Need Help with U.S. National Bank!!

Well I will tell you off the back both of those loans are ILLEGAL as heck! WWC is in the UK. And MTE is ILLEGAL everywhere. They have no business lending in the US anywayz. So this is probably why they have not contacted you in so long they probably just wrote it off. If you feel obligated to pay what you borrowed then fine. I would not stir the pot if I was you, but I see your nerves are on edge at this point. They cannot do anything to you LEGALLY! How much have you paid them in fees alone if any?

World Wide Cash Now
800-440-5869
fax: 800-454-6328

MTE Financial Services
515 G SE
Miami, OK 74355
[email]compliancedepartment@mtefs.com[/email]
866-539-7504
Try Nikki @ 866-465-5054 ext 4302
Or Sabrina @ 866-859-6129

I don't know how much I have paid them in fees alone. The loans are from 2006 I think so would have to go back and look. As I said, I did pay half to MTE but never heard back from them when I needed to make arrangements on the other half. Sorry ... Worldwide was in 2006. MTE was fall of 2007. Are you saying I should not do anything?

here's the deal j.these places aren't really trying to get paid.i don't count some foreign moron an effort.no written notice,no identifying the company.sounds like a bottomfeeder.if they are not willing to send something in writing or give a physical address,anya is right don't do anything.

Now I am not saying don't do ANYTHING. I have provided most updated info to my knowledge, BUT I am with Paul. These clowns are not trying to get paid if they are not willing to validate the debt by not honoring your request. No information, No payment. Simple as that! :D

I have not even heard from either of these companies. I was just trying to be proactive in getting them taken care of. Is this the wrong approach? I have not heard from either of them.

do you owe anything to these pdls?you see these two are illegal in the extreme,and will hound you.make sure you owe first.then communicate,not before that.

I do not know how much I owe either one. I know I paid both of them for quite awhile so I am thinking I probably overpaid but then I had a return of the extension fee with each one of them. This is when I started to make payment arrangements. I have no clue about Worlwide and would have to go back through my bank statements. As far as MTE, like I said, I made payment arrangements with them, paid the first half as I had agreed to but then had to call back to make arrangements on the second payment and have never been able to get through. I quit trying about three months ago but now with the calls I have been getting from these crazy people, I am wondering if I should try to get in touch with them again?

I agree with paul. For example. If you borrowed $200 from WWc and paid $360 in fees, and they are stating you owe $289 more on principal borrowedWRONG ANSWER!! You are DONE with them! That is what we mean by making sure you are finished with them first before you contact them, they owe you a refund. They are ILLEGAL to the EXTREME, also you need to know your state laws before you go throwing your money away :wink:

i would wait,check your bank info if you have it.as frog once told me let sleeping dogs lie.

Where can I find the state laws for Missouri?

Amen, Paul! I agree! See J9284, technically, since they are unlicensed to lend here in the US, then technically your loans are void and you do not have to pay them back. Morally you should, however, since you have already paid MORE than you borrowed, then you have fulfilled your obligation.

Since they are unlicensed, they would be unsuccessful IF they were to try to sue you. Chances are they won't sue you b/c they don't have a "valid" contract to enforce. What they are doing is extortion.

Just ignore them!

Some state laws say the loan is void, but other state's don't, and a judge could enforce the contract if they wanted. That is a reason why it's always best to at least pay back what you borrowed. That way it doesn't look like you are trying to get money for free and get a judge that sides with these companies.

Where can I find the laws for payday loans for Missouri where I am??

Go to your state's department of financials and they should have them online.

I guess I spoke too soon. I said they had not called since last Wednesday night. Now they called again tonight. I didn't answer the phone. I just saw it on the Caller ID. I am counting on the fact that you guys have said they will eventually give up. This has gone on off and on for two weeks. When do they finally give up??

It is a scare tactic to get you to pay....Dont send them a dime...You will be fine! :P

yes they will,give it time.i know it has been two weeks,but i had them on me for 3 or 4 weeks.that is because i returned a couple of calls.do not talk to them at all.

I went in on the U.S. BBB website this morning. I think I may have told you when I first got a call from these guys that they eventually (after asking about six times) told me they were from Morgan and Associates. However, the next couple of times they called me, even though it was the same number, they said they were from U.S. National Bank. The BBB website has an address for Morgan and Associates which is totally different than the one they gave me so I am sending another cease and desist letter today. What do you guys think about this number and them claiming it belongs to two different companies??

Just keeping you up to date. They called me again three times today. I didn't answer. are you sure they called this much before they finally gave up? This is the beginning of my second week. I know some of you have said it went on for 3-4 weeks but you thought it was because you made the mistake of talking to them.
I thought I had found a good address for them on the U.S. BBB site today. So, I was going to try this address to send another cease and desist letter. I got to the post office and it was not a valid address. How can i send a letter if there is no valid address?? I am ignoring them as you suggest but I would at least like to get a letter to them but I have to find them first! Any suggestions? Tweety, did you send letters and did they call you this much?

I hate to keep bugging you guys. You have been so great with your advice. But, what do I do if I cannot find a valid address to send a cease and desist letter?? It seems like they quit calling for a few days and then start up again.

that is how it went for me.the 3-4 weeks started when i stopped talking to them period.it is a pain,but they cannot do anything.once they get it through there thick accented skulls,they will move on.just be patient.

Thanks so much for your advice. I cannot tell you how much I appreciate it. So, what about the cease and desist letter?? I cannot seem to find a valid address for them??

they have a nevada address,but that is a shell address.

