GFSIL Payday loan company - real people discussing

Boy, if THAT isn't in violation of fdcpa, I don't know what is! Not that these companies even attempt to follow the FDCPA, anyway.

Jenn Welcome to the forums. Go to paydayloaninfo.org and look up your state laws on payday lending. Also get the Attorney General office involved. File those complaints. The more the better. When are these vultures going to learn they cant break ever law in the book? KYSIDE38

grr just typed a whole long question that never got posted. How do I stop these people from calling my BOSS - I've paid them what I LEGALLY owe them...they still want more money and are hassling me at work which is causing a huge problem plus being embarassing!

I recently used this company and went through a similar issue with them. I will never use them again! They claimed my bank said they had an invalid account # but when I investigated further with my bank and received print outs the error was on GFSIL'S side. So for a $200 loan I ended up paying $435. I used another loan company at the same time and did not have this experience.

I got a loan from this company last month for $200.00 and I was told that the $200.00 including a $50.00 dollar fee would be debted from my account on the next payday! When I check to see if the company had debuted the money, instead I found that they were charging me an $80.00 fee every two weeks for an extended loan that I never asked for! If I were any of you, I wouldn't do it! Do not trust this company! This company also sells your information ( account number, social etc to other loan and creditcard companies! I learned this when there was a $100.00 debut from my checking accout and when I called the lost management team, they informed me that this company had been doing this to lots of other people!

I understand what all of you are going through. Just in the last few days of checking my bank account, I realized that GFSIL had debited my account way more than what I was supposed to have paid. I added up all the withdrawns that they did and it came $758 for only a $200 loan. Plus, I have $325 worth of overdraft charges from them always charging my account. They seem to charge you at 2-4 times a month. I have been having trouble getting a hold of the company. Everytime I call the number (775) 324-8569, which is on my bank account, a message tells me to call (800) 680-2177. When I call that number, they tell me that they have no information on me at all and the company is Cash Today. I need to find out how to get my money back from them. Something needs to happen to where this company will stop doing this.

You should file a complaint with your state's Attorney General's Office. Have you tried disputing these debits with your bank to get the money back? This company is also Rt. 66. I know Cash Today is another one of their dbas. You need to block them from your account, give your bank all three of their dbas: GFSIL/GFS, Route 66, and Cash Today.

I saw the e-mail below and acted as if I had this conversation and it worked.

Hi, I saw your post about GFS. I too have a loan with them that just went in default on Thursday. I called them before hand and told them it was going to bounce and they said I woud just have to wait for a collection call. Well, today I received an email asking me to call them. I did so and explained to the woman my bank closed my account so how could I pay the loan off. She told me the same bs about how they did an electronic transfer into my acct and had to take it the same way. She asked if I could give her a family member or a friend's account number, I laughed! Anyway, she finally said ok, I see your account has always been good, send me a MO to this address: 1005 Terminal Way, Suite 110, Reno, NV. 89502. She said for me to fax her a copy of the money order to 877-280-2330, write my ss# on it and attention my fax and my payment to Mrs. Shaw. If you really want to send them a payment, call up & act like you had this convo with her & verify what you need to send. You never know, it may work! Good luck

I learned a great lesson no more internet payday loans. I took a $200.0 loan and ended up paying $555.00 in a money order to them.

Never Again!

I truly wish that I did my research before getting a loan through these loan sharks. They have been taking money out of my account since July but it stops today. I'm taking it to the news so others will not be affected by them. :twisted: I wish all of you the best in handling your situations and pray that we will never have to use another payday loan again. God Bless.

They left this number on my voice mail:
1-877-280-2343.

Is this company allowed to do business in NJ dose anyone know?

No, pdls are prohibited in NJ. But this company is located in the UK so they think they are untouchable. They have call centers in NY. If you have a loan with them and have overpaid the princpal and legal interest I would just be done with them. Just know they are going to call and harass you with all sort of HYSTERICAL threats such as fraud and arrest. Think about it, they would have to extradite you to the UK over a defaulted pdl for what, about 2-300 dollars? LAUGHABLE. If you have defaulted just be prepared for the outrageious threats.

