2239875200 - Does this number belong to Cash Today Limited?

Glynnie

I did get a phone call last week and settled with them.

Sue

Recieved this e-mail after I e-mailed the cease letter - is this true - cane some one contact me via e-mail with a letter that will stop the calls? e-mail . Thanks
Quote:

Under the federal laws, cease and desist communication is legally applicable on the collection agencies only. The creditors are not bound to follow this rule. However, you can request them to stop communication with you. Some companies will follow it and some won't.

While dealing with Cash Today, you should call them back and request for an itemized statement of the loan account. You have to review your account thoroughly before sending more money. Send a letter in writing also for documentation.

Do we have any recourse to stop the calls at work - I go on training for a week and will not be there and I cann't afford to lose my job if they call them as much as they call when I am there. Any legal means to keep them from calling my owrk?

Jerry,

Looking at the present situation, I will make your supervisor aware about the activities of Cash Today. Since you are in the fair side, show them proof of your innocence. I think your employer will deal strongly with the company in your absence.

I sent this to Mr Warren - do you think it will help and I did let my employer know of the problem.

Quote:

Jerry, a lot of us will get inspired with this move from your side. You are definitely in the right track and with these evidences; you have the legal reasons to sue them on charges of harassment.

i am a person who worked for this company and so i know everything about this, this is a bull shit company so you could take the loan and then just vanish you dont need to ever pay them back give fake details and take loans and just loot this company mate

Laura - it's not that we don't want to pay - we just don't want the harrassment and the outrages fees they keep adding - when you try to pay them off they keep adding fees and not closing the account that is the problem. Legal companies in the US have rule to follow as we who use them have rules to follow.

They are ridiculous! Is anybody ready to file a class action lawsuit! I am! I thought i was the only one dealing with them! They call me as though i am their only customer!

This company is driving me crazy. I have been back an forth with them for over 1 year now. They have debited my checking account and caused so many overdrafts that I had to close it out. They call me at work all the time! I have tried to offer to send them the total amount in a money order and they told me I couldn't send it. I found out that they actually do business out of Canada, but have a US address in Nevada as a front. This address allows them to market to US customers. They never like to send proof for anything that they say or do. I reached a settlement agreement with them and the guy refused to send the settlement agreement in writing. I am at my wits end and would like to get information on possibly starting a class action lawsuit for harrassment. Their practices are out of line legally and I am ready to do something about it! Does anyone have any suggestions?

Well I am out. Joining tcrawford and Sue on the I folded list. Settled with them earlier this week.

I know its not the proper thing to do around here but it all boils down to how much stress are you willing to take? What are you willing to pay for piece of mind and to not be up worrying at night about it. How many months of you life are you losing with this stress? Not to mention all the lost productivity at work by getting stressed everytime the phone rings. Worrying about your reputation getting tarnished if it ever got out.

Good luck on the law suites and cease and dissest letters. If you have it in you then I applaud your efforts. As long as they observe the settlement and not try any BS then I will as well.

I know these loans are not kosher. I knew I would have to pay $148 per month until I paid back the principle and yet I still said yes. Just had to have that $200.

What can you do? Live and learn. I guess I am no Payday loan advenger. Its easy to advise on what to do unless you are in the trenches with these guys.

Mr T****,

I refer you to my previous e-mail.

Also, as the loan is covered under UK Law, the request you have made is not something we are obligated to consider or agree to. We will continue to make every effort to facilitate repayment of this account but as a goodwill gesture I have temporarily stopped the calls to your employment as I believe you may be away on training and we certainly do not want to jeopardize your employment, but this does remain dependent on successful contact at home or on your cell in the longer term.

However, if you are genuinely looking to resolve this situation, please call us on 1-800 680 2177 or agree a suitable time and number that we may call you and we will happily work with you to find the most satisfactory way to do so.

Regards

Darren W

Appatently they are monitoring this forum cause I never said anything about going to training except in this forum. I am not replying except by certified letter so I have a paper trail. Still no response from the NV BBB. Mr Warren if you are reading - I can be a very stubborn man just like your flunkies. Nothing but letters you will get from me. Jerry T :twisted:

That's one scary letter, jerry. It's like they know what you're doing at all times, isn't there a stalking law?
I can't wait to see these fools locked up!!!!

