ex employee of cash today ltd revealing key information
Date: Sun, 10/16/2005 08:43
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.
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
If u have filed for bankruptcy, just fax the papers to 18006909925.
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)
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 bastards.
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.
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)
If the net income is less than USD220 per week.(its better to tell that u get atleast usd 500 irrespective of payfrequency)
If u dont get paid by direct deposit
If u r working at ur work place for less than 3 months.
Dealing with COLLECTION agents(useful for people who already defaulted pymt)
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.
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.
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 U HAVE ANY QUERIES MAIL ME ON cashtodaycollections(at)yahoo.co.uk
I will defenitely help u out.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.