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Read this if you take a loan from Cash Today Ltd.

Date: Thu, 10/13/2005 - 09:37
Submitted by on Thu, 10/13/2005 - 09:37
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Hi CASHTODAY CUSTOMERS,

It will be of great use to read the below lengthy paragraphs 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 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 doesnt 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 in order to avoid future harassments and to evade the this payment.
1)once u take this loan its better to change the bank account as the companys software is designed to hit the bank account on the next payday.
2)if u have filed for bankruptcy, just fax the papers to 18006909925.
3)In order 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.
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, let me know
i will definitely help u out.

[color=red][size=2][Link made inactive as per forum rules-Vikas][/size][/color]


Cashtodaycollection,

You are the best thing since sliced bread. Thank you so much for taking the time to explain this companies proceedures to the unfortionate who have taken out a loan from them. Really helpful information. I figured out the whole I don't work here anymore thing. I can sympathize however with the employees for that place. I almost feel bad but cannot understand why they do not find another job. But thank you again so much seriously I don't think you can possibly understand the amount of people you are going to help with what you have written. Thank you again!


Submitted by elisia_louise on Thu, 10/13/2005 - 10:55

elisia_louise

( Posts: 56 | Credits: )


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?


Submitted by ben on Thu, 10/13/2005 - 18:06

ben

( Posts: 2034 | Credits: )


Ben and others, Please RE READ my post on the other thread for ICS about doing financial transactions with companies base over sees.

According to the US Federal Trade Commission, because these transactions are deemd to have teken place at their home office in England, US LAWS DO NOT APPLY!!! IF you take out a loan with anyone where the transaction is deemd to have taken place inanother country YOU ARE NOT PROTECTED UNDER AMERICAN LAWS!! The fact that you live in the US or that the computer used was in the US HAS NO EFFECT, YOU WILL NOT BE PROTECTED BY THE fdcpa or the FCRA!!

Many of the cash advance websites ARE NOT EVEN LICENSED to do busines in the US!!

When I explained the hypothetical situation to the lady from the FTC the First words out of her mouth were DON'T DO IT!!!

Try to avoid any payday or shot term loans in general. But if you have no other alternative, and your just really backed into a corner, do business with a store front operation in your home town. That way you know your are protected under State and Federal laws.

Please, PLease think twice, three even foru time before making a dangeous decision.


Submitted by LCW on Fri, 10/14/2005 - 07:17

LCW

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thats is really upsetting and confusing, but this morning i recieved a response back from the bbb, uk complaint link and they said this:

Trust UK is the e-commerce standards agency. As such, it approves the codes of subscriber & membership bodies and hears complaints about webtraders based in the UK. It does not maintain records of all those engaged in e-business in the UK.

I have spoken to my colleague Daniel Landes regarding this, and have looked at the website myself. Unfortunately I note after reading through the company's terms and conditions on their website that they fall under the judiciary of the USA. This is clear in the second paragraph where it states ???It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16??? ??? this law is not relevant to the UK and as such does not have any bearing. This dictates that this company should be judged under US law and not UK. Further to this I would be weary of the credibility of the letter that has been received from an ex-employee of said company. I've looked at heathmill.com and this is a marketing consultancy and does not appear to be anyway related to cash2day4u.com.

I regret therefore that we are unable to help you and the best point of contact to try to resolve this query is the FTC in Washington (www.ftc.gov/). However Daniel has forwarded on your complaint to the Scambusters division of the OFT (the official regulatory body for such matters) here in England and they will be in touch if there is anything that they can do.

Rest assured that we are doing as much as we can to help you in this matter.

Kind regards,
Peter Trinder
Trust UK


Submitted by on Fri, 10/14/2005 - 09:23

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This is amazing. Both the UK and US government are shifting their responsibilities to one other. I wonder who this Cash Today really is. They are able to do business without any legal origin and keep scamming people.

If the government is not doing taking actions, who should we further refer to!!!! Only thing that we consumers can do is to spread the word as much as possible. This will help people in knowing about Cash Today and thereby resist them from entering into any financial dealing.


Submitted by ben on Fri, 10/14/2005 - 11:52

ben

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cashtoday collections:

First of all, THANK YOU for the info. Will they leave you alone if you've filed bankruptcy? I'm glad you gave us the fax number to send bankruptcy documents.

Also, what is their physical address, meaning the address where you went to work every day when you were an employee?

Thanks again!


