OneClickCash

Do you have copies of the previous validation letters sent? This will be an important proof from your side to resolve this account. Under the federal laws, the collectors are required to explain the accounts with the following details. They are mentioned in the page below:

http://www.debtconsolidationcare.com/validation.html

If your state allows recording of the phone calls, you can prove the illegal collection techniques used by this collector. Check the attorney general's office for information regarding this matter.

You can send the copies of these letters to the credit bureau and explain their failure to validate the debt. They will conduct an investigation from their side and give you the results. Hopefully, you will get some information about your accounts using this way.

i took out a loan with this company and recently i noticed they have taken almost triple out of my account . I tried contacting them to settle this but i just cant find a phone number or any way to contact them, anyone can help ?

Email deleted as per forum rules-Vikas

twizted_pain111,

You can visit this thread to get the contact information of One Click Cash-

http://forums.debtcc.com/forums/instant-cash.html

If any one has recieved a call from Don Freedman stating he was with the compliance bureau of Wyoming and threating you and asking to speak with your Attorney he is with Interstate Compliance call the Federal Trade Commision at 877-382-4357 and file a complaint for this man has broken the fdcpa

i tried calling one click cash...they said that the reason why they keep charging me 90 dollars was because i had to call after my loan and say i wanted to pay the full amount and if i didnt...i have to pay 90 every of my paychecks. does this sound right?..even though they have taken out around 800 dollars instead of the 390 that was stated?

You have to check your loan documents carefully. Thought it seems very deceptive what they told you, I'm afraid it might be true. The prevailing rules of payday loan industry are really hard to believe. However, once you have signed the agreement, chances are they will come behind you.

Inquire how to cancel the agreement and get out of it. Contact Consumer Protection Office of your state if you find any difficulties. Keep us posted.

Most of these payday lenders will auto renew your loan and just take the fee from your checking account for so many weeks,but then they begin to take out some of the principal(usually $50) plus the fee after 3 or 4 paydays.You have to notify them if you want the total loan paid off or more than the standard $50 in principal taken each payday .I had one loan that was $300 plus $90 for fees,this is how it worked.
Payday 1 Debit $90 Loan renewed (Principal still $300
Payday 2 Debit $90 Loan renewed "
Payday 3 Debit $90 Loan renewed "
Payday 4 Debit $140 Loan renewed (principal now $240)
Payday 5 Debit $110 Loan renewed (principal now $190)
Payday 6 Debit $110 Loan renewed (principal now $140)
Payday 7 Debit $90 Loan renewed (principal now $90)
Payday 8 Debit $80 Loan renewed (principal now $40)
Payday 9 Debit $70 Loan paid off
As you can see I paid almost $900 for a $300 loan.And it took almost 5 months to pay it off.This is what happens if you do nothing,and they just keep renewing,and only take a small amount of principal after the 3 renewals.The fees will keep getting added on,and will get lower as you are renewing a smaller amount.I will never get another payday loan as long as I live,they only make a bad situation worst. :evil:

Twokid,

I remember paying those rollover fees. I think of all the money wasted on these types of loans and sometimes I get really frustrated with myself. I will never take out another payday loan myself. It's a quick fix but causes more problems then it's worth. I hope others learn from our mistakes and stay away from payday loans, especially online ones.

I am a lawyer representing a client who has a dispute wiht OneClickCash. Any information you may have about its operation and collection methods would be helpful. Also, has anyone ever found money in their checking account that they allegedly did not request from any pay day lender? Thanks.


Email deleted as per forum rules-Vikas

I closed my bank account 0n 7/9/06 and guess what I faxed oneclick cash a fax stating that I had already paid back the loan plus extra and to close my account with themnand mark it paid in full. Well I just recieved an email from them stating that I don't owe them any more money and my account has been closed. I just can't use their comkpanies anymore. Oh how sad!

One day several months after I tried to get a quick loan of 1500.00 toi purchase a home for my daughter because she was desperate and after receiving noothing but NO INeligible Bad Credit etc. I found a $300.00 dollar deposit in my bank account, since I was in a negatie balance situation at the time of corse the bank applied the money to my negative balance. I decided that I would just pay off the $300.00 dollars immediately but have been unable to contac this company. I never solicited them to my knowledge unless they have more that one company name and I was unaware of it. This company has now hit my account for $181.00 toward the $300.00 I want to pay this off NOW Help me to stop this madness.

Michael, as you have already used the loan, the company will prove that you have an unpaid account with them. The only way to resolve the matter is to contact and fix some payment arrangements. Talk to a debt counselor also because this helps to a great extent. I myself, am going through the same situation and this can be my advice for you too.

You were unapproved for the 1500 dollar loan however chances are if you read very very carefully when you start clicking buttons you agree to take a loan of what they approve you for. I got stuck with that once. Check your email spam and read because they probably sent you a no0tice that you discarded as spam because when you start to look into payday loans you get spammed.

