United Cash Loans - What are the complaints against them?

I got a 250.00 loan on july 26th of last year with united cash loans,that was 8 months ago,so so far i have paid nearly 800.00 on this loan,they have been taking out more than the renewal fee,what can i do.

Is anyone interested in starting a class action,i got a loan of 250.00 last july,i have paid 800.00 or more on this loan,im on disability and i wanted to pay my loan off last year but was told i would have to wait 3 days before my due date,they sent me the letter 2 days before my due date,so i couldnt pay it off,so is anyone interested in a class action?

I have been dealing with United Cash Loans as they claim that I owe them money. I asked what day and what account they deposited the money and faxed them my bank statement showing that there were no deposits from them. They told me that because I blacked out stuff that had a date a week later than what they said was the date it was deposited they would not accept it. I asked them what state they were licensed out of and they refused to answer. I call the FTC and Utah State Attorney General about it and they told me it sounded like a scam and not to pay them because they have no record of United Cash Loans being licensed anywhere to do pay day loans. My suggestion to everyone that has any dealings with United Cash Loans is to not pay them any money whether you really owe them or not as they are not a legitimate company and were violating the law when they made the loan. They will harass you but when you tell them to put it on your credit report or sue you they do not because that would mean they would be giving you access to the information they are trying to hide but are required to provide you with.

How can I find out if they are licensed in the state of PA? I too, have a 200.00 loan & they've debited my acct for 375.00 already. I had closed the account & now they are calling me at work harassing me.

They are not going to be licensed in PA. Here is the link to check though.....

http://www.banking.state.pa.us/banking/site/default.asp

So what can I legally tell these people when they call me at work?

I think that since I took their money, I really should pay it back, but the so-called renewal fees more than cover the original amount of the loan. Is there a "script" or something that I could read them asking them to consider the loan paid in full? Even though I paid more than I borrowed, I would even consider the overpayments as Interest or fees. Sure, I wouldn't mind getting them to refund the overage, but at this point, I just want it to be OVER WITH.

Has anyone ever talked to a Nujin? I have a message to call him.. I was just wandering what will happen if I dont return his call. I live in TN and also wanted to know if they are legal here in TN.

i think UCL won't be licensed at all.how much did you borrow and how much have you paid total.

I borrowed 300.00 and I believe I have paid 360.00. What can I say to them when they call me. I mean they are even harassing me at work.

i take it since they are calling they can't debit any more.good,send a letter stating your state laws,as well as a C&D letter.you paid what you are supposed to.tell them not to call you at work.once they get your letters they legally can't.send the letters certified mail return receipt.

Were can I find the C&D letter and what web site can I go under for TN laws?

Tennessee State Information

Legal Status: Legal

Citation:
Tenn. Code Ann. ????45-17-101 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: the lesser of 15% of the check or $30
Finance Charge for 14-day $100 loan: $17.65
apr for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: 3 (2 per licensee)
Rollovers Permitted: None (cannot renew or otherwise consolidate)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: One $30 NSF Fee; Court Costs
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Tennessee Department of Financial Institutions
Address: 511 Union Street, Suite 400 Nashville TN 37219
Phone: (615) 741-2236
Fax: (615) 532-1018
Regulatory Contact: Bart Daughdrill,
Regulator Website

Licensee Database

Complaint Instructions

Thank You. Were can I go to get the C& D letter. SO is this company legal in TN?

So, is United Cash Loans legal in TN?

I am from South Carolina and the United Cash Loans have been taking $90.00 a month from my check each pay period. I have paid them over twice the amount of the loan. I do not know if they are liscensed in South Carolina. How can I find this information out and will I have to pay anymore towards the Loan?

united cash loans is part of MTE.they will not be legal anywhere.if you paid the principal in supposed interest then you are done you owe them nothing more.if you overpaid the principal then you can demand a refund.can't guarantee you will get one,but you shouldn't pay them another dime.they will fight you on that.don't listen,they are unlicensed therefore illegal.they are not licensed at all,they are illegal in every state.

Where can I find the Pennsylvania State Information listing so I can send UCL a certified letter with the documentation?

PDL laws in Pennsylvania are:-
Quote:

I live in TN. I had a loan with them $200 it has been paid back and they are still taking money out to be exact $350 so far I am not happy who can I contact because in two weeks they will be taken out more money PLEASE HELP

Hi Hether,
Let me tell you that every state has it's own set of payday loan laws.
Tennessee is such a state where it is not mandatory for the internet pdl to be essentially licensed in the state where the customer resides. Here is the basic law: - Quote:

I feel really stupid to not have not done a background check on UCL. I just took out a 200.00 loan from them today. I have not received it yet and I called them today but they were closed. I no longer want the loan after the things that I have heard. Is there anyway to put a stop to my bank receiving the money?