I think we might be verging on paranoid here, though I don't doubt that certain PDL companies are persuing this forum...BUT
how would they know who is who is these forums? Even if we used our full first name, i have never seen anyone's surname for their ID....?

Darren W is my collector there too.....I had some correspondence with him a few weeks ago where i sent him a letter based on one Polly provided that quoted the law in my state, the states they say they are in )NV) AND the UK laws...he jsut kept repeating that they and I fall under UK jurisdiction - like he had a block and jsut would not accept that they are breaking UK laws and I was on to it....Wild, right?

Hey guys, guess what? This is one of the loans I had, and was paid off back in September.

He called me at work yesterday and said that he has license in all 52 states in the USA...I said, "That's funny, since we only have FIFTY states. And if you're licensed here in Ohio, how come when I called the AG's office, and the Dept. of Lending, we can't find your license?"

If they are monitoring this forum, I'm sure they know it's me...Hi Guys! I'm begging you to take me to court. Thanks for hanging up on me yesterday too. That's how I know you're full of crap.

Jessi - you paid the loan and they lost record of it? Do they say you still owe on it even though you paid the $279?

I am so sick of this cr@p. So much grief over a stupid $200. I can see if we borrowed $1000 but its only $200.

Let me just run down how this place works. When we called them and gave them our ss# and checking account with the routing # and agreed to accept the $200 as payment we gave them permission to deduct $79 out of our account every 2 weeks until we paid back the $200 .


Stupid friggen thing to do but we basically agreed to let them take out $79 every 2 weeks until we paid $200 + the $79 no matter how long it took. I mean I called them and was stupid enough to agree to this they didn't call me or steal my account info.

Has anyone paid all the one or more $79 plus the $200 and still had them claim you still owed them?

Like I wrote before I reached an agreement with them to close out my account so I would like to know if I should be expecting any hassels.

hey glynnie
I think, if my recall is correct, taht any of us who took out a loan with Cash today ltd agreed to letting them withdraw 79.00 every two weeks as a FEE to renew the loan.

So their stance is that no matter how much mony they took, and no matter how long a period of time it went on, the 79.00 was merely a fee to keep the 200.00

I know, it sucks, and we all know it's illegal now and way over the ursary laws.

but they aren't really breaking their AGREEMENT as they see it..unless of course, they are still taking out money when you have paid the 200.00 in full

Does that help?

and these guys that work for them? Like Darren? I doubt that he is well versed in US laws ( why would anyone be in his position), so he is probably being told by his superiors that the contacts CTL hold with their customers are valid - and for the amount he probaly makes, why would he bother doing further research?

Please don't misunderstand, I am absolutely NOT defending cash today or it's employees.....i have had my own email correspondence with Darren that was very frustrating becuse he completely thinks that b/c they are in the UK - they are exempt from US laws and refuses to hear otherwise, including the fact that his company is breaking UK law as as well!)

I hate these companies as much as any of us here...but it is important to know what the original deal was, leagal or not..they more knowledge you arm yourself with, the better protected you are.

Hey guys! My name is Vicki I work for a cash advance place..I was almost scammed by this place today! I got a e-mail from them cuz i was trying to get a cash advance online,well the e-mail was written funny,so I was doing research and found this sight...I am so glad I didn't take the loan but they have called my cell phone 4 times tonight making sure I didn't want the loan...I told them to take me off their call list and the one guy hung up on me...Every time they call it comes up as a different number.Funny stuff,but anyways what they are trying to do cuz I work for a loan shark company is,They are basically refiancing your loan every two weeks..This is how they are making their money.At our company we do it to but you pay the whole loan off then come back the next day.They are just getting you for the interest until you can pay in full.Basiclly they are rolling over your loan for you. But the interest is unreal! For 200.00 the want to charge you 79.00. That is bull crap right there! for 200.00 at my loan company it is only 30.00 to buy back your loan! It is still alot but damn that is like 50% interest for a short term loan! I learned my lesson about the online companys today..So if anyone needs advice how this works let me know cuz I will tell you anything you need to know..Sorry it is so long..

