United Cash Loans
Date: Mon, 06/07/2010 - 11:15
Submitted by Donna1264030061
on
Mon, 06/07/2010 - 11:15
Total Replies: 3
Consumer's Original Complaint :
On 09/15/09, I obtained a payday loan from United Cash Loans in the amount of $300 plus a $90 service fee. From 10/02/09 through 01/22/10, I paid them $910 through rollovers and pay downs. After doing some research, I have found that they are operating illegally in the State of Arizona. I have also learned that I am only obligated to pay back what I originally borrowed, which I have done and then some. On February 3, 2010, I notified United Cash Loans with a cease and desist request and also asked for a paid in full on my account. They continue to call me at work and on my cell phone. On May 25, 2010, I mailed another letter to United Cash Loans once again explaining that I do not owe them anything and they actually owe me $520. This morning they called me at work and left a message with a co-worker, this is after notifying them numerous times that they are not to call me at work. I called them back and was told that the account is 9 months overdue. This is a lie. The last payment they rec'd from me was on 01/22/10. They also told me that I have an outstanding balance of $65. I told them that I would not pay it, as I have paid above and beyond what is legally responsible on my behalf. They told me that if I don't pay it by 5:00 p.m. EST today, then with finance fees, late fees, etc., I will owe them $1,600.
Consumer's Desired Resolution:
I am seeking a refund for overpayment of $520.00; in addition, I am seeking that they mark my account as paid in full. I am also requesting that they cease the phone calls to my place of employment. They called today and left a message with a co-worker, this is after I had specifically requested that they remove my work number from their call list. They are in violation.
[FONT=Arial][/FONT]
Response from United Cash Loans
[FONT=Arial][/FONT]We recognize this complaint as a response to a template of a form letter circulating the Internet (which the customer sent us her own copy as well). This form letter is full of mis-leading and inaccurate information. 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.
[FONT=Arial][/FONT]
Consumer's Rebuttal:
[FONT=Arial]There is no template used in my complaint against this company. They are operating illegally in the State of Arizona. I owe them nothing further. They have violated the Fair Debt Collection Practices by continually calling me at work after I have notified them numerous times not to. I have paid above and beyond what is legally required and will not pay them another red cent. They claim I have a balance of $65; when in all actuality, they owe me $520. They are not licensed to do business in Arizona; therefore their lending practices are illegal.
[/FONT]
Actually if United cash loans is the creditor, they are not viol
Actually if United cash loans is the creditor, they are not violating the FDCPA. FDCPA only applies to third parties collecting on a debt.
That's correct soaplady for reference here is a link to the FDCP
That's correct soaplady for reference here is a link to the FDCPA:
the link
Page 5 item six is what you need to read. The "Debt Collector" is a third party who will collect the debt for the creditor. If United Cash Loans is the creditor than the FDCPA doesn't pertain to them.
[QUOTE]Response from United Cash Loans We recognize this complai
[QUOTE]Response from United Cash Loans
We recognize this complaint as a response to a template of a form letter circulating the Internet (which the customer sent us her own copy as well). This form letter is full of mis-leading and inaccurate information. 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.[/QUOTE]
This is a typical response, I would just reply that they aren't licensed to lend in your state therefore they aren't following your state laws, which makes this debt noncollectable. The FDCPA only applies to third party collectors.
[FONT=Arial][/FONT]
