How does United Cash Loans respond to a BBB complaint?

Call the company. You should ask for an itemized statement with all the previous payments on it. It is necessary for you to know how they are calculating your account and showing an outstanding balance, even after paying $560 on a $250 loan. You may need your state laws in this regard.

Gee, isn't that a crock of bs?? Are they going to get away with this??

I also filed against them and received a similar response but mine included them calling me a fraud. So now we keep going back and forth with responses through the BBB because I keep rejecting their responses. Please also file a complaint with them with the Oklahoma Dept of Consumer Credit.

here is what their "agreement" said
ANNUAL PERCENTAGE RATEThe cost of your credit as a yearly rate. (e) 644.12 %
FINANCE CHARGE The dollar amount the credit will cost you $75.00 Amount Financed The amount of credit provided to you or on your behalf. $250.00
Total of Payments The amount you will have paid after you have made the scheduled payment. $325.00

9-12-06 250.00 deposit
9-29-06 75.00 debit
10-13-06 75.00 debit
10-27-06 75.00 debit
11-09-06 75.00 debit
11-14-06 30.00 debit
11-24-06 75.00 debit
11-24-06 50.00 debit
12-08-06 50.00 debit
12-08-06 60.00 debit

i have paid them a total of 565.00

Tell them to bite you. If you have paid that much dont give them another dime. Are they licensed in your state? Probably not. Reject it and demand they pay you. Kyside38

i told them I did not accept agreement filed rebuttal and filed complaint again with Oklahoma dept of consumer credit

HERE IS WHAT THE BBB SENT ME FROM UNITED CASH LOANS..SO WHAT NEXT???

v_padgett, have you filed with your state AG? I did and finally heard something yesterday from the Commission of Financial Regulation (Maryland). She told me that as long as I have paid the principle that I do not need to give them anything else because they are illegally lending in MD. She told me that she has previously sent this company a letter to cease and desist there actions. They are also keeping a list of all the complaints for this company and that if they keep demanding money to have them call her directly. She also stated that if they keep demanding to report them to the FTC @ 877-382-4357. PM me if you need more info. Good luck!

my AG has not responded and its been at least one month..great to live in the state of illinois

Tenn. attorney general office responded that they did not handled civil matters. They offered no help whatsoever to my complaint and to overpayments made to IPDLs. I am very disapponted with this response. I thought they were serious about bringing this type business down, but evidently not. I did file complaints online with Consumer relations department of state. But I have had no response from them either.

I had the same reply from TN AG office also BUT I had a great response from the BBB in regards to UCL. The documents and responses will be posted on my blog site later this evening. I am so happy, UCL can bite the big one!

Ashley2006 I would love to see your response through the BBB because I really wasn't getting anywhere with them.

Guest, try doing a follow-up call/email to check the status.

Atm/guest- That is unfortunate and rather wierd. Maybe someone on here from TN can be of furter assitance. Hopefully the consumer relations dept in TN will offer some assistance. Are PDLs illegal in TN?

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

it looks to me like you may have complained to the wrong parties. Have you tried the info listed above? Sounds like maybe the Attorney General in TN is not responsible for payday lender regulation, but the Department of Financial Institutions is. I would take that route next, and include all the documentation that you have.

No, I received letter from DOF and they also said I would have to pursue in civil court.
Thanks for everyone's help!

Oh that is ridiculous which is why I wish that they would cut these guys out all together. But I wouldn't stop hounding them until you get your account paid in full. So what if you applied for the loan and participated in their repayment program. If they would stop that repayment program where you would only pay interest or if pay down with the interest. They were eating away at your finances.

You cannot allow them to do this to you. But I am glad that you wrote your post because even though I have them in debt consolidation, I need to know what I am left owing on my account.

Heck with the BBB anyway, they really can't DO anything.

United is a pain to deal with. Keep on them, and you will win.

Jessi the BBB came through for me when the NV and TN AG office did nothing, maybe it's in whose INBOX your complaint lands, I don't know

I think it is good to at least to have the complaint on file with the BBB. They really can't do much because they are only a mediator so to speak. If your state has a divsion of financial institutions that is the place to go next or the consumer protection office.

Ashley I dont know how TN is but the WV Attorney Generals office is great. They want the complaints. They are getting back thousands of dollars in refunds for consumers. I stand behind the AG. Kyside38

I don't know if anyone saw this as it was on my blog site. The BBB of Nevada was a tremendous help as they got my account closed with UCL. Like I said before it probably matters whose inbox your complaint lands in. Luck of the draw

I know my AG's office was of GREAT help to me. They acted by the next morning on my ipdl complaints and had helped me settle 2 as PIF before the days end. They also forwarded my complaints on to the Division of Financial Institutions who over see this industry and regulate them.

I know Polly is a firm believer in reporting to the AG here in Michigan.

Wow..If it wasn't for Polly, so many of us would still be in PDL hell. No one has ever written a better refund letter..She knows her stuff.

I personally don't know who Polly is but someone else on this message site helped me get refunds and accounts closed with special letters created just for me and my companies that loaned me money so somebody else knows there stuff here two who is polly anyhow does she own this website.

And I know a few people who have gotten into trouble with some letters written especially for them. I know because I had spent almost the entire night assisting one of those people out of the trouble they got them into.

Nope, she doesn't own this website. She's a member.

I would have to say that the two members on this site who I would definately say know the laws and their stuff are Polly and Kyside. The work they have done is outstanding.

by the way guest..more than likely someone re-formatted Polly's letter for you. We always send people who need help here to Polly's blog..She's got the best info around, and knows PDL laws in all states better than anyone. She is brilliant.

Steelers, you are absolutely right..Kyside also is right on top of things. And you're no slouch either!!

You are right Fins. I read this person's letter, and it looked reformatted but it also read like an extortion letter which that is the part which was getting this person into potential legal trouble.

you stayed up all night helping to clean up someone elses mess, man I hope they paid you well. Do you like have all the time in the world to do this stuff or do you like have no life stealers.

You caught me, I have no life. Oh woe is me.

I have pretty tough skin, not much anybody can say that will phase me, so if you want to waste your time. Go for it.

I also received no results from Tn AG. I was told it was a civil matter and they did not help with individuals trying to recover a refund. The lady I spoke to really wasn't concerned with these companies operating illegally. The letter I received from Department of Finance also said it was a civil matter that I would have to pursue on my own. I have filed with Consumer division the complaints with each company. I did this online, but have had no response from them. I felt very disappointed in these results. I have read such positive comments from others about their dealings with their state AG, that I had hope.
Will wait for response from Consumer complaints and see what happens.

wow Steelers..Someone, for some reason, seems upset that you're helping people with letters. What's up with that?

sounds like someone has a grudge? I wouldn't worry about it, and I know Steelers isn't worried - she gives excellent advice and never steers anyone wrong - and so what if she "stayed up all night cleaning up someone else's mess" - we've all been there and have come to this site seeking help, and others have helped us. The least we can do when we receive that help is to stick around and help others.

I really don't mind when somebody slams me. It actually adds "fuel to my fire" and I love it. I'm always up for a challenge, and trust me what I did the other night, cleaning up a mess, was a challenge. Anybody with a conscience would not have let this person just hang there when they were put in that mess by getting bad advice.

ATM,

Have you filed complaints in the states where the lenders are located?

Steelers--

Were you able to get that person out of the mess that someone else had created?

Mishele
No, I have not filed complaints in states where lenders are located. They are in NV, New York,
Nebraska, and South Dakota. Should I file in those states? With AG or BBB or which division? Thanks so much for your help

There are ipdls in NY? That is strange, because I thought they were prohibited there. I will double check that. You should file complaints with your AG and the state in which the ipdl is located AG.

v_padgett,

Are you or the loan company located in oklahoma. The reason i ask is if its a storefront, licensed in oklahoma they grossly violated oklahoma state law by both their apr and fees and will be much easier for oklahoma department of consumer credit and AG to get them. Also i believe that your DA can might can get involved. Also, you can go to www.oscn.net to read the state laws. Thanks to people on this site i have become rather familiar with Oklahoma Statutes and in particular Title 59(which governs payday loans in oklahoma) If i can help in anyway let me know

They are prohibited in NY. I remember my AGs office telling me they are looking into state's where they are prohibited and working on doing the same here. And I remember him mention NY as being a state where they are prohibited.

http://www.paydayloaninfo.org/state_detail.cfm?id=NY

Good advice from ssgnewton and Steelers - great job! :D

as well they can face a $1000 per incident fine in the state of oklahoma..i advised a company that screwed my troop over of that and its amazing, then they wanted to deal with him a little more..working on leveraging that and pointing out that the fines would exceed what he owes and any punitive damages that he got if he pursued them in court. That financially they would be better off to give him a PIF letter. A company licensed here would be much easier to pursue..and Suebeehoney70, Steelers, and finsfans are DIRECTLY RESPONSIBLE for the hell that the pdl, and IPDL companies are getting from me! :)

Route 66 is the one I have an address of Albany, New York. Thanks for info. Since I have filed with my AG, I will file with other states. 3 of my 5 have marked PIF, but I overpaid considerably(over $1300).
They said they would not give a refund. I would like a refund. Last 2, Route 66 and USFAST Cash still say I owe amount even though I have overpaid. But since Dec. 6th, I have heard nothing from them. My old account is closed and they cannot debit any more from me. Thanks for all help!

Route 66 claims to operate out of the UK. So I don't know if that is how they try to skirt the laws.

for the ones in the US i am sure someone here has a letter on here that can help. i would file complaints with your state and the ftc. i would keep bombarding them requesting your refund.

at_mrtn -

We're glad you were able to obtain help and advice here! Congrats on the ones you were able to get marked paid in full! :D

Rt. 66 is difficult to work with, but if they stop contacting you and are not debiting your account (since you closed it), count yourself lucky. Their normal practice is to hound you until you pay. If they are not contacting you, and you have overpaid them, chances are good that they will not contact you any further. Have you sent them a letter demanding to be marked paid in full?

suebeehoney70 you rock... :)

thanks, ssg! :-)