One Step Cash
Good for you, Heather! It can be hard to say no, but you did it
Good for you, Heather! It can be hard to say no, but you did it. That is one of the biggest steps, breaking the cycle!
~Mary :)
I read all the information about sites warning against payday lo
I read all the information about sites warning against payday loans but still went ahead and took out the loans. You never know how bad the loans are until you take them out. hopefully more people stuble across this site before deciding to take out payday loans.
Well, even if you read the warnings sometimes, you are in such a
Well, even if you read the warnings sometimes, you are in such a desperate money situation that you have no other choice. Your brain doesn't work right in that situation!!
~Mary
yea and sometimes its embarassing asking friends or family for m
yea and sometimes its embarassing asking friends or family for money. but now i know to go through that then dealing with the payday companies
Yep, most times relatives are a much better way to go. At least
Yep, most times relatives are a much better way to go. At least they can be understanding of your situation. ANd hopefully not charge you so much interest ;)
~Mary
My email is being cluttered with payday advance offers! I have
My email is being cluttered with payday advance offers! I have absolutely NO problem deleting those!!! LOL
Good job! It can be hard for some, but now that you have the kn
Good job! It can be hard for some, but now that you have the knowledge, it's pretty easy! :)
~Mary
I just send the emails from the payday people to the junk folder
I just send the emails from the payday people to the junk folder and delete them once a week.
Heather, They left me a voice mail yesterday, since I was suc
Heather,
They left me a voice mail yesterday, since I was such a good customer, blah blah blah. That voice mail got deleted rather quickly :-)
Submitted by Cow & Chicken on Tue, 04/04/2006 - 15:33
No I don't. I might be able to retrieve their phone number from
No I don't. I might be able to retrieve their phone number from my cell phone though. Let me see what I can find for you
Submitted by Cow & Chicken on Tue, 04/04/2006 - 15:51
I think Avenger is going to try for us to find out...when I went
I think Avenger is going to try for us to find out...when I went to onestepcash.com it no longer existed.
Did this company turn into one click cash?
Submitted by Cow & Chicken on Tue, 04/04/2006 - 16:12
i don't know...maybe?? When they email me, it's from "Info@centr
i don't know...maybe?? When they email me, it's from "Info@centrinex.com"
866-431-2274 is the phone number I have
Submitted by Cow & Chicken on Tue, 04/04/2006 - 17:35
yeah me too...i found it, but I still need the address to give t
yeah me too...i found it, but I still need the address to give to T&C...or would they just accept a phone number for now??
They might be able to call them to get their address.
Submitted by Cow & Chicken on Wed, 04/05/2006 - 15:38
Hello
Hello,
I have an account with OneStepCash as well. I borrowed $300 from them and have already paid $390 to them. They keep e-mailing/calling me saying I have a debt of $90 that will go to collections if I don't pay promptly. I don't understand, because on my payday, they took $300 AND $90 so I thought I was done with...I didn't even authorize fof them to take out the 'principle' amount but they did so I was like 'oh well'. But now they are saying I missed a payment of a finance charge of $90 so I owe that...What the heck...What should I do? Does anyone know the address to these clowns?
Thanks!
sounds like fraud and you should contact them by phone first and
sounds like fraud and you should contact them by phone first and ask why they have debited your account even though you have already paid. Maybe you missed a payment date once so they are trying to collect on a past payment that you missed or was returned to them? I have had it happen where I was so overdrawn in my checking account so a payment was returned and I didn't realize it until the next pay period when their fee was debited twice. I called the company and they said the last payment didn't go through, so they debited it twice the following paydate. I am so glad I'm getting out of debt with these people soon!!
Yes
Hello Seeing,
Yes, I do remember they tried to debit my account and there was none at the time because I got paid the day after they tried to debit the account. Do State laws regarding payday loans play into this factor? cuz I know in Washington State, the fee is only allowed to be 15% in finance fees up to $500 and they already charged me a $90 finance charge. I sent them an e-mail but to my surprise, no e-mail response back.
ONE STEP CASH
Same thing here. I actually called the 800 number listed for the company and spoke with a girl named wendy. She told me that I didn't even have an account and that I was declined for a loan when I applied. I was really confused. Then, I received an email from a guy by the name of Matt. I called and left a message on his voicemail today. I'll see if he calls me back tomorrow. If anyone else needs to contact them, try Matt at 800-689-6140. I'll keep ya'll posted!!
They are actually pretty nice to work with. I called and told t
They are actually pretty nice to work with. I called and told them that I wanted to make payment arrangements to pay off my loan. They were very nice agreed to let me pay off my $300 loan + the $90 finance charge at $50 bi-weekly. I have paid $100 so far and will be paid in full by June. The guy I talked to was Chase...he was very helpful. I did not default, but called them to make this arrangement last month.
anyone know this number?
yeah, I finally got word from OneStep Cash that they WILL accept the proposal from T&C!!
Also, does anyone know this number??
563-379-7915
This is the e-mail that I received from One Step Cash: Quote:
This is the e-mail that I received from One Step Cash:
Quote:
Your original loan was for 300.00 loan fee is 90.00, you paid 90.00 on 12/9/05, which didn????????t go towards you loan, so you go a 25.00 late fee on 12/21/05, so of course you are suppose to refinance 4 times before paying down on the 5th time, so again we tried to debit a refinance charge of 90.00 on 01/6/06 that came back to my office as an NSF, so when that happen we added that on to the 390.00 which makes 480.00, the reason why you got a late fee of 25.00 on 12/21/05 is because you deferred you payment until 01/6/06, when we was suppose to debit the 90.00 on that day, so if you add 480.00 plus 25.00, bal is 505.00, ok then I spoke with you on 01/3/06 you wanted to refinance for 90.00, but it came back as an NSF, I never added anymore fees to this acct, then again you called in on 01/18/06 and set up 4 payments of 126.25 starting on 01/20/06 then biweekly on paydays, you never did it, you called again on 01/23/06 and set up 4 credit card payments of 126.25 starting on 01/23/06 then biweekly, I ran one through on 01/23/06 and it cleared, which brought your bal to 378.75, then biweekly from that date I ran another one for 126.25 on 02/6/06 and I cleared which brought your bal to 252.50, then the 20th on Feb we never go anything which kept your bal the same, then we started to email each other back and forth , we came to the agreement that you will do 4 credit card payments of 63.12 on 03/17/06 then biweekly on paydays, we ran that on 03/17 for 63.12 and it cleared which brought you bal to 189.38, then I talked to you on 03/31/06, you made arrangements for you to do 3 money gram payments 2 for 63.12 and 1 for 63.14, we never received anything, I talked to you on 04/14, you called in and said that you will money gram the payments we had set up before starting on 04/28 then biweekly on paydays. I gave you a reminder call this morning and again you are saying that you don????????t know if you are able to do it again, normally when this is a on going thing for customers, we just charger the acct off and send it to a 3rd party collections agency and let them handle it, but I have been trying to work with you here, as you can see this acct is way over 30 days past due, fees was suppose to be added and nothing is still changing, and really I wasn????????t suppose to even set up payments as low as 63.12, but I was trying to help. Are you going to pay this acct off or not, if not then I will just send this to a 3rd party collections agency and let them handle this instead of me, because I don????????t want to keep calling and reminding you and you never follow through with this. So let me know, and there is how we got to the bal we go to???????.. |
Their website is personalcashadvance.com.
Is there any advice for me? Does anyone know if this is legal in SC?
Hi kbraveboy You agree that you have a loan with One Step Cas
Hi kbraveboy
You agree that you have a loan with One Step Cash. You have committed them your payments on the specified date and have paid it to certain extent. Doing this, the company didn't charge additional fees even after the account got past due. It seems from the mail that the company was working with you.
You need to pay the balance owed for not letting them send the account to the collection agency. It seems that they are giving you the final call this time. Knowing the fact that the collection agencies are the toughest ones to deal with besides being a negative mark in the file, I will suggest you to pay the full balance. You have a debt with them and they have offered you some extensions. Don't avoid the facilities offered by them. It's a suggestion from my side if it sounds well to you.
OneStepCash
I got a $300 loan and I have just paid off my balance. So, far I have not encountered any problems. I just tried to logon to OneStepCash.com, but could not find the website. Does anyone have updates as to why the websit does not come up? Please advise.
