ex employee of cash today ltd revealing key information

If it is true then it is very worth info,

See the dispute at http://forums.debtcc.com/forums/cashtodaylimited.html

I found these disputes as well

http://www.debtconsolidationcare.com/forums/about4097.html

http://www.debtconsolidationcare.com/forums/cashtodayltd.html

I checked this site, it is not existing, I saw few more posting where you were asking for more employees, like gumtree.com/cgi-bin/frame.pl?content_url=http%3A//www.gumtree.com/london/49/3077849.html

This site is a good place to put such things provided it is true, do they have their company site.

Here you can get some information on the company:

Harassment issues with the company, Cash Today Limited

http://forums.debtcc.com/forums/cashtoday-details.html, here is another discussion, looks like this site has complete info on this company.

So if a person who only gets paid $8 dollars a hour and works about 30-34 hours per week they would not be able to get the loan huh but if you have commision they doesn't count either huh?Cause I believe that was very worthy information and I think I might have had a loan with these people or tried to get one but was rejected I really don't remember I was just curios though cause if this is the same company they rejected me for a payday loan awhile back cause I didn't make a certain amount in hourly!Hmm just curious but thanks for the info. though :wink:

I have a charge against cash today ltd. they have been taking the $79.00 processing fee out of my account without contacting me. I was out of the country and assumed they had paid the loan off through ach account. I have recorded 9 entries of $79.00 being deducted. How do I approach this and what is a direct e-mail address for them.

Hi othelou3

Talk to your bank. They will verify this transaction with Cash Today and most likely, you will get a refund if it is not a valid one.

You can also dispute with Cash Today at the following address:

Cash Today Limited
1005 Terminal Way Ste. 110
Reno, NV 89502

Darren Webb, Customer Service
Phone Number: 800-680-2177
darrenw(at)cash2day4u.com

Does anyone know if Cash Today accepts moneygrams? I borrowed $ 200.00 and now they say I owe $ 490.00. I want to pay back only the amount that I borrowed; not $490.00. I was told by a rep at Cash Today they only accept prepaid money cards. I want to get these people off my back. I will never deal with these type of loan companies again.

Happner

The financial institution will charge you with the interests and other fees due to which they have granted you the loan and you will have to pay it.

But before you pay them anything, contact your lenders and ask them to give you the statement showing the complete break up of the amount. They will have to show the principal amount along with the calculation of interests and other fees.

Send your request through certified mail with return receipt requested. This will help you to track your correspondence done for later proof.

I have heard this company accepting payments through money gram. However, please confirm this with their customer care cell.

Regards
Roxette

Hi Guys I am also one of the ex employe of Cash 2day and I want to convey some information to all the readers.

There is a new pay day loan company with the name INTERIM CASH LIMITED. This company is also owned by the same Management, infact they have just changed the name to Interim Cash limited from cash today limited.

The reason for changing the name is that now most of the customers are aware about standard of Cash today, so to suatain in the market and to keep on fooling around with you guys they have changed their name.

Their number starts with 877 - .. sorry i forgot the number.

So be careful before taking any loan fromCAsh Today or Interim Cash.

When you apply for this loan with either of the company the sales person will tell you that "since you have applied for the first time you can get only 200 and next time you MAY get approved for higher amount". Thats a lie, the maximum amount they give is 200 and nothing more than that.

HEY I CAN GIVE YOU E_MAIL OF THE BIGGETS BAS***D the big boss. HIs name is Aaron and e-mail is

aarong(at)heathmill.com now i need not tell you what you have to do next.......

Angel, thanks for the update. You might know that this company has scammed so many people and is always hunting to catch its prey. Do you think this company has the legal papers to do the business? Do they have a valid license? It seems that neither of the countries is willing to take legal actions against them. And this helps Cash Today in scamming a large number of people.

An opinion from you on this company will help a lot of people in understanding the facts.

has anyone ever had problems with getting a loan from these folks and then paying the $279.00 right back?
I hope they are not simply stealing money after the loan is paid off?

Len

Do some more research on Cash Today. It won't be correct to say that you too will have problems dealing with them. But, looking into the situation, and hearing from most of the people, this company has been doing illegal things on people's bank accounts.

There are numerous complaints of Cash Today making unauthorized debits in the checking accounts. Even worse, incorrect or large amount of money is taken out from the accounts. Lots of consumer complaints are still pending against this company and the people are being scammed regularly. Be careful if you are planning to do business with them.

If you really have to borrow money due to hard times, there are better companies to deal with. Do some research in the internet and get some opinions from the DA’s office. I am sure you won’t like to see yourself being scammed by Cash Today.

I, like yourselves, have taken out a $200 US loan with this company. Over the phone I was told my account would be debited the $ 79 finance charge for the first three pay cycles then they would debit my account for the full amount thereafter.

Needless to say, I was involved in a automobile accident which left me hospitalized for quite a while. By the time I was out, the company debited over $ 1,000 out of my bank account in accrued fees.

I was already in debt up to my ears in medical bills so I called them up. I spoke to Michael. I advised him to please have his company stop debiting money out of my account since I have already paid more than my fair share. After arguing for over 10 minutes, we agreed to just debit the full $ 200 and we would call it a day!!!!!! Whew.

Anyways, 6 weeks later, I noticed the $ 79 out of my checking account again. Angered, I called them back and spoke to Michael. Michael advised he does not remember our previous conversation and that he will not cease the debits unless I agree to pay the $ 200 loan over the phone via credit card. Michael seemed unmoved by my position and said sarcastically they'd continue to debit money out of my account if I was unwilling to pay the full amount over the phone.

These guys are sharks! I cannot afford a lawyer right now and I'm not in the best physcial condition to go out and eagerly fight them like I would while I am in this condition.

Hi DeezNuts

Welcome to the forums.

I am sorry to hear about your situation. Many people have already faced similar problems with Cash Today. I will advice you not to deal with this company in the future.

At present, the bank must be having the details of your money withdrawn by this company. Explain your situation and request them to dispute with them. All the transactions will be verified and they will be forced to credit back the excess amount.

Do all your correspondences with the company in writing. Verbal communications are not at all helpful and the person can back off from his words anytime. Keep a follow up on the phone. Send all your letters certified with return receipt requested. This time, I can assume that you will get positive results after you have placed the items on dispute with the help of your bank.

Regards
Roxette

Sorry I couldn't reply on time. CAsh today or Interim cash limited does not have any license whatsoever. their product is illegal. In case of any dispute just tell them to fax documents proving that you have taken a loan from them, they would say we have the recordings of the sale etc. etc. They will not send any documents to you, nothing is on paper, so just try to claim the refund through bank, let them prove to the bank that you have taken a loan from them, They cant prove it.

If you change your bank account or are able to block their transactions then they cannot do anything to you.
They would threaten you that your file will be forwarded to 3rd party debt recovery agency, Investigation dept or Legal dept. Don't worry at all.
These departments are just for name sake. They are all collection agents working on the same floor using different department names just to fool around with you.

Most of their employeees are either illegal migrants or working on a student visa. Students work for cash today because legally they can work for only 20 hrs but with cash today they work 50 hrs per week instead of 20 hrs.
Infact their sale manager Sandy (Sanddep Chauhan) and Collections Manager (Ravi Kyoda)too are students working full time.

Well if they are caught the company will be fined 5000 pounds per illegal employee. and there are atleast 100 illegal people working.

I do not know why UK Govt or the Home office (IND Immigration and Naturalisation Dept is not taking any action on them? Are they not aware about this? If not then make them aware.

Cash today doesn't mention National Insurance Number (NI Number) {which is equivalent to SSN (Social Security Numbe} of the employee in the payslips. There is a very big scam going on and UK Govt and the US Govt are sleeping. I cannot belive such thing can happen in first world countries like UK and US.

Why US Govt is not taking any steps to protect their innocent citizens, they are literally being robbed.

My dear friend I have done whatever I could, now its uptto you, unite and present your case to the concerned authority.

Wish you good luck

Angel

Cash today will not send any documents to any one neither they will acknowledge recipt of any document as their entire product is illegal, and thats the reason they are hiding in UK

Angel, you are correct. Cash Today claims them to be a paperless and fax less company. They won't send any documents to the consumers. But I heard from one of their customer sometime back that he got the statements after requesting for it many times. He genuinely sounded to me like a customer so I insist on placing the request. Maybe someone again will get the required details of his loan account.

But ultimately, the unauthorized debits made by Cash Today should be disputed with the help of the bank. That's the only way to get a possible refund from the company.

Also, people should file their complaints with the FTC and the BBB. Place your complaints at the local AG's office and cover your legal basis.

Angel posted the comment below in another thread. I thought to paste it here as well.

[quote=angel]Cash today, ICS and interim cash today are managed by the same company heathmill.com, They ar big frauds, they just keep changing the name to deceive the customer. Call Centre is at North London the address is Northway House, 1379 High Road, tottridge and whetstone, london N20 9 LP. Its not in India or Middle East. I know this because i am an ex-employee.[/quote]

I think I must have been lucky when I dealt with ICS, of the 3 people i dealt with two were even nice...Go Figure on that one, I guess thats what i get instead of winning the lotto, by the way don't you need to buy tickets..

Seriously though, with ICS I did change my account numbers and I did not fall for their scare tactics. I also did try and follow through on my arrangements and eventually got it paid off. I have to say that I am both glad and dismayed that I took care of that before I found th is website. I consider myself very lucky that I did not get taken for a ride by these creeps. Regarding Heathmill, i have done some research and it seems to be an ecommerce company.. web hosting etc... I think the real scum bags are someone else. It would be interesting to trace the mail drop they have in delaware if one could... perhaps if fraud is occuring the postal inspector could be another avenue to pursue.. okay enough rampling

Is this all true?

It has come to our attention that not only have misrepresentations been posted on this website, but also serious false allegations made by someone purporting to be an ???ex-employee'. Due to the libellous nature of this content, the points below should help concerned members of the forum.

1) Heathmill is foremost a Software House. Due to the diverse nature of its clients, it also does provide extended services, including design, marketing and customer service. By providing both bespoke and off the shelf software, we cater for a wide variety of sectors. Its clients do include International Financial Services companies, all of which are separate entities to Heathmill and are not linked to each other as far as we are aware.

2) We benefit from a culturally and racially diverse workforce. We also have a very strict employment policy that we follow where all new recruits are required to provide full disclosure on their legal status. Whilst like all employers we are to a certain extent reliant on the full and frank disclosure of information by individual members of staff, we make every effort to ensure that all staff have appropriate credentials to work. We comply with all UK employment legislation. This also applies when employing staff for client services.

3) Where possible, all workers are requested to provide their National Insurance Number. However, failure to provide a National Insurance Number is not grounds for refusal of employment. The UK does not require any legal obligation to have or hold a National Insurance number. All tax and National Insurance deductions are still processed and passed to the Inland Revenue, however, if a member of staff fails to provide their National Insurance number, then they will not receive the benefit of those contributions should they wish to make claims on the State.

We have currently engaged an external investigator to determine the source of these libellous statements. When, as we believe we will, we establish the perpetrator we shall take action in respect of malicious libel.

The above should clarify any misgivings or doubts concerning the relationship of Heathmill, its clients and its staff. Should you require to contact any of the clients, please do so directly, all communication received is merely forwarded on to the appropriate party.

Yes guest, it seems that you have made a loan agreement with ICS. Read more of other people's post here and understand the consequences of taking loan from Cash Today.

I will suggest you to stay away from this company. If you have applied for a loan from the, call the customer care and cancel the loan agreement. You will avoid a lot of hassles in the later stage.

Well finally Heathmill has shown some courage to reply. Good, keep it up. This forum neeeds your answer on following questions

**************************************************
HEATHMILL SAYS
1) Heathmill is foremost a Software House. Due to the diverse nature of its clients, it also does provide extended services, including design, marketing and customer service. By providing both bespoke and off the shelf software, we cater for a wide variety of sectors. Its clients do include International Financial Services companies, all of which are separate entities to Heathmill and are not linked to each other as far as we are aware.
************************************************
ANGEL -
You (Heathmill) claim to be software house.
Could you tell the forum then The Building NORTHWAY HOUSE at post Code N20 9LP in North London belongs to whom? Who is Aaron Garschfield ? How is he associated with Heathmill and Cash today? What does he do sitting on 10th floor of Northway House?

Who are Den and Darren? What do they do at Northway House?

What do 100 collections agent do sitting on the first floor of the Northway HOuse? - (Thats Cash today's collections department)

What do 40 odd people do in the basement of NOrthway HOuse? (Customer Service and verification department)

Sales department is on 3rd floor.

Why do Aaron calls these people frequently to his cabin?

Why do their email id end with @heathmill.com?

Well there are many more questions to come, i think thats sufficient to start with.
Let Heathmill reply and then we will take it from there.





