The following is my second cease-and-desist letter that I sent to united cash loans on october 9, 2012. It is rather self-explanatory.
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9 october 2012
United cash loans
3531 p street nw
Miami, oklahoma 74354
To whom it may concern:
On 30 july 2012, I sent you a letter demanding that your company immediately cease and desist from making any further collection calls either to my home or cell phone.
In my initial letter, I cited the fact that on at least two occasions, your company made collection calls to my employer without my permission, in clear violation of section 805, subsection (b) of the federal fair debt collection practices act (15 usc 1692c).
To date, your company has refused to comply with my cease-and-desist demand and continues to make collection calls to my home. Each call that your company makes is a further violation of the fdcpa.
The fact that your company is a “tribal lending entity wholly owned by the miami tribe of oklahoma, ” as stated on your company's website, does not absolve you from liability under the fdcpa. Federal law trumps any state, county, municipal – or tribal – law.
Therefore, pursuant to section 809, subsection (b) of the fdcpa (15 usc 1629g), you are hereby ordered to stop making any further collection calls. Because of your company's repeated violations of the fdcpa, you have forfeited any right to collect.
Failure to comply with this order will result in complaints filed against your company with the u.S. Justice department for illegal harassment under the fdcpa.
In addition, copies of this letter will be sent to my attorneys for possible legal action in the event that your company continues in refusing to comply with this order.
This is your final warning.
[legal name withheld for privacy reasons]
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I sent my second cad letter via certified mail and received the return receipt on october 15, with the signature of one carolyn williams of ucl, dated october 11, 2012. As of today (october 26, 2012), I am still receiving collection calls from ucl. Their name and phone number showed up on my caller id.
These bottom-feeding # are openly defying federal law and must be held accountable. I already made good on my warning to ucl and filed formal complaints to the federal trade commission and the new federal consumer financial protection board. My next step is to file a complaint with the civil division of the justice department. I am hell-bent and determined to hold ucl accountable to the fullest extent of the law. These so-called "tribal" payday lenders can circumvent state laws, but they cannot willfully defy federal law and expect to get away with it.
This UNITED CASH LOAN company is FREAKIN fraudulant!!! Customer service is a JOKE. Uneducated bunch of Biatches!! I think they just went to the Ghetto side of town in a bus, picked them up anyone who was standing outside a liquor store, park where prostitutes hangs out or drug corner and said your hired! You ask for a Supervisor or Manager and they put you on a waiting list. Your better off loaning from CheckCity or Money tree, depending what State you live in, At least when you borrow from them, it's a FLAT fee and when the debt from your acct. it is towards the whole loan including the fee. I just paid $195.00 total from a $150.00 loan, that I took out for my Special childs Chemotherapy meds. I really want to do is borrow from them again, to rent out a billboard stating " UNITED CASH LOANS is a FREAKIN' RIP OFF". and never pay them back and move back to Canada. lol...
I never went through with applying for the loan through the company. However, today, I got 10 calls from the # [protected] and left me 1 voice mail saying that he was Office Jean Barker and he had an avidavit on me and my social security number and was calling because their money was good enough to me to take a loan out but not to repay it.. I called my bank and checked my accounts to make sure there wasnt any Deposits made by this company. There wasnt. The crazy thing is .. On the voice mail he said his name was office Jean Baker. I later got a call at work. Where the guy said his name was CRAIG and when I called back. I needed to speak with JEFF. all using the same number. I am in the process of reporting this information to the BBB. I had to close my bank account and get a new one. Because criminals like them, never let up. I am very glad that I didnt use them.
I never applied for a loan through United Cash Loans, but since January of this year I found they have been along with an affiliated company taking out incriments of 90 dollars 75 dollars at a time, a few times a month. I had a good amount of money in my account so i didnt notice it, but when i finally looked at my bank statement this past month, i found almost a thousand dollars they have stolen from me and my family. i never applied for a loan through them!!! never, but i have a copy of an application that was filled out online, that has all of my information, from my SS# to my birthdate to where i live and my phone number. i cant believe it. i dont know what to do or if i can do anything at all. how do i disprove an application with all of my information on it? other than my income being 3 times what i was really making on the application the only other thing that was i guess wrong was the friend referalls, no idea who the 2 people are, but their phone numbers are on the application i have tried to call them, one is disconnected and the other one, i just cant get an answer. someone anyone help me?
I get non stop automated calls from United Cash Loans for someone I have never heard of. It says for this individual to call an 800 number, I do to try to let them know they are calling the wrong number or someone else and to stop the calls.
They say "sure we'll take out your number from our system and not bother you again" but guess what, they don't. I've called several times to get them to stop calling me but they don't. I'm now recording every single instance they harass me with unwanted calles and will talk to a lawyer.
I took out a $3OO LOAN from United Cash Loans online and the agreed payment that I have been paying for 4 months was $90 that they automatically take out of my checking account. Well I went into my checking account to balance it (like I always do once a week) and here is a withdrawl from them for $50 AND then another one for $90. I contacted them and they said the $360.00 THUSFAR paid by myself was for fees and now the $140 PAYMENT they will be taking out is for interest and payment on the $300. When they get done I will have paid almost a $1000.00 for a $300 loan. They need to be shut down permanently... I contacted them and told them I am on a limited income (I am on disability Social Security and am 54 and partially paralyzed) and their response was : TOUGH you should have thought about it before taking the loan I told them I wasnt told anything about a loan payment going up usally it goes down sometimes when you get close to having it paid off. they threatened me with a lawsuit etc.
