2239875200 - Does this number belong to Cash Today Limited?

Evidentally fatfreddy you must need the loans to make sure you eat!!!!

What i needed them for is none of your business, but if it was to feed my family in a time of need then so be it i'd have the nerve to do anything, but they weren't at the same time anyway - even i'm not that stupid to take more than 1 at a time.

What i wanted to get across was that they were fine with me and they only called to ask what i wanted to pay and maybe it is the non-payment that causes the problems that the people on here are getting, not the company themselves.

Hmm...anonymous1... have i hit a RAW nerve of yours here?? or do you not like balanced discussions??

FatFreddy, I think that you will assist us in solving some of the unsolved mysteries of Cash Today.

If you have had satisfactory working with Cash Today, then you might know the details of the debits that have been done by the said company. Can you please give some more general information about the debits done by this company?

May I kindly request you to read the posts of the people in this thread and answer it one by one? I hope you will be more than helpful.

It is not about not being able to handle balanced discussions, but the issue is the calls. Regardless whether you miss a payment or not, even if you make an arrangement with them and they cannot take your arrangement you have no choice but not to pay them on the day they want and you have to pay when you can, so then the issue is the nasty things they say or do, that does not give them the right, so all i am saying is do not try to take their side or try to put people down because of their financial issue or not being able to pay on time, because you do not know any of these people's situation for not paying just like i don't either but i understand what they are going through with harrasing phone calls so you were wrong for crossing that line

I can only tell you about what i paid, they just took a fee each payday until i paid off the loan. But they did try to convince me to keep the loan if i was unsure that i could afford to pay the whole amount. I asked if i could break the loan down in instalments - but they said no, fee or full balance.
Then after i paid off the first one - they called to see if i wanted another.

Sorry i cannot help more - have you tried Samantha there? she seemed to reply to all my e-mails

does anyone have a number for cashtoday limited?

Reefrev

The number I have is: 1-800-680-2177

You can also email Samantha

[color=red][size=2][email removed as per forum rules-Vikas][/size][/color]

I have already paid these folks $289.00 and now they say I owe them another $400 more. Also, my bank closed my account because they kept trying to debit my account without my authorization. Where can I file a complaint at again?

I revoked ACH debit authorization with Cash Today, LTD, but they still presented multiple payments, one after another. I informed my bank, but it was too late. My bank charged me over $200 in return fees. I eventually had to close my account too.

Isn't it against the law to continue to make debit attempts when authorization has been revoked? Can I somehow get all the bank charges back from Cash Today, LTD?

Tracy
??
Debiting the accounts without authorization is definitely against the law. But companies doing illegal practices don't really care for the things termed as 'legal'.
Though it might be difficult to recover the money that is somehow lost to such illegal companies, but chances to stop such companies from existing is there if appropriate measures are taken rapidly.
This all happened at the wrong time when a proper research about a company was not done properly. But the consequences faced have taught a good lesson for the future.
Regards
Roxette

Thanks Roxette, I thought it was. But how would I go about seeking restitution? Should I contact an attorney? I mean, Cash Today, LTD and other payday lenders that I revoked ACH debits on have costs me over $1000 total in overdraft and return item fees. Before I revoked the debits, I contacted all the lenders and told them I was experiencing financial difficulty and that my account was overdrawn. I asked if I could make other payment arrangements, none of them returned my calls and still took out payments, knowing my account was overdrawn.

Quote:

Tracy, have you thought about closing that account and opening a new account?

I have ben fighting with this company for months to cease and desist taking money out of my account for what they claim is to extend a loand that was supposed to be paid off months ago. They are located in England according to the drones that keep repeating the same thing over and over. I cannot get an address for them but am trying to track thm down as well.

I applied for a loan with this company this morning and got the call to confirm within one hour. I accepted the terms and then found this site with all your problems. I wish to god I had looked here first!!!! I have since called them back and cancelled the loan. I am literally sweatin bullets hoping they have actually cancelled the loan. I am having a small financial issue, but sure as heck dont want it to get bigger. I would rather deal with a couple returned checks then go through the hell you all are going through. Good luck.

