#1 Consumer Comment
AUTHOR: Theresa - Garden Grove, (U.S.A.)
SUBMITTED: Tuesday, July 25, 2006
POSTED: Tuesday, July 25, 2006
GARNISHMENT IS ALLOWED IN CALIFORNIA UP TO 25% OF YOUR GROSS SALARY. AND SINCE YOUR ON DISABILITY THEY WON'T HAVE TOO MUCH. FRANKLY I LIKE TO SEE HOW MANY PEOPLE THEY HAVE TAKEM TO COURT AND WON. THE LOAN SHARKS AND ILLEGAL TACTICS THAT THEY DO YOU CAN COUNTER SUE THEM FOR NEGLIGENCE AND HARASSMENT ALONG WITH EMOTIONAL DISTRESS. AND THEN WE CAN SEE FROM A JUSGE IF WHAT THERE DOING IS LEGAL. I WONDER SOMETIMES
#2 Consumer Comment
AUTHOR: David - VENTURA (U.S.A.)
SUBMITTED: Friday, August 04, 2006
POSTED: Friday, August 04, 2006
I also get Social Security and a Pension. I have direct deposit into my bank account. It can't be garnished. Don't let anyone pressure you in thinking that it can.
#3 Employee
AUTHOR: Jamie - Fountain Valley (U.S.A.)
SUBMITTED: Saturday, January 13, 2007
POSTED: Saturday, January 13, 2007
CashCall will take you to court and they can garnish your wages. What I think people are failing to see is that, for one thing, when you present your case in front of a judge they want to hear facts. The fact is, you did sign a contract, the money was deposited into your account and I think I'd be safe to assume that you did use the money. I can assure you that CashCall WILL win in court. I can also assure you that once a judgment is entered, we are more than willing to work out an in-house payment arrangement that is completely within reason, as far as the amount of monthly payments. A garnishment will only happen if you fail to follow through with the agreement. CashCall is far more flexible than you give them credit for. Try communicating instead of avoiding. If you have problems with a collector, ask to speak to another one until you talk to someone that you feel is willing to work with you. Different personalities work with diferent people. try it.
#4 Consumer Comment
AUTHOR: John - Califon (U.S.A.)
SUBMITTED: Saturday, January 13, 2007
POSTED: Saturday, January 13, 2007
While I have somewhat agreed with what you have posted thus far, this statement is just utter bullshit.
"If you have problems with a collector, ask to speak to another one until you talk to someone that you feel is willing to work with you. Different personalities work with diferent people."
What the hell does that even mean? People are not "working with" anyone because you don't want to-plain and simple. If it were true, your company would have no problem doing it all in writing via mail so there is documentation.
Has nothing to do with different personalities. It has to do with company policy. If you are allegedly so willing to "work with" someone after a judgment, then why not before? What's the difference?
#5 Consumer Suggestion
AUTHOR: Christine - Racine (U.S.A.)
SUBMITTED: Saturday, January 13, 2007
POSTED: Saturday, January 13, 2007
I'm not here to respond to the personal statements, only the facts. The facts are, you signed a contract, you defaulted on the contract, therefore, they can take you to court. I'm not saying it's right or wrong, but it is what it is. And no, I do not work for Cash Call or any other agency of that type. I personally think that these types of "loan" agencies prey on those who have poor credit by lending money without collateral and charging an outlandish rate of interest. However, once you sign the contract, you must abide by the terms of that contract, bad as they may be.
#6 Consumer Comment
AUTHOR: Theresa - Garden Grove, (U.S.A.)
SUBMITTED: Wednesday, January 31, 2007
POSTED: Wednesday, January 31, 2007
ABIDE BY THE CONTRACT IS A TWO WAY STREET. WHAT MAKE YOU THINK THAT IT IS ONLY THE CONSUMERS NOT ABIDING BY THE CONTRACT? DOES IT EVER OCCUR THAT THE LENDOR DOES NOT ABIDE BY THE CONTRACT ESPECIALLY FOLLOWING BANKING LENDOR RULES AND REGULATIONS. JUST ONE SLIP AND I'M SORE BY READING COMPLAINTS THEY TOO HAVE NOT FOLLOWED THE RULES THAT THEY MUST ABIDE. AND CASH CALL WINS IN COURT ONLY BECAUSE THE BORROWER DOES NOT RESPOND TO THE COMPLAINT. THE ONLY ONES THAT DID SO FAR THOSE WERE DISMISSED.
#7 Consumer Suggestion
AUTHOR: Theresa - Garden Grove, (U.S.A.)
SUBMITTED: Wednesday, January 31, 2007
POSTED: Wednesday, January 31, 2007
These complains I see need to be reported to the State Attorney General's office along with the department of corporations.
If someone is telling you that they can garnish your disability check is the kind of complaint that needs to be filed. Cash call does sue. they do it all the time. But they win with cases when the borrower does not respond.
