United Cash Loans - What are the complaints against them?

Try to pay them off call a week early if you have to and then run. I would also close that bank account. I dont trust this company they just keep on taking. What state are you in? KYSIDE38

Please let us know what state you are in. Renewals are illegal in many states! This company will suck you dry. Go to the bank and close your account-but before you close it find out their policy on ACH debits coming through on closed accounts. Some banks allow them to go through and this reopens the account and then you are stuck with NSF fees and that could create a whole new problem. If the bank says they do allow this, ask them to put a hard hold on it so no debits can come through, and then close it and open an account at a NEW bank. This will get UCL out of your wallet and put you back in charge of your money.

Also if you want to check the laws in your state you can go to www(dot)paydayloaninfo(dot)org and look it up. Best Wishes KYSIDE38

Back in June my husband and I filled out a request ofr a PDL online. He received a call the following day from United Cash Loans requesting further information and a number to contact his employer. A few days later the $300 was deposted into our checking. We have never received anything in writing from this company and we never formally accepted this PDL. They took $90 once a month and then started taking $90 every two weeks. My husband called them and they stated that they do not have a record of them sending us an email or confirmation for the loan but we still have to pay it. I'm not sure what to do with this because we never agreed to the terms of the loan. We are in the state of Ohio and by Ohio law PDL's can not be renewed. Does anyone have any advise??

How much have you paid them back so far? Could be that you really have already paid them in full. If they are renewing your loan, then they are breaking the law. Let us know how much you have paid them and it might turn out that you technically have already paid them in full, including interest.

They took 3 $90 pymnts thus far. So it is a total of 270.00

United Cash Loan
3531 P Street NW
Miami, OK 743555
Phone 1-800-354-0602
Fax 1-800-803-8794 or 1-800-803-9137

I got a $300 loan from United Cash in MAY of 2007 and they are still debiting me. I tried to tell them, after the 3rd renewal, that they'd taken enough money from me to re-pay my debt and should call it good.

To date I've paid these people almost $900 for a $300 loan!!!!!!! They are set to take $110 from me on the 14th of this month and I just can't afford it anymore!

I'm in the state of Colorado where more than 1 renewal is ILLEGAL, and also in the Army so thought they could only take so much from me before I could get them in trouble?

HELP ME!!!!

Oooops added up my Debits from United Cash Loans and I've paid them (to date) $625 for a $300 loan. My bad, Math's not a strong suit, sorry :oops:

I did just call my Bank and put a stop payment on this weeks $110 Debit....how nasty are they gonna get now?!?!

:twisted: [color=Red]They are RUDE as hell!!!![/color]

I called them to explain that I've paid $625 for a $300 loan and that I stopped payment on this weeks Debit because legally they couldn't renew a loan 7 times, like they have.

She (can't remember her name) said: "I am NOT one of your kids so do not talk to me like that! You will listen to ME, I am trying to talk, so listen!"

:shock: I was like "Lady I am NOT speaking with you any longer, I have a consult appt. with JAG this Thursday and you can take it up with the Army!"

She tried to tell me that the laws where they are (Oklahoma, which is where we lived when we applied for the loan) governs what they can and can't Debit from us.

Now I thought laws regarding our loan were based on where we lived not where the Loan Co. was?!?!

UGH this is making me nervous. JAG says they have to see the paperwork from our Loan App. to see if they can even help us. :?

they put money in my account without auth while i was out on a trip. i never told them to put money in my account. should i give them the money back? they are trying to take money from me. i never signed anything! i wondre can someone create a class action law suit against them?

This company also does business as USFastCash

I was in hospital and my fiance I guess needed money and usede these people when I got home this morning. (Think he was trying to get food before I got home) I hadn't been "Given" The money yet... but I called the number they sent in the email. Told them i don't want the loan to close it. Said they would. It's a bunch of idiot women in that office...

[if you dunb people would read your contracts you would not have a problem you all sould dumb i work there dumb ass people read your stuff and would not talk to you like the way we do get it together :D

Ummm, you can call us dumb when you can spell dumb right, ok?