I to have a loan with them. They have only called my job one day but boy oh boy was this guy persistant. I just kept on lying and saying I was not in. The guy wanted to speak with my supervisor and I refussed to let him. I am the receptionist so I can screen the calls well. Plus the idiot is asking for a wrong name when he is asking for my supervisor. My only bitch is they do not quit in a 20 min time frame he called like 30 times at least. I refuse to pay these people now. They will never see another dime from me. They received all of their money and then some about 5 times!!!! I was scared someone would ask why the phone is ringing so much. They did not thank goodness. Something should be done about these people they need to be reported!

I wish I had done the same as you sweatinbullets. I will never do it again. Trust me some bounced check fees are nothing compared to $59 per week until you decide to pay the loan off. It is a scam but looks very appealing. Especialy for those who have horrible credit and cannot be approved for a loan. That is how I found these people. I put bad credit personal loan in the search engine and here I sit owing boarder line psyco's money!!! I wish I never took the loan out!!!

Hi sweatinbullets

Welcome to the forums. I also feel that you should send a letter through certified mail with return receipt requested. You will be more accurate in your intentions about canceling the loan and you will also have a record of your efforts made.

Before the company makes a move against you, you have a proof of your final move already made.

Regards
Roxette

I don't know whether I'm glad or not that I found this thread...I have a loan through Cash Today Ltd, and I have had growing debt and trouble paying it off. I had to change my bank because they keep trying to take funds out of my account and putting me further in the hole. I actually had a loan through them before and paid it off, but then they called a month or so after it was paid and tried to confuse me and get me to reloan. The guy said he was calling to confirm my loan for $200. I was like, huh? I don't want another loan! So be prepared...if you pay them, they still may not leave you alone.

So now I've got the loan out AGAIN, which I am unable to pay (and really unwilling to at this point, because they won't take a money order and I don't want them to have my new bank or debit card info) and I'm filing bankruptcy this week. Has anyone actually FILED bankruptcy yet and still had them harrass you? I'm wondering if I have my case info if they will stop calling. And plus, do they have to abide by our debt and collection practices since they are in the UK? Has anyone found out for sure?

Good luck to you all...these people are crazy, and I was worried about them from the beginning. It's a shame what those of us with poor credit must do when we have medical expenses, etc. It's a terrible lesson to have to learn.

So today they called my work again. It was a lady this time every other call has been from a man. So I knew she would not recognize my voice. I told her she did not work here anymore. Then asked to speak to the Human Resource person. I told her we did not have one it was a small company. I was her supervisor. So she verified my name and time and date with me and said the calls will stop. We will see I will keep you updated!!! So hopfuly it works. I will just continue to tell them that I no longer work here!

Hi almightygem

Welcome to the forums.

After paying off the first loan, have you taken the receipts of your payments made? Has your account been updated with the credit bureaus? These are some of the important things to prove that your loan account has been paid off and you do not owe the particular debt.

Regarding the new loan amount that you have taken, after filing bankruptcy, it is supposed to get discharged off. Once you have filed bankruptcy, any company irrespective of the area of its operation cannot force you to pay the said debt. The simple reason being that the debt has already been discharged when bankruptcy has been filed.

Consult your bankruptcy attorney if further harassments continue and keep all the necessary paper intact.

Regards
Roxette

Well we have all read how psyco these people are. About an hour ago I told them I no longer worked at my job. I was obviously lying! Anyway they have not called back at all. Which is not their normal proceedure. The last time someone called they called like 30 times. I know it will not erase the debt but it hopfuly will get them to stop calling your job which I feel is the worst part of the whole process!!!

Daniella, why not make this whole approach completely legal as per the fdcpa law. Send a cease and desist letter through certified mail with return receipt requested. This receipt will prove that you have made the legal efforts on the date specified on it. Once they receive your letter, they are required to stop all the collection calls.

Also, if it is even harassing, you can inform them that the call is on record and that you wish to present it to your lawyer. He will be taking care of it and hopefully, you will be able to see some positive results out of it. I am sure that success will be yours.

This message is for FatFreddy. I have paid every week on time. I have had no choice they automaticaly take money from my account. They still call and harrass me. The one guy that called last week said "give me my money" and called 30 more times to harrass me. But funny every week they get their retarded $59!!!! These people are rude and inconsiderate.

