United Cash Loans - What are the complaints against them?

I for a loan from them a month ago and received the money and was told that if I paid the loan off I could get another loan when I applied for the second loan I was told I do not make enough money, I make the same amount of money as I did when I got the first loan. The Girl told me I should probably go to anuother company and apply for a loan. I don't think that is the way to run a business.

Yes this company UCL is out of control. I got my loan $300 and paid it off and still they continued to maintain the schedule of removing additional funds from my account. I asked my bank to stop payment against that company immediately. When my bank got the funds back two weeks later then some guy called me stating I never paid my loan backn that I just paid 5 paydays of $75 for the service fee and now I owe $435. Are they crazy? This can't be legal is it? I live in California.

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:Dchange your acct.number asap, im having that same problem now and my bank said to do so .

I took out a $400 loan and have paid them back several times over. I looked in my account today and they have took out another 125.00. I have since paid them back 600.00. I am calling my bank today to stop payment on anything coming to my account from them...do not use United Cash you will be paying over 100 percent back!

stop payments won't work.they will change the amount,co name,or put through a paper check.you need to close that account,and open a new one.make sure the new account isn't linked to the old one.your current account is not safe anymore.they will find a way to access it.see the manager to gt this done.

:(Its like a never ending debt , with these people . They act like they are doing you a
favor . You have paid for the debt 7 times over. There employees are nasty and rude.
I be glad when they no longer will be able to take advantage of the people looking for a
payday loan. With this recession who has money to overpay them.

Disappointed

I took out a loan from UCL for $400 last week. It was my full intention to fully repay the loan on the first due date. I never received any phone contact or email after I applied for the loan. Several days later the monies appeared in my account. Now that I have done some research on-line, I am very weary of this company. I called today to try to get them to take a full payment of the loan this Friday (first payment) and was told that I could no request a payoff over the phone. The operator told me that I would have to log in to thier website to select the payment terms. The operator offered to email me the username and password. Guess what>> no email was ever recieved. I checked my main email and my spam email both. When I try to navigate thier website there is an option for forgotten passwords. But they do not show my email account as being valid. That seems like a simple mistake, except that I had the operator confirm my email address during the telephone conversation.

The more I have read about this company, the more I am convinced that they have no intention of recieving a full payment. They want to charge the fees and make as much money as possible on the "loan".

As a result, I decided to be proactive on the banking front and I have closed my accounts prior to the first ACH. I have assurances from my bank that no ACHs or demand drafts will clear the closed account. So at least I am safe in that regard.

There are other problems that will arise that I am not sure how to deal with:

1. I have $400 of thiers. I am not going to call them in advance of Friday...that would allow them to try to do something to my old account prior to it fully closing. I want to give them back this money. I am smart enough to know that I cannot do any type of electronic transfer (they would get my information that way). In addition, I will not write them a check (same problem). So I need advice on how to engage them to return the funds. I have no problem paying them a fee or two...but how do get any assurance that they will close the loan at that point? Thier track record on this is miserable.

2. They have all of my personal information. SSN#, Driver's License #, phone number, email, personal contacts. I can easily block their calls on my cell phone. I cannot keep them from calling my relatives or my employer. I plan to tell all parties what has happend so they can expect the worst. I will even offer to pay to have my references' telephone numbers changed. That will not make up for the inconvienience, but I think being proactive will go a long way towards minimizing any damage. I will put a lock on my credit reports (they were not that great, but damage is damage).

Does anyone have any further advice? Remember, I am convinced that this company had no intention of making this a one-payment loan. I realize that my actions in advance of thier ACH put me in a difficult situation to argue from. Based on what I have now discovered about them, I do believe that I have taken the initial steps to protect myself from the damage that they have caused others.

Your thoughts?

Well, it sounds like you're TRYING to give the money back. I'm wondering, when you told them you wanted to pay off your loan, if they locked you out of your e-mail account with them on purpose? Having dealt with this company for some time I can guarantee you WILL hear from them. I'd offer to send them payment via a prepaid credit card or something like that and then it's up to them if they want to accept your terms. For your own information, I'd also keep a log of any e-mails or calls you make or receive.

