Westbury Ventures....

By chance, did you have a loan from any other company that is their affiliates? VC Funding is one. Here is the contact number. Give a call and inquire about the details.

Westbury Ventures d/b/a VC Funding
1-800-859-6439
866-281-9011 ext 117

I also need some help getting started with filing complaints with the BBB and AG in my state on the 8 PDL's that I do have.

They are with the following company's:

CashNetUSA
NetCashUSA
One Click Cash
Arrowhead Investment
CMG
SGQ
National Opportunity Credit
Cash today

I have an appointment with my bank tomorrow to try and figure out how much I need to pay all the PDL's to get them all paid off! They have already closed the account that the PDL's were hitting and opened me a new account. They also marked all of them as unauthorized debits. Which retracted all of the money I had paid on all of them! So, now I'm back to zero paid on all loans. :(

fatb - I honestly don't know who thier affliates are?

Littlee, what state do you live in? How much did you originally borrow, and how much have you paid these places so far? It sounds like you are off to a great start. Now we need to know where you live so we can figure out what the laws are in your state :)

I live in PA.

CashNetUSA is a total of 1300
NetCash - 400
One Click Cash - 200
National Opportunity - 300
CMG - 200
SGQ - 200
Cash Today - 200

I was well over paid on all of them until my bank took every penny back from each company! So now I actually haven't paid 1 penny on any of them! And the 1 had been marked PIF by CashNetUSA....

Thing is I didn't apply for all of those PDL's, 4 of them just showed up and started debiting my account!

Cashnet USA marked you PIF but they are still debiting your account?

I had 2 loans with them. When my bank took back the authorization for all the PDL's, they included the 1 that was PIF. So now I owe that 1 again

I am going to leave this question to the pros. PA has some tricky laws and I am not familiar enough to give you advice on them. Someone should be along soon to give you some advice on them!

Ok, thanks Sass

Westbury Ventures purchase defaulted pdls and are subject to fdcpa even though they don't believe it.

Not to be stupid but what does fdcpa mean?

I believe it stands for the Fair Debt Collection Practices Act....

Oooooooooooh ok, thank you Sass.

I feel so stupid any more and all this is getting depressing..

:lol: A gold star for Sass!!!

You are welcome! Don't feel stupid. Many of us here have been in the same situation. When I found this site, I had 10 payday loans myself!!! Don't be depressed, either, You found this site and there is a wealth of help and information here. Things will be better soon!

Thanks for the gold star, cajun :)

I sure hope so. I hate feeling this way and I'm tired of some of these places calling my place of employment and threatening me!

Which ones are calling and threatening you? Most of their threats are baseless.....

CMG, they are so rude and ignorant! This guy Daniel Wright called and threatened me with court and jail if I didn't pay in 30 mins. So, I swallowed my pride and went to talk to my boss about getting an advance on my pay. Mean while, this guy called back 4 times in an hr, the last time he told the girl answering the phones that if I didn't call him back in 5 mins I'd be picked up and sent to FL!

Well my boss called him back to see where the money needed to be sent to and Daniel threatened my boss on top of it all!

Did he state which company he was with? Please don't let these people scare you with jail. Nobody is coming to pick you up and extradite you to FL!!!! And they sure wouldn't be able to do it in half an hour!!!

It was something like United Processing Department of Florida, but I was so upset that he even said that stuff that I didn't totally hear it all.

Yeah that's what my boss said. He also as much as said I need to grow a backbone!

I think what scared me the most was that I had never heard from them before that day! It all just came out of the blue..

I believe that is Bass and Associates. Please do a search for them on this forum. They use extremely illegal tactics, impersonating police officers, threatening to send 25 people to come pick you up, etc. Please do not let them scare you, and do not send them any money! Do a google search for them on this forum and read what others have to say about them. They are the worst of the worst!

Oh great! Just my luck. Thanks, I will google them.

There are two that ring a bell.United Pay services & United Processing Inc. I have contact info from state of florida if you want it. 8) I'm nosy like that! :lol:

Oh please send cajun! I don't like being treated like that! I lost wages that day to go to the bank and talk to the woman who had helped me close my account and get all the money back on the unauthorzied PDL's.

