help with getting out of fees on pdl

Payday loans are prohibited in your state, see the link below:
paydayloaninfo.org/stateinfo/MA.asp

They can't be stopped because most of them are located overseas, however, the more complaints that are filed with your state attorney general's office, the more likely they will investigate these thieves.

You can't really stop them from debiting your account, you could revoke their right to debit your account per the EFTA law, but that is only temporary, because they will change their names and continue hitting your account. The ONLY solution is to CLOSE YOUR ACCOUNT!! CLICK HERE to find out how to deal with illegal lenders.

the more I read, the more relief I already feel. I can't wait to start the process today. I tried calling my bank and the guy told me I had to go into the branch and put a hold on my account in person. I plan to do that on my lunch today. :) Also, I have already drafted up the letters I will fax/mail out today. I will be demanding my refund and paid in full letters as well. I wanted to freeze my bank account BEFORE I sent those letter for fear that they'll come after me ten fold!

I have been told legally in MA they can't even garnish my wages so that is a huge relief. They've already taken so much from me! These people are horrible..feeding off of hard working, scared consumers. :(

This is the place to help w/ the PDLs; do as Shazzers says, get that bank account closed, or the PDls will continue to drain your money. (don't let them know ahead of time you're doing that, or they'll try to grab as much as they can before the act. is closed). Talk to the manager at your bank and explain the situation, they've probably heard similiar stories. Unfortunately there's no way you can stop the lenders from calling you (unitedcashloans is a particular pain), but now that you're taking the first steps, hopefully you'll be out of the PDL trap.

Okay so I went to my bank and boy did they give me a hard time. They kept insisting they cannot close the acount or put holds on it and when I finally brought up that I know for a fact, by law, they have to..so they did! Just keep fighting guys!

I've emailed my lenders..and I'm scared to death! lol...just waiting for the calls to start on my cell and at work...

Yikes!

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So I checked my bank account and my money is still all there. I checked the old account, which just has holds on it for now, and united cash loan didn't even bother trying to debit. One click cash has made the attempt, but obviously isn't going to get anywhere. I tried signing onto my united cash loans account but it says there is an issue with it and can't be viewed online. one click cash still remains like nothing has happened.

the funniest thing, if they DO try and call me at work, I had given them the number to the office I worked at back then. they've recently merged with another office so no one works there anymore. I checked last night for the hell of it and that line just rings into no where now..so unless they try to track me down by looking our number up or something, i think i'm safe at work??

anyway, no email responses or phone calls yet..but the day is young..

Yes, the day is young, and it may take a few days, or even more before you hear from them. If you have any further questions, let us know. Please keep us posted!

I would also send your payroll a letter revoking them the right to have a wage assignment. they cannot garnish your wages, since that involves them going to court and they are illegal but they can send over for a wage assingment, which are revokable. to be covered, send your HR one.
You are on your way to being payday loan free :)

Still no word from United Cash Loans. One Click Cash just called and left me a voicemail saying I need to call immediately to "voluntarily take care of this matter". Pssh. Should I call..??

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Wow..so its been a really long time it seems..and no emails, letters, calls..nothing since I last replied until today. Someone just called from an 800 number so I answered. He said he was from united cash loans and wanted me to pay $260 to settle my account before it was sent to a lawyer for collections. I asked if they have received the letter I had sent telling them I will only speak to them regarding my account via email or actual mail. He said they CANNOT talk to us any other way besides over the phone. Sounds like BS to me. Anyway, He informed me that although it may be illegal in massachusetts, when I signed what I did, I agreed to do business in Oaklahoma, so therefore, I am held responsible for my debt. I know I heard this company and One Click Cash are both illegal, but is this somewhat true? I'm getting a little nervous..I would hate to stir up unwarranted drama!

Anyway, he told me the phone calls would not stop..but he'd note my account. GREAT.

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I was tough, I told him whats uppp. lol
I work for collections myself so I know my rights as far as certain things go. I told him flat out I know what is legal so don't even bother threatening me.
Techincally with them, they can't even say I wrote them a bad check as they NEVER tried to debit my account after I sent them the letter.
I know they can reply via email because a longg time ago I had a question about my pay day falling on a different day than usual because of a holiday and they replied to me! So I know that is total crap. Its sad they think we are dumb. :(

Ok so last night at like 9pm I received a call from One Click Cash. I didn't know who they were, so I answered. The lady offered me a settlement of $111 a month for 6 months to clear my debt. She said she could email me and mail the info. (funny how if United Cash Loans and One Click Cash are one in the same..but United Cash can't mail/email but One Click can...hhmmm...) I asked if she received the letters I sent. She said no. (What the heck..) When I briefly gave her an overview and that I would resend the letter, she flat out said "so..you took out a loan from us without any intetion on paying it?" Whatever. I paid above and beyond the principle. Then my phone died. Good..because I would have laid into her something fierce. Pshh.

Question about garnishing wages..how would they even find out where I techincally work and where to send the wage assignment? I mean I sent the proper letters, but I'm worried they'll do it anyway...legal or not.

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what is a wage assignment and how does it differ from a garnishment?

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ok..In the letter I have sent to both lendors, I have included a wage assignment revoktion. I still don't get how they'd even find my employer and where to send it. They never asked for the address when I signed up and the phone number is now invaild because we closed that office. My payroll department isn't even techincally the same company. I'm only a tad worried because MY DAD IS HEAD OF HR..I didn't want him knowing I had drama.. :( but I guess its something I should do..

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no, they wouldn't have my payroll info, i never gave it to them..heheh. I think they'd have to track me down somehow..which I doubt they will. They only have my PO Box too..not my physical address. I guess I lucked out that way..

Soo...United Cash Loans called me again today. I seriously should just not even answer my phone anymore! They call as blocked numbers and my parents are private..so I stupidly pick up.

They DO NOT have their crap together though. The dude told me I took out the loan in March and never paid a dime to them. I'd owe over $750 right now for a $200 loan because of the renewal fees I never paid. I paid up until I sent the letter and closed my bank account...which is when I started this thread! Nut case. He tells me their first attempt in APRIL declined and they haven't tried since. LIESSS! I have print outs from my bank to prove otherwise. I started yelling at him like a crazed maniac.

I then demanded a license number, and he started rambling on about being a company for 25 years blah blah blah. Then he said if they weren't legit, my bank never would have accepted their money. I'm not dumb..lol..I flat out told him a bank is a business and if someone wanted to give them money, they'd take it no questions asked! DUH. Correct me if I'm wrong, please.

So he proceeds to tell me the same BS that because I signed a contract I gave up my rights under MA and the rules from Oklahoma are now what I'm under. He then told me to read up on federal laws and those overrule any MA laws anyway. He was all cocky, but little does he know he's dealing with a stubborn chicky.

So this other dude gets on the phone and they offer me a settlement of $165. I'm thinking about paying it to get them off my back...but that's like...letting them win..right? He also tells me that they CAN email and send snail mail..hmmm...so I told him the guy I talked to Tuesday said they couldn't and he told me that man must have been confused.

But yeah, he basically told me I was misinformed by whoever told me they weren't legit...and that I should have those people pay my loan lol! I asked him if he ever received my letter and they said no..which I know if bull because they never tried to debit my account again since I sent that letter. I even asked when his last attempt was and this man said June 1st..which is what my records show is the last time I let them take money from me. (funny how the other guy showed april..) So I asked him why would they not take the money if they never got my letter..? Wouldn't it be business as usual? These people are morons.

Yep, complete morons. Makes ya wonder where they find these people who work for them, not too bright are they!

LOL, I looked them up on the BBB website like United Cash TOLD ME TO DO..and their rating is 'F'! Gosh, I wonder why. I've filed complaints with BBB, FTC and Atty General. I'm sure they'll love hearing I signed my rights away..!

Oh..and..I can't find their license number on their page..it says to their knowledge they are unlicensed. Can someone point me in the direction of another page for info like that just so I can rub it in their face if they bug me again?

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yeah, i've decided i'm not answering my phone anymore. i'm done with them. I just can't believe they'd refer me to a website that said such horrible things about them! If you look up One Click Cash on the BBB site, it's even more horrible things. They were probably hoping their word was good enough for me and I'd just pay them right then and there. Even if I wanted to, there is NO freaking way I'd give them my bank account information again like they wanted. PLEASE, I'm not than dumb. It's sad how scummy these people are.

soo..I received a response via BBB from United Cash Loans.

To Whom It May Concern:
We recognize this complaint as a response to information circulating the Internet. This information is full of mis-leading and inaccurate statements. Unless this customer has a specific complaint regarding the handling of their account, we do not believe a response is warranted. Thank you for your consideration in this matter.


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I was so upset. My complaint was nothing but specific giving dates of communications and everything. So I wrote back saying I did not accept their response. They wrote back again today saying they stand on their original statement. My case was closed. :( So not fair that they can just brush me off like that!! Has anyone else had this issues when filing complaints??

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that makes me feel better, Thanks! I thought my complaint wasn't right or something..even though I was very careful to only list actual occurrences that happened to me! It just shows me all the more how shady these people can be.

Have you gotten them to stop harrassing you? I realize this is old but I am also dealing with them now, not knowing they were illegal in MA.