United Cash Loan and US Fast Cash
Date: Tue, 02/12/2013 - 15:01
Messaged both UCL and USFC the letters I have seen on this forum. I live in Michigan and both these PDLs are illegal in Michigan, done my research already. And just so you know, I already had my checking acct closed, not because of them but because of other reasons. So they do NOT have access to my information. I borrowed $300 from each and no payments had been made to them as of yet.
Today, this is my response from them; I'll copy/paste each one and delete sensitive info.
My question is, USFC seems to be on board with me just paying the $300. But there is NO way I can afford to pay that in one lump sum. But UCL wants the $390 ($90 finance fee or whatever it is). And will allow me 3 monthly payments. What should I do? What should my response be to each?
Subject: US Fast Cash Date: 02/12/13
Dear (customer name):
The loan agreement you entered into with US Fast Cash was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian Tribe.
As a federally recognized Indian Tribe, the Miami Tribe of Oklahoma is a sovereign, just like the state of Michigan. As such, the loan agreement is a valid agreement under the laws of Miami Tribe of Oklahoma and is governed by the laws of the Miami Tribe of Oklahoma.
Please see the attached settlement offer:
Balance Due: $390.00
Application ID: 1997418435
This offer is being sent to you as an offer to settle the above referenced account. US Fast Cash is currently offering $300.00 as a settlement in full on the above noted account.
If you want to take advantage of this limited opportunity, please call one of our representatives today at our toll free number 1-800-635-6206 Ext 328 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@usfastcash.com. Payment must be received by US Fast Cash no later than the close of business on March 13th, 2013. Payment must be made via ACH and or the use of a debit/prepaid card by the above date, or the offer will be considered null and void. This is a limited opportunity and contingent upon the clearance of your good funds. If you would like US Fast Cash to automatic debit the amount, please give permission via email or call us at the number provided.
Upon clearance of the above noted funds, an email will be issued as verification that the above stated amount was received, has been cleared and is accepted as settlement of the above account. There will remain no further outstanding obligations pertaining to the account.
We take pride in assisting our customers to resolve their situations. Please call one of our representatives today to take advantage of this limited opportunity, please call our toll free number at 1-800-635-6206 Ext 328 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@usfastcash.com.
SETTLEMENT OFFER
Payment(s)
Amount
Due Date
Method of Delivery
1
300.00
03/13/13
ACH/Debit
Respectfully,
US Fast Cash Compliance Department
Phone: 1-800-635-6206 Ext 328
Fax: 1-800-470-6614
Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to whom it is addressed. Any review, retransmission, dissemination to unauthorized
persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
***************************************************************
Subject: United Cash Loans
Dear: (customer name)
Balance: $510.00
Thank you for your correspondence regarding your account. We are disappointed that you are no longer satisfied with your loan. However, the loan agreement you entered into with United Cash Loans was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian tribe.
In addition, it has come to our attention that the form you are using for your correspondence originated from a forum on the website http://www.debtconsolidationcare.com/ . Regrettably, posters on these types of forums tend to traffic in misinformation and mistruths. Often, forums of this nature advance the incorrect theory that form complaints and letters will absolve customers of the obligations set forth in the valid loan agreement entered into between the customer and United Cash Loans.
Notwithstanding, United Cash Loans takes pride in its customer relations and has reviewed your account to ensure that all debits and payments were in accordance with your loan agreement. Upon review, your transaction history shows that all debits and payments on your account were correct. As such, United Cash Loans will not be issuing a refund on your account. However we can settle this account for $390.00 by 03/0813. We may split this into 3 monthly payments of $130.00 starting on 3/8/13.
Should you have any further questions concerning your account please call our Compliance Department at 1-800-394-3757 Ext 282 Monday–Friday 8:00AM-3:00PM CST, or email the Compliance Department at compliancedepartment@unitedcashloans.com.
Thank you for your time and consideration in this matter.
Sincerely,
United Cash Loans Compliance Department
compliancedepartment@unitedcashloans.com
Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to whom it is addressed. Any review, retransmission, dissemination to unauthorized
persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
Today, this is my response from them; I'll copy/paste each one and delete sensitive info.
My question is, USFC seems to be on board with me just paying the $300. But there is NO way I can afford to pay that in one lump sum. But UCL wants the $390 ($90 finance fee or whatever it is). And will allow me 3 monthly payments. What should I do? What should my response be to each?
Subject: US Fast Cash Date: 02/12/13
Dear (customer name):
The loan agreement you entered into with US Fast Cash was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian Tribe.
