United Cash Loans claim they are above the laws
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you bet i have.all MNE,MTE d/b/a's claim that stupid BS it's because there address is a p.o. box on an indian resrvation.that way they think any laws don't apply.they are not licensed at all either,but they don't let that stop them from there illegal ways.just keep at them.file AG COMPLAINTS if you already haven't.also FTC and BBB complaints.plus try not to engage them over the phone a complete waste of time and energy.
I already filed with the AG office regarding them but I am afria
I already filed with the AG office regarding them but I am afriad they are going to debit my account for this amount now. Should i tell my bank to make sure this trans do not go through or tell United that I will not be paying the $510 amount? thanks for your input.
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you must safeguard your bank account.either close it and open a new one or put it on a hard block.that means nothing goes out.make sure it can't be re-opened by pending debits.
well I am waiting to hear back from the AG office and intersting
well I am waiting to hear back from the AG office and intersting enough they looked up Unitedcashloans and said that they are licensed in CA and they have to obey the CA laws. Now that is interesting since everyone here is saying that they are not licensed for CA. Now this is I I think, if somehow they are than they need to go by our rules and if they are not after further review should I mail them a money order for the amount that I borrowed of $ 300 only? Thanks.
CLOSE YOUR ACCOUNT TODAY! :cry: THAT WAY THEY CAN NOT ACCESS Y
CLOSE YOUR ACCOUNT TODAY! :cry: THAT WAY THEY CAN NOT ACCESS YOUR MONEY.
PS: I am sorry for shouting but these companies are getting on my nerves with their B___S_____!
Forget the AG. Contact the Department of Corporations. They're
Forget the AG. Contact the Department of Corporations. They're already suing United Cash Loans and have obtained a court order forbidding it to make loans in California. If UCL is still making loans there, the Department would probably be VERY interested.
I cant believe that MTE hasn't been shut down yet. Didn't the s
I cant believe that MTE hasn't been shut down yet. Didn't the state of OK's department of banking send them a cease and desist a long freaking time ago?
I have one through ameriloan and I was looking over the contract
I have one through ameriloan and I was looking over the contract via email and it said something interesting: Governing Law: By obtaining this loan and or renewal of this loan thereafter, both parties agree that this Note and your account shall be governed by all applicable federal laws and all laws of the jurisdiction in which the Lender is located, regardless of which state you may reside, and you consent to the exclusive exercise of regulatory and adjudicatory authority by the jurisdiction in which the Lender is located over all matters related to this Note and your account, forsaking any other jurisdiction which either party may claim by virtue of residency. Does this mean that they don't have to abide by CA laws then? I also saw that Ameriloan as well as Unitedcashloans have the cease and desist on the Ca Corp website. I guess they are in teh same boat.
The State of Oklahoma issued a C&D to Rio Resources, not MTE. R
The State of Oklahoma issued a C&D to Rio Resources, not MTE. Rio is a partner of the Miami Tribe. Since the Oklahoma address is on a reservation, Oklahoma has no jurisdiction to shut them down. (Although they are probably watching the cases in California and Colorado CLOSELY to if anything changes.)
Of course, even if the Oklahoma authorities could physically enter the reservation they wouldn't find anything. MTE simply lends the Miami tribe's name (and they argue, their sovereign immunity) to two lenders in Colorado and Kansas, who then use a bunch of different names to process the loans from their call centers there.
I have already left a message with a Dean Hawkinson or something
I have already left a message with a Dean Hawkinson or something in with the Dept of Corporations to contact me hopefully so i can ask him for advice. Thanks.
ameriloan, One Click Cash, 500 Fast Cash, US Fast Cash and Unite
ameriloan, One Click Cash, 500 Fast Cash, US Fast Cash and United Cash Loans are the companies covered by the court order. (That's the key - any regulator can issue a C&D but they still have to go to court and enforce it. California did.) All of these operate out of Kansas - and aren't operated by any tribe.
jrodriguez, has someone previously posted the CA laws for you?
jrodriguez, has someone previously posted the CA laws for you? I'm not positive, but doesn't CA require PDLs to be licensed in that state in order to lend to residents of that state? If so, then it doesn't matter what the contract says. They would still need to be licensed in CA to lend in CA.
You really do need to close your bank account and revoke ACH authorizations:
http://www.debtconsolidationcare.com/paydayloan/close-account.html
Also, you need to revoke any voluntary wage assignments, and give a copy to your employer also.
I do not mean to sound dumb, but what do you mean covered by the
I do not mean to sound dumb, but what do you mean covered by the court order. Is it against them?
yeah, Unitedcashloans is trying to take out the $510 amount but
yeah, Unitedcashloans is trying to take out the $510 amount but I am having my bank block that transaction when they try so I can find out from the Ca Corp Dept on what to do with UnitedCashloans and ameriloan. I am trying to figure out what to do with my PDL's that I have with :
Unitedcashloans
Ameriloan
Sandpoint
FTR processing
VIP payments
EZ payday cash
discount advances
Thanks.
Yeah , I am pretty sure confident that they have to be licensed
Yeah , I am pretty sure confident that they have to be licensed in Ca to transact these PDL's so if that is the cas then what is worded on there supposed contract would be viod.
United Cash Loans will tell you just about anything! I told the
United Cash Loans will tell you just about anything! I told them that the Government of the State of Maryland told me that they were illegal in Maryland and they told me that the people in Maryland Government were wrong!!!
Unitedcashloans just took the $510 from my account now. Now it
Unitedcashloans just took the $510 from my account now. Now it might be PIF now but I am wondering should I fight that transaction and get it back or just let it go also knowing they are an illegal pdl company with a cease and desist order against them in CA. Thanks.
yOu need to close that account. Blocking that transaction will d
yOu need to close that account. Blocking that transaction will do NP GOOD at all. They will use another name or dollar amount. The account has to be closed or a hard block put on ALL transactions
Well that payment would of paid it off in full but I really did
Well that payment would of paid it off in full but I really did not want that amount to be paid. It is pending with my bank and I could probably get it back, but I am considering now to let it go and be done with them for good. I just do not know if I want to batlle with them do to the fact they have the C & D order against them in CA. I don't know how much to pay back at all, my loan was for $ 300 and now I have paid $510. Thanks.
I had a loan with United Cash Loans. I sent them the letter wit
I had a loan with United Cash Loans. I sent them the letter with CA laws, revoked debit authorization for my bank account and stated I would pay the balance of the principal - this was back in July. I could only send it via email and fax since I didn't have a physical address for them (none is listed on the website, contract, or their correspondence). Evidently they did receive it because they did not attempt to withdraw money from my account, BUT, they never responded either, I simply would get text messages saying my account was past due and to call them.
This morning I received an email stating my account was overdue and I owed them $480 (on a $300 loan, already have paid $180!) and gave me a link to follow to set up a "settlement" and payment arrangments via the web, the big draw being this could be done without ever speaking to a collector! Yeah right, not falling for it, not even following the link. Now I have the physical address, they're getting another copy of the letter (along with the first one, as dates are different) and copies of the papers filed against them in the state of CA. Complaints with all appropriate entities have been submitted as well.
If it were me, I wouldn't let them just take $510 from you - I believe in paying what you owe, but that's $300, not $510. Beware, you think it's paid off now but I believe these places sometimes continue to try and debit money from you account - just be careful.
Good luck!
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right on guest,jrod you need to either close that account now,or put a hard debit block on it.i wouldn't trust this illegal pdl as far as i can throw them.guest is right,that debit means nothing.they can still debit your account and probably will.