Cash Call RIP-OFF ARTISTS Anaheim California

You know jim, I have read several of your responses to people. And...you know what? You are just a BIG jerk! Now, I am no longer going to entertain another debate of yours, with a response. What happened has happened, (you've read other complaints, and stated that they have done the same thing) and it is over. Sad? Perhaps, but I hope you NEVER have a situation where you need help of some sort. But then again, of course that won't happen to you, because you are high and almighty, right? Seriously, you are pathetic!

I suspect that CC backed down for Cari because had she actually consulted with an attorney, she would have been advised that CC was violating a California statute called "The Rosenthal Fair Debt Collection Practices Act."

This CA statute basically applies the restrictions imposed by the Federal FDCPA upon CREDITORS in the State of California and also applies the civil penalties of the FDCPA for violations upon creditors.

I suspect that CC knew that had Cari retained an attorney and sued CC for violation the Rosenthal FDCPA, the court very likely would have called it a wash - the amortized amount of the loan that Cari still owed on the loan would have been offset by the court's award to her for violations of the Rosenthal FDCPA.

You do so well all by yourself. My only fascination with Cash Call victims is the never ending, "gee, this wasn't my fault." Well, it was and it is with everyone who borrows money from them and then complains about their tactics. You didn't ask even the simplest question regarding the loan, didn't care about an interest rate, and then when you run into trouble, you come here to complain. Don't worry though, you share much in common with the other victims. You all sound like a choir, singing the same tune over and over.

If you had come here first and saw the complaints, you would never had gone there in the first place. See, that's just more evidence you didn't invest in a moment of due diligence on your loan; you were more interested in the money. None of your subsequent responses points out anything different; it's the same old tired "not my fault" with an occasional (also tired) attempt at justification, along with the occasional attack. The fault for all of this lies in a mirror. Take a long look and you'll see very clearly whose fault it was.

Am I really fascinated? No. Am I surprised? Not really. It's just sad.

The truth is, I did not ever contact a lawyer within this regard. I DID, however, make a statement in my letters to cash call, that if they chose to continue to harass me, via phone calls & e-mails, (I never could get them to give me ANYTHING in writing- which speaks in volumes about what kind of a business they are running) that I would have to seek an attorney's advice in this matter. As far as the word "duress" the correct definition of this is: use of force, compulsion, imprisonment, confinement. Did I feel any of those? Yes, I suppose at the time, I did. I felt like no matter what I did or said, that I was not going to be able to get out from beneath it. Don't get me wrong, I take full responsibility for my actions. I wish to personally apologize to you as well. I believe I let my emotions get the best of me. I have read several other responses to statements in here, and although many are supportive and give out advice, there are many that are demeaning, and not necessary. You know the law much better than I do, and I suppose you have had to deal with some "seedy" clients in your career, and I am not challenging your knowledge. I do appreciate your input into this, some of it has been helpful, and wish you the best of luck in your career.

I believe I stated that I believed your situation was unfortunate in my first post. I perhaps articulated my thoughts ineffectively, for which I will apologize. My initial thought was that was an attorney tried to make a case for duress. Interesting tactic as it can be hard to argue but can nullify a contract. I really was just curious and thought maybe if an attorney had offered that as a defense that I would learn what the defense was in detail. I like legal arguments and debates. Contract law can produce some creative arguments as the more black and white the area of law, the more creative the arguments have to be. I certainly didn't mean to offend you.

I also feel that yes, this site is here for consumers to sound off and expose bad businesses. But there are also members who want to discuss posts, discuss facts, give advice, bounce ideas off each other, or educate others because of something they read. I don't think those people should have opinions that are considered lesser than any other member's. Are there some members who seem to only want to pick fights? Sure.

So, again, I apologize if I offended you or made you upset. That really wasn't my intention.