Yes I had defaulted. I never should of did that loan!!! They called me one day and said that I was approved for a loan, so I was short on cash and my dum A** took it. I never sign any papers. It was all do by the phone. I had to speak my full name. I guess that is their form of signing forms. LOL Will they put it on my credit report as a jugement?

I doubt they would put in on your credit report, and if they did, you could dispute it. They would have to show proof to the reporting agency of the loan, and they don't have your signature. In the US, they have to have your signature, and the apr must be WRITTEN on the loan. See the Truth in Lending Act.

This company has no legal way to obtain a judgement against you.

Thanks for the info. Also I found alot of cool info only through the FDIC wed site with payday loans. I will post it in a new thread I'm going to do.

Global Financial Services International Limited is a payday loan company. They keep calling my work and threaten myself and my employers, telling us we will go to jail, lose our jobs, etc. I took out a $200.00 loan in December in which they have deducted more than the amount owed from my checking account. Now, I have had issues with my checking acount and they can't get anymore money from me. So, they continue to call relentlessly and are quite ruthless and extremely rude!
Someone please tell me how to make the calls stop! I appreciate your advice!

hey guys gfil is calling my job my house they say they are sending the law to my job if i dont pay i dont know how to get rid of them what to do two others are calling i dont know what to do. so one tell me what to do about these people please. they are they only one harrasing me.

They will eventually stop. And NOBODY is coming to arrest you, they are lying. They are in the UK and they aren't sending anybody to arrest you because you didn't commit a crime. They are only trying to scare you out of your money.

Laverne--

Was your loan for $200 also? How much have you paid in rollovers?

I am dealing with this company as well...I found that the only way to get them to leave you alone for a few days is to be nasty right back...Hate to be like that but they come up with some serious threats....the one guy told me I was gonna loose my son...Ok right...Anyway, they are completely illegal and think that they are untouchable...but I am reporting them to the OH Attorney general.

I told them that I was calling Homeland Security on them as they said they did not have to follow the rules of any state in the US and they were making threats against me. That was in the beginning of January and I have not heard from them since. I did file a complaint with Homeland Security as soon as I got off the phone with them.

I am hoping it doesn't go that far with them...but they are pretty aggressive. I know they have gotten all my emails and all my faxes and all my letters...so they are just ignoring them at this point to be jerks...How do i file a complaint with Homeland Security? I really want them to leave me alone-They have gotten over $500 from me on a $250 loan...so I don't feel like I owe them anymore money...

I went to the Homeland Security home page and they directed me to: www.ice.gov. I emailed them about gfsil in regards to Ciber Crimes. I wasn't sure if i fit this catagory, but I figured it was worth a shot. I haven't heard back from ICE as yet, but they say on their web site that it takes a while to investigate. But on the other hand I haven't heard form gfsl either.

They are so obnoxious...I just got done filing my complaint to the attorney general...I am so fed up with these people...URGH! Thanks for the infor

i owed one more pymt. I had to be two weeks late so called 1-877-280-2337. they were going to charge me $100 but nego. with lady and she onnly charged $60. must have been lucky day

i found a phone number 8772802343 or 8772803359 also if you can block your # out please do so.

n/a, are you saying when you call to block your number from showing up on caller id? Sorry if I do not understand what you are saying.

And lphillips, I would say you must have been having a very lucky day if that is the resonse you got from this company when unable to pay on time. Or maybe she is new and wasn't paying attention to GFSIL training. These people are ruthless. But I'm glad to hear you had some luck with your situation.

I was under the impression that i could pay it off or make payments now they have $400 on a $200 loan and trying to tell me i still owe like $600. Tried to make them see it my way but they dont care. Keep calling me at work and seems like they dont care if i get fired for them keep calling me. And i will not answer my cell phone when they call it since it is a international #. What kind of florida laws are there for a place like this?