As I keep reading I keep coming up with better ideas on how to beat these people. It seems to me that the biggest problem outside of harrassment is not being able to afford the constant overdraft fees and weekly fee they charge. I think you should suck it up for one week and call Cash today tell them you would like to pay the loan in full and deal with your bank. Get it all done in one shot. Basically it will save you money in the end and it will get Cash today off your back. Pay your bank back the one time fee instead of your account overdrawing every week and paying the bank a fee every week for being overdrawn. Does this make any sense. Suffer one week but it be over by the next. I think this is what I might do. Since they are just going to overdraw my account every week. I stopped my direct deposit because of it. So now they are just withdrawing from a negative account.

Thank you Ben for responding. I have copied and pasted a cease letter from this forum. I will definetly go the legal route. I just am looking for quick solutions. Getting calls at your job is very embarrising. I am lucky I can control who gets what call since I am the one answering the phone. For others it seems they can't get the letter to these people fast enough. See we are dealing with people who do not care about our situations and why should they. They are doing their jobs to collect the money for the company they work for. It is obvious that harrassing thier customers they are able to collect money from them because the customer is scared or embarrassed. These employees have insentives so therefore they get the money any way they can. I really hope this letter works.

From the collections point of view, to earn the maximum money, they will try to harass people in every way because it is all related to earning incentives.

I Wish I read these comments 3 hrs ago I just signed up with them today and thought it sounded weird i hadto check it out should I close my account now before anything goes through does anything ever go through? Do theuy even give you a loan? What did I do please reply asap so I can take action before the loan even goes through

I just wanted to thank all of you for this information. I was looking into taking a payday loan with Cash Today. I'm glad I did some research and found your forum. I apologize for just butting in and not being able to give back to each of you for your very valuable information. But I do truly appreciate it. Good luck to each of you. May God bless you.

Jessican

It will be most advisable not to do business with Cash Today. If you can contact their customer care and inform them about canceling the agreement, it will be beneficial for you.

Also, you have to keep a close watch in your checking account as they will try to withdraw money from it.

Jessican,

It is not advisable at all to take out a loan from any payday lender. Yes Cash Today is one of the worse you could ever get involved with, but either way it is not advisable to take one out with any company. You are better off borrowing from a friend or any other alternative you can think of. Every week garunteed you will be charged $59 (with cash today) plus if you choose to pay something on the balance. In the end you pay over 100% more in fees then for the actual loan. Extra money to buy what you want is great to have but in the long run realize it was not a gift it does need to payed back and nine times out of ten if you need the money now you more than likely will not have the money later to pay it back! Good Luck.

Well..I too I guess have fallen for this scam...I tried calling over the weekend to cancel the loan after seing this site. THey guy told me that they weren't there...weekend, they are home. I wanted to ask why are you there then...I called later, they said if I call on OCt 16 or 17th since my payday is Oct 21st, I can repay the full amount ($279). I asked if I could call earlier..."You can, but it would be better if you called Oct 16th or 17th". I will be calling sooner believe me.

Yes it is very important not to fall into this trap. do whatever you can to avoid it. Because it once you get one, it is like a domino effect and you continue to get more to cover the other one that you had received.

Yea, I have actually just cancelled my loan with them. Just how they handle business is shady as hell. A bunch of foreigners that answer the phone and there is so much background noise it is very unprofessional. I cant believe that I actually gave them all of my personal information. Most companies have very strict security measures to ensure that their customers sensitive data remains protected. With this company, there are probably foreigners trying to open up accounts already. I am just so glad that I cancelled with them. Very shaky company. Just do without before doing business with them.

Send your letter about closing the letter through certified mail and return receipt requested. This way, you will be able to track your letter and also have a valid proof of your information sent if any problem occurs later. Having the date on the receipt is very important as it is on that particular day, the company received your letter.

There is nothing professional about this company. They curse and harrass you. I however got them to stop calling my work! I told them I do not work here anymore and they have not called back since. I fooled them at their own game. I did not feel that these people had any right to call me at my job especialy since they have always received my payments. My weekly payment is down to $35 with them but they have been way overpaid. I guess it is better than the $59 per week they were taking from me. I cannot stress this any better but to say NEVER TAKE OUT A PAYDAY LOAN! If you do not have the money now to pay whatever it is you need to pay trust me you will not have the money later to pay the loan you just took out. It is like making a deal with the devil! Sign your soul or should I say paycheck away every week until it is paid off!

