xpressCash!! I need somehelp?? anyone!!!

It is not check fraud with regard to a payday loan. They know they are taking a bad check when they allow the loan. This is the most common threat from these idiots.

AHAHAHA
they cant touch you. just be nice when you talk to them even if they throw a fit on the phone.

anyone from wi out there?

So I have nothing to worry about?? I have been sick worrying that I am going to go to jail!!! First they wanted me to pay back 360.00 then it went down to 200.00. I talked to 2 different people in 1 day. I don't even remember the site or anything I got the loan from. Should I just pay the 200.00 or just let them do what they have to do??? i just don't want to go to jail over 200.00

does anyone know if XpressCash is legal in the State of PA. I looked it up and i didn't see it but ijust want to make sure so i know my rights when they callme again. Can I tell them they are not legal in my state to leave me alone??

You absolutely will NOT go to jail over $200..That much I promise you. If I were a gambler, I'd bet that xpress cash is not authorized to lend in Pa...I think there's a reason for why you couldn't find their licensing info. You've had the loan since 2005? How much have you paid on it?

Taking money from a company, legal in your state or not, and not paying it back is stealing.

If you haven't paying anyhting on it at all I suggest you being sending in what you can as soon as you can and continue to do so when you can until the loan is paid or settled in full.

Hi rjneiderhiser

You can check the licensing info of XpressCash with the Department of Finance/Attorney General of your state. The payday loan company should not have lent you the money if they are not licensed in your state. But if you have a loan from them, you will pay the principle amount along with permissible interest rates and finance charges. The interest cap in PA is 23%

Have a look at the following link

http://legis.wisconsin.gov/lrb/pubs/wb/00wb7.pdf

FYI,
I don't think anyone is trying to steal. The point is to pay back what you OWE and interest allowed by law, not to pay a zillion percent interest on a loan of a few hundred dollars.

its best if you just talk with them and tell them that you are willing to pay back the loan and request a written statement of how much you owe them.
An operator telling you how much you owe a company is not what you should get. Get a written statement, like a recept.

Then begin paying it off. Or pay it off in full, what ever is the case.

Ahhhh poo on them! They have threatened me to no end with all sorts of tactics. Dare them to come get you and you'll have them thrown in jail without the key for their illegal practices.
I'd say get the deal in writing first, either by email,fax, or snail mail and sent the $200. Since they want to negotiate, there's some wiggle room to either get a payment arrangement or reduce the amount you owe if you've made some payments already.
Don't let them scare you, their just a voice on the phone.

Do not let them scare you.

Ask for the debt verification in writing. I just find it very shady that they call you NOW for the debt back in 2005? Ask for the proof that you owe them mo ney then go from there.


And...no you will not go to jail.

I have not paid anything back because since then i filed banruptcy and thought that xpress cash in included in that which it wasn't. i am willing to pay it back but not when they call me at work every 10 min and have 5 diffrent people doing the calling. first they accused the loan to be deposited into a bank account that i never even had the time they called my bank and all called the manager there a liar that that was the bank account the money was put in and well fought with them for a few hours and my boss until he told them to never call my work again so they finally called me at home (which they never once did before nor sent any letters) and said they are sorry that they had the wrong bank information, and get this they the guy was in the legal departmant at xpress cash and didn't even get the information correct.

You should send them a cease and desist letter. This will keep them from calling you. Then you should make payment arrangements. As long as you let them know what's going on and keep up your end of the bargain you shouldn't have too many problems with them.

whar is a cease and desist letter??? what does that mean!1 i am stupid when it comes to this stuff!!

You're not stupid, you're just learning! A cease and desist letter simply states that they not call you at home or at work. When I sent mine I said that I would not talk about payday loans over the phone and would not accept any calls from them, but I would be happy to respond to any emails or snail mails. There's no specific way it has to be written, but you might want to search the forums for cease and desist letter samples. It makes things a whole lot easier. Oh...And when you send them, make sure you send them by certified mail.

thank you i understand now!! i will do so!! have you been in situations like this before??

oh yes, I have been in trouble with payday lenders before..A lot of us here can totally relate to what you're going through.

I am pretty sure Express Cash is the same as Cashnet500 who I have recently heard from. I will let you know if they try the jail angle on me.

