US FAST Cash response

how much do you owe them again?

I originally borrows $300 with a fee of $90 making it $390 they are claiming that the total amount is $585 but they are willing to take $120 because I have already paid $270.

you owe them 30.00.they are illegal,not licensed at all.it's up to you,they like to spin things there way.bottom line,you owe what you borrowed from them,nothing more.that is 30.00.

I sent Geneva roth and email telling them their loans in the state of Michigan were illegal and I received a call and was just told by Geneva roth that they are licensed under Utah law and since I came to them this was an unsolicited loan and the terms of there contract stand and I need to pay what I owe and if I want to send them $260 (the original loan) to pay off the loan I can do so other than that they will continue to charge my checking account an extension fee. He told me the payments I made don't matter because they were only extension fees. what should I do now?

that is what I originally told them that I had paid $270 and I only owed them $30. I am going to send them the $30, if I can get a mailing address and make a note of it. Thank you.

i don't know if MI is a state where if they are licensed anywhere then that counts.someone should be along to answer that.

To: USFastCash Compliance Department
Subject: Re: Account Settlement


US FAst Cash is unlicensed and I have paid you $270 on a original loan amount of $300, I am going to send you $30 via u.s. mail and my account should be listed as paid in full. Please forward your mailing address, I will not send any payment western union or moneygram.

USFAST cash response
Your account will now continue in collections per the agreement. We will not respond to any further emails or demands. If you mail in 30.00 your balance will still be 555.00, and we are the original creditor, you will be called by our collections team, as soon as today. Thank you.

did you file AG complaints?if not file asap.

I did file with the BBB but will go to the AG of my state and see how to file a complaint.

I got the same BS from UFC. I owe them $30 as well. I have reported them to their processor. My AG is now working on it as well. I am going to call their bank to try and find a mailing address. Good luck and keep us posted.

Maybe we should file a complaint with OK AG. USFastcash owes me $225. I filed complaint with OH AG and that did not help get me a refund. I think Ohio is too busy with other complaints, i.e. foreclsures, to care too much about internet pdls. Mailing address in Miami OK is on an Indian Reservation. I think someone is renting area just like they rent banks. Just thinking out loud.

your thought is right,they do pay to have that
address in conjunction with the reservation.
it makes the complaints slower to resolve,but
alot of us me included stuck with it and won
in the end.

Could one assume that even though multiple PDLs have the same address, they could be just "renting" the address from the reservation for whatever reason? I was going on the premise that the same address meant the same company? If I am reading your post correctly that is not the case.

not exactly,as far as i know.MTE is the only pdl
that uses that guise.some overseas pdl's have
a p.o. box in the states but there real address
is in the UK,IRELAND,OR MALTA.so as far as the
indian reservation goes,i think MTE is the only one.

LLW question who is the UFC processor and how do you file a complaint with them?

Guest:

I will gladly help you with this if you could pm me. I don't think you can pm registered as a guest. Maybe you can register with the site?

Why not post the info publically? That way it will help more then just one person . . . .

that was me, jacks139, I was not signed in but I will pm you. thanks

Lately, what I have to offer seems moot and is considered as misinformation. Just trying to not confuse the board, as a whole. If someone wants to solicit the info they can have it. I just don't want to be doing people wrong.

Sorry bout the not signing in thing. Anyone can ask me anything but my public opinion will not be listed on the board.

Then I would have to recommend that people do not pm you for advice.

To all the members out here: When you post on the forum, you will get many opinions. You can decide for yourself what is right and what will work best for your situation. But if you get advice through pm's, if it's wrong, there is no counter balance to it. You could make your situation much worse then it already is. At least if you get wrong advice on the forums, it will be corrected . . . . .