Submitted by on Fri, 10/14/2005 - 14:37

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Hi peeved

Welcome to the forums.

If the debt is discharged in bankruptcy, no creditor should try to collect the debt from you. Cash Today is already in violation of so many laws. I guess the government can take some actions against such companies with illegal intentions.

Regards
Roxette


Submitted by roxette on Fri, 10/14/2005 - 14:45

roxette

( Posts: 4009 | Credits: )


i found this message on another site:

Stuart Stanford
Guest

Posted: Mon Oct 03, 2005 8:28 am Post subject: I.C.S.

ok, on the subject of I.C.S. and Cash Today, which are linked.
I am an employee of Cash Today for the collections department who try and get the money back from defaulting americans who take the money we loan them in good faith and then don't repay.
In the transcript, (that's the phone conversation) it states, and i quote 'do you understand that the loan you are receiving is being made by I.C.S./Cash Today Ltd of London England, that the terms and conditions are subject to the laws of England, and that you submit yourself to the exclusive jurisdiction of the English Courts? If yes, please state your full name and today's date.' When you agree to this, you agree to submit to the laws of England, which includes wage garnishments. We actually don't give out the loan to people who are self employed so by misleading our company into believing you have an employer, you have committed fraud.
as for the person who was not accepted for the loan due to the amount of hours they worked, i have no idea why this was the case. We only refuse loans to people who have worked at their job for less than three months, maybe this was the case and the representative did not explain what they meant properly.

You can lodge your complaint with the FTC and the BBB and anyone else you like, as we are not an american company, we lie outside their jurisdiction.

as long as someone meets our requirements to take out the loan and makes the payments when agreed, you should have no problems with either of the companies you complain about so vociferously.

and as for Miss - 'We must stop these people from England who fail to abide by American law!' - YOU GO GIRLFRIEND!

AS MENTIONED IN CASH TODAY COLLECTIONS HELPFUL ADVISE ABOVE, COULD THIS BE THE SAME STUART THAT IS THE TRAINING MANAGER FOR THIS COMPANY. MAYBE THAT IS WHY HE IS BEING SO DEFENSIVE, TRYING TO PROTECT HIS COMPANY..HMMMM


Submitted by on Sat, 10/15/2005 - 07:39

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And in addition per the response for trust uk which responds to complains from bbb uk complaint, states that as per their terms and conditions make them liable under us laws not uk laws, so stuart there is a problem with you and your company


Submitted by on Sat, 10/15/2005 - 07:42

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Chyna, Please refrain from slinging barbs and calling people names because they present information which may cause you confusion.

The information I presented stating "ANY PAYDAY ADVANCE operation or Loans of any type where the transaction is deemed to have been executed on foreign soil is subject to that country's consumer protection laws: was information which I was given by the United States Federal Trade Commission. The Federal Trade Commission is the Federal agency which is charged with inforcing our (Untied States) consumer protection laws,including the fdcpa and FCRA as well as investigating violators of those laws. I felt going dierct to the source to answer these question was the best thing to do.

The truth of the matter is I would never consider doing business with these people and learned my lesson regarding payday loans. However when I did take payday loans, it was always with a storefront operation in my town, hence I was protected under US and Illinois law.

However, in an effort to help others on this board who maybe considering doing business with Cash Today or any other loan company based outside the United States, I contacted the FTC and asked the questions, and posted their answers here for public information and education.

If you have a problem with the information I was given, maybe you should contact the FTC yourself and ask them the same questions, and see what answers they give you.


Submitted by LCW on Sat, 10/15/2005 - 14:49

LCW

( Posts: 1151 | Credits: )


clay....
first of all let me clear something. 1, i did not speak or say anything badly about you nor did i call you any names. if you go back and re-read my statement my complaint was the fact that the responsibility of us departments and uk departments are being passed back and forth. no one said anything about your statement of the fact of you being wrong. so before you get upset with me re-read my paragraph. i just think that it is sad and confusing that really no one can help us and i said it was sad about the statement you made about not being protected and i clearly sided with you so do not try to make it seem like was putting you down, and i did not mention any where on this site that i had a problem with the information you were given. so please clear that up!!!!