Look, YOU were the one who thought it was such an issue to bring up the fact that YOU thought that I was not under "duress". I'm just stating facts. This actually occured, and whether you wish to hold that fact as actual, unimportant, or as completely false, is upon you. I realize that you are a paralegal, and I do not "presume" to know anything about what you do on a daily basis. The truth of the matter is this: I never even HAD to contact an attorney on this, they decided soley on their OWN. And...if I choose to be defensive, then I feel I have a right to. You people come in here with all of your legal "mumbo jumbo" and personally attack people, and that is just not right. Like others have written in here before, this is not a forum where you can rip apart a person's integrity. Yes, we made BIG mistakes, and let's hope that the majority of us have learned from this! This is a place, where, in my case, I decided to tell my story, in hope's that others would come in here, and read what this company does to people, and choose not to even consider a loan from these crooks! Unfortunately, I was in a situation where I needed financial support, and I did not do my homework prior to taking a loan with cash call. That is not like me, I always,(at least now) do my homework prior to doing ANYTHING anymore. Now, I have paid my dues on this one bigtime, because I failed to do the smart thing. You have to realize, that many people do things that are not intelligent everyday, but that does not mean that others can come in here and criticize them for making those mistakes. They are the one's who ultimately have to pay, not you, or the hundreds of others that have not given good advice, just criticizm and judgement. I'm done rambling.

When did I call you a liar? I deal with attorneys, creditors, and clients all day. I hear all types of defenses and arguments. Just because I disagree with a person's legal argument or believe it to be unreasonable or downright wrong doesn't mean I'm calling someone a liar. You really shouldn't be so defensive.

And he/she asked if you were under duress because their phone calls are recorded. Creditors these days are bound by very specific rules and while many prefer to settle for a fraction of what is owed, a large number are becoming more and more litigious. Legally recorded phone calls are valuable when it comes to discovery.

Apparently, you did not completely read throughout my whole debate. In it I stated that only after I "threatened" to hire an attorney, did they back off. And...here's the REAL kicker: When I had yet made the agreement to accept the settlement offer, the representative asked me as we were going over the terms, if I was under DURESS. This may be a term that creditors, or you legal eagles don't accept , but why would the representative ask me that? And as far as legal counsel being FREE? Come on, who are YOU kidding. Yes, I DID my homework prior to reaching the settlement point. Look, I respect your opinion, I just don't appreciate being called a liar. It was a situation that I should have never, ever gotten into, but, I did. It's over now, and that't the end of it.

How is being threatened with a lawsuit after not fulfilling a contract and agreeing to new terms "duress"? I didn't read where they put a gun to your head. Debt collectors are allowed to threaten court if they truly intend to go that route. I think the entire situation is unfortunate but I question whether you or your attorney decided that you were under duress when, sorry, by definition you were clearly not. Being stressed out or worried about financial is not duress- you had options and didn't need to agree to new terms on an existing contract. I probably would have suggested an attorney much earlier in your situation. I'm not saying it would have been a simpler process or even affordable but you were already in a situation that was beyond your financial means. There are plenty of legal representation and advice routes to go, from expensive to free.

I deal with creditors constantly and I'm not defending them as they're the opposition, but I respect the law and they're allowed a certain amount of aggressive pursuit of their clients' money.

I have seen the CASH CALL Commercials on TV and I know for a fact because I have seen it clearly stated in all the TV Commercials - 98% interest.

Its never been a secret and they are required by law to disclose that information.

To the OP - I understand about falling on hard times - it does happen. However regardless of the circumstances that resulted in getting the loan with them - you and only you are still responsible to YOURSELF to make sure YOU ALWAYS KNOW AND UNDERSTAND WHAT YOU ARE AGREEING TO.

Look, I said that I did not sign any documents, then, I did not sign them. You don't have to believe it, but that's just they way it happened. I fail to believe that as you say, maybe 50% of the people in here are saying the same thing. The bottom line is this: Cash Call is a joke. They get you to believe that what they are saying is true, but yet it is a huge hoax. Perhaps I did not want to truly know the interest rate, but none the less, that is upon me. And believe me, I have learned my lesson on this one. I am still perplexed as to why you are so interested in making me look bad? It's rather creepy, if you ask me. You don't know me, and , have no interest in knowing me. So I ask you Jim, what's the fasination with my particular case? I can tell you this for sure: I will NEVER fall prey to a company like Cash Call again. Now, what's done is done, and I am ready to put it to rest. It's all water under the bridge. I was just giving out information to those others who this has happened to , and to one's who may be thinking about taking out a loan with Cash Call, and read all of this, and don't.

