since I revoked authorization for your company to debit my account, I incurred over 700 in fees to my account. I found out last weekend you attempted 7 debits on May 15, 2006 alone. Unfortunately, I must now make payment arrangements with my bank account, and have been speaking with the Illinois attorney general in regard to your business practices and your threat of imprisonment, which I know to be just that, a threat. Civil matters do not involve imprisonment. My constant willingness to make payment arrangements with you, and your lack of cooperation regardless of my attempts, along with all of your continuous debits even after revoking your authorization to debit my account, even while in the midst of discussing my account with you, the Illinois attorney general, will find your practices and business ethics clearly unreasonable and borderline harassment and abuse. As stated before, I cannot make a total payment of 585 to you on 5/31/06. I have to pay back all of the insufficient funds fees that were accrued by your company's unauthorized debits. I will be glad to discuss a reasonable payment plan with you.
I am filing my complaint with the attorney general today. Do you think I can shake them down? do they even have the ability to serve me with a summons and complaint being as though they aren't licensed in Illinois?
Go after them with everything you have. Go to your bank and show
Go after them with everything you have. Go to your bank and show them where you sent them the revocation letter and ask them to reverse the illegal debits. File your complaints with the AG in your state and also file with the Consumer Protection in your state also. Did you send the revocation letter certified mail? If so, take the receipt in to the bank also. They will not sue you, arrest you or anything else. This is a collection tactic. Please pm me with more info and we will see what we can come up with reagrding the matter.
Xris, here's what I would do. Send them a payment (whatever you
Xris, here's what I would do. Send them a payment (whatever you can afford) money order or certified check with your response via certified return receipt mail along with a letter to not contact you except via regular mail, don't argue with them on email or the phone. Pay what you can, no more. They may turn you over to collection but I doubt it. They refused to work with us also but they finally worked with our debt management company and we paid them $75 per month until it was paid off. Don't back down, but again don't argue with them via email or on the phone. File the complaints and go from there. Good luck!
Useful Info regarding United Cash loans
If United is in fact affilliated with Rio Resources, LLC then here is what I know...
I contacted the administrator for the Oklahoma Department of Consumer Protections over a payday loan company operating as MTE Financial, DBA Rio Resources. They are/or were locted in New Mexico but are also located in Miami, OK. According to the information I recieved from the Oklahoma Dpt of Consumer Protection, they have had many complaints. Problem is....they are Native Americans and operating on Indian land under tribal sovereignty which exempts them from state laws. I was told some experts were being called in to investigate these complaints. This explains why their contracts are so illusive and only request that you agree to abide by the laws under which they are goverened. They do not disclose that they are under tribal law and exempt from state laws. Very sneaky. You would think a Federal law (they have to abide by these) would force tribes to inform consumers that they are in fact operating under tribal law. This is where they try to get you..they word their contracts to make you believe they are operating under SOME state law, not tribal which is completely different and very difficult to navigate legally. Thought everyone might need to know this. Sucks that they can be so sneaky and use their sovereignty to trap unsespecting consumers. Because the Fair Credit Collection Act is Federal Law...they do need to abide by this. If you are involved with a company that you suspect may be Indian owned, I would check with your AG in the state you live in to see what they suggest you do. I have no problems with doing business with Native Americans, but I do not think they should be able to use "sovereignty" and immunity to blatantly decieve consumers. This has to stop and our laws need to change and demand that sovereignty be disclosed to consumers and that consumers be made aware their state laws are unable to protect them in the event of a breech.
P.S. I don't know if they are connected, but strongly suspect that they are.
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You can check with the licensing authority in Texas for informat
You can check with the licensing authority in Texas for information about United Cash Loans. I guess they are not licensed in Texas.
Please confirm with the Attorney General of Texas for accurate information.
polly is united cash loans liscense in the state of Tenn
polly is united cash loans liscensed in the state of tennessee?I have paid on my 250.00 loan for about 8 months now to the total of about 800.00 or more.what can i do.
Sarah, United Cash Loans is part of MTE and they are not license
Sarah, United Cash Loans is part of MTE and they are not licensed anywhere . They are very illegal. You need to close your checking account asap so that they can no longer debit your account. Closing your account is the onky way to get them to stop.