OK PD6 Ventures/Xpress Cash sent this letter

-----Original Message-----
From: Brad Ragan
Sent: Friday, March 31, 2006 11:12 AM
To: Brad Ragan
Subject: Refusal to Pay
Importance: High



Please note: If you've already established a payment schedule please disregard. If a payment schedule has been agreed to but payments have been returned or declined then please complete forms attached and send payment immediately. Please forward this to you financial advisor if you need help with these forms.



The difficulties experienced by the collection department at PD6 Ventures/Express Cash when attempting to obtain the slightest amount of cooperation from you have led to your account status being changed to ???Refusal to Pay/Intentional Neglect???.



This is a serious matter and all appropriate actions will be taken to collect this balance. Through your actions and lack of cooperation, it is evident that you have no intention of paying this account willingly and further actions must be taken.



Whether or not you considered it or not, borrowing money and intentionally neglecting to repay what was loaned to you is stealing. The consequences for the actions that you have taken were clearly explained in your signed loan contract. To avoid these consequences, return one of the attached authorization forms before 4:00pm CST today, March 31, 2006 so that this balance can be cleared without further incident. Fees will be added to your balance after 4:00pm CST.



If you have any questions about your account with PD6 Ventures/Express Cash, feel free to contact me by phone or email.





Brad Ragan

Account Manager/Reconciliation Consultant

The Loan Shop: PD6 Ventures/Express Cash

Phone: 800-859-6439 ext. 236

Fax: 800-853-7221



P.O. Box 26413

Kansas City, MO 64196

I RESPONDED TO THIS...

May 23, 2006



Hello Brad! Thank you for the letter! I am writing to inform you that I no longer am excepting phone calls from you or anyone else from XpressCash, PD6 Ventures, DMS Marketing, Express Cash or any of your affilates. Please do not call my work place!! This is the third time we told you that I cannot discuss personal information at work. The Owner and my boss told you on Friday, May 19,2006 that you are not to call me at work any longer. Please respect them and their business and do as they ask. This is my place of employment and if I have no job then it makes it harder for me to pay you back. I also do not appreciate being harassed and threatened. This is letter is a briefing of the certified one I sent to you and the owner of the company you are representing. I have also attached a few informational points to help further train you in your job and please feel free to share with your co-workers. Please remember, I may be a women but I did my research and I am not as dumb as you may think. I will pay back the loan, and you should see my first payment via money order in the next few days. Thank you for your time and enjoy the attached information!!



Sincerely,



Rachel Neiderhiser SEE BELOW

AND I ATTACHED THE THE FAIR DEBT COLLECTION PRACTICES ACT

SO HE AGAIN RESPONDED TO THIS MESSAGE AND SAID...

Subject: RE: FW: Refusal to Pay
Date: Tue, 23 May 2006 10:39:04 -0500
From: "Brad Ragan" Add to Address Book Add Mobile Alert
To: "Rachel Neiderhiser"

1st of all we're not bound by fair debt collection practices act we are not a collection agency 2nd we don't take pmnts on bad check loans I have proceeded against u as of yesterday u might call your county prosecuter and just ask the procedure if they get a check on someone have a wonderful day mam


AND I DID NOT REPLY BUT DID RECEIVE ANOTHER EMAIL... I APOLOGIZE IN ADVANCE IF THIS OFFENSE ANYONE!!


Subject: RE: FW: Refusal to Pay
Date: Tue, 23 May 2006 13:01:27 -0500
From: "Brad Ragan" Add to Address Book Add Mobile Alert
To: "Rachel Neiderhiser"

HELLO im waiting for your smart response and I ham going to notify your local chamber of commerce and attorney general and let them here th tape of u asking me if I was a @*&&%# that wasn't very smart this deserves a written apology in itself im also calling your local news about this incident u should have never of said that u showed your true colors so it will be a pleasure collecting this involuntarily

AND OF COURSE I REPLIED TO THIS...

Brad,

Thank you for bringing our "RECORDED" conversation to my attention! Please send me a copy of my acknowledgement to be "RECORDED?"

I apologize for asking you "Are you a @*&&%$?"

I in return, would appreciate an apology to the following:

Myself - for asking me "No, Are you?"
My Boss - for the White Trash comment you made
Co-Worker - The disrespect that you gave her yesterday, when you ignored the request of not contacting me at my place of employment!

Those are just to name a few.

Thank you!

SO WHAT DO I DO NOW!!! HELP???

Looks like Brad is having fun with you. ;)

Do not let him yank your chains. He is trying to get you all riled up and nervous. Just send in a payment when you can and make sure you keep records.