wow vicky, thanks. we all like the inside scoop...but seriously, you should take a sec to register here, this forum is awesome

I'm dying to know: if you work for a PDL, how come you are not gettign a loan form your own company? that would be the true definition of a paycheck advance....are you not allowed to loan form your own comapny?

rkai - Yes I know the loans are illegal and would not stand up in court; However, you like I voluntarily gave all our personal info out knowing full well that they would be taking out $79 every 2 weeks.

Anyone misunderstand what they were telling you? Then why give out your checking acct info.

As it turns out I did save by defaulting and then settling 5 months later I just wish they would have called me sooner. Who waits 5 months? I thought this junk was over with.

Vicki - you don't want to borrow high interest to pay other PD loans. Just do what you have to do. Get the $279 deducted or send out your letters or whatever then never agree to anything so stupid again.

Why did we do it? Lots of talk on here on how awfull this place is but why did we choose to do business with these guys when all the signals were flashing? Talk to some guy with a heavy accent talking about a paperless $79 every 2 weeks loan and we were all like "Where do I sign" Admit your mistake and move on. Take some responsibility. Everyone makes mistakes.

If you check out the Federal Trade Commission's website, you will find a place there to file a complaint. They will respond immediately, based on federal law and the laws in your state. In some cases the harassment can be so bad that it ends up being sent to the federal law enforcement agency. In some cases it depends on if you are dealing with a collection agency or the creditor. Just go to ftc.gov and follow the links to the complaint area. They responded to mine in less than 24 hours. Also send the cease & desist letter certified.

Just a note that I have issues with Cash Today and they ignore the cease and desist letter and debt validation letter. They say because there was no paperwork with the loan that they can't send anything out. They don't do business by mail (they claim). Yesterday they called my work 14 times from 1:49 p.m. - 1:57 p.m. I came back from lunch to find my supervisor sitting at my desk with a log showing their phone number and how many times they called. I work in a pool so when my phone rings like that someone eventually gets tired of hearing it ring and answers it and when that happened the gentleman was very rude and the worker reported it to the supervisor - so now my calls are being monitored. I contacted the AG's office and they act like there isn't anything they can do. I owe these people and I have been sending them what I can but all I wanted was for them to give me a correct amount of what I owe and settle on one figure so that I know there is going to be a end instead of sending money and not knowing whether or not it's even putting a dent in the balance - because it seems as if the balance is significantly different everytime I speak to someone, someone might say it's $900.00 another will say it's over a thousand and another might say well you can take are of this today for $500.00. There's no end and the 14 calls in less than 10 mins was absolutely ridiculous, I had been out sick what I had still been out would that hace continued all day! It's a good thing I am a respected employee or I could have lost my job. Our phones are computerized and my supervisor can request at anytime a printout of all incoming and outgoing calls from my extension -this is what she did yesterday when the worker reported a problem with the call she took and my phone ringing every minute until the voice mail kicked in - what they were doing was calling and when the voice mail kicked in they would hang up and call again - repeatedly until someone answered it and then my supervisor requested the log to see where the call was coming from and whether or not it was the same number and it was, she was really upset - she said If I was having a problem I should have notified her but it really hadn't been a problem until yesterday and I really didn't want anyone to know my buiseness and think I don't pay my bills, when I just got behind in a few things when I unexpectedly had to use all my savings and then some for a funeral last year when my daughter passed away. :oops:

df
I am sorry to hear about your daughter, it must have been an awful time for you and I hope you are healing. Try to contact CTL and see if they will settle with you for the original amount you borrowed and if they will let you make payments that you can afford, we actually did and they accepted what we could pay them. Be strong with them and hold your ground. They are human and should be able to understand your situation.

Cash today limited is a pain in the rear. they all me so much at work I fear getting fired. the lady calls before the office even opens, then says I told her to call.

She calls about 5 times a day.

