2239875200 - Does this number belong to Cash Today Limited?

I thought you had to have a judegment against you and a court order to have your wages garnished for unsecured debts. Getoffmycloud, you should contact an attorney and find out for sure. Tell them your story because Cash Today may have illegally seized your wages. Besides, how do you know if the amount they took was what was legally owed to them?

wage assignments are a little piece of paper you sign usually when getting a loan.

Garnishments are court ordered. Assignments are not. So your payroll department...if they're smart and know about the laws regarding them, can simply deny it.

I keep reading that wage assignments have to be signed in person though. So you might have a case if you're willing to pursue it.

I have notified my payroll department to no longer honor these type of deductions. I am not sure if it is worth fighting for now. I just want them to stop harrassing me. At least this way, they can't lie and say I haven't paid them this week. I hope everyone else have a good weekend.

You too have a good weekend :D

And trust me everything will be fine at your end. There is nothing to worry about it. Life is a composite picture of some ups and downs.

Getoffmycloud,

Did you find out if the payment had been sent out already? Your payroll department should not have honored that deduction. I would also find out what was sent to them. Your employer may have this confused with a court ordered garnishment and think that they would be liable. I work for a payroll company, so thats how I am familiar with some of the in's and out's of this type of stuff.

You have a great weekend too!!!:)

I just got paid today and my payroll department is off until Monday. I have the amount that was sent to them. Thank you! What I can try to do is see if someone in human resources and check it out but knowing my job (been with them for 10 years!) I doubt it. There is one person who does it and she is off until Monday.

I am really sorry to hear that. Is your payroll outsourced or is it processed in house?

The thing is that I paid most of my bills except my phone bill and now that has been disconnected. It totally sucks! What are you going to do though? I sent out an cease phone contact letter a week ago. I haven't received the confirmation back yet. The postal website isn't the best as far as accurate info either. I found this out on a package I was sending. I just hope they don't bother me at work since I work in an ER. They had all the lines of the ER tied up so then it transfers over to the main switchboard. I had to call the local police department and he had to argue with them. He told me he knew he was harrassing me and didn't care. I was just asking him to call me at home or for me to get a number to call him back the next day. He would not do either. The one thing is that I am working shifts so that by the end of the month I will NEVER have to go through this again.

I wish I could do the samething. Unfortunately I dont hazve anyone to watch the kids. At the same time I cant afford for the phone to get cutoff because i have to get a hold of my oldest in the afternoon.

Payroll is inhouse.

GetOffMyCloud, you should have never had to go through this in the first place. I cant beleive they would jeopardize other peoples lives by repeadidly calling the ER that you work at. If at all possible, next time they call and you can take their call, tell them that that they are being recorded for legal purposes and that they are to immediately stop calling your place of business. Dont engage in any futher conversation, just hang up. If worse comes to worse and they wont stop on their own, then call an attorney! Explain what is going on. Filing a lawsuit against them will STOP them from harassing you, which is the most important thing.

I sent out the cease letter over a week ago and I haven't had any messages left. I did tell them to not call me at work but only at home. They wanted their money that minute. I am sorry but I didn't feel comfortable giving them my debit/credit card info over the phone. I told them I worked in an ER and they didn't care. I hungup the phone, they called back. It was so bad EVERYONE in this department was answering the phone and hanging up. It was close to a hundred calls logged in a half hour time. It was embarrassing. I was in tears. I have an excellent work record. I told them they were harrassing me and they laughed and said "I know". They have told other people my situation. I had to call the local police department which they sent over an officer who had to ARGUE with them to stop. The nursing supervisor for the whole hospital also notified the local phone company. My payroll department said to me today that what they did was legal by asking to get the deduction taken out of my pay even though I wasn't notified of the amount. It wasn't a court order either. The thing is what type of lawyer do I look for to represent me?

Getoffmycloud,

What type of document was sent to your payroll department?

ive been harassed by Cash today Limited to a point where ive been in tears ... I almost lost my job .. they spoke to my supervisors ... my family ... disclosed all sorts of information ....

finally i called in and let them have a piece of my mind ... but they were so rude and wouldnt listen ..

finally i was put onto someone named David Miles ... he was like a breath of fresh air ... he was very polite .. gave me a discount and sorted out my case for me ...hes colleauge Lennon Mathews was very nice as well ... everytime I have an issue and I ask for them they say their extension is busy or they are out for lunch ... but when i tell them ill hold .. they pass over the phone.

Dont speak to anyone else over there ... they are all rude and obnoxious.

