Battle with OneClickCash...help please.

A little more info please...are they an internet pdl?? Did you check your state laws to see what was allowed? If they are debting from your bank account you will also have to include a cease and desist letter. At the beginning of this forum at the very top is a list of thing you should look at before closing your account and writing the pdl. Please take a look at it and come back with any questions you might have...and good luck!!

I wouldn't word things that way either . . . . You don't want to be accused of extortion. It's never a good idea to say "If you don't do what i want, I will turn you in." You should be filing complaints anyways, regarless of the level of cooperation the pdl gives. If everyone didn't file because they got what they wanted, then the state's ag's wouldn't know there was a problem that needs fixing.

I'm not saying you will be accused of extortion, but it's always a good idea to not even go anywhere near it . . . . .

Yes, the are an internet pdl.

I don't want to go through the hassle of closing my bank account YET...

How should I word the e-mail then?

I'm in NY, btw....

I would say that you are in the process of filing complaints with your ag's office.

Are they still debiting your account? Because it is just about impossible to get them to agree to anything when they still have access to your account.

Yes, they still have access to my account. I have several other bank accounts though. My current account is with Washington Mutual, and I opened a new checking account with them yesterday.

I also have accounts with Bank of America, Wachovia and ING Direct.

They aren't going to negotiate with you until their access is cut off. In fact, sending them this letter while they still have access may cause them to immediatly debit your account for the whole balance they think you owe . . . .

OH, don't want that to happen.

I guess this is a longshot, but has anyone ever had any luck simply calling them, laying out the situation, and gotten a PIF? (wishful thinking, I'm sure)

I have actually - But not with this company and uder different circumstances. But I have gotten a PIF with just a phone call to the right person. I didn't even have to ask, I called them on a major law they were breaking (requring me to pay with a checking account) and they offered to mark me PIF for "the mistake".

Goudah is right, until you default on the loan, they are not going to even acknowledge there is a problem. Unless you close the acct and have the payment returned "acct closed", you will not hear from them. I closed my account, several payts have been returned and I still have not heard from them yet. You are leaving yourself wide open as they can debit your account for any amount they choose. I have filed complaints the my AG and the consumer affairs dept. Good luck!

sorry - thought I was logged in - Goudah - can you arrange to give me credit for the post above. Thanks

IDPL-It looks like you're in NY also? If so, did they start harrassing you by phone yet? I can't afford to have these scumbags calling my job.

Well, I just sent OneClick an e-mail stating that I was aware of my my state's laws, etc and that I would like my loan marked PIF.

I won't hold my breath though.

NY - I can't give you credit for the above post, but what you can do is repost the info under your user name, and then I can delete the "guest" post. That way you will get credit for it.

Goudah is right, until you default on the loan, they are not going to even acknowledge there is a problem. Unless you close the acct and have the payment returned "acct closed", you will not hear from them. I closed my account, several payts have been returned and I still have not heard from them yet. You are leaving yourself wide open as they can debit your account for any amount they choose. I have filed complaints the my AG and the consumer affairs dept. Good luck!

jenn, One Click Cash is MTE. Please read through the posts on the forum regarding One Click Cash and MTE Financial. You will find out a lot. Priority number one - get rid of your bank account that they have the information on.

Thanks Cannr and everyone, I am going to do that tomorrow.

I am very worried that they are going to call my job. That's my only fear. I have to send a C&D letter asap I guess.

UGH, I could kick myself so hard for ever getting in to this mess.

They have not contacted me yet. and its been about a month since my default. The only difference here is they have no means to get it from me because I immediately closed my account before they overdrew it. I had paid over $300 in finance charges for a 350 loan, so If I owe them anything - it can't be much. I'll keep you posted. My first letter was just a revocation of ACH debits. I don't send the "rougher" letter regarding them being illegal in NYS until they come back threatening legal action, etc. I have loans with One Click,l ameriloan & United Cash Loans and MTE financial and I've only heard from MTE finaicial so far. I believe all of them are dbas of MTE. Somebody correct me if I am wrong. Thanks

Oh no, ny, they are ALL MTE Financial - my worst nightmare. You do not need to be corrected! MTE will not acknowledge that they are indeed all the d/b/a's; however, yes, they are. You have to handle each one separately. MTE is Satan.

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