The best way to stop a business like this is never to darken their doorway. They can't make money if you never get anything from them. However, your complaint that you never saw the interest rate is false - I've seen the document people sign. The rate is on it and it's also on the website for those that apply for a loan via the internet. So don't even come here and claim you didn't know - you either didn't care about the interest rate when you got the loan or didn't want to know. For those that do complain here - it's about 50-50 - and the fact that almost 300 people complain about the company means little because if you complain about an interest rate you agreed to in writing, then it's tough for many to sympathize.

Moreover, your claim regarding the number of people complaining is sort of like the thousands of people who complain about the way banks charge overdraft fees and they rack up hundreds and even thousands in NSF fees - does that mean the banks are at fault? In 99+% of the cases, the answer is NO. It means people can't manage their money. Does it make their complaints legit? No. Yet, their complaints are documented here and the number of complaints about banks are often cited as proof of a problem by people. It's an incorrect conclusion using faulty logic to bolster their case, and you're using that same logic to document a claim here. The quanity is irrelevant - the content of the complaint is.

As I said, the advice still stands.

Youv'e been a busy boy, Jim. I've seen where youv'e read some other comments in here, where people have made the SAME mistakes as I have. AND....you did not SLAM them like you have me. Why is that, Jim? Do you have a personal issue with my complaint against Cash Call? What is the REAL issue here? Was I irresponsible? Probably, but so were 295 OTHER people as well!

Jim, I am not asking for a pardon here. However, your comment on me "knowingly" signing documents for a loan that had a 99% interest rate, is completely ludacris. Yes Jim, you are wrong here. I do care about my financial well being, and I did this loan over the phone by an individual who was "extremely" convincing, and quoted me an interest rate of 25% on the loan. Yes, even that is high, but it is a far cry from 99%. If you would take the time to actually read what some of the others have to say about their experience(s) with this loan shark of a company, you too would see that some of them had been quoted 25% interest rates on this loan as well. I do not have to justify what I do to you, or anyone else that chooses to particapte in this forum. Your advice is not only not helpful, but belittling. I hope it makes you feel like a "big" person for doing that to someone you neither know, nor care about. You can be all happy about your advise. But as that advise applies to me, it is crap, crap, crap. What....do you, or did you once actually work for this company? If you did, I strongly question your ethics. Or...you may be an attorney or legal assistant of some sort, but honestly, I would not take your advise based upon the response I received from you. I personally think that maybe you should conentrate on yourself more, and not be so eager to "belittle" others with your nonsense. Please, read on, there are another 295 comments in here about others who have been "screwed" over by this so called company! Everyone has a right to their opinion, yes. But you and HereIAm went overboard.

Are you kidding. You believe for a moment that because you got a settlement and a refund from Cash Call that you somehow thought that was brilliant? Cari, what sane person takes a loan without even asking for the interest rate on the loan, never mind someone who, like yourself, was uninterested in the rate? You took a loan at a rate of 99% and we should all be proud of you for getting back at Cash Call? Getting into a financial bind is one thing. Not caring about your financial situation is quite another.

Yes, paying over $4000 on a $2600 loan is a lesson we should all learn not to do. The advice I gave still stands.

1) Never do business with any company that has Gary Coleman as their spokesperson
2) If a debt collectors lips are moving, assume that they are lying
3) If someone from CashCall makes a promise to you over the phone about a settlement, assume they are lying
4) Any promise about a settlement that is not backed up in writing BEFORE you pay them is worthless

To "HereIAm" in Westminster Ca: My financial situation is NONE OF YOUR BUSINESS!
And....Cash Call did not "repeatedly" try to help. The only thing that they "repeatedly" did was to call and threaten a lawsuit. Perhaps people like you should take a good, long HARD LOOK at yourselves before commenting on something that you know absolutely NOTHING about! You are obviously in here for SOME reason. By the way: I received a letter from Cash Call, from Elissa Chavez in their, (cash call's) compliance department, not only stating that my loan was "paid in full", (they have also corrected my credit report, to reflect "paid off".) and that they took care of my credit report as well. I know they did, because I have checked it since receiving the letter. They also went on to apologize to me for personally causing me undo problems. So...not only did I NOT have to deal with an attorney, my loan is "paid in full'. And...I also received a refund check for (undisclosed amount) for an "overpayment" on my account. So I ask you, who's the moron now?!!

To Jim in Anaheim Ca; No was said that YOU personally were full of crap. It appears that you by some, "miracle", have all of the answers? Oh, I did prevail, not only did I not have to hire an attorney, but read on above. I not only got a letter stating that my account was "paid in full" but I also got a refund check for overpayment on my account. So....what do you have to say about that, Jimbo?

