United cash loans is scaring me to death!

miss, United Cash Loans is notorious for trying to scare people. First of all, in your state, no rollovers/extensions are permitted. Which, if you had a loan with them, I am sure they charged you rollover/extension fees. Second, United Cash Loans is not even licensed in your state. Third, you're using T&C to clear these up. If United Cash Loans keeps contacting you with their "nasty" emails, respond back stating that T&C has taken over your loans and for them to contact T&C and give them their phone number. Don't let them scare you. You'll be okay. Just refer them on to T&C. They are not even licensed to lend to residents in your state.

Thanks for your advice. I've been so scared about being thrown in jail or something awful happening.

I'm really glad I discovered this forum. If it hadn't been for this place, I would have never known to contact T&C.

Would it also help you feel better to know that criminal action is prohibited in your state? Do not be scared. There are MANY members who are dealing with United Cash Loans. And, I'll tell you right now, they basically tell everyone the same thing. Blah, blah, blah. LOL! :lol: Please don't be afraid. You're working with T&C. United Cash Loans is illegal. You're okay. I hope to goodness you can sleep now! Whenever you have a question or you get scared or you get another idiot response from these people, just post and we'll help you out! :D

Don't even talk to them on the phone. It just fuels them even more to call. When the email, like cannr said, just email them back telling them you are dealing with T&C.

I tried to email them back a few minutes ago, but the email came back to me as undelivered. Not sure what to do now.

My mind is not working right tonight, anyway, if I were you, I would go ahead and write them letters stating that you have revoked your authorization for them to debit your account, any wage assignment you may have signed, for them to contact your employer or your place of employment. You can also quote your state law and let them know that they are operating illegaly in your state by charging you rollover fees and the fact they are not licensed in your state to lend. They will give you a bunch of BS, but don't let them scare you. They are not going to put you in jail or anything like that. Just hang in there. Everything will work out.

Have they emailed you recently? If so, just do a reply to their message. Oh, if you do get through, let them know that you will only communicate via email or USPS so that you can have a record of what has transpired between the two of you.

How much did you borrow from them and how much in rollover fees have you paid them?

miss, I don't know what email you're trying to contact them through, but if it's being returned, try
compliancedepartment(at)unitedcashloans.com
The compliance department email usually goes through.

Oh thank you for the email address! I borrowed 300 from them, and I'm not sure how much in roll-over fees I have paid, but I know it has been a lot.

Check your bank account and see how much you have paid. Very possible you have already paid that loan off and then some. I know they don't give refunds, but at least you will know whether or not you owe them anything else.

miss, listen to 2nd band. On a $300 loan, they are more than likely charging like $90 in fees? Sound about right? Illegal. Try to figure out how much you have paid them so far. You'll have that ammunition to fire at them.

Yes, I've been getting a lot of $90 fees taken out, and it does indeed add up to over $300.

There you go! Add up from when you received the loan, how many times they debited the $90 from your account. Probably every two weeks? Every week? That's how much you've paid, and you don't owe a penny over $300.00. Don't get sick now! We all kick ourselves in the butt after looking at all the money these pdl's have gotten! You need to file complaints. Have you done this? And have you done anything with your bank account so that they cannot debit your account any further?

I really could kick myself in the butt! I've never filed a complaint, but would surely like to know how.

As for my bank account, I closed the account this morning; however I was unable to close it out before the ACH debit to UCL was denied because my balance was already negative. I suppose that is why I've really been scared they would charge me with writing a bad check.

That can't charge you with that...and they won't ...I had a loan with them too...and refused to answr any of their calls...dealt with them just through email..please don't worry...all the ipdl say all kinds of things...and yes...go ahead and comlppain...the BBB and the AG of your state...if you have paid over what you borrowed then you really do not owe them anything more...