They did this to me, I told them all my loans were paid, i could send them documentation, i had a lawyer and did they want his number, they hung up and never called again....

So now the tables have turned..lol :lol: Good Job!

i know anya,aint it cool. :D 8)

Yup! Time to fight back!

Not sure what you mean?? Tables have not turned for me. They are still calling. I am just following your advice and ignoring them!

Well you are now educated in your rights and what they CAN and CANNOT do. Just stay strong. You need to focus on more important things than these idiots! trust me I had 11 PDls and now am PDL FREE thanks to the help I got here! This forum will help you as much as we can. We have all been threw it, so stay strong and ignore calls. Do not be nervous. THEY ARE ILLEGAL!! :wink:

Thanks Anya. I don't know what I would have done without all of you giving me advice. It is the only thing that has kept my sanity! So, tell me how you got rid of 11 pdls??

I followed the advice of the great minds here :D . I did my research and did the leg work. Make sure you DO YOUR RESEARCH! If you need help with anything, just ask. We will try to answer to the best of our knowledge. The moderaters and debt sameritans are Great in assisting! :D I have not been on forum long, but long enough to learn a whole lot of ins and outs about the PDL business. Good Luck!

Yes, I have been reading alot of posts on here and am beginning to get the hang of this but what do you mean DO YOUR RESEARCH?? Like I said in a previous post, I have a couple from several years ago I know are not paid completely (although I have paid well over the loan amount just with paying extension fees) and I want to make sure those are totally done with if I can. I don't want any more of these collection calls! Thanks for all of your help!

chances are J,if you got these over the internet they are unlicensed.therefore you only owe the principal.if you overpaid in fees then you are done,alot of bottomfeedrs disagree with that,but it's true.in short you probably overpaid and are due refunds,but they count on you not knowing that.

This is unbelievable. I just got another call from them and this time from an 816 area code which is my local area code! I made the mistake of answering the phone and I immediately told him I cannot take calls at work. How can this happen??!!

He said something about Cambridge. I am not sure if he said he was calling from Cambridge or collecting from someone at Cambridge which is something I have not heard from them before. I was so shocked by the call because I had not been answering that I really don't remember what he said. Has anyone heard of anything called Cambridge??

The number he called from was 816-399-0747. Does this sound familiar to anyone? He said he now had "another file" in his office on me. I am sure this is because he keeps giving me names of payday loan companies and I have never had loans with any he mentioned so maybe this is his new tactic.

i would just make note of the# and ignore that one too.just googled it.it comes up unknown#just a spoof of caller id.ignore it.

Have you ever heard of them using different phone numbers to contact a person?

I Googled it too and found a website (maybe it is local) where people said they have gotten calls from this number and when they call it back, the operator says it has been disconnected. Do they use different numbers to contact you sometimes?

IGNORE IT J9284. Do not panic :? No Validation of debt! No Payment! Remember That! :P

I know! I know! But I am kind of freaking out that they are calling me from different numbers now. Is this unusual? Actually, I guess I have read that U.S. National Bank has several different numbers that are listed on this website.

no it isn't,my 3-4 weeks was when i last talked to them.it isn't going to be easy,but make notes of the 816 number and know that is one more to ignore.

Paulmergel, did they call you from different numbers?

I am getting nervous again but trying to stay strong! Are you guys sure they are going to go away?? The first call was two weeks ago yesterday.

gauge when you last spoke to them,it took 3 maybe 4 weeks from last contact before they got the hint.

Unfortunately, I answered the phone today because it was a local area code. I was not expecting them so does this mean the cycle starts up again? I also told him this morning I cannot have calls at work and he still called back this afternoon. I didn't answer the second time. I had two payday loans during the time frame they are talking about. I am okay with one and talked to another one yesterday and today. I made payment arrangements with them about this time and also was diagnosed with cancer at the same time. They worked with me over paying it off and settled it for $30 less than what I actually owed. I have gotten calls from this collection agency occasionally over the past two years and it has been from this payday loan. I have to call the loan company each time and remind them of the settlement they made which was $30 less than the original loan. They explained to me that since the system still showed I owed $30 that when they download past due files to the collection agency, mine automatically goes. I talked to her again this morning and she assured me she will call them and fax them and tell them to quit calling me as it was a mistake that they received it. Due to everyone's advice on here, I also asked for a PIF letter from them and she said she would send one. She said she would take care of it today but they have still called twice. When he called today, he said they had received "another file" in their office on me. As you will recall, he just keeps naming off payday loan places when he talks to me and I have never had loans with any of these places so I think by saing "another file" they are just trying to name another loan company I never had a loan with. I am at the end of my rope here.

How do I actually register with this site? I see people talk on here about registering and I am wondering if talking live to someone woudl help. I am scared again guys! I am trying so hard not to be!

there should be something on the right of your screen.it says sign up,follow the instructions and your there.

So my question is, if you see that they are scamming you with all this bogus information that is inaccurate. Why are you stressing? :?

Honestly, Anya, I wish I knew. I am just so scared of these guys calling my employer. It is like they just won't leave me alone. I wish I could be as calm as you and others are on here. I have alerted the gal who backs me up on the phone as well as our receptionist but my boss has been out of town for two weeks. They have very strict guidelines here and the receptionist does not put a cold call through unless you practically tell your family history. She assures me no one would get through to my boss, but you are right, I am freaking. Darn! Everytime I have a few days I think I am getting better, they call again.