I am so stupid.....I just signed up to receive a cash advance from OneClickCash and stupid, stupid, me. I have not gotten my password or any confirmation from them about my account - I check with the online BBB to check them out and did not see anything derogitory about them so consequently I went ahead and completed the application. I got suspicious and did a Google Search of the name and found all kinds of problems with this company. I don't know what to do now! I have not received the money as of yet, however it has only been about an hour, but when I read the comments above, I got freaked out! What should I do from here?

Hey, I just received the "Confirmation" E-mail to complete the application...."NOT!" but, I do have an 10800 number for you guys that got ripped-off from this "company" - AcesCashLoan Customer Service
1-800-214-8605
customersupport@ acescashloan.com
No Credit Checks. Nothing to Fax. EZ Application. By the looks of it - they go by AcesCashLoan - oh well - I am keeping this e-mail for future reference. I hope this puts and end to my dealings with this company.

you have 3 days legally to cancel the transaction. If they have already deposited, you just have to pay them back that amount. They should not charge any fees for this transaction.

I didn't have any problems borrowing the money, but it's started to become a problem trying to pay it back. I borrowed the money last week and want to pay it in full next week. I called three times requesting for an Account Summary so I can authorize them to debit my account. The first two times they said they tried to email it and was having problems with MSN customers. The third time I gave them a different email address. I still haven't received the Account Summary. I even emailed them my own authorization letter, but the fax didn't go through. I have been contacted them since last week since they only give you three days before the debt is due.

Hey Jeanie, Thats there way they want you to pay all of those rollover fees. One Click is affiliated with RIO and they are now saying they cant be brought to US law because they are a indian nation. Crazy but true we will have to see what happens when they go to court. KYSIDE38

I took out a loan for 350 with one click cash,and paid and paid,extentions etc. So, finally I had to file chapter 7 bankruptcy. I closed out my checking account after I filed,and went to another bank and they debited money out of that bank. And it was nationwide and I disputed it and recovered the money that they fraudulantly robbed and changed accounts. I listed them on my chapter 7 and they are not supposed to contact me at all. Its a federal law and can be prosecuted by the bankruptcy courts. But they are now saying on recorded messages,that they are turning me into the fraud department. So has anyone delt with nationwide? They represent oneclickcash.

ONECLICKCASH created a loan request without my permission. Every person that had this happen PLEASE file a report with the Federal Trade Commission, as if they receive several reports they will investigate, but only if there is an established pattern of complaints. PLZ CALL THE FTC AND COMPLAIN.

This seems to be a company that likes to crawl out of the woodwork. I just recently heard from them via e-mail after months of being quiet. I have taken the proper measures through the proper channels, such as government agencies, etc. I have also sent in paperwork to follow up with my complaints against them.

Definitely watch out for One Click Cash, I had a loan with they and they were notorious for leaving you on hold forever. One time I was on hold for so long the phone disconnect and when I tried to call them back, the offices were closed. I believe they are making it difficult for you to contact them so that you have to pay more fees

Welcome Linda to the forums. Contact your bankruptcy attorney immediately. They are not allowed to contact you during the process only by mail. Also if it has been discharged they cannot contact you PERIOD!!!! Let the courts handle this one. Why cant these people follow the law? KYSIDE38

Linda:

Kyside is right. You need to contact your attorney ASAP on this matter so he/she can take action. What nationwide did is a HUGE no no!

i borrowed 300 dollars and was told it would cost me 390 and now they have taken 450 from my account i notified my bankand they said thet would notify one click cash and let me know the response

Hello,

Does anyone have contact information for OneClickLoan or ONECLICKCASH ONECLICK PPD ?

I've paid enough on a 300 loan and want it to stop.

Thanks,

Oneclickcash-they called and harrased the heck outta me.I spoke to a man named William and when I told him that I had done some research on their company and found out they were a scam-I haven't heard back from them-Its been about 3 weeks but I still took all the other precautions!

Spoke too soon they called me today..OH well :(

Bummer, Leah, what did they say? Are they the same company as One Step Cash? I am working on finishing my letter to them right now.

I think they are a different company..I didn't get the opportunity to speak with them because my wonderful co-workers took care of it...LOL I sent them a letter and I guess if they continue with this business then I am going to just get an attorney. I am rather fed up...Next time they call...I am going to try to speak with them so that I can tell them over the phone how much they have ripped me off...

I too have the same problem with oneclickcash. But on my bank statement it shows that they deduct 2 different amounts on the same day and on top of all that, they take a deduction twice a month. So far this month has been $145.00, last month not sure, but all this for a $200 or so loan. Absolutely ludacris. Never again. If there is a lawyer out there fighting them I'd like to help also. This company and all the others like this one need to be stopped. Innocent people who don't know so much are getting ripped off, literally. Good luck to all of you out there.

