- Report: #1026658
Complaint Review: Cash Call
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| Cash Call P.O. Box 660007
Anaheim, California United States of America |
|
Cash Call I feel like I am being ripped off,Ipaid my loan off and they say I owe the same amount for interesest it's crazy and breaking me cant understand the concept of this loan it seems like I will never pay Anaheim, California
*General Comment: It Is Helpful
*General Comment: PETER AND ROBERT, not helpfull
*Consumer Comment: Educate yourself protect yourself.
*Consumer Comment: You left out a few details.
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To whom this may concern: I got a loan from cashcall,about one year ago. I have paid them off, and they still want the same amount of what my payment was when I was paying them for the loan each month. I feel like I am getting really ripped off by them. They say it's interest on the loan,but how can ur loan be a certain amount and your interest is exactly the same amount when you have paid the loan off.
This company is a ripp off for money can't understand how they can be in bussiness. I have tried everything to ask them why and how can interest be the same amount as your payment was, but they have no answer. I had to leave my job and am disabled now,have tried to discuss this with them but they just want want money,I feel I wont ever pay them off. This has put alot of stress on me and dont really know what to do,can you please please help.
This company is a ripp off for money can't understand how they can be in bussiness. I have tried everything to ask them why and how can interest be the same amount as your payment was, but they have no answer. I had to leave my job and am disabled now,have tried to discuss this with them but they just want want money,I feel I wont ever pay them off. This has put alot of stress on me and dont really know what to do,can you please please help.
This report was posted on Ripoff Report on 03/10/2013 06:50 PM and is a permanent record located here: http://www.ripoffreport.com/r/Cash-Call/Anaheim-California-92816/Cash-Call-I-feel-like-I-am-being-ripped-offIpaid-my-loan-off-and-they-say-I-owe-the-same-1026658. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Bubba Lee, the information above is helpful - or it can be if taken seriously. Cash Call is a payday loan/cash advance company that charges extremely high interest rates on loan - by their own admission. If Pam signed up for these terms, then she is legally bound to fulfill them. These lessons are hard to learn.
In today's world, everyone is a victim. Everything that happens to us is someone else's fault. But we make our own choices in this life. And it is up to us to be responsible, informed consumers - read the terms of the contracts we sign, take responsibility for fulfilling the obligations we made, and learn lessons from our mistakes or misjudgments.
Everyone makes mistakes and errors in judgment. But we can either learn from it and move on, or we can call ourselves victims and refuse to deal with it at all. I choose the former.
In today's world, everyone is a victim. Everything that happens to us is someone else's fault. But we make our own choices in this life. And it is up to us to be responsible, informed consumers - read the terms of the contracts we sign, take responsibility for fulfilling the obligations we made, and learn lessons from our mistakes or misjudgments.
Everyone makes mistakes and errors in judgment. But we can either learn from it and move on, or we can call ourselves victims and refuse to deal with it at all. I choose the former.
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What's this? #2 General Comment
PETER AND ROBERT, not helpfull
AUTHOR: Bubba Lee - (Canada)
SUBMITTED: Monday, March 11, 2013
Nice lecture Pete and Bob.
As to a useful way to move forward:
All US states and Canadian Provinces have a referral service for credit counseling, The US federal government maintains a list also. Usually easy to find by searching using your state name and credit counseling. Click on the one that says it is your state government. This should get you a list of people that can help you and whether they will charge you or not.
Find a Non Profit credit councilor and have them review your situation and help you negotiate your way out of this mess.
Good Luck
As to a useful way to move forward:
All US states and Canadian Provinces have a referral service for credit counseling, The US federal government maintains a list also. Usually easy to find by searching using your state name and credit counseling. Click on the one that says it is your state government. This should get you a list of people that can help you and whether they will charge you or not.
Find a Non Profit credit councilor and have them review your situation and help you negotiate your way out of this mess.
Good Luck
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What's this? #3 Consumer Comment
Educate yourself protect yourself.
AUTHOR: Peter - (U.S.A.)
SUBMITTED: Sunday, March 10, 2013
Cash Call's own web sight says they have APRs as high as 184.36%. All you have been paying is interest. This why your loan balance hasn't changed. You get better rates from the mob and better service too probably.
Of course this is all spelled out in the terms and conditions. You did read the terms and conditions right? When you electronically sign a legal document you have you have to READ everything. Because high payments at crippling interest is exactly what your signed up for.
You have to be learn to be an educated consumer this is especially important since your disabled and unemployed. You have to protect your money no matter how little you have.
Of course this is all spelled out in the terms and conditions. You did read the terms and conditions right? When you electronically sign a legal document you have you have to READ everything. Because high payments at crippling interest is exactly what your signed up for.
You have to be learn to be an educated consumer this is especially important since your disabled and unemployed. You have to protect your money no matter how little you have.
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What's this? #4 Consumer Comment
You left out a few details.
AUTHOR: Robert - (U.S.A.)
SUBMITTED: Sunday, March 10, 2013
I have paid them off
- It is impossible to pay off the loan and still owe money, those terms are mutually exclusive of each other. So I doubt you paid off the loan, most likely you have made payments totaling the amount you borrowed. That is NOT the same thing.
I had to leave my job and am disabled now,have tried to discuss this with them but they just want want money
- Sounds like you may have missed a few payments. If you got one of the payday loans those have a term of just under 4 years at 47 months. Since this is a high simple interest loan, you are paying quite a bit of interest in the beginning of the loan. Where in the first year it is unlikely that your balance would go down very much. Also, since it is a high interest loan, even one late payment could increase the balance effectively wiping out several months of payments.
- It is impossible to pay off the loan and still owe money, those terms are mutually exclusive of each other. So I doubt you paid off the loan, most likely you have made payments totaling the amount you borrowed. That is NOT the same thing.
I had to leave my job and am disabled now,have tried to discuss this with them but they just want want money
- Sounds like you may have missed a few payments. If you got one of the payday loans those have a term of just under 4 years at 47 months. Since this is a high simple interest loan, you are paying quite a bit of interest in the beginning of the loan. Where in the first year it is unlikely that your balance would go down very much. Also, since it is a high interest loan, even one late payment could increase the balance effectively wiping out several months of payments.
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