These harassing phone calls that I hear about need to be recorded, even in writing writw down a log and who is talking to you what time it is. Send a letter certified letter telling them they are no longer to call you. The threats will diminish.
Everybody here needs to file a complaint with the State (attorney generals' office). the stories seem to be the same. And I can guarantee that Cash call does not follow the regulations in collection tactics, setting up contracts, deliverance of the contract, and also messing around with your bank account.
All of these stories need to be reported. And by the way, I only see 1 attorney on file with this company.
#8 Consumer Comment
AUTHOR: Ashlee - Sioux Fals (U.S.A.)
SUBMITTED: Sunday, February 25, 2007
POSTED: Monday, February 26, 2007
I also have a loan with your company, read ALL the rip off reports on this site and they are all basically the same thing, these people are nomt lying, you can even read my report. Oh yeah I am a collections manager and they cannot garnish SSI or Disability, so don't worry about it when they use these threats against you. And have you heard of the FDCPA, abide by them and if you don't know what they are then you should not be employed by this company, and they should not be in business. I could call 5 different times, ask the same question to the rep, call back and get a different answer EVERY time to the same question.
Why is that we have to request to speak to supervisors to get our matters taken care of. Do me a favor have your manager, thier Department Manager and hell maybe the President of the company read these reports on this site, have a meeting and take action againist those employees, that's what my company would do. Well my company would never have these issues or a report let alone hundreds filed against them. Good luck
#9 Consumer Comment
AUTHOR: Randy - North Reading (U.S.A.)
SUBMITTED: Tuesday, February 27, 2007
POSTED: Tuesday, February 27, 2007
A rep on the phone says that when they take you to court the judgement would be $10,000 on a $2600 loan. Can they do that? Can you get a judgement against you for future interest payments plus outrageous fees? Any advise or past dealing would be appreciated.
#10 Consumer Suggestion
AUTHOR: Theresa - Garden Grove, (U.S.A.)
SUBMITTED: Wednesday, March 21, 2007
POSTED: Thursday, March 22, 2007
ABSOLUTLY NOT! THIS IS WHY THEY WAIT UNTIL THE LAW ALLOWS THEM TO SUE. IN CALIFONRIA A SIGNED CONTRACT MUST BE ENFORCED WITHIN 4 YEARS. THEN IT TAKES A YEAR TO SETTLE SO THERE IS THE 5 YEARS IN INTEREST. BUT IF THEY TAKE YOU TO COURT IN 2 YEARS THEY CANNOT COLLECT INTEREST ON 5 YEARS. PAY THE PRINCIPLE OFF AND FIGHT IN COURT OVER THE INTEREST. LETS SEE HOW FAR THEY WANT TO FIGHT OVER THEIR INTEREST. AND REPORT THEM TO YOU STATE AND DEPARTMENT OF CORPORATIONS. ALSO, WRITE A CEASE AND DESIST LETTER, SEND IT CERTIFIED MAIL AND ORDER THEM TO STOP IMMEDIATLY THE PHONE CALLS AT YOUR WORK AND HOME. IF THEY CONITINUE EACH CALL IS A FINE ON CIVIL COURT. ATTORNEY'S LOVE THAT STUFF
#12 Consumer Suggestion
AUTHOR: Heide - Fresno (U.S.A.)
SUBMITTED: Friday, May 18, 2007
POSTED: Friday, May 18, 2007
I know I'm late here in this report, but I want to add my 2 cents.
No entity outside of the government, or government related business may garnish your wages with out taking you to court and getting a judge to agree to it. My point in saying that, is that it is a false statement of collection activity. Saying they are going to independantly garnish your wages is not permissable. Saying they will take you to court to compell a judge to order a garnishment would be correct. It is not permissable to collect any past due credit from a fixed income that is temporary. Again to say that to you is not legal.
Also the fair credit act forbids the use of tactics that are threatening or harassing in any way to the borrower, and making false statements of collection activities is also a crime. Which makes them lose law suits. You MUST get it documented somehow that they used illegal collection activities. You must also show that what they said was outside the scope of "reasonable".
That being said... If you read your contract, it states as clear as a bell that if you default in ANY way. Even one missed or late payment, that the entire balance is due and payable in full as of the original due date. They even go so far as to say if you file bankruptsy; that the amount owed on the account will be due and payable in full as of the date of filing even if you are not due to make a payment.
How do I know this? I am reading it now. It is my contract. I am one of you who has gone against my better judgement and received a loan. I am not having any issue paying this loan back monthly. I am however amazed that it's legal to charge 96% interest on any loan.
For those who say it's fully disclosed? It's not. They tell you that what you see is not an accurate amount. That it's based on a different figure. They tell you to ignore the sheet that says whatever percentage. Then after you sign the docs? They tell you that it IS accurate if you pay only the minimum payments. They then say something like "You can afford more payments right?" riiiight....