James

Yes GFSIL has caller ID! They can also get around your own caller id...For example at work we have caller id and instead of it coming up as their international number somehow they make it so it comes up incoming local call....

Honestly - GFS Can't do squat if you don't answer the phone! I had (have) only 2 PDLS, and GFS calls me everyday. I just ignore them....or hang up on them when the call me. I think I'll start sending them emails, should I?

Hello! I currently have a loan with GFS... well technically I shouldn't have a loan with them since I have overpaid them 5 times what I borrowed and they insist that I still owe them more than what I took out. No joke... I have been paying on this loan for 9 months and I can't seem to find a way out of it. I feel like the only thing I can do is to close my bank account and open a new one but then I am afraid they will start to harass people like my boss (which I totally don't need!). The people there are rude and I have sent them emails telling them they are not authorized to take out anymore money but they still do. I don't think they ever use the same "code or number" when they draft the payment because I have asked my bank several times to stop payment and they still manage to get the money out.
I finally filed a complaint with the Better Business Bureau because I am tired of them doing these things to people who just need a little help. They dont' help... they only make our situations worse.
Anyway, I was wondering first, if anyone has any suggestions of what else I can do to make it all stop and secondly, if anyone knows what time they calls from businesses can legally be made to a consumer?
If anyone knows anything, I would really appreciate the help. Thanks!

File a complaint with your Attorney General...Once I did that and they sent me a letter stating that they had received my complaint-I didn't hear from them
They have numerous DBA's so if you block GFSIL they send it through another way. They will start to send in 20 different drafts on the same day(this resulted in my owing my bank over 2 grand and my bank will not assist me in any manner) By law they can call from 8am-9pm in your time zone. And they will call numerous times. And yes they will start asking to speak with your boss. You need to send GFSIL a letter revoking your voluntary wage assignemtn as well as a revocation for them to continue drafting you bank account. Then you need to send a copy of that revocation to your payroll department. By law your employer cannot give them any personal information about you to them. I went and spoke to my boss personally.

I got phone calls on top of phone calls at work from these people. I was off work for a few days and they told MY SUPERVISOR that I was approved for a $200 loan and that I should call them.

So when they called when I was there I was livid. I told them I did not appreciate them calling me at work and that it was a violation of privacy for them to tell anyone but me anything, especially over the phone, because how could they know it was me?

Here's the kicker ----- they tried to verify my SSN with me to make sure I'm me, but THEY were reading it ALOUD!

I cut them off after the first 3 numbers (which, yes, were mine) and told them again, how did they know I was me and to please stop calling. They said they would not stop calling until I verified my SSN. I told them no because they had no legal right to get me to give any personal information over the phone and if they continued to call me I would press harrassment charges.

I listed off my work number and my cell number (I don't have a home phone) and told them if I heard from them again I would contact a lawyer.

I haven't heard back... yet. Its been about a month and a half.

Here's hoping. I still don't know how they got my info.

I will file a complaint with the Attorney General then. While I am filing the complaint about them stealing my money, I will also let them know that they called before legal calling times. I received a call from GFSIL at 7:43 one morning... Yep, I saved the message. Now if I could just find a document to back this up.
I just can't believe that a company is allowed to do this to people. How can you pay nine months worth of payments and still have a balance higher than what you started... it is so incredibly frustrating. I have had one or two other payday loans but they didn't do this to me... sure I overpaid them as well but it only went on for a few weeks. And I am sure that some people would say just pay the balance but I feel like if I pay the balance that I am just telling them it is okay to keep doing this too people. GRRRRRR!

Stand your ground with them! They are the worst! They have harrasse the hell out of me. told my mother i was going to jail, told my father i was being investigated for fraud(i dont even live with my parents) They think they are above the law and the only way we are going to get them shut down is to file our complaints!