You guys are so helpful! I want to do all that I can to help stop these people from doing this to others!

I need to go to bed for work in the morning, 5:30 is gonna come awful early!

Cajun, I'll look for that info in the morning when I get up!

As promised here are the contact results:

APPLICATION FOR REGISTRATION OF FICTITIOUS NAME
DOCUMENT# G061 59900283
Fictitious Name to be Registered: THE UNITED PAY SERVICES
Mailing Address of Business: 4494 SOUTHSIDE BLVD.
SUITE 203
JACKSONVILLE, FL 32216
Florida County of principal place of business: DUVAL FILED
Jun 08, 2006
FEI Number: Secretary of State
Owner(s) of Fictitious Name:
TUPS CORP
4494 SOUTHSIDE BLVD., SUITE #203
JACKSONVILLE, FL 32216
Florida Registration Number: P02000021097
FEI Number: 22-3443840

Tups Corp.
899 W AMERICAN EAGLE DR
ST AUGUSTINE FL
32092
(904) 685-5008

Entity Name: UNITED PROCESSING INC.
Current Principal Place of Business: New Principal Place of Business:
101 CENTRY21 DRIVE #107
JACKSONVILLE, FL 32216
Current Mailing Address: New Mailing Address:
101 CENTRY21 DRIVE #107
JACKSONVILLE, FL 32216
FEI Number: 20-3844570 FEI Number Applied For ( ) FEI Number Not Applicable ( ) Certificate of Status Desired
Name and Address of Current Registered Agent: Name and Address of New Registered Agent:
WATERS, LISA
101 CENTRY21 DRIVE #107
JACKSONVILLE, FL 32216 US
The above named entity submits this statement for the purpose of changing its registered office or registered agent, or both, in the State of Florida.
SIGNATURE:
Electronic Signature of Registered Agent Date
Election Campaign Financing Trust Fund Contribution ( ).
OFFICERS AND DIRECTORS: ADDITIONSICHANGES TO OFFICERS AND DIRECTORS:
Title: DP ( ) Delete Title: ( ) Change ( ) Addition
Name: WATERS, LISA Name:
Address: 101 CENTRY 21 DRIVE #107 Address:
City-St-Zip: JACKSONVILLE, FL 32216 City-St-Zip:
Title: DVP ( ) Delete Title: DVP (X) Change ( ) Addition
Name: IVAN, CARMEN Name: SWICK, CYNTHIA
Address: 12995 SILVER SPRINGS DRIVE N Address: 2527 TREEMONT ST
City-St-Zip: JACKSONVILLE, FL 32246 City-St-Zip: JACKSONVILLE, FL 32207
Title: DS (X) Delete Title: ( ) Change ( ) Addition
Name: SWICK, CYNTHIA Name:
Address: 2527 TREEMONT ST. Address:
City-St-Zip: JACKSONVILLE, FL 32207 City-St-Zip:

There it is in black&white: 8)

Great info, cajun!!!! Littlee8, I hope this gives you an idea of who you are dealing with. Again, PLEASE do not let these people scare you into giving them your money.

Thanks for that info Cajun :)

Thank you so much Cajun! Now if I only knew how to file a complaint with the BBB and AG's office I'd be ok. I can check into that tonight when I get home from work.

Now would any of you send a payment to pay off a PDL before knowing exactly what is owed? As I've said before I haven't paid 1 penny on any of them since my bank revoked authorization on all debits that all of the company's took....

Here are the complaint weblinks for a Florida collection agency:
http://www.flofr.com/Director/complaints.htm Florida Dept. Of Financial Regulation
http://www.floridabar.org/ Florida bar assoc. if they claim to be lawyer and they are not.
http://myfloridalegal.com/ Florida attorney general
www.bbb.org Better Business Bureau
www.ic3.gov Internet Crime & Fraud center run by the US Dept. of Justice

Internet Payday loan companies are told by the banking dept that they do not need to be licensed in PA, and that they must follow the laws of the state they are licensed in. This info can also be found on the PA Dept of Banking website - click on laws and regs, interpretive letters, consumer discount company act, then the letter about out of state internet businesses.

This means that some of your pdl's - Especially Cash Net USA - Is operating legally.

