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I had recently used pepper cash to help with some bills. When I looked at my account to see how much has went towards my loan out of the $175.00 they took out of my bank account it showed 0 was applied to my account with pepper cash. I then email the company and they advise that the only way I will be able to pay this off is to pay it in full. This is not how payday loans work I know cause I have another one out with another company and they only charge a little every two weeks. When i contacted this company by phone they told me that it only goes toward the principle that is b**s***. I have never had a loan that only charges for the principle. What ever you do do not use this company. Montel Williams should be ashamed of his self for even having this in his on his web-site.
I have used Pepper Cash for an emergency situation, and read thru the agreement, and was appauled at the rate of interest, but due to the currumstances I was in, decided to use with them. I recently found out, they have been bought out by another company. When I try to log into my account, I find that I cant. I send the email, as requested, and was again directed to call them. I called and was given a huge run around by an agent who can barley speak english. Ian, proceeds to tell me that my min balance is 87.50. I tell him I want to make my min payment, because making additional payment, I am penilized. He then tells me that my min balance will be 112.50. WHAT?!? I asked him what changed in the 5 minute conversation we had, and he couldn't answer me. I asked for a copy of my agreement that shows my payment due dates and payments due. I asked why I couldn't log on to the new site, he replied they are doing system updates... for a week? Very fishy, will nevr do business with them again!
I thinking to go tomorrow to any Police Department early on the morning to talk about. to got any idea before those guys coming . any body want to tell me if this is best i can do about all this?
thank you
ok. I was at business with Pappercash and was terrible experienced ever had. I got a loan for US$ 400.00 DLS, I made very clear point with them,
1) % going o be 10% on reminded loan after my first payment.
They told me payment must be 2 times a months, mean s every 2 weeks.
I explain to them I live under SSA check, and will be allow to make just one pay for month
I told them you know Sr take the full US$ dollar, going to be very hard for me but, if loan will be US$ 440.00 Dls i go with this option but please if you see can help me on this matter i will appreciate . if you can see can i have more time and pay 10% on the remind balance i will be happy, My mother is very sick over the seas and i really need. i know is to much % but i am on very bad economical situation.I was on terrible dislike situation after my fir payment the took different amount of money, and 2 weeks later they did same, mean they take from my account money wasn`t there and the bank charge me US$ 35 five Dollars. Am just left in my account money for my Credit Cards. i never expect this company take money from there, when they ready did 2 weeks before. When my Credit Cards try got money from my Bank the Bank refuse to pay because i didn`t have any money left, i didn`t knew, i check my Bank 2 times a months. My surprise was when some body called me from Bank and told me i need to made a deposit the sooner i could . My God, i own over US$100.00 DLS. i went to the PC and check my Bank account. sure, Peppercash take the money for my Cr Cards, and then Bank charge me US$ 35 for each time, and was 3 Cr Cards. Us$ 105 .00. Plus Cr Cards same as the Bank any body getting the idea how much money i had to pay back to all this creditors ? And the worst i try to call them and they way they explain to me wasn`t 10% that going to be over 70% . I almost dropped death! Total they took about USA$ 300.00 DLS. And i stopped the payments. Later on somebody start to contact me with the remind Balance . Some collect agency . i tried to called Pepper cash and some body told me they are out of business . now some investigator Walker Williams Assoc is doing a lot of hard time to me. they want me to go to the Court and is my think i want to, they want to come tomorrow Sept 2do
2014 at 4pm they said they go to bring me the Subpoena, I told them they no need to do that because i never refuse to go to any Court . It is very rare people. they do not sent me anything and still make phone call they will came last week but never showed up. let see tomorrow
i told them i know o won to them still, US$ 100.00 on principal and 10% Interest . I will be talk the truth to the judge . i live in Pennsylvania State. It is Commonwealth of Pennsylvania. some body can help me now with some Pennsylvania Laws?
To anyone defending this company. I read all of the terms of the loan. What I missed were the terms of the website! This organization is owned by an Indisn Tribe in Michigan. As a US non-tribal citizen you have no fights to sue them for mis treatment. So when they lied about the percentage rate, saying they do not charge more than 50% of the princaple. To the guy who says they are perfectly legit, and people need to read the fine print, I did, and received less than $500 from them. You know what I paid back? $1500, and that was before they lied to the state of Florida claiming I had knowingly taken out a loan and then closed my account to screw the bank aka them. First of all this is only s felony if you haven't paid back an amount equal to the principal, which I paid more than 3x over. Secondly, I was forced to pay another $750 to the county, to go directly to pepper cash, to keep from being arrested, processed, and plea not guilty before I would be released. Tell me again how decent and fair this company is. It is against the law to collect more than 100% interest on a loan in most states, but they don't count because they are an Indian nation. The only thing they are doing us giving a bad name to their people, and abusing their standing with the US government system.
For this quality customer that wrote before me... there´s an error in the system and that´s why we can´t reloan unless you pay in full...It´s not that they changed their rules.. Just give them a couple of days and when you call you´ll see that it was just an error... But they should totally let us know (via e-mail or whatever) that the´re not doing this transactions at the moment, ...
Pepper Cash just lost a loyal customer today. When I got a $200 loan about a month ago, the phone rep said that after you make 2 payments ($50 each) of interest payments, you are eligible to request for more money. So after already meeting there standards of 2 payments ($100 in total interest), I still have the $200 principal balance to pay back... so all is fine! So why when I call them today to request another $100, they denied me saying the loan has to be totally paid off before I can borrow some more money, because they just changed the rules last week! I explained to the rep that WAS NOT the conditions when I got my loan a month ago! I told them that was FALSE advertising, and when I got my loan that original rule of (2 pays) should be "grandfathered" in my loan agreement! NEVER AGAIN PEPPER CASH, YOU LOST A LOYAL ONE! After I pay this loan off in total next week you all are history in my agenda. VERY UNPROFESSIONAL! Then the rep said that other customers call with the same complaint (NO DUH!) Your company gonna need us (the consumer), more than we need you!
I totally disagree! most of the complains are because THEY DO NOT READ THE LOAN AGREEMENT THEY SIGNED, come on people! you must read what you´re signing, they explain the payment options very well but maybe you didn´t pay attention to that, instead of signing right away you should READ the agreement and take your time, think about it and make sure that everything is right, also you can request them to send you all the info you need but you receive the cash and after that you never call to make a payment arrangement? that´s so stupid, you must call them and make the arrangement! if you´re a good customer and a responsible person you will see that that company is not a scam, but you never call and you assume that they made a payment arrangement for you, If you read the agreement and pay attention to the representative you´ll see that the terms and conditions are good, if you don´t think so you can cancel the loan and that´s it... be more responsible please! look at the payment options: 1st: pay in full (loan+finance fee) 2nd partial payment (Finance fee + amount you choose in increments towards the loan) 3d option renewal (pay just finance fee UNTIL you can pay more to start paying down the loan) I know all that becasue I read my agreement...
SCAM!SCAM!SCAM! I got a $500 loan from pepper cash in Dec. of 2011. The total amount to be paid back was $625. I made arangements to have my first payment taken out in Jan of 2012 for the amount of $350.00, the next payment was to be the remanding balance. As of Mar. 2012 they were still making deductions from my account in the amounts of $97.26(four times) and a deduction on $121.14. Finally I called pepper cash to get some answers and mysteriously Pablo and I got disconnected when I was explaining my situation. I then called my bank to have the deductions stopped. The Bank agent called pepper cash and connected me on the line. Pablo then pretended as if he never spoke to me and didn't understand why I was so upset. Meanwhile he explained to me that of the $97.26 that was taken from my account only $25.00 wen towards the actual loan (this is not what was explained to me at the time of the loan). I then told him about my payment arrangements and he basically called me a liar and said no one could set my payments up that way and that if I didn't repay the entire loan the first time that I would have those deduction (that I previously mentioned). Nevertheless I made arrangements to pay the remaining balance of $250.00 in Apr. 2012 and my bank has put a stop payments on all amounts to pepper cash until then. PLEASE!PLEASE!PLEASE don't use these CONS!
Also a victim...$175 every 2 weeks...it's a finance fee...not paying towad principal...can do up to 5 finance fee...and on 6th payday, they take out $200...and pay $25 toward principal and 175 on finance fee...TOTALLY RIP OFF! They are going to draw $500 on my account to pay them off to avoid more $175 finance fees! HOPEFULLY NO MORE...this is NOT a reccommend loan company. They rob you VERY easily.
I am a agent, a customer service when you call [protected] I answer the phone my name is orlando do not make bussines with peppersucks because they do not even pay to us they were supposted to get paid yesterday and they wont pay to us until next MONDAY wich is a lie we areas currently taking care that they wont take the stuff out of the office PLEASE DO NOT MAKE BUSSINES WITH THEM THEY SUCK THEY DO NOT CARE ABOUT CUSTOMERS AT ALL
I agree with all the above reviews about peppercash. I will go on TV if I have to, to tell people to stay clear away from this loan company. They are operating highway robbery without a gun to your head. I got a loan of $500 from them in October 2011 and I got just an interest charge of $125 two weeks later from the date of origination of the loan. I called them to ask for an extension of the loan till sometime in December and was told that I had to make some type of payment on my next pay period so I decided to pay $200in November, which will be $125 towards interest and $75 towards the principal. This then dropped my payment down to $425 in principal and the about $100 in interest. Anyways peppercash didi not take the whole amount out as agreed for December. Instead, they robbed me of $125 every pay period since thelast 6 weeks amounting to a total of $668 in interest alone plus $500 principal This is why am writing to let anybody out there that is interested in payday loan companies to stay away from peppercash. If you need a payday loan company, use discountadvancesloans instead. I borrowed $770 from them and they let you pay in the way convenient for you. I probably paid a total of $300 in interest over a three month period with them. RUN FROM PEPPERCASH.
had recently used pepper cash to help with some bills.500 dollar When I looked at my account to see how much has went towards my loan out of the $175.00 they took out of my bank account it showed 5 paymen $175.00 in totabl $875 was applied to my account with pepper cash. I then email the company and they advise that the only way I will be able to pay this off is to pay it in full. This is not how payday loans work I know cause I have another one out with another company and they only charge a little every two weeks. When i contacted this company by phone they told me that it only goes toward the principle that is b**s***. I have never had a loan that only charges for the principle. What ever you do do not use this company is a .fraud
Montel Williams should be ashamed of his self for even having this in his on his web-site.
I totally got coned into this company and i took out a loan for 600.00 in June and to this day i am still paying it back i have paid back 1800.00 dollars and they just told me that my balance is still 600.00 WHAT? how can they do this? i am supposedly paying 25.00 every 2 weeks on the loan itself and then paying almost 200.00 in interest. STAY clear of this company! now I have to try to figure out how to get them out of my life for good!