To Tom in Parma-Ohio; All I have to say to you is, KUDOS, buddy! Thank you for being intelligent enough to realize that people do have problems, and that they at times, make bad choices, and accept loans from loan sharks!!

In Summary: I posted my story in here, soley because I hoped that it would keep someone else from making the same mistake that I did. I have noticed, that they are not advertising for cash loans, just home equity loans now. Hmmmm....don't you think that is more than just a conincidence? I do not appreciate being "attacked" personally by two individuals who know NOTHING about my situation, but feel "free" to judge me, and make idiotic remarks! There is only ONE person that is allowed to pass judgement upon me. And....if you are not aware of who that is, HereIamNow, or Jim in Anaheim, perhaps you are the ones who need to do some "soulsearching". And yes, you have both conveniently "pissed me off".

I have been reading these reports and the wa you talk to people is CRAP! I am surprised that the editor allows your comments to be posted. First of all, no one is a FAILURE IN LIFE just because they fall on hard times! Look at our economic situation! Do you know how many people are LAID OFF? My point is that anyone INCLUDING YOU can hfall on hard times. Don't criticize someone for going to places like Cash Call to get a loan. I don't like the company but I am not gonna belittle someone because they made a bad choice. I fell on hard times a few yrs ago annd took out a loan with Cash Call. I paid off my loan and will never borrow from them again. If your belittling continues, I will report you to the Editor. After all, a rebuttal is to help people find solutions to their particular situation or give them facts in the hopes that they won't fall prey to companies like this again. HAVE A NICE DAY HEREIAM!

Legally, that statement you made is 100% correct. Under the law, they disclose the interest rate either over the phone or in small type on the form you signed when you got the loan. It's disclosed everywhere. BTW - I'm not full of crap, but then I'm not the one with a loan from Cash Call......

I won't say that they're right for what they're doing; that is a subjective term that really has no application here. I wouldn't even bother with any more payment plans. Get a bottom line as to what it will take to make this go away, find some friends who you can borrow money from, and pay off the loan. They nailed you and you have nowhere left to go on this.

Legally, that statement you made is 100% correct. Under the law, they disclose the interest rate either over the phone or in small type on the form you signed when you got the loan. It's disclosed everywhere. BTW - I'm not full of crap, but then I'm not the one with a loan from Cash Call......

I won't say that they're right for what they're doing; that is a subjective term that really has no application here. I wouldn't even bother with any more payment plans. Get a bottom line as to what it will take to make this go away, find some friends who you can borrow money from, and pay off the loan. They nailed you and you have nowhere left to go on this.

Legally, that statement you made is 100% correct. Under the law, they disclose the interest rate either over the phone or in small type on the form you signed when you got the loan. It's disclosed everywhere. BTW - I'm not full of crap, but then I'm not the one with a loan from Cash Call......

I won't say that they're right for what they're doing; that is a subjective term that really has no application here. I wouldn't even bother with any more payment plans. Get a bottom line as to what it will take to make this go away, find some friends who you can borrow money from, and pay off the loan. They nailed you and you have nowhere left to go on this.

Legally, that statement you made is 100% correct. Under the law, they disclose the interest rate either over the phone or in small type on the form you signed when you got the loan. It's disclosed everywhere. BTW - I'm not full of crap, but then I'm not the one with a loan from Cash Call......

I won't say that they're right for what they're doing; that is a subjective term that really has no application here. I wouldn't even bother with any more payment plans. Get a bottom line as to what it will take to make this go away, find some friends who you can borrow money from, and pay off the loan. They nailed you and you have nowhere left to go on this.

could be better spent figuring out how to stop having "financial hardships."

Do some soul searching. Maybe you could go back to school...God knows, you need it. Or, maybe you could get a second job and save a little money instead of looking for get rich quick schemes like cash call. Maybe, you shouldn't even be allowed to use services such as this, since only a moron would take out a loan without reviewing the loan documents. Maybe, it's just time to admit to yourself that you have failed at life. I mean, you have no idea what is going on with your loan. And, you absolutely refuse to take personal responsibility for your actions. It appears as if this company tried to work with you repeatedly, and yet, every time, you reneged on the terms.

I'm dying to know...what was your financial hardship?