• Report: #310596

Complaint Review: Cash Call Inc.

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  • Submitted: Wed, February 20, 2008
  • Updated: Fri, March 06, 2009

  • Reported By:rancho cordova California
Cash Call Inc.
Fountain Valley Sacramento, California U.S.A.

Cash Call Inc. Was I right to request a contract??? Sacramento California

*Consumer Comment: I too- NEVER received any contracts from these people

*Consumer Comment: I didnt get a copy of my Contract either....

*Consumer Comment: Yes that is weird.

*Consumer Comment: Most people lose

*Author of original report: *UPDATE*

*Consumer Comment: Amazing

*Consumer Comment: Amazing

*Consumer Comment: Amazing

*Consumer Comment: Amazing

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I had been making payments on my account for almost two years. I didn't make one months payment, and they sent me a letter offering me a "settlement offer" for 30% off of what I owed. I took that offer and made my first payment on it the very next morning, which was October 29th. Then starting November 2nd I got phone calls all day long telling me my payment was late. This went on for over a week. Everytime I returned their call and informed them that I was on a settlement plan.
Then I started getting letters in the mail telling me I was late. I just ignored those, and then went and made my second payment of $275.41 on November 29th. Then again starting December 1st, I got another phone call telling me I was late. And this time it went on again for several days. Then I got a call from a real person who wanted to know when I would be making my next payment. I told her that my next payment wasn't even due till December 29th. She told me she knew that, but wanted to know what time I would be making it. I couldn't believe she was asking me this, so I told her on the 29th and hung up.

Then I started to wonder if there was really such a thing as a "settlement offer". So I wrote Cash Call a letter on December 16th. I told them that I questioned whether or not there was an actual settlement on my account. I also listed dates and times that I was receiving all of their calls, and emails, and letters. I even included copies of these in my letter to them. I told them that I was sick of this harrasment especially since I had been making all of the payments on time. I then told them that I would no longer be making any payments to them untill I received something stating that I was infact on a payment plan, and that my account would be paid off on March 29th 2008, with nothing owing to them. I stated that I didn't care if they mailed, faxed or emailed me a new contract or a letter simply stating that I was on a settlement offer. And I stated that if I got this, that I would infact make my December 29th payment as expected. I also sent this letter out certified return receipt, and yes they did sign for it.
But I never got a letter or a copy of the updated contract. And I have never heard another word from Cash Call. They never called me, I haven't gotten any letters, and no emails. So my questions is, was I in the correct state when I told them I wanted a copy of the new agreement? And if I was in the wrong.. where did they go?? I dont want to wake up one day and be served a summons. Could some one tell me if I was correct in asking for these documents. Any help would be greatly appreciated.

Cassandra
rancho cordova, California
U.S.A.

This report was posted on Ripoff Report on 02/20/2008 05:00 PM and is a permanent record located here: http://www.ripoffreport.com/r/Cash-Call-Inc/Sacramento-California-95670/Cash-Call-Inc-Was-I-right-to-request-a-contract-Sacramento-California-310596. 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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0Author 9Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

I too- NEVER received any contracts from these people

AUTHOR: Cari - (U.S.A.)

You know, these seems to me the M.O. for these ripoff artists. Because I made a settlement agreement with these people, paid the settlment amount off in full, and requested the "orginal" contract, and the "settlement" contract to be sent to me. It has been over a year. and....no contracts. After I had paid the full settlement off, they trid to say that the payments I had made didn't count! Yeah, right!! They are not getting another dime from me!
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#2 Consumer Comment

I didnt get a copy of my Contract either....

AUTHOR: Cynthia - (U.S.A.)

Just a few months after I took out a loan with cash call, I began to have terrible problems with them..mostly harrassment...eventually having to file a cease and desist letter with them.. at the peak of all the harrassment, I spoke to one of their representatives and requested a copy of the contract, because there was a discrepency over the amount of the interest I had been quoted over the phone...and they assured me it would be mailed...that was almost two years ago. to date still no copy of the contract or agreements..and no copy of the payment schedule...
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#3 Consumer Comment

Yes that is weird.

