United Cash Loans Help

Date: Sat, 07/28/2012 - 14:07

Submitted by anonymous
on Sat, 07/28/2012 - 14:07

Posts: 202330 Credits: [Donate]

Total Replies: 7

I have been a customer of United Cash Loans on and off for the last 2 years. I am finally in a position where I am finally getting rid of payday loans for good. I already used this forums advice for Loan shop and got out a loan with them after I paid $1,575 for a $750 loan. I didn't request a refund, I sent out the email and when I didnt get a response and when I called in, they said my account was paid in full and I will not be debited on my next payday which is this Tuesday (7/31).
Now, back to UCL. I currently have a loan out with them for $600 and I have already paid $540 in 3, $180 installments (4/27/12 , 5/25/12, 6/22/12) and I was currently able to get them to move my next payment until 8/24 because I need some breathing room to get my bonus at work. However, I do not want to pay the $780 balance in August after already paying them $540. Any suggestions to get firm and effective with UCL. When I called to get the date push back the "supervisor" seemed cool but I am sure I can be more effective via email.
Instead of using the generic form, is there something else I can hit them with since I have probably paid thousands of dollars in extra interest.
Finally, They still have my address and employer as my old job in NY, but I have been in FL for the last year and this current loan I took out in Florida.
Ok I am done now, lol.......any advice

You should be getting a refund from the other lender and then go

You should be getting a refund from the other lender and then going ahead and using part of that refund check to pay off the remaining balance to the principal on your other loan. In NY all payday loans are illegal as are unlicensed internet lenders.

lrhall41

Submitted by waffles on Sat, 07/28/2012 - 22:58

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So do I send LoanShopOnline demanding another refund? in what am

So do I send LoanShopOnline demanding another refund? in what amount? the entire interest or just excess interest of $225?

lrhall41

Submitted by on Sun, 07/29/2012 - 04:56

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United Cash Loans are NOT licensed in Florida nor would they hav

United Cash Loans are NOT licensed in Florida nor would they have been licenced in NY State. Follow the link in my signature line for how to deal with illegal loans. I wouldnt give them another penny.

lrhall41

Submitted by SOAPLADY on Sun, 07/29/2012 - 06:24

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GREAT. I will do what I did with Loanshop and get UCL off of my

GREAT. I will do what I did with Loanshop and get UCL off of my back. With the refund process with Loanshop, Should I be requesting a refund for the excess interest or just the amount after principal.

Also have open loans with:

Integrity Advance
Ameriloan

Are those licensed in Florida as well?

lrhall41

Submitted by on Sun, 07/29/2012 - 18:02

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With illegal loans, you only owe principal...no fees, no interes

With illegal loans, you only owe principal...no fees, no interest. However getting a refund is a crap shoot.

Ameriloan.....Illegal tribal loan
Integretiy...DE based....pretty sure illegal.

lrhall41

Submitted by SOAPLADY on Mon, 07/30/2012 - 04:04

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you should request one for every bit over the principal you paid

you should request one for every bit over the principal you paid. threaten them with FCC reporting. if its tribal or illegal internet they will mostly give it. offshore lender will almost never give a refund.

lrhall41

Submitted by on Mon, 07/30/2012 - 12:19

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united cash loans question

I to have a loan with them, and am scheduled to pay $390 on Oct 26.. No fraud has occured as of yet, but i am concerned about what im reading here about them..is this happening to everyone, and what should be my next steps then to protect myself

lrhall41

Submitted by on Thu, 10/18/2012 - 17:50

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