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Their "business model" is to take advantage of people living paycheck to paycheck. They know their customers are the type who will worry about if they can afford gas or not until very their next pay check is close. Hence, they don't accept payments close to your due date. Could you imagine a legit bank engaging in this conversation:

"hi! I'd like to pay off my loan early"

"no... It's too close to your due date"

"oh so it's some sort of computer thing?"

"yes."

"so can you debit my account at before my next pay period is up so you can get your money and I can minimize interest?"

"no."

"well if your computer system is that rough, do you have an address where I can mail a check?"

"we dont accept checks"

"you loan hundreds out to people you've never met over the internet and draft pre-authorized e-checks but you dont accept checks?"

"yes"

"can I mail you a cashier's check.... or... cash?"

"we don't accept cash"

"but you're cashplanet.com!!"

"no, the earliest we can accept payment is on the date of your next paycheck"


GTFO... If i were you I'd keep the money and let the loss serve as a lesson to them

I received a loan from them for $300. Now how do I pay the stupid thing back!? I've receiving thousands of junk emails from them and people like them and I'm getting fed up. I want this done and over with. Also I'm receiving a phone call from 18667656669 from people by the name of USFC. They DON'T exist!! I'm never doing this again, and they are not pushing me around they're getting the 341 I agreed to pay and if anything else comes out then they'll be the ones going to jail. I am sick of being pushed around by places like them and my utility company who just grab into my bank account and take MY money! If they wanna play this game I'll play it better.

I'm going to my bank to block them out tomorrow. They did the same thing to me. You never okayed it over the phone or by email so legally they gave you free money. The same with a company that sends you stuff in the mail and expects you to pay for it. It's considered a "gift" unless you've okayed it. They're not getting anything back from me. I had the intention to pay but they're NOT going to screw me over.

is united cash loans licensed to do loans in michigan?

If you can avoid these companies, borrow from a friend or family. I am in a fight with United Cash loans now. They owe me $645.00 and insisits I owe them 400 more. Not the case. They will lie and act as if nothing is wrong. They accused me of sending them a "form" letter that was misleading because I revoke ACH transactions with them and I also stated regulation E. This stuff is legal. Oh well, when you are not legitimate, you live in your own world of confusion and lies.

i was wondering if mycash now is the same people cause someone called saying they were officer pupper i cant stand this copasany

do any one have a address for united cash loans

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I wish that I had looked into this company a little more. I borrowed 300.00 in September and every month up until now (Dec.) they have taken over 250.00 a month out of my account. I called to find out what the balance was,I could not believe it. THIS IS SAD & THEY WILL GET THERE.

:confused::confused::confused::(I did not authorize you to take money out of account and did not receive a loan from UCL.Someone called and said i couldn't get aloan because didn't have account long enough .So why are you taking money out of my account. I will turn you into better business burea if i don't get my money put back in my account i am serious .Iwant my money in my account by January 11, 2010 or i will take further action.:(:(:(:confused::confused::evil::shock:

Where do i find an address to send a cease and desist letter to

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Nelly, This is some FYI for you on UCL. They are on "tribal" land in Oklahoma and therefore say they do not have to be licensed etc because they are soverign. Here is the 411 on that....if you conduct business on tribal property you must have a contract to do so. The only thing I can think of that they are doing is they are a business OWNED by the tribe (it will either be Modoc or Miami, havent figured out which one yet) and that they are a consortium of lender/collectors. I am American Indian and I am ashamed of the stick it to the white man mentality of this tribe and business.
I hate the way they conduct business and if everyone that is being harrassed would actually call the chief of the tribe everytime they were harrassed I am pretty sure something might get done.
Remeber soviergn doesnt mean they can get away with everything.....they must adhere to federal regulations....I just wish and hope someone with power looks at this and decides it is time to shut this place down.

Been There, I am so glad you see the wrong in this. I dont think the true American Indian's think what they are doing is right. I think they want to live a happy healthy life and not become criminals to do so. This industry is putting a bad label on them. And only a select few deserve that. I am against this industry no matter what they claim. And I have done nothing but file complaints on a weekly basis. I do think if the true American Indians (not the bought ones) complained more would get done too.

im new to this site, i just found it, I have loans with both United cash loans , and USfast cash
i dont know how to get them to leave me alone, ive paid them both out in full after all the money they have taken out, they still want hundreds more from me.
who do i send letter too, what should they say.
does my state allow these things?
is there any way to get them to stop calling my work??
im so lost about all of this

You will need to file complaints with BBB, Attorney General office, Department of Corp. FTC, and www.ic3.gov. Then you need to send letters of revoke via mail & email. Close your bank account. If you dont they will put you in the neg. Also make sure your letter tells them to not call your work, or refernces. Keep notes when they do call. and Everytime they call file a report.

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ive borrowed from both USfastcash and United Cash Loan
they are internet companys
i borrowed 200 from each company
I live in california

at this point ive paid both company's about 400 each

ive closed my bank account and they no longer call my house, they call my work once a week, and the boss is not happy.

Yes most of us who are traditional try todo right and build our tribes with pride. not on the misery and helplessness of others, for most tribes it is against our internal "code". I hate that ths company has ties to the Modoc Tribe...thats where the adresses coinside I believe and if they are run by any of the consortium of the tribes they should get out of the business.....it is bad medicin to make your brother white or otherwise) suffer by your hands or actions. SHAME on them if they are still into this. Same goes for the one working out of New Mexico my Pueblo brothers and sister you are talented enough to get jobs that are worthy of your heritage.

I actually have a question though because a friend of mine is having this dilema....in the state of Oklahoma on an intrnet loan (thats what he had) what is the statute of liitations? I am thinking 3 years becuse he didn't sign a promisorry note but i cant find any information.

United cash loan will not accept a payment from me when I offer to mail it to them. So I'm think that I will send them a payment to the corporate office.

I got a loan with them and ask them to take the full amount out next month to get it paid off. It has been 4 months and I am paying $60 every month on a $200 loan. They DO NOT LISTEN TO YOU. THEY ARE SCAMMERS AND THIEVES. DO NOT DO BUSINESS WITH [EMAIL="THEM@@@@@@@@@@@@@@@@@@or"]THEM@@@@@@@@@@@@@@@@@@or[/EMAIL] you will pay out the azz.

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I received a call from a company call the Department of Law and Investigations in Pennslyvania, I talked to two persons who told me that criminal charges has been brought againest me for a loan that I had gotten, the loan was only for 100.00, but the interest is 3.000, but if I payed that day I only had to pay 386.00, and the matter would be solved, also that the persons I had put down for references was under investigations. Today they even called my job. What should I do, I am thinking that this is a scam.

Ok, can you provide some information. what company was the origianl PDL with, How much did you pay back? What state are you in? Was it internet or Storefront? Now that being said They are lying about your references being under investigation, no one can be charged for something else someone did or we all would be in jail. Dont pay anyone anything until you figure out if you even owe money. There is great resources here so others will be here to help. SO please answer the questions above so we can help you out better,

i filled out an online payday loan application then started recieving multiple emails and phone calls from many different names i never agreed to take any cash and so did NOT complete or agree to recieve any cash as rethinking i decided i didnt want it and would be better off without the 200 dollars. i woke up today with a deposit in my bank of 200 dollars which i never authorized and dont know what to do after reading all the negetive complaints about this company.. help please and oh yes on the bank statement the deposit is from united cash loans

have your bank return it as you never authorized it.they can do that as easily as when they reverse debits as unauthorized.

I wish I had seen this forum before I applied for a payday loan today. I originally applied on the MoneyMutual.com site and was redirected to the unitedcashloans.com site. It stated I was pre-approved for a $150.00 loan. The money should be deposited tomorrow. I haven't even gotten the money and already dreading what's to come.

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how do i stop UNITED CASH LOANS from taking my money? I borrowed $500 and maybe a week later i paid them full price back. so how do i stop them from taking my money? AND ITS BEEN LIKE A OVER A YEAR.

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Please, please please, listen to Shazzers; the only way you can stop these people from bleeding your account is to CLOSE your account. And after you close it, don't apply for other PDL's, as these companies apparently share information with each other.

Never ever apply again, the best advise here.

