payco payday loan

Hey the number for Payco loan company is 1-800-274-4159!

Be aware that "Payco" is formerly "AIP d/b/a American International Processing". Payco is based out of the UK and highly ILLEGAL! :?

Hi Friend,

If you're looking for PAYCO PAYDAY LOANS for balance or pay-off information, their number is 1-866-575-0400. You might also try EXT 139 (JAMIE) since she was the one that finalized my own loan.

Good luck.

A Fellow Partner

Just a quick message of caution.I almost took out a loan with
payco but because they could not connect with the bank to
verify checking account info they said they could not loan to
me.Actually I was going to pull the plug on this anyway.Payco
were going to fund me a 300 dollar loan and the intial fee
would have been 134.00 and an additional 10.00 for a "processing" fee so.Also they said that I could keep paying
back the 144.00 each payday or pay the entire amount of
434.00 plus the 10.00 processing fee.I thank God that my bank could not connect to payco or else.Maybe the bank was actually wise to them and simply dropped the call.

I actually work for payco company and if everyone remembers no one forced your arms to take these loans! When these loans are setup your read a detailed script and you AGREE to these terms. Not one person in our company puts a gun to anyone's head and says you must take out this loan that's purely based on your own personal needs so if you were paying attention when we were speaking to you instead of tuning out everything we say just so you can get us off the phone then that's your own damn fault, pure and simple I personally believe if I would agree to these terms and was given instructions on how to repay, phone #'s to call and the oppurtunity to speak to a supervisor if needed then I should have to follow that agreement! I've worked for payco company for almost 2 years and have been through a lot with them and know that their not out to deliberatley screw people up the ass, you put that on yourself! I can't speak about what the specific terms are on here but I can say that stevekathy4867 is wrong on those terms so he/she is probably someone who gave us wrong info like most of you do or would have defaulted on the loan. Just baffles me but one thing I do know is you'll still keep taking loans out!!! Thanks

you work for payco,how proud you must be.a couple of points for you.

1)you are based overseas
2)phone contracts are illegal in the extreme
3)the phone #,s your company gives are either busy when we
call or disconnect us,so we can't repay your illegal loan.
4)nobody that comes to this forum wiser,will never ehehever
deal with mopes like you again.

there now go harrass somebody will ya.i'm sure there are people who haven't been to this forum yet.better get moving
because the number of consumers putting up with your tactics is dwindling.get your digs in while you can troll.

Way to go Paul :lol:

I cannot believe above guest had the audacity to come down on consumers when the company itself are the CROOKS :evil:

Yes people do not read the fine print and listen to directions clearly. This is exactly what companies like "Payco" prey on. They know people will need money in desperate times, so they spit that dribble over the phone then once you agree they GOT YOU! Tables turn when the consumer gets educated and takes matters into their own hands. Besides $144 interest on a $300 loan is NUTZ! :twisted:

AIP is NOT based overseas. They are located in DE.

I do agree that people need to take personal responsibility for their actions. No one forced them to take out multple loans, it was a decision we all made and need to take responsibility for our actions. We cannot blame a company for something we initiated.

Thing with Payco. there is nothing to read. It is read to you. So you do have no excuse for not knowing the terms before you take out the loan.

I had a loan with AIP a while back, and had no trouble with getting them on the phone. I think Paul is referring to other companies in his post.

I do think people tend to put all the blame on the company and forget their part in the situation. And it's a shame, because until people take the responsibility for their actions and make changes in their lives, their situation isn't going to get much better.

Goudah there call center is in DE correct. The headquarters is in UK. I got a letter from AIP lawyers stating so. Also I got a letter from the UK headquarters of AIP stating they were sorry for any inconveinence and they refunded me. Payco uses a US address, but all transactions are done in the UK. Also along with "World Wide Cash". Hope this helps any consumers dealing with them.

No, AIP does processing for payday loan companies that are in the UK. AIP is not actually the company giving you the loan, they just service the loans and do everything for the real lender. At least that is how they operated a few years back.

