2239875200 - Does this number belong to Cash Today Limited?

Ok, so the plot thickens.... If you recall I was going to stop the funds from being withdrawn from my bank, as they have taken $1027 in extension fees, which I did. Ah... and now they decided to contact me back... funny funny.. Since I have left several messages and called several times to never reach and agent with no results to try to stop the loan!!! So.. I spoke to an Indian gent by the name of "DAN SMITH".. No offense.. But if your name is Ranjith or Upendra, then go by it.. Please don't insult my intelligence... :evil: Dan advised he was calling to see if I wanted to pay off or extend my loan.. I said I am done with the loan that I have made several attempts to contact them to do so and they never replied so I did what I had to do on my end and he said I can not do that.. and sorry that you did not reach us.. but so sorry so sad.. Give us $279.00 and we will close your account.. I said your crazy no way.. and he replied like a robot.. Ok.. Lets do $200.00 and finally got down to $100.00 and I asked to speak to his supervisor.. Then "STEVEN".. ha ha got on the line and told me this was a verbal contract and refused to send me anything in writing.. or speak to his manager.. Can you imagine.. I am so STUPID :cry: :oops: So I told them to stop calling me that I would only accept communication from them in writing which he refused to do, he said they will still call me.. I did manage to get collection department # for those who are looking.. Can not promise it works 1-800-670-4075.. Also their mailing address is as follows:
CASH TODAY LTD
1005 TERMINAL WAY
SUITE 110
RENO NEVADA 89502

Did I do the right thing or am I gonna be in more trouble??? uggggg.....

I had a friend who took out a loan with these people, the thing that she had no problem with was not paying them back even the finance fees. She had a problem with the 20 and more phone calls, harrassment, telling everyone who answered the phone her personal information, and them not listening to her. The thing is that she simplying asked them to stop calling at her work and that she would contact them. She had to call the local police to help her to make them stop calling. SO this company goes beyond the normal collection habits!

Ok, so I was soooooo mad :x after the other day and more so embarrassed that the conversation with ???Dan Smith??? AKA Srithar, was at my work!!!! (again no disrespect to our Indian friends) I ponder the whole thing for a bit and decided to file an official complaint with BBB.org! :twisted: I am sure these scammers are so used to people's threats that I decided to make good on it. I will keep you all posted as to my results.

Good for you, you have to keep going until your voice is heard! File a complaint every single time they mess up.

~Mary

My friend did that also. She filed with the BBB and the Federal Trade something that handles internet businesses international.

I also made the HUGE mistake of accepting a $200 loan from these people. So far, I have paid back $952. They keep withdrawing different
amounts ...$79...$40...$240...$35. The 800 number is no help at all! I paid it off after 2 weeks, but they keep taking payments! After some intensive research, I think I finally found them. They are LAD Financial Services in Reno NV. The email address is: larryt(at)lad.com. The telephone numbers are:
phone: 775-856-3136
fax: 776-856-3016
I told good old Larry that I will be more than happy to spend 10 times the amount I have already spent just to go out there and settle this in person! I hope somebody can use this information. GOOD LUCK TO ALL! :wink:

Nope, that is not them. Take a hike into the pub, and you can get the low down on them:)

Thanks! The link to the documents doesn't work, but at least I know which direction to go. One thing though...why does LAD have the same address AND suite number?

abline..

foreign companies who incorporate in the us are required to have a resident agent. they use their ra's addrees for many purposes. there are probably 1500 companies in nevada who have that address.

hi all, for security i will not state my real name as i work for CTL cash today limited which is a sister company to the larger, ics, international cash services.
if you whant more info about the company who runs it pics of the employees or managment or the full address e-mail me at jigga123(at)hotmail.co.uk

the real address of cash today limited and international cash services is The website of the company is heathmill.com address is
1379 Northway House, High Road, Tottridge and Wheatstone, London N20 9LP

My sister-in-law has account with them and they call my house after the hours you are supposed to...being a debt collector, the things they say are so rude I could go through the phone and beat him....He left a msg saying he was from the legal dept this and that its illegal...Does anyone know if They have to obey by the fdcpa in the UK

thanks,
Robert

The secret about a payday loan company called cash today limited is a legit loan shark organization run by Indian employees who constantly targets people who have applied for a loan and give them meesly $200 to wire in your bank account. The worst part is they charge you an interest of $79 which they will give an option of either to extend the loan for $79 or to pay it full which is $279 (the amount that you borrow plus the interest fee). Even if you do want to buy time to make payoff the full balance, they will aggressively keep taking $79 out of your bank account which leads you to a financial disaster. The trick is to close your checking account but they will continue to harass you about their money. Eventually they will stop calling you and forget about you for a while.