IN May 2008 I took a loan for 150$ from UCL.I paid it back in full w/fees. Subsequently in 8/08 UCL tried to debit my account for $600 and I had to fill out fraud papers with the bank. They said my stop payment with UCL would be good for 6 mos. Unfortunately UCL has tried 2 more times to take money out of my acct and have recently succeeded again.My bank(US Bank) is now telling me that there is nothing they can do to help. Can't they offer to close my acct or something and I can open another one? Why are they not responsible if I have a stop payment which was issued by the bank in 8/08 supposedly good for 6 mos against UCL? Please help. I am going to try to at least close my account with them. Maybe this is my only alternative since I can't get any cooperation from US BANK on this.

I would raise all kinds of hell. Walk into the branch and ask to see the manager. Do not take no for an answer. Be very loud and insistent. Make sure that it is at a busy time of day. Take all documentation with you. Also, find out the name of the President and CEO, CFO of US Bank before you go and make sure you start dropping names. You will definately get their attention and if you're a big enough PITA, you should be able to get this issue resolved. Follow up with e-mails to the President, CEO, CFO, etc.

I was able to get in touch with someone at US Bank today and she told me that the reason this $600 debit was taken out of my account and not stopped was because my stop payment was for EFT only. This time the sneaky thieves at UCL submitted a check and it went through. Get this is it says specifically on the check that this is authorized by me in the event that an EFT is not processable. These guys are real good! I am going to go down to the bank in person tomorrow and close the account. This seems to be the only way out from these crooks! I can't beleive that a stop payment has such boundaries as EFT or checks. It's from the same enity though. Both say UNited Cash loans on them. This has been a very expensive lesson for me. I hope that no one else does any business with UCL. I have tried to contact them and of course they are closed everytime I call. What a scam. I feel like such a fool!

i borrowed 300. now i got a call from my sister saying jimmy carter at 646-213-1090 called and threatened saying i oew them 725.00 and they were gonna sue i put my sister down as a reference when i called the # he said i owed 725. but i borrowed 300 and he said i borrowed 280. i borrowed in may and he said april. help me i'am scared

i borrowed 300. now i got a call from my sister saying jimmy carter at 646-213-1090 called and threatened saying i oew them 725.00 and they were gonna sue i put my sister down as a reference when i called the # he said i owed 725. but i borrowed 300 and he said i borrowed 280. i borrowed in may and he said april. help me i'am scared

UNITED CASH LOANS HAVE BEEN MAKING FRAUDULENT PAYMENTS TO GET MONEY OUT OF OUR ACCOUNT. SO FAR THAT I KNOW OF THEY HAVE MANAGED TO GET $800. I HAVE CHANGED BANKS AND ACCOUNTS NUMEROUS TIMES. THE BANK HAS BEEN MADE AWARE OF THIS PROBLEM AND IS NOW CONDUCTING THEIR OWN INVESTIGATION. I DON'T EVER EXPECT TO SEE THIS MONEY AGAIN. MY QUESTION IS: IS THERE ANYTHING ELSE I CAN DO TO STOP THIS OR GET OUR MONEY BACK OR SHUT THEM DOWN? APPARENTLY WE ARE NOT THE ONLY ONES THIS IS HAPPENING TO. THEY HAVE PRESENTED ANOTHER FRADULENT PAYMENT TO MY ACCOUNT TODAY FOR $277.00 WHICH I CANNOT GET THE BANK TO STOP PAYMENT. I DON'T KNOW HOW A BUSINESS CAN STAY IN BUSINESS WHEN BREAKING THE LAW. IF I COULD AFFORD AN ATTORNEY, I WOULD TAKE LEGAL ACTION AGAINST THEM. MAYBE EVERYONE THEY HAVE DONE THIS TO NEEDS TO CHIP IN, HIRE AN ATTORNEY THAT WILL GO AFTER THEM AND PUT AN END TO THIS FRUSTRATION THEY HAVE HAVE CAUSED NOT TO MENTION THE EMPTY POCKET BOOKS!

Contact your Attorney General and the Federal Trade Commission, you can file complaints online.

Today I received a call from United Cash loans on my both my cellphone and work phone offering me a loan. This has raised alot of red flags for me. What should I do to prevent them from doing the things that I have read here?

if you ever had an MTE loan.like USFASTCASH,500FASTCASH,AMERILOAN.ONECLICKCASH among others they are trying to get bank info from you.tell them to pound sand.they are more trouble than they are worth.

why are yall takeing money fro m my account because i didedrecives any ioan from this company

You must have mistook us with another company. We are not United Cash Loans and we haven't debited your account.

