USFastCash responded...any comments, guys?

Date: Fri, 06/29/2007 - 05:54

Submitted by Sheyld
on Fri, 06/29/2007 - 05:54

Posts: 65 Credits: [Donate]

Total Replies: 114

Here is a copy of the email I just received from USFastCash. Below it is my response.

[quote][size=1]This department has received recent communication regarding the above account. The communication received is recognized as portions of a form letter (cut and Paste template) currently being widely circulated via the Internet. Unfortunately this form letter is filled with misleading and incorrect information. The use of this form letter leads us to believe that there is not a specific complaint connected with the handling of your 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 Fax1-800-470-6614.

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

US Fast Cash Compliance Department
Fax: 1-800-470-6614
Email: compliancedepartment(at)usfastcash.com[/size]

My response via email:

Thank you for your response.

[size=1]Regardless of the origin of the context of my letter, whether it be from the internet, a consumer reporting agency or Florida's Financial Regulations Department, the matter still stands. USFastCash IS NOT LICENSED IN THE STATE OF FLORIDA. As per Florida's Attorney General, USFastCash is also in violation of Florida statutes pertaining to pay day loans in this state.

My specific "concern" is that you are an illegal online lending organization, without licensure in the state of Florida. Therefore, you are breaking the law by continuing to loan money to consumers in this state, including myself. Additionally, your interest rates, fees and other wide and sundry charges are in excess of Florida statues pertaining to interest rate caps and usury laws. So, there you have your reason for "my persistence in this matter."

Please be assured that I do not have ANY legal questions. They have all been answered by my State Attorney's Office and, my complaint is being investigated. This is not a "cut and paste" statement but a statement of actuality and fact. I filed a complaint, have spoken to their office on numerous occasions and know exactly where I stand legally.

My bank will not honor any future debits and have been advised of the situation. I have rescinded your right to contact my employer, friends, family or references and I have also withdrawn any wage assignment that I may have signed pertaining this loan. However, if you feel the need to not comply with any of the above, please be advised that all phone calls will be recorded, all wage assignments will be denied (my payroll department has also been advised,) and any attempts at the above mentioned actions will only serve as additional documentation against USFast Cash.

As for any contract I may have "signed" over the internet, by all means please be so kind as to MAIL IT VIA U.S. POSTAL SERVICE to the address I provided: XXXXX. Any legitimate organization's legal department, online or otherwise, would not find this request unreasonable and would also be capable of receiving certified correspondence at their mailing address. So, once again, please be so kind as to mail a copy of my contract. It will serve as additional evidence and, as per the Attorney Generals Office's request, will be immediately forwarded to them to aid in their investigation.

It you would also be most helpful if you would provide me with your audit number for the State of Florida. This request is also reasonable and within my rights as a consumer.[/size][/quote]

Their e-mail response sounds like a cut and paste template they

Their e-mail response sounds like a cut and paste template they have sent to consumers. I've read it many times around the boards :roll: These clowns crack me up. Your response sounds awesome! I loved it and you should stick it to them. You have the law on your side and they don't. You've done the right thing by filing complaints against them and keeping in contact with your AG. I know the Florida AG does a great job when it comes to this stuff. It will be interesting to see if they respond to you. They usually duck and hide when the tough get going. Watch out because they also lie to government agencies. :x