I would think a class action suit against them would be in order. I'm getting robo-calls from them 3-4 times a day every day. I don't owe them anything so I ignore the calls.

Just following up on my first post. Due day came and unitedcashloans took out of my account the amount they agreed to and I had no problems with them so far. My loan is paid off. 4 days before my loan was due I email them AND faxed them stating I wished to payoff the full balance of my loan. I also called to confirm all of this. I even went to their website and selected the option to payoff the full balance on due day. They required a 3 day notice but I did it a day early. All of this was stated in the loan agreement and I followed every step in that process. I'm happy to say I had no problems SO FAR. Even though I waited till I received and paid the loan I am taking your advice and closing my bank account down. Unitedcashloans has too many complains against it to trust with my bank info. I just wished they didn't have my ss# and other private info. People also need to be warned about MoneyMutual.com. That's how I got mixed up with Unitedcashloans. I thought MoneyMutual.com issued the loan but what they do is take all of your personal info and give it to companies like Unitedcashloans. Thanks for your advice.
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david19107 I am truly glad it all worked out in your favor. I'm very disappointed that Montel Williams is involved in advertising these scam payday loan companies, I wish everyone would send complaints to him about his endorsements for payday loans. I've been trying to find some type of contact info but so far I've been unable to, if anyone else has an email address or some type of contact info for him please let me know!

DO NOT WASTE YOUR TIME WITH THE BBB!

Go DIRECTLY to your state's Attorney General's office and tell them that this ILLEGAL LENDER is operating out of an Indian Tribe (Miami Indians) reservation. Tell your bank to stop payment to United Cash Loans IMMEDIATELY and file fraud charges against them now.

United Cash Loans has NO legal rights to enforce its contracts because it issued the contracts ILLEGALLY without any regulatory licensure allowing them to do so.

If enough of us go after them, perhaps the Feds will get them for wire fraud.

I also take loan from this people and after a fews weeks I lose my job but I still pay then their $390 because I bororrow $250 take the loan from then that was in october of 2009
2010 now someone call my phone saying that they are officer I ask him officer from where he refused to tell me where state in was calling from. but the most crazy part in my case is this person that claiming that he is a officer is keep calling my phone day and night treating me that he will send officers to my door to arrest me and send me to jail.andd I told him that I was waiting for is officers to arest me.this guy that told me that he is a officer told me to shut the fuck up because he was from the department law and I told him that even if you was from the department of law you do not call someone house at 6pm to tell the to shut the fuck up because am not staying with you neither you paying any of my bills this guy was so so rude to me that he hang up the phone in my ear and after that he was calling my house treating me to arest me.he want me to pay then extra money $500.00 and he also want me to write a letter with the copy of my credit card and notary it waving all my rights and he told me to write my letter saying that I was not going to dispute this transaction that worry me after he told me to write all of that.

this people that I talking about they can't even speak English well they all guys from diffrent country or state.as I write this they are still calling my house and treating me that they going to arest me.united cash loan/usfastcash never send me any agreement in the mail neither they I sign their agreement from.so I read don't know what to do in this matter I aready closed my account so they can not go in any more but this people came from no where treating about jail.what should I do please I need help in this matter asap


Help me please

Hi anonymous,

They can never send you to jail for if you fail to repay a debt. So, you do not have to worry about their threats. How long have you been making payments of $390 to them? I believe you've paid them enough and you shouldn't pay them anymore. Is this payday loan company licensed to do business in your state? If they are not legitimate, you are supposed to pay off only the principal and no interest at all.

It's good that you've closed your account. They will not be able to rob you off your money anymore. If they harass you over phone, go ahead and record the conversation if it is allowed in your state. If recording is not allowed, inform the person on the other side of the phone that you are recording the conversation. This will act as an evidence when you file a complaint against this company for harassing you.

I have a problem united cash loans they feep calling me and calling me i lost my job and i dont have they money to pay they back. Now he telling me that i have to pay him 832.70 for a 150.00 loan i got but i dont have it so now he says i have a law siut and i have to go to court and i will go to jail i still have the embarrasing message on my phone what do i do about it. He said i had to fax him a piece of paper or i will go to jail and i have never been to jail and i dont have any friends that knows about legal matters. Help me out please.

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