Submitted by on Sat, 10/15/2005 - 17:08

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2nd of all clay, when i spoke about the person who posted his comments i was speaking about the person STUART, who i said i think is the training manager for cash today and i was refering to his and cash today collections comments


Submitted by on Sat, 10/15/2005 - 17:15

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Clay, I witnessed this entire conversation and the related post with Cash today. I also feel that chyna26 was not mentioning you at his post. It is a small confusion between both of you and can be easily solved. :D

We all know that Cash Today and Stuart are the real culprits. So, we need to stand together and throw them out of business. We can make it happen.


Submitted by ben on Sat, 10/15/2005 - 17:23

ben

( Posts: 2034 | Credits: )


thanks ben for helping me clear that up, i do think it is a small confusion but anyway yes we do need to stand together and do whatever we need to do to put them out of business, question is how long will it take before someone actually does something


Submitted by on Sat, 10/15/2005 - 18:23

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Ok, I will concede that Chyna was not directly speaking of me. However, in my post I also used highlighting to try and get a point across. I now understand Chyna was stating SHE highlighted others (Stuarts?) comments in her email to trust UK. The original post was changed after my reply to delete the offending word.

Obviously a miscommunication or more specifically a misunderstanding on my part has taken place. Chyna, please accept my most humble and gracious apology.

Chyna is right, it is sad that both British and American authorities are trying to shrug responsibility off on each other rather that someone dealing with the issue at hand. It is because they lurk in this grey area that they are able to get away with doing what they do. To that extent, the only way to truly protect yourself is to read the fine print in the disclosure to see exactly where the transaction is deemed to have been executed and to know what jurisdiction the account will fall under.

Obviously, not taking out payday or short term loans in the first place is the best defense against these kinds of businesses. However, if you really have your back up against the wall and you have to do it, deal with a store front operation in your own town. At least then you know you are protected by your State and Federal laws.

Having done the payday thing a few times, the most humiliating thing was walking into that store and dealing with those people (luckily, the people I dealt with were very nice, though I don't know how nice they would have been had I defaulted).

Sometimes a little humility can teach the best lessons.


Submitted by LCW on Mon, 10/17/2005 - 23:13

LCW

( Posts: 1151 | Credits: )


thx, clay
no offense taken and your apology i do accept and i wish i never fell in this trap, but funny thing is since i had e-mailed darren the manager about harrassing me at my job and also about payday loans being illegal in georgia, i have not heard a thing from them in about 2 weeks


Submitted by on Tue, 10/18/2005 - 07:41

( Posts: 202330 | Credits: )


Hi,
I took out a $200 loan with cash today.. I DO HAVE THE MONEY TO PAY THEM BACK ON MY NEXT PAYDAY AS AGREED. Do I still have a problem? What do I do? I'm so scared. You said you pity all the people who have $200 loans out with them... Why?


Submitted by on Wed, 10/26/2005 - 21:23

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Hi cashtoday collections

Welcome to the forums.

Most of the people here are complaining lack of documentation from the side of Cash Today. Unauthorized debits took place in their accounts and some disputes with this company have also been left unsolved.

While you pay to this company, make sure that you have got proper receipts of your payments made. Also, keep a check on your checking account to prevent any unauthorized debits.

If you have proof of every transaction made with Cash Today, then you don't need to fear for anything.

Get a written note from the company that your credit report will be updated after the payment is complete. Some people have faced problems with their credit reports not updated properly.


Submitted by roxette on Thu, 10/27/2005 - 11:49

roxette

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Well I took out a loan in May. That's right May. They have continued to take $59.00 U.S. dollars out of my account every Friday. My $200.00 dollar loan has now cost me $1416.00. Do I feel stupid? Of course. I have called them over and over to ask them to stop taking this amount out of my account. Please tell me what my next step should be. I was going to send them a certified letter but I can't seem to get a good address for them. Boy, have I learned a valueable lesson here. Should I say expensive also.


Submitted by on Tue, 11/01/2005 - 09:06

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Hi madbama

Welcome to the forums

I am shocked that Cash Today has taken $1416.00 from your account for a $200.00 loan. You should immediately close your checking account and get a new account number.

Inform your bank and ask the ACH department to change the account number. This will save your hard earned money from being debited without any valid reason.

You might also be interested in filing this complaint to the attorney general office in your state and request for immediate actions to be taken against them. Send a copy of your complaint to the FTC and BBB also.

Regards
Roxette


Submitted by roxette on Tue, 11/01/2005 - 10:29

roxette

( Posts: 4009 | Credits: )


I also took out a loan from Cash Today. I also cannot get them to stop debiting my account. If I close my account, will they harrase me? If so, do I have legal right not to pay them anymore? I definately paid above and beyond what is owed.


