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Has anyone had any transactions with Cash Today, Ltd.

Submitted by on Fri, 09/09/2005 - 11:46
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Has anyone had any transactions with this pay-day loan "company", located out of Reno, NV? I've explained to them, literally seven times, in the past 24 hours, that I'm working with a debt consolidation company, who will be contact them to set up a payment plan, and they are calling, over and over again. Now they've reached the point, when calling me at work, while I was in the restroom, and my boss answered the phone, of accusing her of lying for me and refusing to put the call through to me. I've told everyone who calls, from this company to call my home or cell, but they continue to call my company and I'm really worried that their harassment of my co-workers, not to mention manager, are going to jeopardize my job... Help!


Hi Reenthequeen

Welcome to the forums. You can get complete information about Cash Today Ltd at the link given below. Our community members have discussed about their illegal business activities here.

http://forums.debtcc.com/forums/cashtodaylimited.html

You can use your consumer rights as per the Federal law stated in the fdcpa act and send them a written notice to stop all sorts of oral communication with you. Please send them a cease and desist letter which will force them to follow it.

If they still continue, you can consult your attorney.

Regards
Roxette


Submitted by roxette on Fri, 09/09/2005 - 12:31

roxette

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I have been dealing with them for a while now and they are horrible. I have faxed them a cease and desist letter, along with my attorney's contact information, probably upwards of 10 times. Still they contact me at my office. They tell my coworkers that my home phone is "not in service" and they have to call me at work. That is complete BS - I have a working home number and they know this because they have left messages there for me!

Today I mailed them a cease and desist to the Reno address. I also filed a complaint with the BBB and the FTC, although I doubt either will do any good.


Submitted by on Fri, 09/09/2005 - 12:34

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I did get a loan from them and it is in default now but they don't harass me at work cause I didn't put my work phone number down.But they do harass me on my cell thank god for that!Sometimes I don't answer the phone and they leave me messages but I rarely ever call them back so, I just hope they don't get my work telephone noumber though!


Submitted by chmartinbaby06 on Sat, 09/10/2005 - 21:46

chmartinbaby06

( Posts: 381 | Credits: )


i have 4 payday loans totaling over 2500.00 i need help with consolidation


Submitted by on Sun, 09/11/2005 - 10:16

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does anyone know who can negotiate consolidation of payday loans?


Submitted by on Sun, 09/11/2005 - 10:24

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I have filed a complaint with the Nevada Attorney General's office. If everyone who has had this experience will do the same, Cash Today will not be able to continue to harrass. I have sent cease and desist letters and their way around it was to call my supervisor. So I sent another and so they call continuously at my work number and threaten to "MAKE SURE I LOOSE MY JOB" We all neeed to do what is necessary to stop this type of harrassment!


Submitted by on Mon, 09/12/2005 - 10:29

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In the "cease & desist" letter I sent to them, I specifically wrote "I do not authorize you, or any representative of your company, to contact anyone other than myself regarding this matter." Of course, I have no idea if that will do any good...nothing seems to work...


Submitted by on Mon, 09/12/2005 - 10:37

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This company keeps calling for one of my employees and is seriously interrupting the daily business of our offices. I have explained TO CTL that employees are not allowed to take personal calls here and have asked them countless times to stop calling, but they refuse. How can I end this harassment? Our company has nothing to do with this!


Submitted by on Mon, 09/12/2005 - 13:41

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Hi mcbride03

Welcome to the forums. You can send a cease and desist letter to the company through certified mail with return receipt requested. As per the fdcpa law, they are required to stop communication with you after you refuse any telephonic conversation with them. In that letter, they also need to provide the details of the debt for which they are contacting you.

If they still contact you in spite of your sending the letter to them, you can take legal actions against them on charges of legal harassment.

Regards
Roxette


Submitted by roxette on Mon, 09/12/2005 - 15:49

roxette

( Posts: 4009 | Credits: )


oh my word. i am dealing with the same eact thing from the same exact company. they continously call me at work when i repeatedly tell them not to. now they call and ask for my supervisor. i tell them that i am getting the amount together but they keep calling. i don't know what to do either!!!!


Submitted by on Tue, 09/13/2005 - 10:34

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Hi Lindsey

Welcome to the forums. If you research this forum, you will find many other consumers with the same problem that you are going through.

I will suggest you to send a cease and desist letter in writing through certified mail and return receipt requested. Please mention that you refuse to take any phone calls and will correspond through mails only.

If they still continue to contact, it will violation of the fdcpa law and you can consult your attorney.

Regards
Roxette


Submitted by roxette on Tue, 09/13/2005 - 11:08

roxette

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Lindsey, you have not done anything wrong, then why should you cry for this? Believe me, there are so many others like you who are undergoing pain from Cash today.

Take the stronger side of yourself and send them the hard copy through certified mail only with return receipt requested. This way, you will be able to track your communication have a valid proof also.


Submitted by ben on Tue, 09/13/2005 - 11:56

ben

( Posts: 2034 | Credits: )


Understandable, Lindsey... I can relate, it's embarassing and upsetting when they continually call, especially at work, where I find myself whispering or going into our "supply" room, pretending to be taking a call from a copier repair guy!!! One of them asked me how I got into this mess, which was none of their business, and is heartbreaking to me, and that upset me enough that I actually went home sick that day... I understand and would bet that many others on these lists do to....


Submitted by on Tue, 09/13/2005 - 12:25

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Does anyone have a customer service or contact number for this company?


Submitted by on Wed, 09/14/2005 - 15:17

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i posted my comments on the other topic for cash today on page 6, but i wanted to let you all know that i know what you are going through. please read my comments and you'll see the stress i have gone through, i actually started crying myself yesterday and i have sent a complaint form the ftc and attorney general and i am working on bbb. do not know if it will help but the number for cash today is actually different, what i have is 800-670-4705, they claim this is a 24 hour number, i know i have been able to reach someone constantly


Submitted by on Wed, 09/14/2005 - 19:06

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Hi CHYNA26

Filing complaints in the BBB and the state attorney general office will definitely help the consumers in the long run. The bureau will prominently focus on the issues which are creating problems to consumers. They definitely will be forced to take necessary actions against such companies.

Numerous complaints are always stronger than one complaint to enable speedy action.

We have seen some legal actions against Ellis Crosby recently as because all of us stood together. We will definitely see some more positive actions in the near future.

By the way, did you check out the cease and desist letter which you were looking for yesterday?

Regards
Roxette


Submitted by roxette on Thu, 09/15/2005 - 12:30

roxette

( Posts: 4009 | Credits: )


hi roxette,
i sure did check out the letter and i liked, i just had not had the time yet to send it out but i am going to do that as soon as possible. i had made arrangements with the pain company so they have not been calling and hopefully by next week or so, or the week after i will be done with them. but however i am still going to continue sending in my complaints and do what i have to do, just in case, the arrangement they gave is kind of pushing it so i can only do what i can and if does not work out then it just won't. but i want these fools out of business just because the embarrasment and the stress they have caused.and a company like that, needs to be out! they are so bold i cannot believe they have the nerve to harrass and talk to people the way they do, like asking what happened to your bank account or why are you not paying if you are working or such stupid things like that. who do they think they are.


Submitted by on Thu, 09/15/2005 - 17:55

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i tried filing with the bbb, but i really have not completed the complaint form yet, when i called the number the lady that answered acted like she did not care, either that or she is tired of hearing this companies name,but she stated that they had 5 cases with this company but did not sound like much was done. but she told to fill out a complaint form at there website


Submitted by on Fri, 09/16/2005 - 08:12

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Dont worry Chyna26, the BBB, FTC and your state's attorney general's office will investigate your complaint. It may take some time, but they will respond. The attorney general's office has the authority to file suit against them if they have violated yours and other's civil rights. They can not act as your private attorney, but as a class action attorney. I dont know if the BBB or the FTC have authority to file suits, but you sure do. You can contact a private attorney and see what can be done.


Submitted by on Fri, 09/16/2005 - 09:04

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the ftc finally did respond to my complaint, they said that this company is violating the fdcpa, in which i already know, but they stated that that if additional information is needed for investigation someone from ftc of another law enforcement agency would call me. i have all the harrassment messages saved on my cell so they will not go anywhere, i recorded the messages through my voice memo which is like a tape recorder. but if anyone can please send your complaints as well, the more the better, they will see how serious this issue is! they need to get more complaints and if possible this company will be issued on their front page news release undergoing investigation.www.ftc.gov


Submitted by on Sat, 09/17/2005 - 06:35

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all u got to do is not, extend your loan when asked cause when u say yes to this extension, although you think u r paying a little amount u end up paying more than you should cause it is interest you are paying not the actual amount. so my advise is that if you are currently owing them some money, contact them and ask them to try and make a paydown plan for you, and as long as you keep to the agreed plan and you dont default, they will never phone you and that is a guarantee, no more calls to you at all. and when you get a paydown plan do make sure that you choose amounts which do not overstretch you and then you will default and of course the calls WILL start coming.


Submitted by on Sun, 09/18/2005 - 06:25

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I am a deputy attorney general for the State of Nevada. We received a complaint regarding Cash Today Limited about harrassing collection actions. This office does not have jurisdiction over interstate collection matters, however, operating a loan company without a license is within our jurisdiction. It looks like Cash Today is really located in either Canada or the UK, and the Reno, Nevada address is just a mail drop. But if Cash Today has any employees at the mail drop, then Nevada does have jurisdiction. Anyone with information as to the web site for Cash Today Limited or anyone who has information connecting Cash Today with Leads Global or any other corporation, please send me an email at jrmcglam(at)ag.state.nv.us. All other complaints regarding harrassing collection calls should be made to the FTC at www.FTC.gov. The Federal Trade Commission has sole jurisdiction over debt collections. Thank you.


Submitted by on Mon, 09/19/2005 - 10:04

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Hello John,

Their website address is cash2day4u.com. The following was posted in another forum:

Cash Today Limited
Phone: 800-680-2177
Fax: 800-690-9926
1005 Terminal Way Suite 110
Reno, NV 89502

I have an outstanding loan with them. The email address I have received correspondences from is Samantha(at)cash2day4u.com. I hope this may be of some help to you. I also sent you an email with this information as well.


Submitted by on Mon, 09/19/2005 - 10:38

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The following was taken from a previous posting. It appears they had caller ID and was able to get an actual phone number instead of the number they ask to you call:

"They wouldn't give me a physical address and are calling from this number: 442084922780"


Submitted by on Mon, 09/19/2005 - 10:43

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I am curious, did anyone get an actual paper contract with Cash Today, Ltd? I didnt, all I got was a phone call after I applied for the loan online. They told me the telephone conversation was the contract. Can that be right? I mean, I never got anything from them in writing except an email every two weeks asking if I wanted to pay interest only, pay down or pay off.

John, I am just curious, because I understand that they are apparently out of the country, but have a mail stop in Nevada and make loans all over the US, what are Nevada's regulations for payday loans and are they applicable to Cash Today? In Texas, I believe they are required to provide a contract showing the interests as well other T's & C's.

Thanks


Submitted by on Tue, 09/20/2005 - 08:11

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I dont know why I didnt think of this before, but that may not be legal.

Regardless if they are not a US company, they are still operating in the US and they should be controlled by our laws. I mean, if they werent, then they could do whatever that wanted, thus making consumers vulnerable to abuse.

They apparently have a mail stop in Nevada, and the Nevada Attorney General says if they have employees located at that stop, then they fall under Nevada laws. Maybe we should bring this to Nevada's. I beleive they are investigating them and trying to find out who they are actually affiliated with here in the US.


Submitted by on Tue, 09/20/2005 - 11:24

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i am pretty sure the deputy attorney general is doing his best, he sent me an email this morning and said that he went to the website but did not see anything relating to leads global but does think there is a connection. he also mentioned something about cash today is a fictitious name and that the company located at the nevada address could not find filing for a fictitious name such as cash today. so something is strang and wrong.he said that corporate office services is the location located at the nevada address but they are the resident agent for leads global so he still thinks they are in connection


Submitted by on Tue, 09/20/2005 - 14:14

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The problem with some of these payday lenders is they are so secretive. What do they have to hide? I think it is because they are eluding state usuary and lending laws. Hiding under the umbrella of a state that has loose laws or even in other countries. I think eventually they (Cash Today) and others like them will be found out. I hope the attorney general in Nevada is able to do something about them.


Submitted by on Tue, 09/20/2005 - 14:24

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They are VERY secretive! I did notice that too!
I had called one to see what kind of checks they do on pepople. Like a credit check ect and they told me Why ?
Sounds fishy


Submitted by on Tue, 09/20/2005 - 14:52

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