I took out a $300.00 loan in November 2009. I just noticed on my banking statements 9/30/2010, that UNITED CASH LOANS is still removing money from my account. I called them to question what is going on and was told "Oh you no longer have an account with us, you just made your last payment on 9/24/2010". Every month for 10 month's they removed $50.00 and a separate $15.00 . This totals $650.00. My interest was $350.00 to repay a $300.00 loan. BEWARE!!
Hello again. I just submitted a "complaint" against united cash loans, (see fraud) I am also banned from their web-site. Now if that isn't an admission of guilt what is? Forwarded it to the state attorneys office...
Back in march 2009, I had to use united cash loans in the tune of $150.00. It is now october and I just paid it off. They are the worst. I have contacted the state attorney's office in my state and they are working with me to stop them and there affiliates. I had to contact my bank and change my info.
This morning 10/06-2009, I received an email from some group I never heard of offering me $200.00 no questions asked. (how ironic) I then turned arouund and called our state attorneys office, because they warned me what to expect. They are on it!!!
Please, change your banking information and contact the state attorney's office in your state. Justice will be done!!!
Everyone please if you need a cash advance loan, call in person and fax the info.. Please place nothing on line, they cross sell your info and I was commited to this company just for filling out the information on line for a loan. They stated that I should have read the fine print but in no where did it state that I was gonna pay $19.63 a month for 777save.com a website to save on purchases. So even if your approved or not approved for the loan, they still have your checking info and they send it to this company. Who never picks up the phone. So please dont make loans cause they send your banking info to other companys and they get you with the fine print crap.
United does not place a physical address, nor does the company website 777save.com
Poor customer service.
Signed upset overdrawn and fustrated!
This is the god hones truth! This is not bogus. Thanks!
The company called regarding an outstanding debt in December 0f 2007. Prior to the calls from the company, a third-party collections company contacted me in July 2007 regarding the debt. I made arrangements with the third-party collections company and had a zero balance with them. Six months later, United Cash Loans began calling requesting payment for the same debt again. I requested two pieces of information from them, 1: a letter verifying the debt and 2: to contact me in writing only. After speaking to several representatives and supervisors, the calls stopped around April of 2008.
In November of 2008, I began to receive calls from the company again. However, this time, the customer service representatives call me between 7 and 8 am. I inform them each time that they are calling outside the regulated call hours, and they call me a liar and say that if I pay the debt, they will stop calling, and that my refusal to address the debt will result in additional calls.
It is now January 2009, I have spoken to multiple supervisors at the company, and today after frustration (as they called at 7:09 am) I decided to file a complaint with the FTC. I don't know if it will stop the calls, but I figured, I have given them ample opportunities to address both the debt that has already been collected as well as the calls at 7:00 am.
I see there are multiple complaints about this company, but I thought I should add this as well.
Of course Christmas resulted in a bit of financial hardship for me, I wanted a cash advance to get me through until next payday, I filled out an application online and before the approval I found all of the postings on this website and decided to cancel my loan.
I attempted to contact the company during their business hours but only received a recorded message telling me that their office was closed. I emailed twice asking them to cancel my loan request as it was still in the pending status. I emailed them the third time telling them to cancel my loan request and to cease and desist with putting funds or taking funds from my account as I have not received any funds as of yet.
I contacted my bank and will close my account and open a new one so that I will not receive any funds from this company and they will no longer have my account information. I do worry that they have my social security number. I hope that I have caught this soon enough!! If I don't receive the loan, then this should just fall to the wayside.
If anyone has any guidance for me to reassure me I am taking the right steps here, please please let me know.
I took out a $300 loan to help pay for my son's birthday party in September of 2008. I agreed to he...
I took a loan out in May 2008 for 200.00. I agreed to the payments and followed through with them as scheduled. In August 2008 I was informed they were illegal lenders in Maine an had a cease and desist order in effect from 2007.
I contacted the state and they told me I legally only had to repay the 200.00 I borrowed. When I went through mystatments I saw I had repaid and then some. The online contract was void because Maine law has presidense over contracts signed by Maine consumers who actually live in Maine.
I sent a cease and desist order and revoked my ACH approval, and placed an ACH block on my account and the next week they took out a paper check for 320.00, the amount they claimed I owed still.
I reported them again to the state and they told me to ignore them. The loan is illegal in Maine and even if they tried to sue, it would be thrown out since in Maine they have to be a licensed lender and they are not. The state has sent them several letters on my behalf with the law and telling to pay me back what they owe but the letters are refused by the company and returned.
This company is not licensed to lend in most states.
I submitted a loan application in october of 2007, they withdrew from my account every 2 weeks, balance was paid off and all of a sudden... I had more withdrawals taken out without a new loan... I am still paying on my loan... I finally had the bank stop those withdrawals and put out an alert anytime they tried to withdrawal from my account... I will never loan again online, they took 300. Oo out of my account, I hope they don't get away with this. Someone stop them!