1-800-349-9418 - Does anyone dealt with One Click Cash?

no. This is a threat. You need to close your account. Believe me , they are use to this. this will be a big ugly circle of NSF's if you don't close your account. After you do this, you can set up payment plans to get these paid

Just an FYI, most of the members here have dealt with numerous payday loans. We closed our accounts. We had too. None of us where reported for fraud. What fraud, no worries. The way out of this trap is in steps, we will help you

You will feel better after closing your account. Read others in the thread below who have done the same thing.

http://forums.debtcc.com/forums/about10946.html

http://forums.debtcc.com/forums/close-bankaccount.html

Try to arrange a payment plan with the lenders directly. Don't give out your new bank information to them. Write a payment proposal and advance some money along with it. They might be interested in accepting your plan.

Personally speaking, I would more than welcome them to charge me with fraud! Heck,I would even give them the address to my local court house!

yeah, I smell a nice settlement over that one :twisted:

Are your lenders store front or online? If they are online chances are they are not licensed, and can not charge you with anything--if they took you to court, they'd be charged with lending withoutu a license.

Have you looked up your state laws on PDL lending yet? Which state do you live in?

lenders are online. they are payday select, oneclichcash, united cashloans,tendollarpayday, route 66 funding, fsm processing. i live in oklahoma

I had a couple of these. I will work on some things for you and get back asap

One click Cash
2533 North Carson St Ste 5024
Carson City NV 89706
Fax 800-803-9136

FSM Group
10108 Summer Oak Lane # 103
Las Vegas NV 89134
Fax 866-516-9700

United Cash Loans
2533 N. Carson St Suite 5020
Carson City, NV 89706
Fax 800-803-8794

Here is your usury laws for OK


Legal Status: Legal

Citation:
Okla. Stat. Ann. tit. 59 ?? 3101 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: 12-45 days
Maximum Finance Rate and Fees: $15 per $100: $0- $300; $10 per $100: $301-$500
Finance Charge for 14-day $100 loan: $15
apr for 14-day $100 loan: 390%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Two
Rollovers Permitted: None (cannot renew; a loan made within 13 days after a previous one was entered into shall be considered a renewal and shall not be made)
Cooling-off Period: Second business day after the 5th consecutive loan repaid
Repayment Plan: Yes

Collection Limits:
Collection Fees: $25 NSF fee (if disclosed) unless dishonored due to theft or forgery
Criminal Action: Prohibited

Looks like you may want to work out a payment plans with your loans

I have two outstanding pay day loans one is with cash advance network this people went inside my bank account 8 times in one day and the money was not there so I end up paying the money that i owed them to the bank on fees.they harrasme for a while then stop .I close my account...????

I live in New York any info on cash advance network???

ok i've recieved letters from united and one click cash, and the addresses for those aren't the ones you post. one click cash suite 3 52946 highway 12 niobrara ne 68760 1-800-349-9418. and they want me to do western union so they won't be taking it outta my bank and charging me for the nsf fee's when the payments returned is that a good thing or bad thing?

can someone explain this to me please: COLLECTION AGENCY BOND & LICENSE
STATE: OKLAHOMA
INTEREST RATE

Legal: 6%
Judgment: 4% over U.S. Treasury Bill Rate of previous year. (1996 = 9.55% 1997 = 9.15%)
STATUTE OF LIMITATIONS (IN YEARS)

Open Acct.: 3
Written Contract: 5
Domestic Judgment: 5 renewable
Foreign Judgment: 3
BAD CHECK LAWS (CIVIL PENALTY)
N/A

GENERAL GARNISHMENT EXEMPTIONS
State law: 75% of earnings exempted, more if hardship established. All federal exemptions apply.

Bond: No
License: No
Fee: No
if they aren't bonded and license what does that mean?

United Cash Loans is now using the Miami, OK address. They are no longer receving mail at the Carson City, Nevada address. They are under heavy investigation in VA, NV and several other states for their making loans in states without a license. Alot of these companies use bogus addresses to keep people from finding out where they actually are.

By all means close your bank account ASAP, otherwise you just keep getting deeper and deeper into it. Once you do you WILL have more peace of mind. Trust us on this one.