Just make payments you can afford. Keep letting Brad hang himself with his threats. Keep all emails sent from him in a safe place for future references.

Also, I want to add that I did not mean any disrespect with that "having fun with you" comment. That is part of Brad's job....to harrass, make threats, and makes you nervous.

ALso, it is illegal for a company to make threats and not follow through on them. (from what I understand). If the company is not licensed in your state, then they can not take you to court.

Also, if Brad threatens to report you to the local news, tell him to go right ahead!

this is the new reply after my last one.... You will al get a kick out of this...

Subject: RE: FW: Refusal to Pay
Date: Tue, 23 May 2006 13:42:29 -0500
From: "Brad Ragan" Add to Address Book Add Mobile Alert
To: "Rachel Neiderhiser"

I already apologized but I'll do it again I haven't a prejudice bone in my body so I am sorry and I apologized to your boss but this don't call me at work stuff is just attempt to making my job harder although it makes it that much easier and much more expensive to you. I will sif 360.00 by 5-30-06 or im requesting criminal prosecution for theft by deception with the intent to defraud sorry just doing my job it has to be sent money gram u should have the info


I THOUGHT HE ALREADY PROSECUTED ME!! HAHAHAHAHA!!!! AND NO DISRESPECT TAKEN!!! I AM STARTING TO REALIZE THIS IS JUST A GAME!!! AND THIS IS WHAT I REPLIED BACK TO HIM..

Brad,

Thank you for your apology, yours has been excepted, I hope my was as well! I am still waiting however, for the copy of my aknowledgement to be recorded.
As per our orginal conversation last week. I intened to send payment which will be postmarked by May 30, 2006.

Sincerley,

Rachel Neiderhiser

Good for ya, Rachel! Stand your ground and always keep records of your payments. Save the emails. He blatantly broke the law by threatening you with the criminal prosecution.

Good luck!

Thanks!!

I'd love it if you can keep us updated on your issue with Brad. :)

I see the noose tightening around Brad.

First of all, don't worry about Xpress Cash, their threats are empty, as are all threats made by someone who comes after you under a small, unsecured loan. They can't do anything to you other than frazzle your nerves, unless you cooperate with them. So don't give them the satisfaction. Don't talk to them, don't respond to them no matter what. Close your bank account, and just write them off. They will do the same with you once they realize that you are not going to pay back their money. Once you start talking to them and agreeing with them and making deals with them you are setting yourself up for headaches. Xpress Cash is a very shady company, they have numerous complaints that have been filed against them with the MO BBB. I know of more than a few people who are bringing legal action against them. Again, they can only do stuff to you if you let them, these people are lowlife slimeballs, don't give them the chance. And while you are at it, why not take the opportunity to kick these people in the balls??

Don't worry about brad, he couldn't do anything to you even if he wanted to. Tell him to read the part of the agreement that says all disputes will be handled by an arbitrator. He can't read, so that does him no good. I was amazed at how literally stupid the people who work at the PDL companies are.. I mean really? Do they pull these people off the street? Crack houses? Jail? Fast food joints? Skid Row? The drunk tank? The Ozarks? Ok, maybe that is going too far, but it is fairly safe to say that most of these retards are people you wouldn't want in your house, they would probably stael something. Thats the kind of people you are dealing with here.. Don't give them the satisfaction.. Also, these places have an INSANE turnover rate, can you guess why? Must be a great job when you have to try to collect on people using dishonest tactics, etc. Not to mention, unless you get someone who buys into your crapola, you are nothing but a harmless paper tiger, LOL.

I know I'm responding to this late, but Xpress Cash did the exact same thing to me - from depositing money in the wrong account to threatening to have me arrested at work and all that crap. I hung up on them twice and everytime they call, i hang up. I'm not going to talk to them, and I suggest you don't either. Nobody is going to jail over a payday loan. If they did, I would have been locked up a long time ago being that I have fallen into their trap numerous times in the past! Pay the $200 and be done with it!

dont' forget you can send a cease and desist of phone calls. But leave an avenue open so tell them all correspondence needs to come in the mail.

Oh my gosh, I posted a thread about this jerk who has started harrassing me...sending me e-mails and calling me at work, threatening me. He's also calling my co-workers and even spoke to the CEO.
Can I ask, whatever happened with this situation? Obviously, Brad is still working there because he is now making my life hell.