But seriously, feel free to post comments but the foul language and derogatory comments are inappropriate.

thanks!

well dumb ha ha ha ha ha i guess you dumb with an m

Volley, You forgot to mention the grammatical errors.

Gee haters, I guess so!

When you have something to contribute, please let us know.

You should look into punctuation too!

Okay, if this is actually a "real" employee of this wonderful company, they want us to take them seriously? With this type of person working there? Oh my, how so very professional and "up front". Please........... And we wonder why we get retarded emails from them. Check it out! And for us to "get it together"? Ummm... go back to school, friend.

i got e-mail for my loan but i can't pull itt up

nicole, you probably received an email from a pdl. We are not a pdl company. We are a debt consolidation forum and we try to help people out of getting pdls. If you need any information, you may feel free to post. However, this is not a site where you would receive a pdl.

customer sevice numbers are
800-756-3117
800-279-8511
800 410-9275

i was too notified saying that they would be deducting 250 bucks out of my account. what do i do?

We've been looking online and you can always get a quick loan with cashloancity.com

What??? roy, why in the world would we want to get a quick loan with this company? We're trying to get out from under quick loans via the internet, not get another one!

All of us are here to get rid of the term called DEBT from our lives

Nelly

I borrowed $250 and they have taken well over $600 and instead of every two weeks as I had originally requested, they 've been deducting differnt amounts every week causing all of my checks to bounce. Two weeks of my pay checks have gone on them and on bounce check fees. What I found out was to close your bank account and open a new one. they cannot touch you and since they are not legit they cannot take you to collections.

Good Luck

The best thing you can do is close that account and open a new one. That is the only way to stop them from getting your money.

i took out a $300.00 loan with united cash loans in june and the amount to be paid back over time was $390.00 . which are debits from my account of $90.00 a month. it is now november and they are still debiting money out of my account every month and the loan is paid back. i also did the same thing with 500 fast cash loans because i was having hard times and the loan was set up the same way and they are doing the same thing. this loan was also taken out in june and it is now november.this loan is also paid in full. what can i do to get my money back or stop them from debiting my account when these loans have been already paid in full. i am a 82 year old woman on a fixed social security account.

addie, both United Cash Loans and 500 Fast Cash are unlicensed/illegal lenders. They are d/b/a's of MTE Financial. Your best bet, and I know it stinks, it to close your bank account. These guys are horrible. They will continue to debit your account forever. You will also need to file complaints against them. File with the BBB, the FTC, and the state AG. You have more than likely overpaid both of these pdls; however, they're hard as you-know-what to get a refund from.

A person from United Cash Loans left a meesage on my answering machine that I need to call them back and provide a landline number so they can process my loan.

1. I never applied for a loan and have never heard of them.
2. They left the message on my land line?????
3. I'm nervous that my ID has been compromised as I have recently had found some nasty spyware on my computer.

So, I called them back at the number they provided (1-800-279-8511). The message was from a woman named Pat.

I talked to a service rep and when they asked for my social security number, I told them that I would not give them that information, as I don't know who they are. I explained that Pat had called me and left a message to call her back. She (Tracey) that she could not help me because I'm not giving her my personal information. I told her that I could give her the number that Pat used to contact me. She said that wasn't good enough. I asked if she know who Pat was and she said that she did. I asked to be transferred to Pat and she told me that I can't contact Pat. Only Pat can call me. I asked to speak to her manager and she said that I couldn't because I wasn't a customer. I asked to be put in contact with their legal department, and she agian refused.

I still extremely nervous that my ID has been compromised, but I'm not sure what to do aabout it. Any suggestions?

Jim

jim, if you notice ANY deposits made to your account, have them returned immediately. If this does happen, close your account and open a new one, as they may have your bank account information. Check every single day to see if anything has been deposited into your bank account.

Hi everybody,

I live in PA and took out a loan with UCL for $300.00 back in April of this year. Since then I've had 625.00 deducted from my bank account. Now they are still calling saying I have a balance of 65.00 that they ofcourse need immediatley. I have paid back double what I borrowed and feel I shouldn't pay back anything else. They refuse to listen. Should I pay them or are they ripping me off? Thanks.