Tammy, I sent my cert'd letter to Nevada. Do you have the OK address?

The address you have posted is also listed under the BBB website.

Your search resulted in 2 businesses that matched the criteria provided.
Click on a business name to view its report. If a company is a member of the BBB, the BBB logo will appear to the left of the company name.
--------------------------------------------------------------------------------
One Click Cash
2533 N Carson St Ste. 5024
Carson City, NV 89706
OneClickCash
53946 Highway 12 Ste #3
Niobrara, NE 68760

There are one in the same.

They are one in the same.

Just an update, my cert'd letter where signed for in Nevada.

Anybody knows about Oxford Collection Services

I do believe UCL is using the OK address at this time. I sent certified mail to the Nevada address this past winter and they did accept it there. It states on the BBB website that they no longer accept mail at the Nevada address though.

Damaris,

The name is familiar to me, is this a collection agency in reference to a pdl?

It's a law firm, not a collection agency. Their address is:

Margolis, Pritzker , Epstein & Blatt, P.A.
Address: 405 E. Joppa Rd.
Suite 100
Towson, MD 21286-5487
Phone: (410) 823-2222
Fax: (410) 337-0098

Check the date of last payment on this account. The SOL in VA is for 3 years. Has this law firm hit your credit file?

Damaris,

Just an update. New York passed a law a couple of years ago that make payday loans illegal whether online or in-store.

I would advise you to contact the PDL Lender and advise them of this and work out either a payment plan or obtain a refund and close the account, noting it "Paid in Full".

i recieve my mail from the oklahoma address.

When I called for the physical address for UnitedCashLoans I was given the address of
3531 P Street NW
PO Box 11
Miami, OK 74355
that is also the same address I was given for ameriloan. The address I was given for OneStepCash was.
9218 Metcalf Ave Suite 112
Overland Park, KS 66212

yes i got that too but the mailing i got mailed the address was eight tribes street po box 111 miami ok 74355 so thats how i listed it on my d/c company

I am new to this site and have been reading the post about the payday loans. Which I have store front and internet. I am in TN. How do you deal with the store front loans. I have heard everyone talking about the internet ones.

Kev, the store front ones are usually more likely to work with you on making payment arrangements. It's best to talk to them face to face and level with them and see what you can work out.

I think store front loans are safer because they cannot claim to be from another state with weak PDL laws.

Anyone catch that one thread where a store front PDL took someone to court and the judge ordered a refund instead due to the high interest/penalties that were already paid?

would you recommend t&c or debt consolidation for the payday loans once or before bank closing?

kevntn, talk to your lenders and make them aware about your payment plans. If they are ready to work with you without any problems, there won't be a need to close your bank account. But, if they debit your account even after you have done an arrangement with them, you can change your account number after notifying your bank.

I had 7 payday loans thought I paid them all...my bank account got 2100 od but the payday loans were paid...out of the blue I got a call from fredrick d kelly attorney a Ms. Bias said I owed 3500.oo and she was going to get me for fraud and issue a felony warrant and she had plenty of evidence she crossed her T's and Dotted her I's she cliamed. It was for a 500.oo loan from american web cash.com and it had slipped through the cracks....I live in Arkansas

when I was paying my loans off they still went into my account

These morons have been calling me for over a year! Probably once or twice a day. At first it annoyed me, now it's kind of funny...I never took a loan out with them, they refuse to send me any kind of paperwork with loan terms, amount, etc...I reported them to the district attorney in nebraska already, and I checked with my state's banking department and they are not licensed in my state. The one thing I found interesting about them is that it would appear that they are owned by a native american tribe, and they are claiming immunity for all the illegal means they have been using to collect money. Has anyone else heard about this? It was started by a court order in CA. :twisted:

Can they report this on credit report

Hi can someone tell me please how do they know when you have an overdrawn in your account, also, they told me that i need to get a debit card so that i can pay them..is that true?

yeah i got a loan for $300 but i would have to pay back $390, so they said they would just the money out of my acc, but than they started taking money after they took the $390, and i called them and they told me i still owe $250 because i dint call them and let them know what i wanted pay lol, than they told me, out of the $150 they took each time only $60 went to my loan, its joke i will never get a payday loan agian its one big scam!! :mad: