United Cash Loans

United Cash Loans is located in Oklahoma and is one of Rio Resources sister companies. They are not licensed in any state that I have found and do not fall for any of their scare tactics. Let them know you know the laws regarding pdls in your state.

Here is their address
Physical address
3531 P St NW
Miami, OK 74355

PO Box 111
Miami, OK 74355

Their phone number is 800-230-9480.

Thanks for the new address. The phone number in my e-mail is different and the website link shows that I am dealing with pinionpaynow.

Do I have to re send a new VOD letter or send them copies of the one I sent several months ago?

I have not paid them one dime. I know they do not play by the rules, which AG to I file a complaint with?

You file the complaint against them with the AG in Oklahoma. Be informative in the complaint. Resend the VOD letter. Looks like they have turned it over to inhouse collections. You state you haven't paid them anything. Have you paid back any of the principal amount borrowed?

No. Are they the same company that was in NM? That is were I sent the VOD?

When they first contacted me about a year ago about the payday loan, I had made arrangements at that point until I discovered this site and changed my bank account so that they could not withdraw from it.

I then dealt with a Kathleen Robinson, and sent VOD letters back in the begining of this year and she gave me a hard time, she claimed they never got the letter but I have the CMRR with a signature and have not heard anythiny from them until yesterday when they e-mailed me at work, telling me I owe $600.00 and gave me a website link Link deleted as per forum rules - Mike
which I have not responded to.

I never knew United Cash Loans was in New Mexico. But, when it comes to United Cash Loans, anything is possible. When the proper people get hot on their trail they pack up and move on til they get caught again.

I thought Rio Resources was based out of New Mexico now. Or I'm losing my mind :-) Granie410, do a complaint like Tammy suggested in Oklahoma as well as the state that you are in. They can be tricky to deal with and you have proof they received the letter that you sent. Keep everything documented.

Rio is in Oklahoma, but if the heat started coming down on them, they probably packed up and moved again.

I think that Rio packed up from NM and moved to OK, anybody want to start places bets on which state they will take up shop in next?

California. Oh wait, aren't they banned from doing loans there?

I have been paying 90. a month but have no idea how to pay off loan please contact me by e-mail or phone 928 566 1345. please send me a ph# the one on this info the 800 # is a wrong number or a fax number please contact me asap thank you vince

The address I used for BBB compliant and the one United answered to was:
United Cas Loans
2533 N. Carson St Ste. 5020
Carson City, NV 89706
Phone Number 800-354-0602
Fax 888-570-9772

Now they told BBB of NV that if I had a legal compliant that I should send it in writting to their legal department and they would "review" it. I was asking for a refund on a loan that was Paid in Full in October but I had overpaid by $900.oo. I'm not sure I will continue to pound them but at least they answered the BBB compliant.

I also recived a refund today from CMG the intresting thing is the return address was a address in Nevis, I read on this site that that was a drop box, they sent me a USPS money Order which was great.
David

They call me from a number listed on caller id as 0000000000 but leave a number as 1-800-701-7565. They harass me at work and say nasty and bad things to me. How can i stop this or can i?

I'm getting out of my payday loans, and the "response phone #" I received from Unitedcashloans.com is 1-800-410-9275. Don't know if that's any good for you or not. (this was the # listed in an e-mail they sent me on 12/18/07, so it shouldn't be an old phone #) (as the payday loans are illegal here in Maryland, I've already e-mailed them a few times that they won't be getting any more $$$, and that if they have questions they should be contacting the "financial folks" w/ the State goverment of Maryland - they haven't replied to me about that, as of now)

I got a loan from the above company on Aug 13,2007 via the internet. So far I havw repaid then $945
but when I called to find how much more i owed i was told $307. I was paying $90 a month. Then caused
me back account to have several NDF charges because
they deducted the money any time of the month that they wanted.The cost so far of the loan of $300 has been $945. I am changing the account so they will not do it again.