Jim

flyer, honey, they are ripping you off. First of all, in PA, pdls are prohibited. However, an internet lender will be "allowed" if they are licensed SOMEWHERE. This company is unlicensed, which means illegal. You have overpaid them $325.00 and they want another $65.00. Hell, no. They owe you a refund.

Cannr,

Thank you very much for the info.

Jim

Flyer I just received a PIF from United Cash loans, I can PM you the letter I sent if you would like? I had overpaid them also.

what is the address for united cash loans?

United Cash Loans
Phone: (800) 230-9480
Address: 3531 P Street NW
Miami, OK 74355

TMBL,

Yeah, please send me the letter that you sent them. I would greatly appreciate it. Thanks a bunch.

Jim

jim, if you could register as a member of the site, we can 'pm' each other. This is called 'private message'. TMBL or anyone can send you a letter to use through 'pm'. Can you register as a member & then we can 'pm' you? :D

Does anyone have the address for United Cash Loans?

United Cash Loans
Phone: (800) 230-9480
Address: 3531 P Street NW
Miami, OK 74355

What do I do if this is all just starting to happen to me? I recently took a loan out for $150 and was due to pay $195 on January 25, 2008. I did all the right steps to ensuring this bill was paid off but they only debited $45 from my account and said that i still owed $195 on February. There is no direct way to ensure they received my letters, emails, etc. How can I protect myself from them? I'm already going to close my bank account...should I change my phone number? They have my SSN too...please help!

Hello,

I have the same issues with this company as well as another. Can someone send me the letter I should be sending to this PDL?

Looks like I will have to close my account.

Thanks for the help.

Hello,

I have 3 payday loans. I live in TN.

Below are the three lenders, amount deposited, and amount paid to this point:
SSM - 300/360
Flash Loans - 400/480
United Cash Loans - 300/380

I looked on http://www.paydayloaninfo.org and it appears that none of these are licensed in TN. One, SSM, I did not sign papers for. It appears from what I can tell (which is not much since I do not receive any updated information from the lender) that they are continuing to roll them over.

Below is the information from TN:

Quote:

This firm is a real rip-off. I want to pay off my loan in full and I have emailed them the form that they require to let me do so. However, they will not verify that they have received this special "form" and no phone number is listed on the paperwork. I am going to complain to the Attorney General of Ohio about this bogus firm. Meanwhile, they can keep charging me over 300% interest! DO NOT DEAL WITH THIS COMPANY!

KinOH,

Go To unitedcashloans.com/ and click Contact Us. Ask them to email your user name and password. After receiving, log in and change your payment frequency to pay in full. This worked for me, they took the full amount on Friday.

Good news from me! I got my income tax and paid all of my loans from SSM LLC, United Cash Loans, PayDay Select off. Also, I sent a message to Flash Loans with the law and they cleared my loan out immediately -- $520.00! Yeah!

Thanks to everyone who posts here -- this has already saved me 520.00 or more. Also, I did not know how to contact this darn SSM LLC until looking here since they do not post anything on online.

Only one more left and I can put this behind me, yeah!

Rhonda

I too have taken out a payday loan with UCL, I never got a confirmation email or a phone call or anything. They just kept taking out of my account. I put a stop payment on them and they somehow were able to write a phony check for 480... my bank is going to go after them for this but in the mean time I am out the money. Does anyone know if they are licensed in the state of NY?

Personal e-mail id removed as per forum rules. - Jason

I Live in NY also. NY prohibiuts pdls. None are legal here. Putting a stop paymnet never works, that is why we advise closing your account and opening a new one. They will change names, amounts, aor as in your case put thru a paper check. Also ucl is part of MTE and they are not licensed anywhere. You are only morally obligated to repay the principle amount borrowed. Again. none of these loans are legal here in New York.

Thanks for the info... everyone. This site may have just made my case. I was also wondering about filing a class action suit against these jack#####... does anyone know about stuff like this?