Here is my story. I had a payday loan with express cash back in Oct 2003, in Dec of ???????05 the took over $400 out, I had no idea who PD6/Whistler was, then I found out. On June 26, 2006 I received this email

Quote:

yes, PD6 Ventures, DMS Marketing, Express Cash are inter-connected. One of these names will appear in the bank statement.

I recieved a email today from Westbury Ventures threatening to take legal action against me and my roommate this woman told me that I was going to be prosecuted and also my roommate if we didn't send $700.00 immediately,I told her what are you talking about? She replied your that we had taken out a payday loan for $250.00 with a typed signature,I said I don't have this kind of money and then get this she then said i will settle for $390.00 and eat the rest of the $700.00,Also we don't even have achecking account that she claimed we committed we did check fraud and we have a savings account not a checking at our credit union.What should we do,she stated that if the$390.00 was not money gram to her by thursday she would take legal steps against us.

Ridiculous. You will not be prosecuted, trust me. Did either of you ever take out a payday loan? Also, what company is this?

Hello there,

I am trying to get in contact with you about a loan you took out approved through your checking account which is now seriously delinquent at this point. I will be straight forward with you, I know how it is but you are going to have to start fixing things at sometime so you don't have to deal with things like this forever, this situation can get really serious and snowball immediately. I can tell you that what ever you borrowed, rather it was $100.00, $200.00, or $300.00 is what I need to waive all the unpaid extension fees and bad check fees and close this case opening up against you. Please call me I am very easy to work with you will be glad you did. I hope you take this matter seriously and reply back to this email or call me so we can clear this up today. If you receive this email and you do not respond with in 72 hours another fee will be added to your balance and it will continue to incur fees until the send out date. SO PLEASE REPLY or CALL me today. Best wishes to you in your financial future.





Your online cash advance has gone delinquent your account has been closed and turned over to my office for collections. Your account may go back as far as three years during this time you have accrued many fees. This cash advance was supposed to be paid back in two weeks I need an immediate response from you I am able to clear out all of your fees except for one extension fee please contact me immediately my sole purpose is to help you resolve this issue. We are very flexible when it comes to payment arrangements we will work with you if you need to make payments your balance is frozen right now the only way you can incur more charges is by having a check returned to us. I look forward to resolving this issue with you please contact me today at 1.800.859.**** ext ***

Phone number removed for your safety - Mike

Shotgun, which company are you trying to reach? This is a debt forum, not a loan company. Your request cannot be forwarded to the loan company, sorry.

Why not try your search in the BBB.

cashexpress evergreen laptop pd6 ventures, never heard of two of these

Someone else also mentioned the situation I am in.

Recently the amount of $24.19 was taken out of my account. I applied for a coupel differenlt payday loans at teh time and got one which I immidately paid off next pay check.

Somehow in the process of simply applying, one of the companies I apprently had a history with (as in I had taken loan through them back in Aug 2003) and they used the information I provided for a new loan to start to take out money.

I am almost sure they were included in my bankruptcy hearing in 2004 but of course I have to double check.

Is it legal for them to use the information I gave to apply for a new loan to automatically do this without contacting me?

Does any one have any other advice about what I can do whether or not I find out I did, or did not include them in my bankruptcy?

If it was included in your bankruptcy they are NOT permitted to do that. I would find out if it was included (hopefully it was) and then dispute it, because with a bankruptcy the debt no longer exists. And you have your court documents to prove it. I believe the companie can get into big trouble for this.

Exprescash/loans xpresscash

Does this look familiar: Xpress Cash/PD6 Ventures/Loan Shop/DMS Mktg? That is all one company (only listing just a few of their dbas here)

So I did some digging and they aren't included in my bankruptcy, but they aren't on my credit report which I just got either.

Wouldn't they have to be somewhere on my credit report???

Ok so after searching they are NOT on my bankruptcy list, however I can find no record for any collection account for me on my current credit report.

Wouldn't they be on there???

Sorry for the duplicates thought it wasn't working at first.......

I received a direct deposit into my checking account the other day and I had no idea who from until the next day when it said Whistler Holding Xpress Cash. When I googled it, this page was the first hit. Can anyone tell me who the heck this company is. I didn't agree to a payday loan with this company!! Thank you.

any one charged fees and NOT get a loan from these idiots?

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I just want to say that this forum is interestinggggg :), who also think so and what you especially like?