(name removed for your safety. cannr)

jimmyj - I'm sorry this has happened to you. However, as you can see, it's not uncommon. The best thing for you to do is to close your account and open a new one. Do you need any help with getting this taken care of? You might want to send this pdl a letter and also file complaints with the government agencies. If you would like any help, just post! :D

Received this in an email from Langhorne:

500FastCash, ameriloan, One Click Cash, United Cash Loans and/or USFastCash. These "lenders" are nothing more than brands of loans offered by a single company, CLK Management. CLK is one of the most difficult lenders we deal with. They follow no laws and exist solely for the purpose of extracting the maximum profits from their borrowers.

ile regulatory complaints with your own state authorities and the Kansas Bank Commissioner. (The company is located in Kansas.)

This company is not licensed to make loans in any jurisdiction. Instead, they claim an Indian tribe is the ???????real??????? lender and they are therefore immune from state laws. However, this argument has already been rejected by several states and the company is coming under increasing legal attack.

Ginurse, Thank you for posting this information it is interesting. Be sure to file with Kansas and please, keep us posted.

Huh. I put in the name under the BBB just to see what would come up. 500FastCash did come up with just CLK Management listed underneath it. I didn't see any of the other names. However, Langhorne stated that they are located on an Indian Reservation in Kansas? How about Oklahoma. And, I wonder if the name MTE means anything to Langhorne. Now I'm wondering about this CLK Management.

hey cannr,i also got a kansas address from langhorne.it might be there call hub.usfastcash didn't settle with me until i sent the C&D letter along with my state laws to there kansas address
here it is.

USFASTCASH
4601 college blvd. suite 200
shawnee mission, KS 66211

this is also for ameriloan,and probably most of there d/b/a's

That surely is interesting but all I did was call Intercept EFT, told them that UsFastCash was debiting against a revoked account and they emailed UFC while I was on the phone with them. I then sent a copy of my C and D letter to UFC over to Intercept, then I emailed a copy of Intercepts email over to UFC and within 30 hours I had a paid in full, account closed and I still have an outstanding balance. Same thing with Star Advance. It was pretty simple for me once I made the right connections.

oopsy. . .I meant I still HAD an outstanding balance when the account was closed/PIF. I no longer have ANY connection to UsFastCash.

United Cash Loans is located at the Miami, Oklahoma address, which is an Indian Reservation. The Miami Tribe of Oklahoma is allowing them to conduct busniess there because they got kicked out of Nevada and packed up to hide out on this Indian Reservtion. They will claim that they do not have to follow US Law because Indian law is sovereign. Just because they say that, doesn't make it so. They are SO ILLEGAL.

Close your bank accounts so they don't take another cent. You must close your bank account they are taking from immediately! You may have to change your phone numbers. File complaints with the AG of Oklahoma (they will refer your complaint to the Oklahoma Dept. of Consumer Credit, but that's ok), your state AG, the BBB of Oklahoma (but they won't respond to that), your state Banking Dept., etc. They are completely ILLEGAL and UNLICENSED in all states. They can't do ANYTHING TO YOU. Remember that. They will not sue you because they know they can't winand it will cost them more than the amount you supposedly "owe". If they call you at work after you've tole them not to, complain, complain, complain to the above mentioned and the FTC. The problem is, these people don't care about US Law. But they can't collect on you and certainly won't win any judgment. They are the worst of the worst, along with B.I.G./Route 66, etc.

Don't spend a second of your life stressing over these people. They are involved in much litigation against them right now, and they are appealing it. Be firm and strong with them. Whatever they tell you is a lie. Most of all, don't ever give them your new bank account information, credit card.debit card #'s under any circumstances - even if they threaten you. They will do anything to get this information, but don't give it out -ever.

I would believe that they are processed by Intercept EFT and use Bremer Bank as the originator. Call them and tell them that you have revoked your authorization for ACH debits. Send a copy of your C and D letter over to Intercept. Copy that email over to another email and then send that info to the PDL. You have to let the processor know that they are debiting on a revoked account. You have to let the PDL know that the processor is now aware of that illegal move. You have nothing to lose by trying this route. You may just find yourself with a PIF. It worked for me and it probably could work in your favor as well.

Thanks, paul! You've SO got to be kidding me though! Good Lord Almighty! Maybe this is why USFastCash ignored my a$$ until they got tired of my state AG and said "Fine! Go away!" :lol: I've seen that address before, but it was "before". The "new" address is maybe just another "hub"??? Maybe? Man, can you imagine how many friggin offices they have around the states? :shock:

Good Morning Everybody,

I got this email today and was wondering what I should do with it because I overpaid these people. Im not giving them another dime of my money. They are trying to squeeze another $385.00 out of me! :shock:



We understand that everyone faces different economic situations, and sometimes it's hard to care for all the things you need to. We've been holding your United Cash Loans account in our office to allow you some time to take care of your financial obligations. To better assist you, we would like to offer you a rare opportunity to settle your account for less than your current balance.