I guess that would be your perogative and your opinion. I do agree, and I have stated it several times, that using this forum will give you tons of information. One must choose for themselves what they will use and what they will disregard. However, that is my point. If I don't agree with an opinion or advice, I move along. I don't argue the point, I respect what the poster had to say and I respect the poster themselves for taking the time to share. I had something to say and I said it. I really didn't need to be put down for believing what I did. There are many people on here who have "alternate" views and perspectives. It doesn't make then right or wrong, just different. They also offer different solutions. I have taken what I have read, filtered through it, decided who I would believe in and went from there. When I came here in early February I had 5 PDLs. Through the wisdom and advice on this board, I have been able to resolve 4 of them at the original amount of the loan, and as of today one below what they deposited into my account. And that my friend, was with the advice of James. I have read each and every one of James' posts, I have read and commented on his own board and I decided to "try it his way". I used his info and within less than 48 hours I have received an email from UsFastCash stating the following:

Your account is closed, your balance zero.
-----Original Message-----
Sent: Sunday, April 27, 2008 9:38 AM
To: USFastCash Compliance Department
Subject: Intercept EFT/authorization revocation


Attached is a copy of a recent communication which has been sent to Intercept EFT regarding my account and your continued attempts to collect on an illegal loan. At this point in time, I feel that it is necessary to go beyond the boundaries of your organization to assist me in getting this resolved. I have also sent a copy of this communication to Bremer Bank, identified as the originator of the funding source. They have been notified via telephone that the communication/complaint is in the process of being delivered to their financial institution. Thank you for your attention to this matter.

I have recently spoken with your organization regarding an ACH/EFT revocation with USFastCash. I have also been in contact with Bremer Bank, which is the originator or their loans. I believe I spoke with Cindy. She was extremely helpful, sending an email to UsFastCash, as we spoke. I have not heard from them, as she indicated I would but that in it self is not a concern. They never answer requests. However, I have sent them an authorization revocation but they do not seem to be honoring that request. According to their website, they have a payment scheduled for April 30, 2008, in the amount of $90.00 I am now revoking any ACH/EFT withdrawals generated by UsFastCash, directly to you, as the third party processor. Please see the attached letter which has been sent to them repeatedly. Thank you for all your help.


So,in a nutshell, I hit them where they live and I suggest that anyone dealing with USFastCash do the same. Vist James' website, take his advice. I do believe that one by one, these theifs will be brought down to their knees. This is not heresay, I have given the proof that what I say is an effective route to stopping these slugs in their tracts. I waited to bring this to the attention of the board for just that reason. . . . I too needed proof of what I was saying. I just expect to get it so quickly. Tomorrow I am moving on to Star Advance. With just one PDL left I now have the time and the energy to hit them where they live as well. Good luck to all. And once again, many thanks to James.

That is great - Now that we have proof that it works, I'll start recommending to everyone to go that route.

Goudah. . .thanks for the input. I think the recommendation has already been made. Please know that I am not an argumentative person, I just felt that the tone of the posts were getting personal. Like I said, I have have received tons of info from everyone here and I am hoping that I too am a contributing member of this community. Please take the time to read between the lines as there is also a wealth of information there.

I know you aren't argumentative - My point is that I like to see proof - The suggestion was made, but no proof was shown of it's effectivness until now. I can't on good consience recommend something I don't know will work. I'm happy to see that this is a viable avenue - And that it can offer fast results.

Hiya llw1995, so it works?!! Yippy!! Thanks for posting this information and your experience!

Well Shazzers, it worked for me. Cutting them off at the source does make sense cuz if they don't have funding or processing how can they do business? I would suggest that EVERYONE on here dealing with PDLs try to find out who processes, and the banks that handle their accounts and go from there. All I can say is, after I sent that email off to UFC, I had the email in my mailbox with no questions asked in about 31 hours. In my opinion that speaks volumes as to hitting just the right nerve, if you will.

Intercept EFT and Bremer Bank is who USFastCash uses to process & fund their illegal pdl...corrct? How did you get their address/email/phone numbers?
thanks,sky

You are correct. I have been able to obtain the info by a) reading James posts, b) doing an internet search, and c) confirming the info with my own bank, who has been a great help with this. It was actually pretty straight forward. I called Intercept EFT, they confirmed they processed for UsFastCash and ameriloan (I had loans out with both), I told them what was going on and they emailed UFC while I was on the phone. I then sent an email to UFC with a copy of the info I sent off to Intercept EFT and Bremer Bank. Today I got an email from UFC stating that my account was closed and had a zero balance.