Yes that is correct. That is what AIP said. They were simply application processors for the overseas company. I.E. call center. If you wanted to get a refund, you will need to contact UK headquarters. But they contacted the headquarters for me and got my refund, I was blessed I guess. Wish it was that easy for everyone :?

well i was referring to AIP.when i had my problems with them i got both lines.there address was in DE,but they are not bound by US laws.goudah did give me the advice to file BBB complaints.seems that AG complaints didn't phase them.that is when i heard there line about being in the UK therefore they are not bound by us laws.everything was done like with GFSIL,B.I.G, or ROUTE 66.my BBB complaint came back as AIP
closed.
i will never condone anyone shirking responsibility,but i will not
give these pdl's some who are made to keep you paying indefinitley a pass at all.i see on this forum all the time people who wish to make good,threatened,harrassed,insulted,and hung up on.why?because they don't want to give out bank info after losing there former account to pdl overdrafts.they want to mail payment,but the pdl's try to do anything to get bank info.that is why my contempt for all internet pdl's is so high.

I know that is correct - That is why you have to contact the UK for a refund, AIP isn't the people giving the loan. They just service the loans.

I'm not saying anyone here is shirking responsibility, I was just making a general comment. I know you rock Paul! :D

I agree. Payco can be very evasive. So how do you get a honest response and do honest business with your customers and you act like that! My point is some PDL companies condone this type of behavior and I think that is wrong. I too have a high dislike for the internet/verbal agreement companies. SOME seem to be elusive and vauge with their company informatiom even when a customer is trying to be honest and pay what they owe :? Fool me once, but never twice :evil:

We all as customers need to be responsible and pay an owed debt. No one here on this forum condones getting out of paying a debt. Well at least I have never seen it as of yet here :wink:

no problem,i think healthy disagreement is a good thing.you can't always see exactly eye to eye.

Dito :wink:

amazedreader...that has to be the dumbest comment I have read yet by an employee. And let me tell you - I am not a dumb person rather highly educated with a REAL job and with a voice to speak what's right and what's wrong for those who cannot speak up for themselves. I am not saying you don't have a a job - but get real...bottom line is PDL's prey on people regardless of the circumstances - and bleed them dry. You are right no one put guns to their heads and no one sure as hell puts one to yours either and says do it rip them off - take as much as you can from them and knowingly it is illegal- so ask yourself this question - do you sleep good at night knowing its wrong to rip people off or make threats? Does it make you feel good knowing its not right -when people are struggling - I bet you are struggling yourself - so think about your comment - before you speak - you never know when it might bite you in the ass - and that is called bad Karma......Thank God I live in Calif - where almost all PDL's are illegal including Payco which is one of them.

Just to answer the "employee" of payco I stated exactly
what I was quoted by one of your employees.I did take
personal responsibility and not take out this loan.The person
on the other end stated that I would be bound by the laws
of the U.K.If you represent this or any other company shame
on you for using that kind of language on this or any other forum.Why not post the terms of your companies' loans on
this site so everyone could see for themselves?

:lol:

Do anybody know the address for this company because I want to pay them off because I am tried of 144 coming out of my check every pay period for 300.00 :o

how many times has this ILLEGAL pdl taken that 144.00?if it covered the 300.00 you are finished with them.you need to close your current account or place a hard block on it.let them call and threaten.because that is all they will do.if you could answer my question,that would help me help you.