Pamelab,

Thanks for sharing your story with us. It is always nice to know that there are still decent people in this line of work.

i found some more information on nevada attorney general website and also found an article on payday loans, they had a specfic website for complaints on payday loans and that is:/www.fid.state.nv.us. people try to post some of your complaints on there

I haven't been able to see the document yet. They were not in the office on Friday and it is now the weekend. I have emailed her and asked for a copy. I will let you know as soon as I receive it.

I dont recall that you mentioned it before, but what state are you in. The reason I ask is because state laws override federal.

Arizona

Although the your company states it was not an actual wage garnishment, I would get with a garnishment lawyer. I am sure that they can do a free consultation so that you can explain your case. It wouldn't hurt to try.

Wage garnishments and wage assignments are 2 totally different things. From what I have gathered, involuntary wage assignments were done away with in 1985. This means you can take back or void your wage assignment.

Not only that, the wage assignment has to be signed in person. Electronic signatures that are usually "stamped" with your social security number and printed (typed) name cannot be used.

I agree with Rhonda...you might want to seek more advice, perhaps from an attorney if you're wishing to pursue this matter.

pamelaB,

Do you have the number you called, to speak with David Miles and Lennon Matthews @ Limited Cash Today. They are a pain and I cant wait to get them off my back.

Thanks

You can contact Cash Today Limited at 800-680-2177 / 800-670-4705

Their address of operation is

1005 Terminal Way Ste. 110
Reno, NV 89502

BBB states that the consumers were not satisfied with the company's response.

oh and another comment regarding the wage garnishment. I read on another board that through Sonic Payday--- check your original loan documents, you sign a wage assignment form, and from my understanding it is valid and legal. Its the only way they can garnish your wages short of getting a court order...

Actually I just read the loan agreement with sonic payday and it does not state anywhere about a wage assignment. There are some companies that have the clause in there but it is not in my documents with sonic. As mikey said, with a wage assignment, you can revoke it unlike a garnishment where it has to go through the courts.

I just emailed the State of Nevada with my story and told them that I have the documentation proving harrassment from this company. I have also paid $554 for a $200 loan. This needs to stop and I don't want anyone to go through what I did. I do have the police report and a letter from the hospital superviors, phone company, and other employees of what happened that day. I have received my receipt back that they have signed for my cease letter. I am getting a copy of the wage garishment to have a lawyer take a look at it. I haven't heard from them since they received my cease letter. I will let you guys know what happens. I have paid my debt and they need to be stopped.

GetOffMyCloud

Very smart move. We all should be aware of our consumer rights and take preventive steps so that such illegal activities can be averted.

No one should have to go through what I have and I will do what I need to do to make sure that I can help. The thing is that they were trying to get me fired and it is NOT going to happen. I have an excellent work record with this hospital for over ten years. My reputation has not been ruined. I have numerous people who are behind me that will help me if necessary to tell that it was out of control with the phone calls. I sent something to the BBB also. I am not sure if anything will come because of that. Just trying to help.

BBB and other government agencies can only take actions after it has received numerous consumer complaints. So, I request each and every one who has been suffering without any genuine reasons to file their complaints at the government agencies. I am sure, it will be heard sooner.

Ben, thank you! I will file a complaint tonight with them.

Yeah, keep us updated. We can help each other during times of need.

getoffmycloud, he am in the same situation and i owe $500 for a $200 loan, it is ridiculous

I have already paid $554 for a $200 loan. They want me to pay over $500 in addition to clear up my account. I would settle with them for a smaller amount especially after the harrassment and embarrassment I have gone through. I am not asking to get out of this debt right now just to be able to settle with them on a appropriate amount.

well just as i thought, looks like this john mcglamery the deputy that posted his information a couple of days ago cannot do much for this company, i emailed him today to give him so more information to help track down this company but he responded to me with this message:
Thank you for your assistance. The attorney for Leads Global Inc. a
Nevada corporation physically located in Great Britain (Leads, England)
is the true name of Cash Today Limited. The collection calls are not
coming from Nevada, so the jurisdiction of this office is going to be
limited to Nevada residents. Although this office could work to shut
down the mailing address, this office has no power to stop deceptive
trade activities originating from overseas. However, I warned the
attorney about the provisions of the Fair Debt Collection act and the
provisions of Nevada law with regard to debt collection. At this point,
there is little more this office can offer. You are highly recommended
to contact the FTC which will have the ultimate jurisdiction over this
matter.