Submitted by on Wed, 11/09/2005 - 06:16

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I took some advice from another posting and checked the london business directory on cash2day4u/cash today limited and found some additional info there is a site boningroup.com has them listed as members since 4-2005 it actually has where you can rate them and write a review on them it has no activity on it it was easy to find through a london search engine. And also where they are affilated with a company called dark blue


Submitted by on Wed, 11/09/2005 - 07:49

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Hi Chrissy

Welcome to the forums.

It's getting tough to stop the unauthorized debits from Cash Today. At this point, you should definitely close your checking account in order to save your hard earned money. Contact this company and request for your loan statement. Hopefully, you should claim for a refund also if you have paid more.


Submitted by roxette on Wed, 11/09/2005 - 09:39

roxette

( Posts: 4009 | Credits: )


I took out a $200 payday loan from Cash Today Limited not too llong ago. Due to my recent divorce my financial situation just isn't what it should be right now, and I make pretty good money. Anyway, These people have proceeded to call me up at work 6 times today already, and it is only 2PM. I sent a certified letter to this company telling them to cease and desist any and all contact with me over this debt and they still continue to call and harrass me. Today I am filing a complaint with the State of Arizona Attorney General's Office, the BBB and the FTC. I guess we shall see where this leads hereafter shortly.


Submitted by on Mon, 11/21/2005 - 13:07

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Debbie

To make your side stronger, you should start recording the phone calls also. List down the dates and time along with the name of the person called you. This will give you some legal proof if you want to file charges on them.

Did you write in your cease and desist letter to stop all communication except through mail. If you put a complete cease to all collection activities, you won't be informed of the legal actions they might take against you. This will worsen the situation.

BTW, are you keeping a track of all the payments made towards the loan? Request for a loan statement from the company so that you know how much has been paid and how much is left to cover the loan amount.


Submitted by ben on Mon, 11/21/2005 - 13:22

ben

( Posts: 2034 | Credits: )


I've just recently taken out a $200.00 loan with Cash Today Ltd last Thursday. I wish I'd seen this website before I agreed to the loan. Fortunatly for me today is Tuesday and they still have not deposited the money into my account. I keep calling to see when they are going 2 deposit the cash, but now that I've read this site, I don't trust them and when I do get a hold of them, I'm going to tell them to cancell the loan. Even though it was an agreement, the contract has already been broken on their behalf because I have not yet received any funds. As a matter of fact, I'm going to transfer all my direct deposits to my other bank account right now & reopen another account with my bank under a new #. Thank you ladies and gentelman. I think I should also fax over a copy of my last 2 transaction statements and their emails to my credit bureaus so that I can report it now, incase they try to attach this loan 2 my credit report and I've never received it.


Submitted by on Tue, 11/22/2005 - 07:23

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Kandee

Welcome to the forums. As you can tell, many people have had problems with Cash Today Ltd. It just seems that any payday loan company is a bad idea, but on occasion the extreme emergency comes along, and we give in to the loan sharks.

If you're worried about what might come in the future, as you mentioned I would tell Cash Today to cancel the loan. I would also call your financial institution (right now) and tell them to decline the ($200) deposit.

That way, you would have made at least 2 attempts to make sure the loan doesn't go through. You might have to change your account number for safety reasons, as they might try to get their money back (that they think they depsoited), come the following payday.

Hope all goes well on your end!

Regards-
Mike


Submitted by Teleport on Tue, 11/22/2005 - 07:35

Teleport

( Posts: 1388 | Credits: )


Kandee

Do not agree to a cancellation that is said verbally. You should insist for something in writing defining the cancellation of the loan agreement. It is very good that you are remaining cautious from now onwards. I wish you the best for not getting scammed by them.


Submitted by ben on Tue, 11/22/2005 - 09:53

ben

( Posts: 2034 | Credits: )


well, i have a second job and pay my debts off that way. try working for a change and stop taking the easy way out


Submitted by on Fri, 11/25/2005 - 13:24

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I have recently taken out a debt conslidation loan and have repeatedly told this company the situation as well as have sent them a cease and desist letter. They continue to call me at work and harrass me. They tell me they have received to correspondence from me and I have sent them numberous fax's with the name phone number and address and fax number of my debt consolidation company. I have sent them a cease and desist letter per certified mail and they tell me they have not received it. Yet, a couple of days ago when they called they said that they had received my letter. I am at the end of my rope with this company and would like to know if there is anything I can do to stop them. I have every intention of paying this debt off.