Hi,

I have been dealing with them myself. I have sent them a letter also stating that I have pd them over $400 on a $200 loan, and to mark my account pif. After sending the letter I received a phone call as well, stating that I have missed all of my "processing fee". Which I have not missed any fees since I have had this loan since December. However they at GFS or GFSIL has no record of my payments. Funny cause I have my bank statement of every single debit they have made from my account. Which I did fax to them and was suppose to receive a return call. Which I have yet to receive a call regarding my bank statement. However I did receive a call for an agreement for my to pay them $270 by this Monday via Wester Union. I keep asking them for their finance rate and how them came to that amount. They will not answer my questions they keep telling me they are paperless. They have yet to reply to my last email. I received a email last night also about how a ACH was returned for $18.00 I am waiting for them to telll me what that was for. I am in the process of closing down my bank account once all transaction have been posted or returned. However I have already opened an account at a different bank. now I owe the bank too. GREAT.

I did have some good come out of all of this and that was with Emerald Marketing. I sent them a letter stating that I had paid them $600 + for a $300 loan and I wish to have my account marked paid in full. They replied right away and stated that my account will be marked paid in full. Didnt have to fight with them. But I am ready for a fight with the rest.

Oh yeah I keep asking GFS to explain what laws they follow and they cant answer me. They also withdraw from your account under other name on behalf of GFS.

Can you understand anything that gfs says???

I sent them an email yesterday, and they haven't called me back yet... still waiting

YOu should call the bank that is associated with the GFS debits...i had my bank stop any payments for the amount that they try to take (wich is $55). they also tried doing an electronic check for that amount and my bank stopped it as well. Just be persistent with all of these companies. Don' tlet them think you're scared!

I am soo over those people.They have not called me since I sent them an email two weeks ago letting them know that I wont be paying anymore on the loan.They called my job like twice and I told them that "she dont work here anymore" lol

Yes GFSIL has caused me to be OD by 2 grand but that is ok because I will pay that when I can especially since my horrible bank refused to help me with any of these problems! You need to file complaints with the AG-that is the only way we will get them shut down. They claim they abide by UK law but here is my thing: UK is mostly Britain but everyone who calls me from their is of middle eastern descent so I know they are not actually in the UK...

leah - the are located in the UK...i always get phone calls from a UK #: 442084922780

I'm not sure what the UK laws are...haven't been able to find any good info on them...

Doesnt matter-in order to lend in the US they have to have liscense to lend in the US and abide by US laws which they feel they do not have to...

They still have not replied to me about the finance charges. I cant stand them at this point. Has anyone had problem with 500 fast cash or ameriloan. There the next two on my list.

they have to be licensed in the states that they lend, which they probably dont anyhow.

The point I was making is that they probably aren't abiding by the UK laws either...

Just something to throw in their face when they try to contact you!

Are you still fighting GFS ?

I havent heard from them since I received a letter from the OH AG stating they were looking into this matter...

http://www.debtconsolidationcare.com/forums/about4600.html

Apparently 500 Fast Cash and ameriloan are the same...

Has anyone ever gotten an account history from GFSIL? When I talked to one of their rude customer reps he said the he can't give me one and has to request it from another dept. He said to just look at my bank statements... I am thinking why don't they have one in front of them... How do they even know that I still owe what I owe. So I got the address to request one and I am going to send a letter, either certified or Fedex or something, so I know they received it. That is crazy to me... How can you tell me I still owe you when you don't even have records of me paying?

Because they are scammers

They grabbed $28 out of my account today.

This is going to get interesting! I guaranteeeee it.

Yeah they just sent me an email stating that my bank account is closed and they couldnt get their money(ReALLY YOU DONT SAY???) So i sent them an email telling them why(once again) and that I had filed complaints with the FTC and the OH AG and my next step was Homeland security

Leah - I've actually begun harassing them in return.

I've sent 15 emails to them today, asking them to mark my account as paid in full, also reminding them who I've spoken to regarding their illegal practices.