***********************************************
HEATHMILL SAYS
2) We benefit from a culturally and racially diverse workforce. We also have a very strict employment policy that we follow where all new recruits are required to provide full disclosure on their legal status. Whilst like all employers we are to a certain extent reliant on the full and frank disclosure of information by individual members of staff, we make every effort to ensure that all staff have appropriate credentials to work. We comply with all UK employment legislation. This also applies when employing staff for client services.
&
3) Where possible, all workers are requested to provide their National Insurance Number. However, failure to provide a National Insurance Number is not grounds for refusal of employment. The UK does not require any legal obligation to have or hold a National Insurance number. All tax and National Insurance deductions are still processed and passed to the Inland Revenue, however, if a member of staff fails to provide their National Insurance number, then they will not receive the benefit of those contributions should they wish to make claims on the State.

***************************************************

ATLEAST 90% of employees of HEATMILL who are working for their campaign on Cash2day are student.

Again to startwith i ll just mention two of their so called MANAGER'S names (I can provide more than 100 names if required) WOULD HEATHMILL PROVIDE THEIR VISA STATUS

Collection's manager RAVO KOYADA and Sales Manager Sandeep Chauhan (Sandy).

Heathmill never asks for NI number they don't even check the passport and the eligibility to work in the UK.

Well Heathmill all the members are waiting for your reply.


To other members of the forum.

Over collective effort is definately yielding results.
From yesterday heathmill is asking their employees about their visa status and it did not employe some students who had come in for the interview.

But the main purpose is not served. What about the so many customers who have been litrally robbed by Cash today?
Heathmill is checking the visa status etc of their employee only because it is based in UK and it has to abide by the UK laws, still it is least bothered about the customer.

I do not want to divert the discussion to the eligibility to work in the UK of cash today employees, this was just to show you, the true colors of Cash toady and heathmill.

As Roxette has said the customer's should approach their banks to claim the refund, let Cash today prove that you have authorised them to take the money from your account.

I donot know what FTC, BBB and local AG's are, but as Roxette has advised, lodge your complain with these authorities that seems to be the only option available at the moment

Angel

how can i contact these people so they will take their money

msadams, read some more posts in this thread and you will get the required information you are looking for. You have to contact your bank and place a dispute with ICS.

What is their mailing address?

Cash Today Limited
1005 Terminal Way Ste. 110
Reno, NV 89502
Phone Number: 800-680-2177

I have tried to get the paperwork for my personal loan, and I dont have anything. I did get a reminder e-mail from them, but so far no money. After seeing this forum, i am really worried. I live paycheck to paycheck, and I cannot afford to loose any money.

what do I do now?

Wow Angel. A well known sports radio station where I live has a name for someone who has a real strong opinion of someone/thing in the world of sports. They call it a "Hot Sports Opinion" because it's a point of view that really grabs you. The things you've said about this company would rate as a very "hot sports opinion." If these guys aren't on the "up and up" and both governments aren't aware of their practices, then we're all in a heap of trouble. What's to stop these folks from debitting from our accounts in the future by using your SSN#? What's to stop them from tracking us down? We can change banks all we want, but it makes my skin crawl to know that people like this have my information. Oh well, you live and learn. Thanks for the information.

Lynn, monitor your bank account closely and make your bank aware about this situation. They might stop the company from making any of the debits in your account. Also send a letter to the company and request to cancel your loan application. Get it in writing and keep a follow up over the phone.

I need to get a prrof of what I owe and confirmation of payments although the mail in my area takes forever (a few weeks-month) would an email hold the same power as a mailed letter or does a fax? HELP!

CarlaW, if there is a need to prove the fact, make sure that you have the email printed in paper. I will also suggest you to do the same correspondence through postal mail also because that sounds more powerful.

I have now become a victim of this scam... I called Cashed today and told them them that they have been satisfied above and beyond my orginal loan amount and they hung up on me. I filed a complaint with my bank today. hopefully they will be able to help me recover the money that CASH Today wrongfully took from me. I wish I would have found this Forum before I took the loan out with them

Jessica, you are not alone here because Cash Today has done such activities on many other consumer accounts. The customer care reps of CTL are also not professionals and they are not bothered about anyone's accounts. Your bank can only give some help to you by disputing with the company on the unknown debits. I will be very happy if you can get the refund from the company. You might also like to change your account number as CTL is having your personal information. Put your complaints against the company at the local AG's office as well as the FTC and the BBB.

MY DEAR AARON, IAN, DARREN & YOGESH,

Everyone is awaiting for your reply on the questions that I have asked you. If Heathmill is not associated with Cash Today or Interim Cash Limited, then why don't you reply my questions?

Angel.


Dear friends,

I am sure hence forth Heathmill is not going to reply any of my questions BECAUSE THEY KNOW THAT IF THEY FIRE EVEN A SIGLE BULLET, I WILL REPLY WITH A MISSILE.