Oh Paul if only you knew what you were talking about it's a shame, your probably one of the THOUSANDS of people who LIE to us EVERYDAY........ I'm sure your someone who didn't wanna pay your loan back anyway and only took it out because you probably already have 20 loans out like A LOT of people do. I could really care less as to what people to with their money and it's really not my business but how dare you say we cheat on purpose or steal their money. I think that If what we were doing was Illegal then we would be shut down but the last time that I checked I was at work today and will be there from 8:30 - 5 on 9/17/08. And one other point DID ANYONE OF US LOAN LENDERS DEMAND YOU PUT YOUR INFO ON THE INTERNET????????????????????? No you did that yourself and like I said before YOU PUT YOUSELF IN THESE SITUATIONS NOT US................ To the people out there who actually do, do the right thing THANK YOU!!!

ksando44 You might wanna tell the THOUSANDS and THOUSANDS of people from Cali that we set up EVERY week that PDL's are illegal in your state they might not know! The only 2 states on record not allowing PDL's are:
1. Georgia
2. West Virginia

From what were hearing Maryland Might be # 3 but Cali... THINK NOT

Also ksando44 your right I am struggling everyday no doubt about it BBBUUUTTT......... I know how to work through MY OWN PROBLEMS I don't ask people for money if I can't buy it with cash then guess what I don't need it... LIVE WITHIN YOUR MEANS....... And threats? Who ever threatened you cause we have a Dept Called Quality Control who monitors calls as well as Supervisors or Dept Managers and I HIGHLY doubt that anyone Threatened you or anyone else for that matter. Hell our Collections dept reads a script in detail and if anyone gets out of line their terminated no Q's asked..SO know what your talking about before you try and blast somebody!

I have been searching for payco's for long. Thank you members for that help.

lisa30,i still haven't heard from you.to the troll cause that's what you are.i can feel the thick accent over the net.your illegal company has to be licensed to lend in about 85 to 90%
of the states.your blither is doing nothing at all.lisa30 if she paid back her loan in illegal fees she is done.one question.if you are so legal,do something besides call mope.until then.

BURN BABY BURN. :twisted: :twisted:

amazedreader...again think about what you say..."NO" I have not been threatened. Secondly, California requires PDL's to be licensed to lend - so, does Payco have a license to lend California? The answer is 'NO" - plain and simple nor are they bonded!!!! I suggest you read California law specifically related to "Deferred Transactions Deposit" under The Department of Corporations. You might learn something - and that means "THINK YES - ILLEGAL" - AND YOU CAN ALWAYS CALL THEM YOURSELF AND FIND OUT THE REAL TRUTH...so truth be told...

This is the biggest scam in payday loans I've ever encountered. Do not agree to getting loans from this company as they are not fully explaining everything to you when you agree to get this loan.

Hi! I made the mistake of falling for the payco payday advance and I really want to pay it off once and for all. Can anyone tell me if I can put the balance on a credit card or does it need to be through my checking account? Thanks!

troubled,how much did you borrow and how much did you pay back total including fees.payco is overseas and illegal everywhere.if you paid back the principal you owe nothing else.please answer those two questions.to answer your question.payco will require your bank info.DO NOT GIVE IT TO THEM!they will bleed it dry.

I too am tired of paying 144.00 every pay period.But with no address,no phone#,how do we stop the pain?Enough is Enough!WE rebelled against those Brits once how about we do it again!

you close your current account open a new one. do not give it to them.that is how you stop them.no other way about it.

Could someone please tell me exactly how to close an account with Payco? I have paid the original $300 back plus over $1700 in fees and yet they now tell me they have sold the loan to a "crown investments" and will debit $480 this week. Please help!

First, What state are you in?

You need to put a ACH block on them at your bank or just close your bank account. They will continue to debt your account with interest fees.

Minnesota

Ive done business with pay co a few times a in 2008, there fees were not that high. If u pay the loan in full the first time u are supposed to then u r not really loosing money but if u choose to keep the money another payperiod and another payperiod than u are paying out the ass. The company has to make money too. These are called SHORT TERM Loans for EMERGENY spending. Some ppl dnt understand that ALL payday loans are like that. N besides payco isnt lending money any more jus trying to collect measley 300 dollars frm ppl who hasnt paid up yet. Anyways they a good company they worked for me.

nice post.horrible spelling,bad usage.i suspect the post above mine is a shill.