If you still need it, I have the number to them. The phone numbe
If you still need it, I have the number to them. The phone number is 877-430-3992 and the mailing address is Panamerican Advance Ltd. PO BOX 2545-4050, ALAJUELA, COSTA RICA, (NO ZIP CODE)
Run don't walk away from a payday loan. I am so glad that I am h
Run don't walk away from a payday loan. I am so glad that I am here too and now I know where to find help.
onestepcash.com
We borrowed $300 in August 2006. The way I read the agreement (after the fact), the first three payments are for the $90 fee. After that, we would continue to be charged the $90 fee, plus the principal will be reduced by $50 each pay period. Needless to say, it will take six months to pay that amount, plus $1080 in finance charges - no thanks! Here's the phone number I have for "customer service" - (866) 431-2274.
ripoff artists
I just got ripped off by these guys too. we took out 300 and paid back four payments of 90 then they told us we still owed 390 and charged that. It cost me 690 all untold. I am contacting the federal trade commision. They are required by the truth in lending act to let this be know up front and their are state limites on interest. That is over 600% interest yearly. We missed no payments it was auto withdrawl. Redic
filed complaint with FTC
I went ahead and filed a complaint with the FTC on these guys and am going on to the BBC and Credit Bureau next. I suggest that anyone who has dealt with these crooks do the same http://www.ftc.gov/ and get the word out... BEWARE - Loansharks!
HMM, wonder what their repeat biz is like? :x :x
Just wanted to point out that not every payday loan is like this
Just wanted to point out that not every payday loan is like this. I have done them with several co's before and paid no where near the feas I paid with OneStepCash. Usually around 25%. This company won't last long.
address for onestepcash
I am happy to tell you that I have the correct LEGITIMATE address for onestepcash. It is.....
One Step Cash/North American Financial
150 South Highway, Ste C8-526
Pahrump, WV 89048
The North American Financial comes in because onestep called my house one day to remind me of a payment and the representative said she was from North American Financial but the number came up as onestep. My lawyer in Ch 13 got this address, so I know it is legit in order to file CH 13
how to deal once in for all
so does anyone have any suggestions on how to deal with these people once in for all? is the best way to get rid of these people is to pay the 390 up front - all at once? or is there some reasonable way to pay them off without ripped off?
I don't know what is going on with their website! I am going to
I don't know what is going on with their website! I am going to call them in the morning to see if I can get some current information. I have a loan with them as well, that's due next Friday. I hope everything goes smoothly!!
One Step Cash
I too have my email inbox full of pdl offers, some of them from the same company I have revoked their ach and received refunds! I have learned my lesson, and I also send them to the junk folder and delete tjem automatically every 5 days.
Its now called personalcashadvance.com I used them too like 3w
Its now called personalcashadvance.com
I used them too like 3wks ago, just tried to log on and it had a directory or something. When I called the number from my paperwork the guy said he had never heard of onestepcash and that they had always beeen personalcashadvance. I read to him my paperwork and told him the customer service email also had onestepcash at the end. He didnt know what to say, had never heard of it. Go figure.
Oh, I didnt see all the comments before. When I borrowed from th
Oh, I didnt see all the comments before. When I borrowed from them I paid them back the whole thing at one time so I didnt have any problems. I was shocked to learn that I had to call them and TELL them I wanted to pay the whole amount, otherwise, they were going to just take out $90 which gives you the extension on the regular amount. I told him I didnt need an extension, just take the whole thing. They actually have it in the information they send to you, which I cant believe I took the time to read. Thats what made me call them before it was due and actually request them to take the full amount. I guess because I paid it at once I didnt have any problems. But after the rep told me he had never heard of onestepcash and then reading you guys post, I think Ill go to one of my other guys for some quick cash. Thanks!
One Step Cash actually the only ipdl company that has responded
One Step Cash actually the only ipdl company that has responded to my AG complaint and immediately marked my account PIF without so much as a fight since I had overpaid them. They did tell me and the AG they would be sending me out a refund but I have never seen it. It was only $15 so I don't really care. I have my PIF letter and that is all that really matters to me. All my emails from them came from addresses at centrinex.com
Onestepcash infor
I checked and their collections are handled through a company called centrix. Centrix is not onestepcash. They are simply contracted to do collections for onestep cash. Because of this, their agents are bound by the Fair Debt Collections Protection Act or fdcpa. One of their agents attempted to get real nasty with me over email, and once I pointed out to her what the law was and that I know what my rights were, her attitude quickly changed. I also had to let her know that her conduct towards me could cause onestepcash to lose any claim to money that I may owe them.
Onestepcash
Is anyone has any information about this company please let me know. I believe that I have paid this loan off and It keeps coming out of my bank account. Before I make a big stink at my bank about it I want to make sure I am correct in thinking its paid off.
you would do yourself a favor to take all that money back within
you would do yourself a favor to take all that money back within 3 days that you got that loan, and pay it in full today. trust me, do it.
Pay attention to what Luke is telling you. You don't want it, i
Pay attention to what Luke is telling you. You don't want it, it will just cause you more heartaches in the end and money.
ladybug