Through this special program, we are extending you a 25% discount off of your current balance if paid in full by May 31, 2008. In order to take advantage of this offer, you must contact us within 14 days to make arrangements on your account.

With tax refunds and the new Economic Stimulus plan payments being issued, this might be the best time to get caught up with us so we'll be able to assist you in the future. By taking advantage of this offer, the telephone calls will cease and we will not report your account as delinquent with the credit bureaus. That means if you ever find yourself in a bind in the future ???????????? to take care of an unexpected expense or bill ???????????? your borrowing options will be available with us, and your credit won????????????t be negatively affected.

This offer is only available to a select number of our customers and only for a very short time. Simply login to http://finalcollections.unitedcashloans.com, or call 1-800-701-7565 between the hours of 7:00 a.m. to 9:00 p.m. Monday-Friday Central Time, and 8:00 a.m. to 4:30 p.m. Central Time Saturday.Mention that you received this offer and one of our representatives will be able to help you.

Please don????????????t let this offer pass you by, call today!

Sincerely,

Final Collections
United Cash Loans
[email]FinalCollections@unitedcashloans.com[/email]

--------------------------------------------------------------------------------

Aminah, you know how illegal this company is. Now they are trying to steal your tax rebate. Just tell them that they can use their tax stimulas payment and send you the refund that they owe you.

llw:

Did you call Bremer Bank too, or just work with Intercept EFT when you were trying to settle with UFC? Were you able to get a refund?

I'm guessing they owe me somewhere in the thousands, but would settle for a pif!

Sorry, that was me.... must have gotten logged out.

Looks like you answered that in another post! Thank you!!

what a joke,now there using peoples tax rebates to try and extort more out of them.by the way they cannot legally reoprt you to the credit bureaus.hope you saw through that bunk.

United Cash Loans is completely shameless, aren't they? Asking that you use your tax rebate to pay money that you don't owe? I haven't had them use that line on me yet, but won't be surprised if they do. I DO believe I'll have to decline their "generous offer." :D

I got the same email recommending I use my economic stimulus check to pay them. I responded with "My cat's breath smells like cat food." I felt so professional. :D

LOL. :lol: Thank you guys. Im still getting phone calls though at work. I dont answer, they dont leave a voicemail, Oh well, must not of been important. They call me like 5 times a day. I now put my phone on "do not disturb". LOL.

They still call me at work and on my cellphone once a day. The funny thing is that they think they're sneaky. I now have both phones programmed not to even ring when 000-000-0000 shows up on caller ID.

I wish I could do that! :D

When they call, I just say per our previous conversations, I'm going to hang up on you, and then I do it. Although I do confess, the last time they called, I asked how everything at MTE was doing, and they hung up on ME! :D

ha! LOL good one pachacutec!!!! Im going to try that the next time they call. ha ha I cant wait for that next phone call now!

Can anyone tell me about PRl Direct loans. They aren't licensed in Indiana. I have paid them numerous charges and want to be rid of them. Does anyone know how they are if you can't pay when you loan is due? Thanks

aminah0529, I might also ask them how things are down at the reservation, see what that gets me!

(there was a line in Joseph Wambaughs' book "The Blue Knight," where a criminal asks a cop why he bothers, that he can't save the world? The cop replies, "I know, I just LOVE the f---- battle!" )

ha ha thats a good one too! I love the quote!

shouldnt I be reminding them of the C&D letter I sent?

I emailed our senate president about the pending PDL bill and this is the response that I got:

May 12, 2008



Dear xxxxxxx:



Thank you for your recent correspondence regarding House Bill 545 - the payday lending legislation. I appreciate your input and will take it into consideration as this bill is debated in the Senate.



House Bill 545 was approved by the House of Representatives by a vote of 69-26 on April 30, 2008. Currently, House Bill 545 is pending in the Ohio Senate Finance & Financial Institutions Committee where it has had two hearings. You can track the status of this and all other pending legislation at www.legislature.state.oh.us.



