Response from UnitedCash, Help!
Date: Fri, 06/15/2007 - 09:47
To Whom it May Concern, Please mark my account PAID IN FULL. I have calculated my payments and I have paid back what I legally owe you. To date I have paid over $400 on a $350 loan. The state of Florida does not allow roll overs on pay day loans. I have CLOSED my checking account you debited from because of some other unauthorized transactions. Please cease all communications with me and mark my account Paid in Full. If this request is not upheld, I will be forced to inform my attorney general of your actions and your illegal operation in the state of Florida. Cordially, |
I just received this email from them today Quote:
This department has received recent communication regarding the above account. Please be reminded that the terms and conditions of the agreement you entered into with our company was presented to you at the time of your application and you were given a 48 hour window in which to cancel the agreement. In addition before each debit processed (within the guidelines of the agreement) you were given an account summary stating your options of fulfilling the agreement including instructions for repayment of the entire amount of the advance, in order not to incur additional fees. Since there is no mention of a specific problem with the way your account has been handled we must conclude your account was handled as agreed therefore your account will continue to be handled as agreed. Your persistence in this matter with us or any other agency that does not include an account of how your account was handled out of the guidelines of the signed agreement will merit the same response as the one you are now reading. A copy of your electronically signed contract can be faxed for your review. If, after your review, you find your account was handled differently than was/and is stated in the agreement please forward those details at once so further review of your account can be completed. It is our earnest endeavor to provide the best possible customer service and customer satisfaction and miss-handled accounts will be researched and addressed immediately. Any Legal questions will not be answered; they must be placed in writing to our Legal Dept via Fax1-800-230-9480, your account will continue per the contract, you are currently in collections with a balance of $545.00. Please also note, we are the original creditor, the fdcpa applies only to 3rd party collectors. We appreciate the opportunity to respond to your concern. Sincerely Compliance Department United Cash Compliance Department |
How do I respond to this? For those of you who have dealt with UnitedCashLoans, what can i expect from them if I just ignore them?
Oh, and now my balance is $545! wtf?!
Just keep at them . . . This is a common response from a pdl . .
Just keep at them . . . This is a common response from a pdl . . . . They always say this crap. Just keep sending them letters, file those complaints, and be patient. Sometimes it takes a while for them to really respond to what you are saying.
I agree...you have to be persistant! Don't give into them and j
I agree...you have to be persistant! Don't give into them and just keep bombarding them with your letters. Keep copies of all your letters. You also may want to write a letter stating that you revoke Authorization for wage assignment, to contact your employer, and place of employement. Doesn't mean they are going to listen, but at least you have it in writing. Also state again that you will only communicate via email or USPS so you can have everything that transpires between you in black and white
They have to abide by your state laws. They are nothing but loan
They have to abide by your state laws. They are nothing but loan sharks. As suggested, have patience when it comes to response on complaints filed. Keep everything documented with them in case you need it in the future.