As a federally recognized Indian Tribe, the Miami Tribe of Oklahoma is a sovereign, just like the state of Michigan. As such, the loan agreement is a valid agreement under the laws of Miami Tribe of Oklahoma and is governed by the laws of the Miami Tribe of Oklahoma.
Please see the attached settlement offer:
Balance Due: $390.00
Application ID: 1997418435
This offer is being sent to you as an offer to settle the above referenced account. US Fast Cash is currently offering $300.00 as a settlement in full on the above noted account.
If you want to take advantage of this limited opportunity, please call one of our representatives today at our toll free number 1-800-635-6206 Ext 328 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@usfastcash.com. Payment must be received by US Fast Cash no later than the close of business on March 13th, 2013. Payment must be made via ACH and or the use of a debit/prepaid card by the above date, or the offer will be considered null and void. This is a limited opportunity and contingent upon the clearance of your good funds. If you would like US Fast Cash to automatic debit the amount, please give permission via email or call us at the number provided.
Upon clearance of the above noted funds, an email will be issued as verification that the above stated amount was received, has been cleared and is accepted as settlement of the above account. There will remain no further outstanding obligations pertaining to the account.
We take pride in assisting our customers to resolve their situations. Please call one of our representatives today to take advantage of this limited opportunity, please call our toll free number at 1-800-635-6206 Ext 328 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@usfastcash.com.
SETTLEMENT OFFER
Payment(s)
Amount
Due Date
Method of Delivery
1
300.00
03/13/13
ACH/Debit
Respectfully,
US Fast Cash Compliance Department
Phone: 1-800-635-6206 Ext 328
Fax: 1-800-470-6614
Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to whom it is addressed. Any review, retransmission, dissemination to unauthorized
persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
***************************************************************
Subject: United Cash Loans
Dear: (customer name)
Balance: $510.00
Thank you for your correspondence regarding your account. We are disappointed that you are no longer satisfied with your loan. However, the loan agreement you entered into with United Cash Loans was and is a valid agreement, which is governed by the laws of the Miami Tribe of Oklahoma, a federally recognized Indian tribe.
In addition, it has come to our attention that the form you are using for your correspondence originated from a forum on the website http://www.debtconsolidationcare.com/ . Regrettably, posters on these types of forums tend to traffic in misinformation and mistruths. Often, forums of this nature advance the incorrect theory that form complaints and letters will absolve customers of the obligations set forth in the valid loan agreement entered into between the customer and United Cash Loans.
Notwithstanding, United Cash Loans takes pride in its customer relations and has reviewed your account to ensure that all debits and payments were in accordance with your loan agreement. Upon review, your transaction history shows that all debits and payments on your account were correct. As such, United Cash Loans will not be issuing a refund on your account. However we can settle this account for $390.00 by 03/0813. We may split this into 3 monthly payments of $130.00 starting on 3/8/13.
Should you have any further questions concerning your account please call our Compliance Department at 1-800-394-3757 Ext 282 Monday–Friday 8:00AM-3:00PM CST, or email the Compliance Department at compliancedepartment@unitedcashloans.com.
Thank you for your time and consideration in this matter.
Sincerely,
United Cash Loans Compliance Department
compliancedepartment@unitedcashloans.com
Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to whom it is addressed. Any review, retransmission, dissemination to unauthorized
persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
Well, here is the thing. You
Well, here is the thing. You know they are illegal in your state so you should already be aware that you are legally not liable to repay a single cent to them. Keeping that in mind, we recommend repaying only the principal amount on purely moral grounds.
Having said that, since these guys cannot do jack to you, you need to understand that you pay them however much you wish, whenever you wish, even if its going to be a dollar a month or nothing at all. No need to pay in lump sum, no need to get into payment agreements with them either. If these illegal lenders want their money, they will just have to play by your rules. The ball is in your court, enjoy the game.
sorry bingo
i had to delete the bullcrap scam loan offer,and bingonuts reply.sorry,but do not reply to those posts as they will be deleted eventually,or please alert a MOD to them.just don't reply as a scam piece of garbage.
I should suggest re-emailing
I should suggest re-emailing them with what works for you as far a repayment.. usually they will agree.. they know that you have figured out they are illegal and not going to mess around with them.. I wouldn't send them anything until they agree in writing to what you are saying. And then when you start to repay them send it via Money Order CMRRR to have a record or on a prepaid card with only enough for what you are authorizing them to take..