Again, thank you for making the effort to contact me. Please do not hesitate to contact me again in the future should you have any further questions or concerns.


Sincerely,



Bill Harris

Senate President

Ohio Senate

Aminah, just curious, did you refer the Senator to this site? It might be a bit of an "eye opener" to him.

No but I will right now. Thats a good idea. Thanks.

I HAD been getting calls from UCL on the 000 000 0000 telephone number; however the past few days, I've gotten a call from 1 800 380 4574, and nobody says anything. I called the number back and it's good ol' UCL! Sigh......

I checked out the UCL website to see if there was any new contact information (no); but at the top of the site was one of their "testimonials" about how great they are and it was "Steve, Maryland." Considering PDL's are prohibited in Maryland, they have a nerve, dont' they?

This is how they operate, you take out a loan on one of their websites (US Fast Cash, One Click Cash, US Fast Loans, ameriloan or 500 Fast Cash) with the intention of paying it back. On your next payday they will take $15 out for every $50 borrowed. This amount is only the loan fee, you aren't paying anything back yet. They will do this for the first 4 paydays. On the fifth they will take out the loan fee + $50 of what you owe them. This will continue until the amount is paid off. Here's an example on a $300 loan:
Week 1 - $90 loan fee
Week 2 - $90 loan fee
Week 3 - $90 loan fee
Week 4 - $90 loan fee
Week 5 - $90 loan fee + $50 principal
Week 6 - $75 loan fee + $50 principal
Week 7 - $60 loan fee + $50 principal
Week 8 - $45 loan fee + $50 principal
Week 9 - $30 loan fee + $50 principal
Week 10 - $15 loan fee + $50 principal

So by the time this is done you've paid a total of $975 on a loan of $300. Plus if they try to pull the money out and don't get any they will add on a $30 return fee.

I understand times are hard, but if you must use them, on your next payday call them and pay in full and they won't be able to charge you all the loan fees. You'd probably get off paying only $390 instead.

If you default on the loan they will continually call you and try to convince you to pay. They will threaten that it may be sent to a collection agency, but I'm not sure it ever is. They'll throw a lot of big numbers with you and lead you to believe that you could end up paying thousands of dollars. Ask questions, it will throw the agents off their game and they won't know how to respond. They'll change the subject by asking to confirm your address and email address. If you ask for the loan documents they will tell you to go online and read them where you signed up. Hint, give a fictious phone number on the application, movie phone works good. That way they can't continually harrass you. They will only accept payments by credit card, debit card or money gram. Honestly, if you've got a credit card to begin with, use that because the interest rate is lower. They will try to scare you into paying off the loan balance. The only issue is if you are a repeat customer and don't pay them off you won't be able to use them again.
The company is just after a quick buck. Unfortunately if you're reading this then it's probably too late, but you can pass it on to a friend.

They are looking at a 300 dollar pay back for a 500 pdl. my freind took out 30 days ago loan was for 500 now they want 800 dollars in full they are located on a indian reservation, in a town called Miami oklahoma is that even legal to do, my friend lives in NEW YORK

PRL Direct is a Payday loan company doing business under various names. They used to be based in California, but are now doing business out of Malta.

The State of California has hit them with Refrain and Desist Orders on at least two occassions, as they are not licensed to to direct deposit/withdrawal transactions in California.

I have read blogs from several people who say that once they mention the court orders out of California, PRL stops bothering them. Not sure if this is true.

I'm not an attorney, but it seems to me...if they aren't licensed to do this type of business anywhere in the United States, then any loan they make is illegal, and as such, uncollectable. It would be great to hear from an attorney on this situation.

The loan agreements from PRL state that the loans are made under the laws of the country of Malta, which really doesn't mean anything here in the U. S.

If you have a loan with them, call your bank and put in a Stop Payment (will cost about $30). It's good for 6 months.

If they contact your employer, explain to your employer that you had an emergency financial situation, and used PRL under duress, as you had exhausted all other means of getting a loan. While most employers don't want to be bothered by these companies, they can ignore them.

it takes about a week for it to work but it does. ive had to re-register my # 4 times this year but now im starting my COMPLAINING hehehehe:twisted: