payday loans pay off

Sandra

Contact your lenders now before they take any legal steps later. You will not have to undergo pressure later if you can convince your creditors now that you will pay the debt in easy monthly installments. Send them a little advance with your letter so that they are aware of your interests.

If you keep contributing towards the principal amount from now onwards, you will be able to save a lot in the form of interest charges. Have a thought!

Hi CASHTODAY CUSTOMERS,

It will be of great use to read the below lengthy paragraph's if u have taken a loan from cash today or planning to take one.
I am typing this from london, uk. i used to work for this bloody company called Cashtoday ltd. Thank god, now i am working in a different company. The working condition in collections department is pathetic and all the employees who work here are either students or illegal immigrants and the company doesn't pay taxes or anything of such sort.
In the united kingdom this company is registered as heathmill.com.

Cashtoday ltd aims at collecting USD358 from each and every customer. So, for all the people whose outstanding is above $358 dont panic just tell them that u will only pay $358 to get the account closed(Also mind how much have u paid already).Keep on negotiating for an even lesser amount if u intend to close the loan.

Let me explain u what precautions are to be taken inorder to avoid future harrasment and to evade the this payment.
1)once u take this loan its better to change the bank account as the company's software is designed to hit the bank account on the next payday or the best thing to do is u can put a stop on all the debits by cash today
2)if u have filed for bankruptcy, just fax the papers to 18006909925.
3)Inorder to get the calls stopped at work place, tell that this person(customer) is no longer working in this company and owe money to many companies and other stuff. We can even block calling up a particular number but most of the guys dont do that unless it is told by a manger. so talk to manger and get the number blocked.(DAN CRADDOK or for Manager-- Darren)

4)when u default a payment, collection agents call up at all the numbers which are in our records. when they call, u ask for Director --DAN CRADDOK or for Manager-- Darren and tell them not to call at ur work place. They r the key persons of the company. Harass them, they are worse than uncultured people.
Also keep calling the collections number--18006704075 and as this is a toll free number this costs a lot more than making outbound calls for the company.


HOW TO ENSURE THAT U GET THE LOAN:(this is useful if u r a first time payday loan taker with cashtoday)
The sales agents who works here make GBP 4.00 per sale. Once the sale is done verification dept verifies if the customer is employed full time and check if the work tel ph number is a land line number
and then they release the $200.
This work number must be a landline phone number else the sale will get rejected.
---so to ensure that u get the money u can give ur home number and someone should tell that u r working full time at the moment and that is the work place.

Let me inform u few key reasons why the sale gets rejected.
1)if the work ph is not a landline number(inorder to play safe u can give ur home land line number and tell that the person is working there)
2)if the net income is less than USD220 per week.(its better to tell that u get atleast usd 500 irrespective of payfrequency)
3)if u dont get paid by direct deposit
4)if u r working at ur work place for less than 3 months.


Dealing with COLLECTION agents(useful for people who already defaulted pymt)
1)firstly the loan itself is an illegal loan and u must expect the agents to be beast. they are being fired if they dont collect the money. so they r behaving like that with customers, it not actually for bonuses, but rather for survival.
2) if u dont have the money tell them that ur bank account is frozen and u will be able to pay only thru money order. ( if u choose money order option collection agents will not call u until 10days after the MO due date.
3)Always talk to DAN CRADDOK(director)or Darren(manager) or Binu Fernandez(manager) or stuart(training manager) or to any team leader.



I have typed a lot for now...
I HAVE A PLEA...THE ABOVE INFO MIGHT NOT HELP U BUT IT CAN HELP A PERSON WHOM U DONT KNOW. SO,PLEASE PASS THIS INFORMATION TO ALL THE AMERICANS.
Currently there are more than 50000 customer for cash today ltd.
America is a very rich nation, but after working in this company i feel pity on all the people who take a loan for $200.

If you have any queries, i will defenitely help u out.

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Cashtoday collections

Thanks so much for this valuable information. Can you please tell us about the debits that this company does. These debits sound with unauthorized names and how can we deal with such things legally.

The people from Cash Today claim that they do not come under the US jurisdiction on violation of any law. But since, they are doing business here; they must be having some physical location. Can you please give some opinion here? How to deal with unauthorized debits?

to whom it may concern:

I do have some payday loans out there and I owe some other debts too. I have my credit report from all 3 companies I would like to get all my debts paid off and I am about ready to have a nervous breakdown because of this and also my daughter is having problems with her car loan and they keep calling her about it,. yes she got behind and had to move and get another job and they don't realize that she only gets paid 2 times a month and she is living with a relative and no one wants to help her out besides me. I let my bills go to help my kids and I know I shouldn't do that but I am their only parent left. so please if you have any advice for her let me know and I hope you can help me too. thanking you in advance.

sharon cameron

Hi Sharon,

Welcome to the forums. It will be better to keep the bills current and offer some amount each month towards the debt account. This will prevent your account from going into default and also to the collections.

Once the negative information appears in your credit report, it will stay there for 7 years and there will be tough times in acquiring new credit. The credit scores will also be affected due to these defaults.

It is advised to contact the creditors and arrange for a payment plan with them. Most creditors will be willing to work on your given plan as long as they are getting money from you. Though, there may be some need of negotiation, but I hope that it will be in the best of your interests.

If at any point of time, you wish to get some experts' advice, you can register yourself in this website. He will be offering you a free counseling and do the needful negotiation with your creditors. It will be easier for you to work under the guidance of the consultant rather than working on your own.

Regards
Roxette