Thanks for the info, but how did you find out Bremer Bank is their bank? I would like to do this with EDollarsDirect since I can't get them to respond to faxes or phone calls....rings and rings and rings.

thanks, sky

The bank had the information as the originator of the loan. Give your bank a call and ask them for the processor of the ACH/EFT from EDollarsDirect. I also checked my bank statements so I had a date to give them so they wouldn't have to spend time trying to locate it. As noted, I did speak with Bremer and made them aware of the illegal status in New York State. I sent all the info over to UFC and that is when I got a response. You have nothing to lose by trying this route but I think UFC has a whole bunch to lose if you do. Keep us posted.

Jacks-file complaints ASAP on USFAST CASH...they are nasty.

I am going to try to follow the route that was mentioned and read the posts. I haven't started getting those collection calls that they said I would start getting imediately. Maybe I can use the same methods with my other pay day loans. You guys are great thanks for providing so much useful information. :D

I am trying to post a reply I received from the BBB but the spam filter keeps saying I have a bad word in the post beginning with cia but i can't find it, any suggestions?

Here are the responses I am assuming this is the first step in the process.

Thank you for contacting the Better Business Bureau (BBB) regarding your complaint.
The BBB is a voluntary dispute resolution and self regulatory organization promoting ethical selling and advertising practices.

The complaint was received by the BBB on April 28, 2008 and has been assigned case# 99219325 in our files. Please make a note of this number.

Your complaint has been applied to the following business:
Geneva Roth Ventures
P.O. Box 148
Mission, KS 66201

The case has been reviewed by one of our Complaint personnel and has now been forwarded to the business for their response. Should you hear directly from the company and the complaint is resolved, please notify us immediately.

To view the ongoing status of this case, we encourage you to visit the following site on the Internet by clicking here.

Thank you for using the services of the BBB!

Sincerely,
Better Business Bureau
Complaint Department



Complaint ID#: 38014801
Business Name: USFastcash

Thank you for contacting the Better Business Bureau. Your complaint was received by the Bureau on April 28, 2008 and has been assigned case# 38014801in our files. Please make a note of this number for future reference.

Your complaint has been applied to the following business:
USFastcash
198 South Eights Tribes Trail
Miami, OK 74355

The case has been reviewed and has now been forwarded to the business for their response. This business has until May 13, 2008 to respond to your complaint. You may contact our office after May 13, 2008 to check the status of your complaint.

We encourage you to use our ONLINE COMPLAINT system to keep up with the progress of this complaint. To view the details of your case click here.

Sincerely,

Dan Wade
Dispute Resolution
BBB Complaint Department
[email]dwade@tulsabbb.org[/email]

That is a typical response. However, USFASTCASH never responded to the complaints I filed. It is a step in the right direction though :D

Tweety,
did they stop calling?

sorry, wasn't logged in again,

did USFC cease and desist?

After I filed complaints with the Attorney General's office, FTC and the BBB- yes, they did stop calling. I also sent them a cease and desist as well. I also stated in my letter to them with the C&D that if they call again I will file additional complaints against the company.

okay I know what I must do next, thank you.

Call 1-800-378-3328. Ask for the Processing Department. Have your bank statement ready. Revoke authorization and ask them to contact their client via email. Explain what you are going through and also that it is illegal. Email them and the processor requesting your loan be written off. The processor will be able to resolve your bank account to ANY payday lenders that use them. Revoke authorization with any others that may be there as well.

Call Intercept EFT immediately. I believe the number listed above is the correct number for them. They sent an email to UFC while I was on the phone with them. I then sent an email to UFC identifying the fact that I did so and in about 31 hours I received a short, sweet, and to the point email that my account was closed and had a zero balance. I also called Bremer Bank to file a complaint as well. (Bremer was the bank shown as the originator at my own bank). Good luck. Keep us posted.

no luck at intercept they told me it sounds like you need to contact your bank, my bank won't close my account so it is now $2000 overdrawn. You know something else that is funny you are not supposed to have more than one pay day loan out at a time and these people know that you have more than one because they are collecting for several places, would that be considered a breach of contract on there part? just curious. if intercept won't help me what can I do?