I can't thank you enough for all of your advice :) It has really helped me a great deal tonight. At least now maybe I can manage to eat some dinner and get some rest.

miss, morningstarr has been dealing with them. She knows. And, do not worry about being charged with a bad check. Lord knows! You never even wrote them a check! No checks involved! And the fact that they're illegal. Eat, sleep, and get them off your mind. They're idiots! But, please, please, please file complaints against them. All the more people that do, then all the more agencies will pay attention and do something. File with the BBB www.bbb.org the FTC www.ftc.gov and with your state attorney general. You can just google your state attorney general and the site will come up. It's usually under consumer protection and there will be a complaint form. And, please try to do something with your bank account so that these morons can't get any more money from you!

I recently got a call from UCL.When I asked for an address they hung up on me. Last April 2006, I sent them a VOD letter and no reply. The phone number comes up as 000-000-0000 they leave no message.
What should I do now?

Read though this post, guest. There is an email address for them. You can try to send them an email.
complainacedepartment(at)unitedfastcash.com

They do answer email at the above address.

Make sure you file with BBB - I was able to get a paid in full today from United. It came in the response from them to the BBB. You can do this.

Hi Miss. I have dealt with UCL in the past, as well. I had problem after problem getting them to respond to any correspondence. Finally, I closed my account and they took notice. Funny how they don't have any time to respond when you are trying to make a complaint, but are all over you when you default. Trust me, they can't throw you in jail or have you arrested, or charge you with anything. The most they can do is harrass you and they do it well. :-) You could let them know that you are dealing with T&C and will not respond to any further communication from them. Then just hang right up on them if they call back. Good luck. :-)

Oh yes, make those complaints to the agencies.

Yes, file you complaints! They never responded to any of mine either. They only emailed me when their payment didn't go through and then I would respond to them and let them know there was not a mistake on the return. I never talked to them on the phone or anything like that. They did sneak a paper check through our account, which we could not get reversed, but they are now out of our hair.

When I asked for a mailing address, they wanted to give me a fax number and when I told them I wanted everything to come by usmail they told me they had not mailing address.

Lol, it's probably in Costa Rico or something.

BIG RED FLAG! If they can not provide you with a physical address, there is a problem. They are hiding/illegal/whatever. Any legit business will give you their mailing address. You will find a refusal of physical address common with pdl's. It's usually because they are operating illegally.

yes...they never would give me an address either...they want all the payments made after default by western union...you can just refuse. They can't force you to do that......

Been dealing with this united cash loans as well borrowed 300 they deducted my account for more than that they now say i owe them over 600, they tried to debit my account 600 twice in one day. They dont scare me they always say they are going to take further action, I tell them lets go and they should read there own contract especially the part about court and abritration. I would love to go to court with this company.

What is T & C ?

T&C is Town and Country (Associates?) and they do consolidation, including payday loans. If you search the DCC forum (search box upper right hand corner) for T&C you'll find more about them including contact info and such....

mdun: They won't take you to court because they are illegal, and doing such a thing would only make people aware of how illegal they are operating! They won't do anything it is just a scare tactic that does work on a few people (especially those who've not found their way here)so they keep using it, but its all bark because they have no teeth with which to bite.

I have a PDL with United cash. I just got the State of Florida involved. Lisa Jackson, an investigator send them a letter telling them that they are illegal and to send her and me a copy of my loan papers. She gave them 30 days to respond. lol Can't wait to see what happens. I am the 3rd to file against that I know of... I'm sure there are more. AND more to come !!

p2, here is contact information for T&C.

Town & Country Acceptance Corporation
PO Box 660500
Birmingham AL 35266

phone number: 205-823-4930
fax number: 205-823-7858

Some people also use Langhorne:

Langhorne debt solutions
884 Town Center Drive
Langhorne, PA 19047

phone number: 866-529-0217
fax number: 800-941-0294

You can always give them a call and see what they have to say. I believe they both deal with pdl's.

mdun - United Cash Loans is not licensed/legal. They're not going to come after you, haul you off, etc. They're only going to harrass you. Try to stay away from any phone calls from them. Only corresponde via email or USPS. They will continue to try to debit your account until the world explodes. If your account is closed, wonderful. I'm glad it's closed. If it's not, close it. This pdl is a d/b/a of MTE Financial. They will debit your account FOREVER. And, yes, they will continue to hit your account - even if it's closed - over and over for months and months. They are insane.