I got an e-mail from Cash Today Limited...what to do?

Send them this, prevailing European law:

[quote]RECOMMENDATION OF THE OECD COUNCIL CONCERNING
GUIDELINES FOR CONSUMER PROTECTION
IN THE CONTEXT OF ELECTRONIC COMMERCE
III. ONLINE DISCLOSURES
A. INFORMATION ABOUT THE BUSINESS
Businesses engaged in electronic commerce with consumers should provide accurate, clear and
easily accessible information about themselves sufficient to allow, at a minimum:
i) Identification of the business - including the legal name of the business and the name
under which the business trades; the principal geographic address for the business; email
address or other electronic means of contact, or telephone number; and, where
applicable, an address for registration purposes and any relevant government
registration or license numbers;
ii) Prompt, easy and effective consumer communication with the business;
iii) Appropriate and effective resolution of disputes;
iv) Service of legal process; and
v) Location of the business and its principals by law enforcement and regulatory officials
~~
C. INFORMATION ABOUT THE TRANSACTION
Businesses engaged in electronic commerce should provide sufficient information about the
terms, conditions and costs associated with a transaction to enable consumers to make an informed
decision about whether to enter into the transaction.
Such information should be clear, accurate, easily accessible, and provided in manner that gives
consumers an adequate opportunity for review before entering into the transaction.
Where more than one language is available to conduct a transaction, businesses should make
available in those same languages all information necessary for consumers to make an informed
decision about the transaction.
Businesses should provide consumers with a clear and full text of the relevant terms and
conditions of the transaction in a manner that makes it possible for consumers to access and
maintain an adequate record of such information.
Where applicable and appropriate given the transaction, such information should include the
following:
i) an itemisation of total costs collected and/or imposed by the business;
ii) notice of the existence of other routinely applicable costs to the consumer that are
not collected and/or imposed by the business;
iii) terms of delivery or performance;
iv) terms, conditions, and methods of payment;
v) restrictions, limitations or conditions of purchase, such as parental/guardian
approval requirements, geographic or time restrictions;
vi) instructions for proper use including safety and health care warnings;
vii) information relating to available after-sales service
viii) details of and conditions related to withdrawal, termination, return, exchange,
cancellation and/or refund policy information; and
ix) available warranties and guarantees.
All information that refers to costs should indicate the applicable currency.[/quote]
~~
http://www.oecd.org/dataoecd/18/13/34023235.pdf

~~Ask them:
DID CASH TODAY LIMITED DO ANY OF THIS FOR ME?

I did not recieve any information like this before I entered into any type of agreement. But I can tell you this, their website does not contain any of this information either.

save that email, it is a beautiful thing.. written threats as part of a collection attempt. Reply back to them as Polly said and also tell them that you have copied both their and your correspondence to you legal counsel

Thanks Polly for the great response. I guess they have tried calling me everyday with some wacko phone number that was 13 digits long but I never answered those calls. This is the first e-mail I got from these folks so I responded back to them with your response on this post.
JJ, how do I contact my legal counsel if it does ever get that far? I'm not sure what Attorney Generals/Legal Counselors/etc. do and how to contact them...:)
Thanks!

here is your AG

http://www.atg.wa.gov/contact.shtml

You should also contact your county prosecuting attorney, and your local legal aid office, to see if you qualify.

Here is some contact info for UK consumer lawyers:

TNW SOLICITORS
314 Regents Park Road
LONDON
N3 2TH

Phone Number: 020 8343 4646
Fax Number: 020 8343 3171
Email Address: info(at)selta.co.uk

MARTIN SHEPHERD & CO
753 High Road
LONDON
N12 8LG

Phone Number: 020 8446 4301
Fax Number: 020 8446 8398
Web Site: martinshepherd.co.uk
Email Address: finchley(at)martinshepherd.co.uk

BSG SOLICITORS
314 Regents Park Road
LONDON
N3 2JX

Phone Number: 020 8343 4411
Fax Number: 020 8343 2773
Web Site: bsgsolicitors.com
Email Address: info(at)bsgsolicitors.com

Great information Polly...How come you are not a moderator on this site? you seem to know almost everything that needs to be known about this payday loan stuff...
I will let you all know what they respond back with. I responded with your European law info Polly.
Thanks!

Thanks for your kind words quesik :D

Polly has been great help for the community members. quesik, have you listened to the telephonic interview of Polly? It is also a mine of information. It seems she has been doing lots of research on state laws for payday loans.

Polly you can request the site admin to make you a moderator. Also check the criteria before you apply.

quesik,see my pm to you

ok, you guys are seriously making a girl blush.. don't do that, it's embarassing.

I just have a knack for google, that is about it.