Intercept does process for UFC. That is who I spoke with. Try calling them again. You need to speak with Cindy. She was extremely helpful for me.

sorry that is my guest reply, i keep not signing in but here is what I received from Discount advances/credit deposit depot after I spoke with them and told them to refrain from debiting my checking account and that they were illegal in Michigan, she told me she has no idea where I am getting my information from because that isn't true and if I can't pay they will send my account to an outside collection agency, they immediately sent me the email below and I have no way of responding to it. I hate these places.
Credit Protection Depot


PLEASE BE ADVISED THAT WE ARE CONSIDERING POSSIBLE ACTION THAT MAY REQUIRE A COURT APPEARANCE. YOU ARE HEREBY NOTIFIED THAT A RECOMMENDATION TO OBTAIN OUTSIDE REPRESENTATION TO COLLECT THIS LEGALLY BINDING DEBT MAY BE OUR NEXT STEP .WE ARE PREPARING TO TAKE WHATEVER COLLECTION ATTEMPTS THAT ARE LEGAL, THAT ARE DEEMED NECESSARY AND APPROPRIATE. PLEASE TAKE INTO CONSIDERATION THAT WE WILL MAKE NO MORE ATTEMPTS TO HELP YOU CLEAR THIS MATTER VOLUNTARILY AS WE HAVE HAD TO CONCLUDE THAT YOU ARE NOT WISHING TO CLEAR THIS MATTER WILLINGLY.WE REGRET HAVING TO TAKE THIS ACTION BUT FEEL THAT YOU HAVE LEFT US NO ALTERNATIVE. IF YOU WANT TO AVOID FURTHER ACTION, PAYMENT IN FULL MUST BE RECEIVED AND YOU WILL NEED TO CALL ME AT TOLL FREE 1-866-645-1661. WE MUST REQUIRE THAT YOU RENDER YOUR PAYMENT IN THE AMOUNT OF $516.50 VIA WESTERN UNION QUICK COLLECT OR MONEYGRAM IMMEDIATELY. THIS PAYMENT REFLECTS YOUR BALANCE AS OF April 30th 2008.
PLEASE NOTE THAT WE MAY REQUEST POSSIBLE SERVICE IN ORDER TO TAKE WHATEVER STEPS LEGALLY NECESSARY IN ORDER TO PROTECT OUR INTEREST IN THIS MATTER. YOUR PROMPT RESPONSE WILL ONLY BENEFIT YOU. THIS IS OUR LAST ATTEMPT TO HELP YOU RESOLVE THIS WITHOUT THE NEED FOR OUTSIDE INTERVENTION.

This account may also be reported to CHECK-SKAN which is used in various states and if reported may decline your checks on a national basis!

The Western Union quick collect information is: (or you may go on line at westernunion.com)

1. Fill out the blue form for quick collect. (Or click the send now option)
2. The name of the company is Credit Protection Depot.
3. The code city: OFFER (ONE WORD NO SPACES).
4. The state is: Nevada.
5. The account number is your Social Security Number.
6. The reference number is your telephone number.

You can also use your debit card or various charge cards at westernunion.com (and using the quick collect option)

OR go to Moneygram and fill out the blue EXPRESSPAYMENT form.
1. The Company name is: CPD-OFFER
2. The Receive Code is: 4243
3. The City is: Las Vegas
4. The State is: Nevada
5. The Account Number is: 1430953803

If you are unable to pay $516.50 for the entire balance of the loan, then we must require a minimum payment of $172.17 to place the account on legal hold.

If this account is referred for further review and action to our outside firm for additional collection efforts, it will commence activity on the account to be done to the fullest extent of the law in order to protect our interest in this matter. At that point, you will be responsible for all additional fees associated with the costs involved for the collection of this debt.

Please call us immediately with the Control Number of your wire in order to update your account and to avoid other action and charges to you. Our toll free number is 1-866-645-1661. Thank you for your prompt response in clearing this matter. It is appreciated.

Sincerely,

Credit Protection Depot




**Please Do Not Reply To This Email**
You can contact us at our toll free number 1-866-645-1661.

got that email too from them,they seem to know people are using this site and others to there benefit.stick to your guns,they are totally illegal and they know it.outside sources,please.if you filed AG complaints file follow ups if not file.

so...they are illegal, but are wanting to take legal means to collect the $$ they loaned illegally? Too funny.

i know aint that the truth. :lol:

I got the same email long time ago......nothing ever happened.....if they are legal they dont have a leg to stand on in court from what I was told.

Jacks-what state are you in again?