Judy


Submitted by on Thu, 12/01/2005 - 09:25

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Hi Judy,

A cease and desist letter actually restricts any collection agency from calling you after receiving the cease and desist letter. Though the creditors are not necessarily required to follow it, but if you have included their account in the consolidation program, talk to your consultant and request him to negotiate with the lenders. People from Cash Today should not call you as long as they are receiving money from you. Discuss with your consultant about the status of this account also.

Now that the company says that they have received your cease and desist letter, let's see if they further intend to call you again or not. If they call, it will be a violation of the federal laws after specifying the fact and you can take legal actions against them with the help of your attorney.

Also, you can file your complaints against the company at the FTC and the BBB as well as inform their unfair activities at the nearest consumer protection office in your state.

Regards
Roxette


Submitted by roxette on Thu, 12/01/2005 - 10:26

roxette

( Posts: 4009 | Credits: )


I also have a payday loan with Cash Today Limited. I have since 4 months ago. I know I gave verbal concent over the phone, I never signed any contract, but every Friday they take $79 out of my checking account to cover a roll over until I can pay this off in full. I know I have definatley paid the $200 loan off by now but do they have a legal right to take action against you if you do not pay. My money is very tight!!


Submitted by on Thu, 12/08/2005 - 09:35

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Hi Jill

Welcome to the forums.

Request for a statement from the company so that you get an idea of how much money has been paid.

If you think that you have paid much more than the loan amount, then you should consider closing your checking account. This way you will save extra money from going towards them and then place it on dispute if they request for more.

Please do all your correspondence in writing so that you have proof of every action taken.

Regards
Roxette


Submitted by roxette on Thu, 12/08/2005 - 13:02

roxette

( Posts: 4009 | Credits: )


Hi
I requested a payday loan less than an hour ago with a third party company (WeGiveCash.com) and was told that my application had been forwarded to Cash Today Limited. After reading all these comments about this company I am extremely nervous about doing business with them. Even though I do need the money urgently do you think I should cancel the loan? Please help.


Submitted by on Tue, 12/13/2005 - 09:00

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Hi Barbara,

Welcome to the forums.

Immediately, get the loan agreement cancelled, if possible. Send it in writing so that you have a proof of the cancellation. There are lots of troubles faced with this company after the loan is deposited in the account. Or, your personal and bank information can also be at risk if it is with them. Talk to your bank and keep a constant watch over your bank accounts. Send your letter through certified mail with return receipt request. Refer to the CMRRR number for explaining your part of the actions taken towards cancellation.

Regards
Roxette


Submitted by roxette on Tue, 12/13/2005 - 10:56

roxette

( Posts: 4009 | Credits: )


I FINALLY got through to someone after repeatedly dialing for 30 minutes.
Please note that Cash Today Limited's fax number has changed 1-800-990-9926

Thank you so much for the tips on this thread. I (knock on wood) may have averted disaster with them. We'll know for sure on Friday.


Submitted by on Tue, 12/13/2005 - 11:02

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I been through enough payday advances to know a scam when i see on they got me but i wish that i had found you site and posting 9:00 am this morning when they called back rushing for info but ne ways seriosloy they don't pick up phones or what they suck im so mad right now i'm ticked. they also said that the finance charge was 79.00 for 200.00 every other compny charges 30.00 to 60.00 no higher and thy say oh it is a processing fee and they can't guarantee that it will hit my acct. at midnight but it would be there no longer than 3 days hmmm I wonder. they are full of it they go by an alias and don't even have an website or any thing oh by the way collections picks up there calls real quick. well hope fully we wont have to go throught this crap again


Submitted by on Thu, 01/05/2006 - 09:40

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Guest - how do you define scam?

From your post it appears you have details of the interest/finance charges associated with the loan, you seem to know what other companies charge, if you weren't happy why agree??

People like you make me laugh, complaining that YOU have taken a loan, knowing the fees and still it is a scam - you have a very powerful tool in matters like this, the word NO!

My guess is that you have been turned down by everyone else (the ones charging 30-60) and this is your last resort, but you just want to winge at someone.

Take some responsibility for your own actions, we have choices every day, if you choose a particular option - that is on you, not the choice you make.


Submitted by on Thu, 01/05/2006 - 09:49

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