The update is that their collections manager Ravi Koyyada and Accountant Shripal Have been deported to their home country.

Please be awrae thet INTERIM CASH LIMITED AND CASH TODAY are one and the same, they have changed the name because there are many court cases pending against them. The main mastermind Aaron Garschfield is bankrupt so he is running the show on somebody else's name. Its difficult to trap them if not impossible....

Angel

believe it or not, of all the payday loan companies that I am working out payment plans with, interim is my favorite. It's like they just don't care. The guy I talked to the other night was laughing and joking with me. Unreal. Maybe they made enough money from me? They're probably about to change their name again because people are onto them.

I borrowed $200 and then my mother died and I got into a money cramp and couldnt pay interim cash the 200 back and now they are telling me I have to pay them 700! What? Can they legally do anything to me seeing that they are in a different country? If my paychecks get garnished I will lose my job. Can anyone help?

JENBORROWED$,

Who called you up ??? your creditor or a third party collection agency?

Have you signed voluntary wage assignment while getting the loan? If yes, cancel it. Also inform your employer about the situation and ask them not to honor any such request from them.

Wage garnishment is a long process and your creditor has to win a judgment against you to garnish your paycheck. Meanwhile try to work out a suitable payment plan and close the chapter. Payday loans are very very costly.

Read this thread to know your rights with Wage Assignment and Wage Garnishment in details-

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

You can consolidate your payday loans too. Register with this site so that forum members can help you with useful information. Keep us posted.

Thanks for the reply. And to answer your questions, the creditor called me, well what they claimed to be their 'legal' department. And I am not sure what a voluntary wage assignment is.

it is where you voluntarily agree that they can garnish your wages (actually its more like assign them to you creditor) Jen do Three things immedaitely 1) talk with your bank and change your checking account numbers. 2) get thier fax number and fax them a letter stating that 1) you are hereby revoking and presumed wage assignment immediately and 2) state what payment you can afford to make and when. 3) let your employer kow whats up and give them copies of the letter showing the assignment being revoked.

Also, most states prohibit you from being fired if your wages are garnished unless it has happened so often over a given period of time.. and their are serious questions about the legality of Cash today abnd their wage garnishments.. Read the thread stanley gave you it is full of good info, and ask any questions you may have. Pm any of use for help and we will do our best

Hi Angel, Thanks for all your wonderful input.
I was just wondering if Cash Limited goes by other names such as Cash Transfer Centers, Northway, etc. On my closed bank account, I found out that the bank did not close the account for some reason and a few days later Northway Debit attempted to take $315.66, $315.67, and $315.67 on the SAME DAY. The phone numbers that were listed for these companies are 285-662-5213, 285-662-5214, and 285-662-5215. This was on my bank statement. Any idea how to nail this company and get my bank to refund me the NSF fees that added up to $827?
Thanks!

You two cats who used to work for Cash Today? A big thank you for your assistance in this!

i also got a cashtoday loan from hell i have paid the extension fee well 0ver 500 dollars and they still wanted 200 dollars. my question is to you when they send you emails at the end it has your contact information i deleted it and put a different work number on there so does this mean that my real work number is earsed from their system please let me know i am very worried

Cash today used to send me reminder emails. They no longer do and I need the number so I can call to have them take out the full amount I owe them. I cannot find them on the internet. Can anyone help me?

Do not worry about wage garnishment or voluntary wage assignment, Cash today / Interim Cash is just using these words to create a fear in your mind in order to get the money out of you. Their strategy is to keep harassing you at work place and finally you would pay the money cos you don't want to lose your job. If your employer is supportive and you change your bank account, there is no way they can take the money from you. I repeat they do not have any recourse on you as the product itself is illegal.


Moderators please note - This is angel - somehow I am not able tp post reply with my original name angel. I am getting a message that this name has already been taken. When I posted first two messages, i neither registerd on the site nor i entered any password. I will just keep on adding l to my name unless you give me an alteranative.

Angel, it seems someone else has registered here in this forum with the user name Angel, that is the reason you cannot pos with the same name any more. You have to post with a different name.

Register with this site and get a fixed name.

I have gotten a cashtoday loan for 200 dollars and i have paid back way over 500 my question is do they keep the work number you gave them if you have chagned it with them they keep calling my at work and i work in a nursing home my boss is getting really upset so i changed my number a few days ago someone please help me

Since you have paid the loan back why are they still calling you? Send them letters, fax, emails and ask not to call you any more. Are they offering loans? You can ask them to put you in the not to loan list.