This is a debt forum where we discuss our debt problems to become debt free.

THEY HAVE BEEN TAKING MY MONEY OVER AND OVER AGAIN HOW DO I STOP IT?

close your current account and open a new one.that is the only way to stop them.

I received a cash loan from United Cash Loans back in Jan of 06.my Loan was for $400.00 we paid back $680.00. We closed our bank account to stop the deductions and it worked. Yesterday Feb 3, 09 we got a call from them stating we owe $525.00 almost 3 years later and they call us now! What can I do to stop them from bothering us?

file AG,and FTC complaints.this is an illegal pdl that technically owes you money not the other way around.file the complaints and tell them to pound sand.

We borrowed 300 from ucl back in November. (our first time doing a payday advance) They have been debiting our account 90 every other week. Until recenly they removed an addtional 50. They are going to remove another 125 today. (Thus totaling 625 ona 300 dollar loan.) We have recently learned they are just renewal fees! Should have read the fine print. So none of the money we have been paying has been going toward the principle? Why are they charging us more than the 90 fee? Is any of that going toward the principle of the loan?
I contacted them,but since the loan was in my husband's name, they would not give me any information. I had to be a customer. My husband has not been able to make contact with them.
After reading everyone's horror stories with them, I am fearful they can just come up with some random amount that we owe. We would have to pay it. We do not want this to destroy our credit by not paying them.
Is there anyone who has actually succeeded in fighting a case against them?

I have a loan with them and I live in Indiana. I will pay back the amount I owed but they are trying to take out double payments and crazy fees. Where can I find out if they are licensed in Indiana and the laws?

I have tried asking them to stop contacting me, yet they continue to call several times every day. Any idea how long they will continue this harassment? I don't want to change my phone number but maybe it is the best thing.

I would change my number if I were you, just tell your phone provider you are receiving threatening and harassing calls, in a case like that they will usually change it free the first time.

I have also taken out a loan with ucl and paid them in full. They have since tried taking out more money out of my account, most recently they sent a fraudulent check in the amount of 465 dollars. I dont know where they got that amount. I had a stop payment put on my account for this co., but they still got the money out. I am in the process of contacting my bank because they are legally obligated by the Federal Regulation E to protect my interest regarding my bank account. If you put a stop payment it goes by a merchant no. and there is no reason why they cant stop it. No matter what the amount is. Has anyone heard about this?

once an illegal pdl has your account and routing#.they can and will get money out a number of different ways.

1)use a diff co name
2)put through a diff amount
3)put through a paper check.

that is why it's best to close the current account and open a new one.some people have done this at the same bank.while others have switched banks.

I can almost %100 guarantee that United Cash Loans does not operate out of Nevada. And the address that they're giving you from Oklahoma is that of an Indian Reservation ground, hence the reason its legal to conduct their business from there.. Who in the world said that they were from Nevada??

because there OK address is just a p.o. box mail drop.they do not have an actual presence there.that is why there exemption is a sham.

The owner of the company has tried just about every subterfuge on the planet to keep state AG's and class action lawyers from nailing him. At one time it was a Nevada lending license. Before that he was a "servicer" for a bank. Now, he's a management consultant for a couple of Indian tribes.

Meanwhile the whole thing is being run out his Shawnee Mission, Kansas call center the same way it was twelve years ago when he got started.

I had recently gone on here and stated that we had just realized that they were only taking out renewal fees, not actually paying the loan.
So we called them to pay off the amount we owe. On Thursday they are going to take out 350 from the loan that we had borrowed back in November. The charges on top of the 90 dollar payments were going toward what they considered interest and the principle. So although we had payed an extra 95 dollars, only 40 dollars of it actually went to towards the principle of that loan. In total, they have removed 1015 from our bank account on a loan that was for only 300 dollars!
I am fearful that they may try to give us an unauthorized loan now that they have our bank info. I guess the only thing to do is to close our account.
What a painful lesson in borrowing money from these types of companies!
Again, I am going to ask if any one has been sucessful in actually fighting back against this company?

already canceled before receiving loan and you still took $100.00 out of my account, even after you sent me an e-mail saying you closed my account. so please put the $100.00 back, thankyou,mr. poole

Kenneth we are not the loan company. This is a get out of debt help forum. You need to dispute the charges at your bank and close your account.

This illegal company now has your information and will continue to debit.

I experienced similar issues with this client. They harrassed me at work, leaving very threatening inappropriate messages. Please advise

just hang up on them.file AG and FTC complaints.they can't (despite what one person in particular says) do a thing to you.