I agree with you elisia because payday loans can do nothing but damage your financial management system. These loans might sound helpful during emergencies but they charge illegal fees for lending it to you.

If you have to take a payday loans with no other options left, consider paying it off in the next payday rather than revolving it in the next month. This way, you are digging the hole deeper for yourself.

These dummies still continue to call my job but what they do now is leave a message to call the legal department and then leave another 800 number (unrecognizable). On one of my complaints i recieved a response back from the financial inst. Division in nevada before i realized that the company is mainly based in uk, the response back from darren webb states that they call me office because they seem to make contact with me there, duh!!!I do work, but that does not mean they can't leave a message for me to call them back, they do not want to do that they are so demanding to talk with someone. However i did find out that payday loans are illegal in georgia as stated on the attorney general site and also states payday loans are illegal. When i informed one of the reps he started stuttering and got stuck on stupid and said that i could just pay loan back in full and they will close my account out, i kept telling him that he should have given me the loan, furthermore i should not have took it but i did not know at the time that loans were illegal here. I have not hear from them since, it has been a week, i told him he will not get anymore money from me and that i had been paid them their loan and little extra and just be glad i paid them their damn $200

In addition to my notes, i was trying to say that even internet payday loans are illegal in georgia

Does anyone know if smj marketing is connected to these people? I have had $90.00 taken out of my account four times and it all seems to come out when cash today withdraw their amount. I have completed the cash today and now they are calling me for a reloan...My bank returned the last $90.00 and could not find a telephone number that went with this smj thing....help!

Funny thing happened at work today...I work for the school board in a small building with 2 other people...one of them being a police officer for the school board. I was receiving harassing phone calls from these people every 2 minutes. After the 6th call, the police officer picked up the phone and got into a screaming match with the caller. In addition, he tracked down the address of the company and is planning on pressing charges on the grounds of harassment of a law enforcement officer. Needless to say, he called the wrong place of employment today (he didn't even believe he was a police officer!) :D

good thing b.k, these people need to learn a lesson, they are so rude and care nothing about us

Distraught,

If you are not able to get any track of the debits from SMJ Marketing with unauthorized debits, you might need to put a stop payment on that account. This will save the money from getting debited. You might be charged a fee for it but it will be save your money from going into the wrong hands.

You can open a new account unknown to these people and keep your deposits in that account.

Regards
Roxette

i had recently had a cash advance with them....as of yet i havent been harrassed and am terrified about the horror stories,i havent gotten them paid yet,i have been paying the extensions,due to financial hardship,i recieved a loan from them,wow,what stories!!

redsunshine,

Don't roll the loan over and over. Payday loans are good if paid off within a week time. Try to get it paid ASAP.

You can practice some budgeting techniques so that the loans are paid smartly in spite of your financial hardship.

To all who are having issues with Cash Today Limited. Here is the thing:

1) In the loan agreement, you agree that you are not intending to file for bankruptcy. You also agree to let them contact your employer if you fail to repay the loan. And they record this stuff too, so you are kinda trapped there.

2) Cash Today Limited is actually based in the United Kingdom and as a result, you are subject to British law as opposed to the Fair Debt Collections Practices Act here in the US (feels like colonial days, doesn't it).

I have had to take out a payday loan with them before once. If you pay it back, they are fine. From what I understand, the issues are with those who DO NOT repay their debts, and there in lies the problem.

While they do have a call center in the US (Nevada I believe it is), I do not believe they would be subject to debt collection regulations that are codified in the US.

I applied for a loan with them yesterday.
They told me in 24 hours, the money will be deposited.
No money and when I call the number, the only department that is available is sales.
What do I do?
Did they just get my info to do some fraudulent shit or what?

Gemini kristi
They always say 24 hours but more than likely it will be a couple of days, but it is not worth it becuase you will be spending more than 24 hours or days to clear the debt with these people. It is a scam!!!

Gemini,

My advice will be to step back from doing business with this company. Lots of complaints have been posted in this forum and they have also been doing unauthorized debits in the accounts. It will be a risky decision if you ignore the warnings.

Regards
Roxette

I almost went all the way through with them. But, for some reason I seen this email and it changed my mind. Thanks alot.