I need help

The pay day lender has to abide by the laws of the state that you are in. They will all tell you that they dont, but they do. If no rollovers are allowed in your state, that means no rollovers. I am assuming that this is an illegal PDL. How can an illegal company start legal procedings?

He says that If I took this before a judge that I would lose because they are not in California. And now he is threatining to take legal action against me.

First of all, if he took it before a judge he would have to do it in CA. Secondly no judge would grant anything to an illegal company.
Third we have all been thru this. It is just idle threats and scare tactics to get you to pay. How much do you legally owe this company? How much did you borrow?How much did you pay back?

I borrowed $300.00. I have paid $180.00 in rollover fees and $160.00 towards my loan.

Looks to me like this loan is already paid in full.

Yeah I know. I told the guy at One Click Cash all of this. What should I do now?

Hey llindsay!

I am also in California...the lender has to be licensed in YOUR state and follow the pdl's laws of YOUR state.

be right back...checking to see if they are licensed!

Thanks Volley, always good to have some one in your own state post info. It is true however for any state(jump in if I am wrong) that the pdl has to adhere to the laws of the consumer, not the laws of the pdls state.

Kash-there are some exceptions such as PA, as long as the lender is licensed in any state.


Lindsay-One Click Cash is not licensed in California.

Remain calm...these people will tell you ANYTHING to scare you including jail, FBI, etc...We even had one say they didnt have to follow laws within the USA! :?


Couple of things-
Dont take anymore of their calls...none.
We need to get you a cease and desist letter and mailed out to these idiots.

Is your checking account still open and are they still debiting?

No I have closed that account and opened up a new one. I know they can't arrest me, but I also know they can sue me. I don't want to be sued either.

They can not sue you. They are not a legally operating company. They will tell you all sorts of things to scare you into paying them. Please be calm. Nothing will happen to you. We ahve all been thru this.

Please take our advice and its going to be okay :) I also live in CA and I am dealing with it too.

I had overpaid almost all of my pay day loans.

They will say whatever it takes to get you to pay....WHATEVER IT TAKES! They are full of it!! If I was operating illegally, I wouldnt file a legal suit in court.

Has anyone else dealt with these people at One Click Cash? Will a cease and desist letter really work?

Sometimes the companies will honor it, somethimes they wont. But please remember that you are ok, and there is nothing that they can do to you, except to threaten you.

Okay..so your account is closed, thats good!

I am going to send you a test PM...respond back and then I will send you a great letter.

You can only do what you can....some will abide by the letter some will not.