mycashnow.com
Date: Mon, 02/02/2009 - 16:44
I have a couple questions regarding mycashnow.com.
I live in New York state and just became aware, via this site, that these are illegal.
I currently have a payday loan out with them for $580, in which i paid $300 to them in fees already. I previously had 3 loans with them with which i paid the amount borrowed plus a total of $800 in interest.
My question is how to go about contacting them stating that i will only pay back the amount borrowed as they are illegal in my state, and to close my account. do i fax, email, call or all 3? and what is there fax, email, or phone numbers??? also does anyone have a template to use??
Also how do i make sure they do not contact my references??
lastly, since i previously paid them over $800 in interest am i still obligated to pay them the $280 i owe them for my current loan or can i tell them that it is covered by the previous interest i paid them on previous loans????
thanks so much in advance. i already closed my bank account which they have on file
Pffffffft, if I had paid them $800.00 in interest I would consid
Pffffffft, if I had paid them $800.00 in interest I would consider they owe ME! Tell them to piss up a tree! They have lent to you illegally and have more than collected what you borrowed!
[quote]AFTER your account is secure send each pdl (the unlicensed and illegal) an email similar to THIS (please scroll down to locate letter template). Tailor this letter to your needs, and try to write it with the same basic concept in your own words. You will need to research and locate email addresses/physical addresses if you don't already have them, I suggest that you type the name of the pdl (example: "oneclickcash address") in the search box in the upper right hand corner of this forum. You may also search for addresses HERE at the Better Business Bureau.
File complaints: Most of the time, you can file a complaint online with the following, I encourage you to follow through with doing so, you will need to search the Internet for your state Attorney General's website, however, here are links to file complaints for the FTC, Online complaints: Federal Trade Commission., and the BETTER BUSINESS BUREAU.
Keep in mind that you may not receive a response for days, or even weeks, or, you may receive harassing and threatening phone calls. I have found the best way to deal with this is not to respond or reply, simply hang up.
Side note: If you have paid an illegal/unlicensed payday lender above and beyond the principal amount you borrowed, it might be a good idea to demand a refund and a paid in full letter/receipt. You may or may not get one or both. It still doesn't hurt to include that tidbit in your letter. :)[/quote]
this is jooomoo, i cant remember my password. i am going to go
this is jooomoo, i cant remember my password. i am going to go through the process but i dont mind if they harrass me. i just dont want them to call my references is what im saying. also i closed my checking account and opened a new one. are they able to withdraw money from my new one without my consent??
does anyone have the fax number or email address for them? i al
does anyone have the fax number or email address for them? i also contacted my attorney generals office. should i just wait to hear back from them?