Did your bank just give you a provisional credit? These companies are all going to show the contract you signed to the bank during the investigation, and that money may be yanked back from you . . . . I do not think it was right to have the bank give you back every penny you've paid them. That is fraud to me. Yes, you should only pay them what you legally owe, but either you lied to your bank and said these charges were not authorized when they were, or something is very wrong with your bank. I understand getting overpayments back, but not what you really owe them!

I don't know what the bank did. I was just following the advice of my bank manager because there were PDL's hitting my checking account that I did not authorize to do so! She had me sign some papers and then took care of the rest and cloesd my account.

I have paid CahsNetUSA all but $60 bk, NetCashUSA I still owe $280, National Opportunity I still owe $200 and none of the others have been paid 1 penny because I did not apply to them for any PDL's!

I don't know what to do. But I get the feeling that the bank manager may have screwed me up?!?!?!

Oh and One Click Cash is paid back all but $140

Okay, I'm confused - I thought you said in a post that the bank reversed ALL the money that you'd paid to them.

I was well over paid on all of them until my bank took every penny back from each company! So now I actually haven't paid 1 penny on any of them! And the 1 had been marked PIF by CashNetUSA....
But now you are saying that you've paid them

I have paid CahsNetUSA all but $60 bk, NetCashUSA I still owe $280, National Opportunity I still owe $200 and none of the others have been paid 1 penny because I did not apply to them for any PDL's!
Is this money you've paid in the last day? Or am I missing something?

I would still be worried that the companies you did take a loan out with will "prove" to the bank that they did have your authorization to withdraw that money. When that happens your bank will come back to you for that money.

Cash Net USA is operating legally in PA - I haven't checked the licensing status of the others. But that one is legal, and can take steps to collect. I would be sure to communicate with them your plans for payment. They tend to be a bit uncooperative - Most people say that they told them they will only accept payment in full, but what most do is just send in the partial payment each month with a letter outlining their payment plan. Cash Net USA will cash it.

When I posted that I thought the bank did take back every penny. I stopped and talked to girl that was handling my account at the bank and she pointed out that no, not all of them were taken back.

The ones that I did authorize I have payments set up to pay the balance on them. The ones I didn't authorize I am in the process of writing them all for proof and then once they provide it and I'm satisfied I will set up payments on those as well.

I have payments set up with CashNetUSA, the only thing is they are charging me like $600 more than the loans are worth, but they have been very cooperative about this all so I will pay it.

I jump to comnclusions too fast at times when I'm upset and don't always look things over thourghly. I know it's stupid to do that. And I know it's no excuse, but this past week has been heck with these PDL company's calling me at work and even going as far as threatening. CMG is the biggest one and it's taken it's toll.

No problem - It makes more sense now.

You will eventually be all done with these places, and have learned a valuable lesson - PDL'S SUCK!

I know, I hate feeling this way. I feel so helpless and my kids are really starting to worry about my sanity. Mostly my 15 yr. old.

I really wish I had had some where else to turn instead of being stupid and taking the PDL's when things got a lil tough financially for me.

So, is there any advise you could give me to help me get on the right track here? I'd kinda like to try a debt consolidation program, but have no clue where to start. Needless to say I'm really on a tight budget now with all this and being a single mom of 3...

I am also being hounded by United Pay Services by a person with the name of Keven Petersen. On Friday, he stated that he was an attorney. Now two voicemails later on Monday morning within an hour, he is now an officer and I am being arrested today. What can I do to stop him from calling my place of employment. He has also left a message in my bosses voicemail and in the general delivery mailbox of our company.

litlee...if you have a lot of other debt why not take up the offer on the free consult here...they maybe able to find you someone in your area to help you get control of your other debt...

Guest...is this an internet pdl?? You can send a letter revoking thier right to contact you at work...did you default of the loan?? Please give us a little more info..state you live in etc.

Hi, i made payment arrangements wth this company...i authoirized them to tak out $125 on 9/28, 10/31 and 11/30...well, today was my first payment and they decided to take out the $125 and an extra $225...i called my account manager and he said that he could not give a refund b/c i owed them money? But i never authorized this transaction...he started threatening me and i told him i know my rights, you cant do that...and he said we will get our money any way we want and hung up??? What can i do?