Hi, I also had a laon from cashtoday and ran into some problems. E-mail this guy darrenw @ cash2day4u.com (i saw his e-mail address on this site and gave it a try) he was actually quite helpful in the end and gave me a chance to get it dealt with, maybe he will help you too.

good luck

Link made inactive as per forum rules - Mike

Tell them foreign law is not valid in the US and that it is illegal to make internet loans in your state without a licence from the Department of Banking.

Hey guys....Yes I can get a loan from my own company and I do have one there...I got into to some serious cash advance debt..Yeah I really do work for a cash advance place..The interest believe it or not is legal..They can charge the max amount of interest that your state allows you to..I know it is a rip off and that's how the owners of these companys are getting rich! But with cash today I would think that there would be some kind of paper work involved..I have never heard of anyone not having to sign a contract. Me and my co-worker will call them just for the hell of it and hang up on them...lol...I don't even have a loan there and they called my work again,so i call right back and hung up...I think this company is truly a scam Probably not even licensed...Hopefully they will get busted!

These people took $200 out of my account wihtout my authorization. I called them to get it back and they claim I gave them consent and they have a recording. I asked them to play it and the "Supervisor" laughed and hung up on me. How can I get my money back? To date they have taken $558 from me.

Take the help of your bank and dispute the debit with Cash Today. Not all people have been successful in getting the money back from Cash Today, but you must do it for legal purpose. After the bank disputes the debits with Cash Today, the company is required to verify them. If they are unable to do so, the money should be returned back to you. If they don't, you have a case against them with proof. I will also insist closing the account before they carry on with further debits.

Cash today limited took out $395 out of my husband's account without his or my authorizations and guess what? The bank returned the money to us and we closed the account last week. Since payday was monday, i am waiting for the phone calls to start. I have not heard a peep from anyone there in weeks. Guess that will change soon. Since I do not have an account to give them, this will get very interesting. I really cannot worry myself with them. Since they come up on the caller id at work, I can inform the operator when a call comes in from that number, to inform them that I cannot recieve personal calls at work.

I wish I could remember the name of the guy I had to deal with there. They wanted a total of $500.00 from me. I had paid 100 and then the took another 100.00 the next day. When I called him back and asked why he did that he had some excuse. I told him he messed everything up, I needed that money and to put it back. When he said he couldn't I told him I wanted to pay my debt but now I am out another $100.00 and how was I supposed to feed my child and so on with my sob story. Well let me tell you, he fell for hook, line & sinker. I did want that $100 back but I certainly wasn't broke. Anyways, to my amazement he settled for $250. I paid him the 50.00 2 weeks later and my debt was gone.

A heads up about this place to anyone who has defaulted on a loan.

They apparently wait at least 4 months before initial contact to give interest and fees a chance to build up. Then they will hound you and home and work and will make an offer below the balance but still high enough for a good profit.

If you have defaulted with them and have not heard anything yet unfortunatly they have not forgotten about you - thats what I thought. Now is the time to decide and prepare for what you want to do. Either prepare for a lot of harrassment or settle as soon as you can so the fees do not get too high.

If you are indeed filing bankrupcy I suggest you have your lawyer contact them.

I suggest you document each call with the times, person and number where they can be reached. You can get all of this information easily by pretending that you are going to contact them back. Then you have one or two choices.. Ask to speak with a supervisor or tell them the next call you are making is to your attorney.

Documentation is key.

When I would get frustrated with the idiot that kept calling me and I asked for the supervisor - I got nothing. So I called back to the number they call me and who ever answered the phone claimed to be the supervisor. Then I hung up and called the same number back and asked for the legal department and they claimed they were the legal department. I do believe that the company is not following any protocol and if you email Dwarren and let them know that you will no longer deal with any calls or email and only thru certified letters to maintain a paper trail for court purpose the calls stop. As of this date I still have not received any paperwork verifying my loan and it's been three weeks since I sent the letter requesting the information.
Good Luck to all and if any one is serious about a class action suite sign me up. Jerry