AUTHOR: B - (U.S.A.)

Cash Call is playing games. How can they serve you if they don't have the paper work in order? I think this is called sewer serving. Answer the summons and go to court and fight them., counter sue them! The fact is that they are on the ropes and they need people to pay or else they are going under.

good Luck keep us posted.
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#4 Consumer Comment

Most people lose

AUTHOR: Jim - (U.S.A.)

The reason you're being sued for more than the amount of the loan is because your loan amount is now over $1900. See, they hit you with 99% interest and when you add late fees, the payments you make don't even cover the interest.

I would consider trying to settle with them for the $1600 and call it the biggest mistake of your life dealing with Cash Call.
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#5 Author of original report

*UPDATE*

AUTHOR: Cassandra - (U.S.A.)

You are not going to believe this. But the morning after I wrote this report and posted it online, I was infact served at my office that Cash Call is taking me to small claims. The odd thing is that they are suing me for $1,900.00. But I think my original loan amount was only $1,600.00. I will have to pull up my original contract. I guess I was lucky in the fact that I sent out the letter to them certified return receipt, I do have the original signature card from them, and a copy of that letter along with another letter I sent them I believe it was January 16th. Hopefully when I show the Judge that I believe that I followed thru, hopefully he will have some mercy on me. Has anyone else had this happen to them? Someone on here said a while back that when Cash Call takes you to court they always lose. That cannot be possible especially for people who have never paid back a dime. My loan as far as I am concerned was paid off. I paid back every cent that I borrowed from these people, it is just there interest rates that kills everyone.

I am just curious if anyone has ever been in this position, and what happened with them. Oh yeah.. I almost forgot. Another thing that is very odd about my summons, is that it is my name and my phone number. But the address listed is not an address that I have ever lived at. I have always been in the Sacramento area, but this has some address on it for Murrieta. I don't even know where that is. And there is no social security number on there. Does that seem wierd to anybody else?
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#6 Consumer Comment

Amazing

AUTHOR: Vyctor - (U.S.A.)

With more and more people doing business over the internet people are getting too used to doing things without paperwork. It amazes me that people do so much business WITHOUT getting it in writing. You're never in the wrong asking for something in writing, especially in a business dealing. The fact is, if it isn't written, it doesn't exist. If it is a legitimate business deal they should have no problem providing you with a written agreement.

Not only should you ask for it, but insist on it.
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#7 Consumer Comment

Amazing

AUTHOR: Vyctor - (U.S.A.)

With more and more people doing business over the internet people are getting too used to doing things without paperwork. It amazes me that people do so much business WITHOUT getting it in writing. You're never in the wrong asking for something in writing, especially in a business dealing. The fact is, if it isn't written, it doesn't exist. If it is a legitimate business deal they should have no problem providing you with a written agreement.

Not only should you ask for it, but insist on it.
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#8 Consumer Comment

Amazing

AUTHOR: Vyctor - (U.S.A.)

With more and more people doing business over the internet people are getting too used to doing things without paperwork. It amazes me that people do so much business WITHOUT getting it in writing. You're never in the wrong asking for something in writing, especially in a business dealing. The fact is, if it isn't written, it doesn't exist. If it is a legitimate business deal they should have no problem providing you with a written agreement.

Not only should you ask for it, but insist on it.
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#9 Consumer Comment

Amazing

AUTHOR: Vyctor - (U.S.A.)

With more and more people doing business over the internet people are getting too used to doing things without paperwork. It amazes me that people do so much business WITHOUT getting it in writing. You're never in the wrong asking for something in writing, especially in a business dealing. The fact is, if it isn't written, it doesn't exist. If it is a legitimate business deal they should have no problem providing you with a written agreement.

Not only should you ask for it, but insist on it.
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