more info for shazzers

PDL's will try to scare you into saying they won't accept "this or that." When I had PDL issues, and the PDL's were telling me I couldn't send anything MoneyGram or Moneyorder, I sent them that way, anyway. They DID accept it. I kept records of everything. Is $50.00, every two weeks, is what you're paying/ What is the 'original' payment you agreed to? At least you are trying to pay your debt...i do have to applaud you for that.

Thanks for replying - that put my mind at ease - Here is the deal - I borrowed $450 from One Click Cash - but they said since it was returned - they were charging my $730.00 I was so confused by the time they alledgely explained it that I wasn't going to deal with it. They told me I HAD to make 4 payments of $180.00 - no less. I originally made the first payment but then had to have surgery on my knee and could not make that payment. I told them I would pay what I could. I then got an e- mail stating that they had talked to me and that they would move the next payment of $180 back a week. (great favor) Like a week was going to make a difference. I then told them that I should only have to pay the amount of $450 back and no more. United Cash Loan is doing the same thing - they lent me $350 however they stated I have to send them $140 for the next 4 payment - I originally sent them $140 and then contacted them before my next payment was even done and explained the situation. I don't understand. I am truly going to pay these back - I know this is a responsibility (a stupid gross error of judgement) on my account but I will have to pay it off every 2 weeks with the funds I have left - not what they are expecting me to . What happens to the people who never pay these back ?

If you have closed out your account, simply send the money orders, return receipt requested. Pay only the principal amount as I believe neither of these are licensed. What state are you in again?

One Click Cash
52946 Highway 12
Suite 3
Niobrara, NE 68760
Fax 1-800-803-9136
Ph: 1-800-349-9418
compliancedepartment(at)oneclickcash.com

United Cash Loans are part of MNE and are not licensed anywhere.
UCL (800) 279-8511
3531 P Street, NW
PO Box 111
Miami, OK 74355

I hope the information below will help you. :)
You are only obligated to pay back the principal amount you borrowed from an unlicensed/illegal Internet Payday Lender.

[quote]What should you do?
Close your account asap, if you are unable to close your account, go into your bank and ask to speak with the Branch Manager, tell him/her you need a hard debit block placed on your account immediately! Explain that you are revoking ACH authorizations from unlicensed/illegal companies, and have learned these companies are notorious for ignoring revocation, therefore it is important to BLOCK any withdrawal attempts on your account to protect your interest. This is your privilege, do not accept no for an answer. The following link will provide you important information regarding closing accounts. CLICK HERE

What next?
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]

Illinois

Can someone tell me, please, if the LoanShop ( a PDL) is illegal in PA? They have been sending me ads, via the web. It's amazing where PDL's get people's addresses. It's also very scary.

If this is the same one as below, then yes, they are based in Canada.

Loan Shop
E-Care/Sonic Payday/Cash Transfer Centers/Loan Shop/Northway Credit (these are all one company)
13696 104th Avenue
Surrey, BC Canada V3R 1V9
phone: 1-866-958-3278
fax: 1-866-809-4069
email: customercare(at)cashtransfercenters.com

Thanks. I appriciate the answer. All of the PDL's above I've heard of, except one...Northway Credit. Is THAT a PDL as well? I'm just 'throwing a question out there.' Why do most of the PDL's come out of Canada?Anyone have any comment on this?