I took out a $200 loan from them a year ago, guess how much they want from me now? $1701.00!!! This guy (Brian) said that he would be willing to "settle" for $800. I said I no longer have an active checking account. He wanted me to open a new one and give them the info. I said I could not do that. His response was "see if you can use a friends's account" NO LEGITIMATE comapany (creditor or otherwise) would ask me to do something like that! They were taking out the $79 way back when I started the loan even after I asked them to debit the whole $200. I ended up giving them like $600 after all was said and done. I finally said the hell with it and closed the account. Now they harrasss me at work constantly.

coffeefix

Has Cash Today put this deal in writing? I am sure they won't!! They won't like to have any proof of their illegal activities. You must report the FTC, BBB and the AG's office about their conduct violations. Cash Today Limited is not licensed here in US. I am sure they will be having a very hard time in the days to come because many consumers have already filed their complaints.

Cash Today has not given me anything in writing, and yes I do plan on reporting this company, although that action may not help any because from what I understand after reading posts on this forum- They are not a U.S. based company and as such are not subject to U.S. law. Although I did find out that payday loans are illegal in my state, which means that I should have never even been able to get involved with them in the first place.

I talked to their "so called" legal department one week ago. I told them to bring it on, I'm always looking for good entertainment.

Don't let them get you frazzled...Its just their tactic to get you to pay more money..Just like their bogus extra fees they tack on--i.e. a $200 loan turning into $1600.

I just spoke to the BBB of Nevada (renobbb.org)- they have this company listed as very unreliable and not do busines with them. :twisted: I filed a complaint with them (the BBB), they have yet to receive a response of any kind. I was also told to file a complaint with the FTC regarding this company - which I did. Please people - DO THE SAME - complain to the BBB and the FTC!!! Maybe with enough people complaining we can get these skum bags out of this country!

The more people who report them and their shoddy business practices the better. We need to stand up to these people, get them out of this country. But more important save other people from getting into the trouble we all have gotten into thinking this would help us. :-)

I have also called Cash Today and spoke to a woman who refused to indentify herself. She told me the only way to get information was to email Samantha at samanthasheathmill.com - obviously a bogus email address. Here are some of the email addresses I have:
samantha @ cash2day4u.com
darrenw @ cash2day4u.com

If anyone has their UK address - Please list it on this forum and PM me. That way an international complaint can also be filed with the FTC. Thanks!!!

I could be wrong, but didn't they a few months back say they weren't affiliated with Heathmill?

Yes Jessi, Cash Today is surely related with Heathmill. Have you checked in the pub section regarding the threats made by this company? They were pursuing legal actions against this site. But Vikas put a strong fight against them and as a result, Cash Today backed off. They never had any leg to stand on.

Prabably - but that is whaat I was told not even 2 hours ago. And the lies just keep on going.

I should also advise people wot check your states laws in regarding to the fees that any payday loan company is LEGALLY allowed to charge you. They have to adhere to the state laws - you will be very interested... According to MN state law the MAX asmount they can LEGALLY charge is 7% and no more.... I will be searching for a lawyer to see if someone wants to take these people on.

I know, that's what I'm saying..That big deal from Heathmill saying they weren't Cash today, and they were going to sue, blah blah blah...lol And then they go and say my e-mail addy is "blahblah@heathmill....Idiots..lol

The email I got wasn't even @heathmill.com it was samathaheathmill.com - that is how stupid their people are!! I asked her at least 3 times, she refused to give any other address or even get someone who could speak clear English! Something needs to be done about this company.

I got the same e-mail originating from Heathmill.

Jess - you are fortunate to work in a casual atmosphere. I suppose CashToday would be quit entertaining if I did not work in such a staunchy place. It would be wouldn't it? So what then if they called 30 times a day. On the 21st I would pick up and say something like "I missed you in the past 4 mins - where have you been"

May as well have some fun with it - please keep us posted.

Glynnie--I was saying that them taking me to court would be good entertainment. The guy from the State of Ohio said that they would be arrested if they took me to court for 1.) lending in Ohio without a license, and 2.) charging interest higher than what is allowed in Ohio.

That would be quite entertaining. They would be arrested here in NJ too. They do not have a license here either. I have not heard from them in like 6 weeks.