If you ask for their address, they won't give it to unless you have to pay to them too. But when you call their number and hear an automated intro, you'll hear a female with a British accent which gives you a very good hint that their organization is somewhere in England. Payday loans a virtually impossible to get out of once you stumble into them. Be wary of them, they are like tigers that had in the grass to get their prey???YOU!!

the subject of cash today/ics is covered in many threads on this forum. Read in particular, the posts in this forum, and all forums dealing with Heathmill.

In short, this company has a very sketchy record and is a party to many questionable and likely illegal practices ( note that this is my opinion, based on a review of consumer complaints and a knowledge of state, federal and international law, and not). There are many steps your sister-in-law can take to protect herself. if you have questions after reading the recommended threads, please and them here and will will do our best to assist you

is this the same company that offers payday loans?

First off this is not a message defending anything they do or any of their business practices I was going through their website again and saw this. I really wish I could take everything I did back dealing with them! What criminals!

They have us by the short hairs .. excuse my language but its true. Did you guys read the MONSTEROUS release you clicked okay to on cash2day4u.com ? Looks like we pretty much said yah, give it to us good dont be gentle... I cannot believe I considered working with a company like this.

What a monster that is to read! Absolutely crazy.
Here:

[quote]Arbitration of All Disputes: You and we agree that any and all claims, disputes or controversies between you and us, any claim by either of us against the other (or the employees, officers, directors, agents, servicers or assigns of the other) and any claim arising from or relating to your application for this loan, regarding this loan or any other loan you previously or may later obtain from us, this Note, this agreement to arbitrate all disputes, your agreement not to bring, join or participate in class actions, regarding collection of the loan, alleging fraud or misrepresentation, whether under common law or pursuant to federal, state or local statute, regulation or ordinance, including disputes regarding the matters subject to arbitration, or otherwise, shall be resolved by binding individual (and not joint) arbitration by and under the Code of Procedure of the National Arbitration Forum ("NAF") in effect at the time the claim is filed. This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed.

Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. The cost of any participatory, documentary or telephone hearing, if one is held at your or our request, will be paid for solely by us as provided in the NAF Rules and, if a participatory hearing is requested, it will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction. NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.Agreement Not To Bring, Join Or Participate In Class Actions: To the extent permitted by law, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us, our employees, officers, directors, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying. By submitting this Application you certify that all of the information provided above is true, complete and correct and provided to us for the purpose of inducing us to make the loan for which you are applying. By submitting below you also agree to the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate in Class Actions.(This Application will be deemed incomplete and will not be processed by us unless signed by you.)

You will be charged additional fees if you renew the loan.

Electronic Presentment of Funds
You agree to the electronic presentation by us of any funds owed and to the re-presentation of any presentations that are returned to us for any reason.
Further, by submitting the application form, the customer authorizes us or our designated servicer, and the customer's current verified financial institution (even if the financial institution and/or account numbers are different than those on the original application) to initiate debit (ACH or bank draft) and credit entries as necessary when an original ACH transaction is returned unpaid or unable to complete. The customer authorizes us or our designated servicer and/or assigned collection agency to submit ACH and/or bank draft debits for partial payments to allow full repayment of the cash advance and any/all associated fees to be completed. The customer authorizes us or our designated servicer to make both debit and credit entries, to and from any bank account of the customers at any institution, from time to time, for fixed and variable amounts, including recurring transactions and point-of-sale transactions, according to the terms of the customer's agreement. The customer understands and agrees that we or our designated servicer do not need to notify the customer prior to any recurring debit entry for a fixed amount, or prior to any point-of-sale debit entry initiated by the customer, or prior to any credit item.
[/quote]
Link made inactive as per forum rules-Mike

This company is absolutely nuts! They refer on their front page that the electronic signature is covered under Electronic Signatures in Global and National Commerce Act enacted by the FTC (A United States Governing Body) but yet they do not have to abide by US laws and policies... absolute garbage. Now I have a question for the experts on this matter. Just because I signed the agreement to not participate in any class action law suits would that include my spouse? She has been harrassed over and over and her name is in all of my financial affairs yet she did not agree to any of this. Can SHE participate in something if it ever occurs?

I needed one of those payday loans and I did an online search and this company came up doing the payday loans in 1 hour. It was just $200 and they did the $79 thing and blah blah blah, usual stuff.

This was yesterday afternoon and as I'm looking into my checking account they money is still not there. I was tempted to call them to see what is up, but I did another online search for CTL and came across this website.

oh crap.
What can I do if the S*** start hitting the fan?

update:

I went back into my history and found the website I applied for the loan on. it is ipaydayloans.com and it was a general application and they put us in touch with the "best" lender out there. It sounds like that, unfortunately, the best one was Cash Today Limited.

I put a fraud alert on my credit report yesterday, due to a separate incident with a local college having a lap top stolen, so maybe that'll help me out there. But we'll see!

If you requested it yesterday, it won't show up into your account until Monday..

If I were you....CALL THEM AND CANCEL IMMEDIATELY! Tell them you don't want it. These people will make your life hell.

doing that now. All I can do is leave a message as I guess they don't work on Saturdays anyway. Hopefully they can work with me on that.

After reading these posts, I really don't need a payday loan afterall:)

Get in touch with them asap and cancel..Even if you wait until Monday morning, don't touch the money--Tell them to take it back, you don't want their money or their trouble.

just called and left a message. It was a message saying, several times, to cancel and I do not want the money as I found out I don't need it, etc etc.

It is scheduled to go into my account at somepoint and I'm hoping my bank can also work with me as well.

Funny that I went on to ipaydaylending.com and when I went into contact, there was a link saying "I have not received my funds yet". So I clicked that and it had me enter my address. It said your application has been sent to Intermational Cash Company with their 800 number. I called the number and they don't even have any of my information! They claimed they had no idea who Cash Today Limited was. So I called the "customer service" number when I was talking to CTL and all I was able to do was leave a message.

I'll keep you all updated on how this turns out.

Sounds weird! :(

Stay away from payday loans, they will only cause you trouble--There are many of us here in exactly that problem.

yeah I've learned my lesson.

Update: I called CTL earlier today to verify they cancelled my loan request and indeed they did! Guy I talked to had an Indian accent, but was actually friendly. I'm just hoping that a few weeks from now they don't come after me saying I owe $2,000 from various past loans or something like that and they need it that very second.

Good...Keep an eye on your account, and keep all records!!!! You should be fine, but just be very careful.

Keep us posted.

Oh lord...please don't mess with that company. They have given me many migraines...

(formerly d-townmike)

oh not to worry, I'm one and done with them even though nothing bad happened to me


yet.

I myself took at a $200 loan from Cash Today back in November 2005. I wanted to pay the amount of the loan off in December, but the phone number I was given only allowed voicemail messages to be left. I selected ALL the options and it goes directly to voicemail. I even sent a letter to the Reno, NV office and never got a response.

In the meantime, they were still deducting $79 from my account which caused me to acrue NSF fees which caused my account to go into a negative status. So, in January 2006, I did a stop payment for the $79 (company attempted to take $79 in three payments on the same day). Then, they changed the amount to take out which I didn't authorized.

I had wanted to close out my account before, but I couldn't because of the NSF fees. Then, just this past Friday, CTL debited $79, $199, and another $199. I was able to get the $79 back due to the stop payment. So, Friday I went to my bank and closed that particular checking account and was able to open up another.

I wanted to find out was there another way to contact CTL. So, I typed in the search bar, and I came to this forum. I wish I had found this months ago. But you live and you learn. My bank told me they were going to dispute the withdrawals that were not $79 and I should get those amounts back. It would be nice, but if not, I'll just be glad not to fool with them or any other payday loan (especially on the Internet) again.

Polly also had some problem with them. See what she did.

http://forums.debtcc.com/forums/about8194.html

I filled out an application for a completely different payday place and these people called me. They are very rude and pushy! I declined to take the loan but they do have all my information, I'm concerned.

if you block cash todays company code id which is
ID # 1547735692 then that will stop them from taking any money from your account. if there is any trace of money taken out of your account from cash today, your bank will file a claim or fraud claim. that will shut there party down

This firm has been hounding me for months to obtain around $800 they say I owe but in actuality only owe $200. A person call "Olla" has been harassing me at work even though I have told him to quit and that my job is getting upset because I keep getting calls from him and he is calling the personnel office. Olla has even threatened to come to my work and take care of business. There was even mention of "bombings". I told him that our conversations were recorded even though they were not. The personnel lady at my work spoke to a "Joe" who stated they were going to garnish my wages. She told him he had to get a court order. Even though "Joe" promised I would not receive anymore calls, "Olla" has continued to call me at my work. Once on January 16, 2006 and again on March 17, 2006.

Would you all like to record an interview with the site admin and moderator of this forum? You can discuss your story with them over phone and the recorded conversation will appear on the site.

http://forums.debtcc.com/heathmill/interview.html

Does anyone know how long it takes to hear back from the BBB, as I filed my complaint with them on 03/16 and I have not heard anything from them? I am still getting dunning calls from the "Devil" :twisted: and some even at 9:27 pm, which I thought they could not do after 9pm... These people are ruthless :cry:

Once they receive the complaint it can take up to thirty days for the BBB to hear back from the company. From my experience, some companies don't even respond to the complaint.

So, the mail came yesterday and I received a letter from the BBB. NO LUCK.. I need to contact legal council. They are basing their response on an e-mail from Cash 2Day LTD, that 1. Seems personal like the two are friends 2. Proves nothing... I am so bummed! They just said I am in default. They said nothing about my attempts to contact them with no returns. How could I have stopped them from taking the fees or pay them off if they don't return my calls. But I guess to the BBB that does not mater and the fact that I paid them $1027.00 in fees means nothing. I told them I would be happy with calling it even.. UGGGGGGG. :cry:

I have had payday loans on line, too. I declared bankruptcy (chapter 13) to try and get rid of them. Now I just need to ame more money ... any ideas? I am working full time, but that just doesn't seem to cut it any more.

stay away from payday loans at all costs

Quote:

This company has withdrawn 855.00 from my account against a 200.00 cash advance because they did not take it out when I requested. They continually call my work saying I still owe 259.00 to close this account. I have filed a claim with the Federal Trade Commission and have told them that but they continue to call my work and they continue to try and take money from my account which I have stopped my direct deposit and I am going to close out my account today.

they called me at work about 40 times today i told thisguy name devon to stop calling me i hung up and he kept calling what can i do

Hey all. I came across this thread after doing a google search on the +442084922780 phone number. Yesterday I was called twice on my cell phone by someone with an Indian accent and again just now. They keep asking to talk to a woman whom I've never heard of. This last time my wife answered the phone and the guy got the impression it was her.

I got this cell phone number back in December, so I can only assume that the previous owner of the number did business with them and they are trying to get in contact with her now. What do you all think the best course of action is here... put a block on that number maybe?

Thanks!

i have had a slightly different problem. i applied for a loan for just 200.00 and i had to give them all my information from my account for them to deposit the money in my checking acct. and after a week the money never was put in my account after i contacted the company they kept giving me a number to call because i wanted to cancel the loan because i felt like i was getting screwed and my due date was comming up but yet i have no money. finally i reached someone at the number they gave me and i told them i wanted to cancel the loan it has only been a few days and i am a little worried that they are going to try to get money out of my checking account since they have all my personal info. has this type of anything happened to anyone else.after reading about all the problems people have had i was just wondering if i should be worried

Browse this forum and you will see lots of unfair deals by Cash Today. Contact your bank and ask them to stop any debit from them.

Members of this site have taken some steps against them too. You can review this-

http://forums.debtcc.com/heathmill/interview.html

this guy name devon called me..he called about 40 times at my work place..i told him to quit calling and he said he would call me anytime he wanted 2..he threanted to call my boss and i told him to go to hell..he called back and would mash re-dial and then just laugh..i called a attorney and they are in the process of filing a lawsuit..he also called my house and my 6 yr old grandson answered,,he talked ugly to him and made him cry..this sob is going to pay for what he did..i will get him..there is nothing he can do and i told him i wasnt scared of him anad he just laughed..dont be afraid of them there is nothing they can do thanks sherry dickey

these guys are from the uk ..england...
thats why they harass u... they arent even in this country....

shut up brittany you must work for them

hi there ....thi i an xyz helper ......i can tell u what legal action u can take againt the company....how it works.....how to avoid thi company and how to fraud this farudulent company.....i am a redundant employee and can tell what legal action they can take againt u and how to avoid that....my charge are jut 700 dollars.....believe me no matter how many loans u have with them.....u can avoid it by my idea and advice a i have worked for thi compant for 3 years. Just pay me the money and all the help will be with u ppl......

email address removed as per forum rules - Mike

my address is
peronel advice can be given at a lower cot as well depending on the balance u have with thi company....
if u act upon my advise u dun have to pay them a single dollar.

email address removed as per forum rules - Mike