John McGlamery, Deputy Attorney General
Bureau of Consumer Protection
100 North Carson Street
Carson City, NV 89701

Thanks for the update chyna26. A lot of us may need to check into other companies like this, because the same laws may apply.

i can undrstd yr grievences abt the calls. nxt time u get a call u say any of foll. u worked in the company fr less then 3 yrs. or say u dont get paid by direct deposit or u say that u r self employed. they will say they cant gv u the loan and will burn the cal (rem. u frm system)
but let me tell u the person calling u is also helpless. its the sys. dialing and he is also siting there earning his living

Guest

I don't think anyone is trying to take out a loan with Cash Today Limited. Instead, they are having problems with your collectors who are calling such a harassing way, that it's not getting anyone anywhere.

-Mike

I am still waiting for my payroll department to give me a copy of the wage garishment that they took over a week ago. I was able to talk to my supervisor. I was on vacation and then she was. Cashtoday contacted her regarding my unpaid balance. She didn't go into details regarding the conversation but did tell me that she went to human resources. She talked to them regarding the phone call and what happened to me with the hundred of phone calls. They filed some kind of complaint regarding this for harrassment and Cashtoday telling them my situation. Cashtoday told my supervisor and others personal information which is illegal under the fair collection act. It seems that my phone calls have stopped since this. I am not totally sure if it was because of the complaints that have been filed and/or my cease contact letter also. I do have the support of my department and supervisor. I am grateful and lucky for that.

darren webb the person supposedly in charge of cash today limited finally responded back in regards to my complaint, he sent the e-mail to the female who was investigating or examining the claim and copied the email to me, he explained things about my loan to clarify what i owed and also stated that he has put a temp restriction on calls and so on, but he also noted:
As previously explained, we are not bound under the FDCP Act as we are UK based and we are the Creditor, not a Debt Collector.

It is also agreed in the verbal terms and conditions, for which we require a verbal signature, that the loan would be covered solely under the laws of the UK.

so sounds like they are saying that they can do whatever and whenever

Hi chyna26

Did you inquire about the office of Cash Today listed in the BBB which is operating in the mentioned address?

CASH TODAY LIMITED
1005 Terminal Way Ste. 110
RENO, NV

It seems that whenever charged against legal disputes, they bifurcate themselves to the laws of UK. So, what is the office in Reno for?

hi ben,
the deputy that posted his comments a week ago on this site and had been working on investigating, but check my previous comments on page 9, apparently he states that the reno address is just a mail drop and that he could shut that address down but the calls are coming from uk and the only person who might have authority is the ftc. so basically as it seems he cannot do anything about it either. he says that they have employees at the mail drop address which is 1005 terminal way ste.110 but that is not where our problem is

I agree. After your update, I assume that even if the mail drop is shut down, it won't end our sorrows.

hi this is one of the sales operator in Cash Today Ltd... Our Sales Manager (Sandeep) is treating us like dogs ..and his own labour ..and he is making fines for small reasons.

ctl, if your being treated that way, why are you still there? (lol) is he one of the ones making these harrasing phone calls to people?

If people within the office are not happy with the behavior of the seniors, we are least secure from their hands.

I have a friend who received 200.00. Now for the last 4 months they still keep taking money from his acc. No one ever anwsers that phone. How do we get the money back

Hi clsmay

Welcome to the forums.

Does your friend know the total amount including interest that needs to be paid on the loan amount? If you think that the amount has been fully paid and they are withdrawing more than the amount, you should take the following actions:

• You can ask your friend to close the checking account and also inform this illegal activity to the bank.
  
  
• Also a complaint filed at the local police station will be helpful.
  
  
• Consult an attorney with legal proof of it and take necessary actions.
  

clsmay, you can try filing a complaint on fid.state.nv.us they will contact darren webb and get to the bottom of things and request response for how much due including interest, finance charges or whatever else applies. or his email is darrenw(at)cash2day4u.com but they can't do much about harrassment calls, that needs to be handled with bbb or ftc, but ftc has the higher authority from what i heard

I just wanted to say that I have used this company for more than 1 loan and have always had good service. They can be difficult to get through to sometimes but have always been easy to deal with.

It seems a lot of the comments on here deal with harassment, is that a problem when you don't pay up on time or something? because i have never been harassed, i do get calls asking what i want to pay, but not many.

Maybe you should have paid them on time!!

first of all you must be really a broke person to have the nerve to borrown more than 1 loan, broke freddy. and the issue is not always about paying them on time, why don't you learn how to read a little better and you'll see the real issue. so before you start coming on to this site putting people down, you should think about your own problem