They take out 2 amounts because you are probably paying down your loan they take $50 plus their fee after you already have paid 4 or 5 times their fee before you start paying down on the principal. Check your bank statement and find out the date they deposited the money and go thru the bank statements and add up all the fees they took out and chek when they started taken 2 amounts add them all up and go to your bank and revoke their ach authorization to deduct any more money. Send them a letter notifying them you revoked their ach and tell them you want a refund of the overpayment.

One Click Cash Numbers I Have Two
1-800-349-9418
1-800-756-3118

the phone number for one click cash is 1-800-230-3266

I have found oneclickcash dot info site through search, how can I trust applying there

VRaths do not trust oneclickcash!!!! They are a payday loan company that is on indian land and there are no laws or courts that can touch them right now.

I am going to suggest that you step back and take a second look, do you REALLY need a payday loan? Is there a way that you can do without so you don't have to take the payday loan? Because once you start with them they will take money out of your account and they want you to keep paying the roll over fees (thats how they make most of their money) then if you happen to default it is a real mess then.

If you really need to get a payday loan please go to a store front one in your town. They are licensed in your state to do business. The internet ones are not so they feel as if they can do anything.

Good luck, but take it from me don't do it. I will NEVER EVER take out another payday loan!!!!!

Do not trust applying there. Let me give you a heads up on something they did to me...After 4 rollovers they beging taking out the finance fee plus 5o towards the principle until its paid off...So on a 200 loan after 4 more of these you shouls be paid off correct? Oh no, somehow they told me I still owed them $15 and so they took out the 15 and another 50 fee...THAT IS JUST SHADY! I agree with Puddle...if you must get one use a storefront to avoid getting scammed!

I have an onknow charge on my accont,so i call the bank to find out who it's from,there is no real name to any company so i call yhe 800 number to find ouy how took money from my account. I had a man try to resolve the situation,as i started to ask what was the reson for his charge and allowed him to do so,he attack me. Told me to shut the *!*!*! Up, and listen that if i didn,t deposit four thousand dollors in my account he would had to do what he needed to me.i told him he was very rude and if i owed him money in any way he needed to inform me of it. All i got was threats,he would not stop,i know i wasn't able to finish paying the loan i recived by them but does that give them the right to go in to a different account take my money and tell me every time i get money in my account he will take it.and instead of the two hundread dollr loan the want's me to repay four thousand . What can i do to protect myself and why don't this company just take me to court ,please help.

I have had fraund things done from this company. If you need to contact them call 1-800-230-3266 ask for rachael. They took over $600.00 dollars from my account when i never even opened a loan with them. They still haven't returned the funds. I am fighting them and maybe getting a lawyer for this. I never filled out any loan app. I have two police reports. Everything is done over the internet and is spam and fraund. Beware!!!!!!!!!
Also here is a physical address for mail ste. 3 52946 hwy. 12 niobra, ne 68760. Good luck.


Starr bowker
609-443-4386

BEWARE............HERE IS A PHYSICAL ADDRESS AND PHONE NUMBER FOR THEM

STE. 3 52946 HWY.12 NIOBRA, NE 68760

1-800-230 3266 ASK FOR RACHAEL

They ripped me off too. Took double the amount out of my account. I would love to get a contact phone number for theses people....

OneClickCash ripped me off for over double my original loan. Put a stop payment on the account. Anyone who knows a contact number for these people, I would appreciate it...

One Click is a DBA for MTE FInancial also Rio Resources. They are in Oklahama now. Thats the last I heard anyways. They move so much who knows? KYSIDE38

have applied for a 300 dollar loan and was told it would be in my account by midnight on 5/18/07. Have not received funds and am now reading horror stories about this company one click cash. Can anyone give me
any other info and has anyone not received funds and then still had money taken from their checking?

The money should be in your account by monday. But if I were you I would call and tell them not to bother. They will keep taking fees, after fees, after fees, out of your checking account. If there is some other way of getting money besides a payday loan go for that. But if you REALLY need one then go to a storefront lender, they at least have to follow the laws in your state.

Take it from me, Payday loans are BAD!!!!

I have dealt with oneclick and I never got rude operator's or anything to that nature,i'm at my last payment and I will probally use them again.you have to remember if you do not pay the loan at due date,the amount will increase,so really it is up to you.

dont ever ever ever use this company! they are one rip off after the nexy dont not use them!

I got a loan with OnClickCash and they took out the fees today. I got nervous b/c i didnt want the full amount taken out. I never got a sign in name or password. When i asked for it to be sent, it wasn't. I'm glad I found this, so I know the deal. It's been helpful. I just would like to know how to report this company. Is there a way to report it to the Better Business Bureau?

i think if you read the contract, it says you have 3 days or something like that to change your mind. call them back and tell them you change your mind

One click.com is on my credit report as a housing debt and i have no idea who these people are they have two dates listed 6/05 and 10/05 what should i do i need them to remove this from my credit report asap.