Cash Call, Inc. Totaly ruined my credit and is taking over 200 dollers a month and paying pennies on my principal. Fountain Valley California

Candace,

First off, do not listen to the idiots here that are into the name calling, it is inappropriate and uncalled for.

Secondly, I went to small claims court with Cash Call and I can tell you it is a better deal. They will not work with you over the phone, they will only work with you in court.

Thirdly, this is for those who don't know the difference or actually knows what goes on in Court. There is only a "judgement" if you do NOT come to an agreement with the Cash Call Rep sent to court and the judge has to follow the contract. There is a "Judgement" if you DO come to an "agreement" and you skip out on paying the lowered monthly payments. I do not have a "judegment" against me because I came to an agreement with Cash Call and plan to pay this sooner rather than later! A Judgemernt is a more severe mark on your credit.

In addition, when you do go to court and settle with Cash Call, depending on how much you have sunk into the loan already (as in my case) your interest ceases and your monthly payments are drastically lowered. Its unfortunate that is has go all the way to court, but Cash Call's bully tactics are best over the phone and they are intentionally told not to work with you when you call to try and make arrangements.

If you go to court, settle with Cash Call and come to an agreement. As silly as it sounds, make the judge have the agreement in writing on the court document itsself. I did and although the judge giggled, he said "ok'. I further stated why to the judge, that I do not trust Cash Call under any circumstance even in court. He just laughed and said, "yes, but they, right next to you have been sworn in"

Good luck Candace and do not let the moody people here get to you! But do take some of the better advice....

Take Care Hun!
~D~

Ive never used these places and GOD willing I never will.

But......with that said.....

Do they not divulge the interest rate PRIOR to you signing the papers?
Did you not READ the freakin paperwork first?
Did you not SEE what the unreal interest rates on these types of loans are?
WHY in hell did you sign something agreeing to repay a loan with an interest rate that can and often does exceed 50%?

You cant take out these kinds of loans and then just decide one day that you dont like the interest rate or the repayment schedule. When you default on repayment and they have to call you...WHAT DID YOU EXPECT? That they'd just let it go.....figuring you're a nice person who went thru a tough time and that ends that?

Come on..........think about it.....if YOU loaned someone money.......had them sign an agreement and then they violated it.......wouldnt you STILL want AND expect to get your money back?

I dont agree with their tactics or the interest they charge....but then Im not the one who took the loan and SIGNED THE PAPERWORK AGREEING TO REPAY SAID MONEY with a phenomenal interest rate.

you did when you did not make your payment as agreed. That is what they do and you agreed to it when you signed the papers. Why would you borrow $2000 because your boyfriend lost his job? Why doesn't he pay it back? Unless you wise up you will have a hard life ahead.

you did when you did not make your payment as agreed. That is what they do and you agreed to it when you signed the papers. Why would you borrow $2000 because your boyfriend lost his job? Why doesn't he pay it back? Unless you wise up you will have a hard life ahead.

you did when you did not make your payment as agreed. That is what they do and you agreed to it when you signed the papers. Why would you borrow $2000 because your boyfriend lost his job? Why doesn't he pay it back? Unless you wise up you will have a hard life ahead.

you did when you did not make your payment as agreed. That is what they do and you agreed to it when you signed the papers. Why would you borrow $2000 because your boyfriend lost his job? Why doesn't he pay it back? Unless you wise up you will have a hard life ahead.

Sometimes it's actually better to default on CashCall and let them take you to court....a judgment would stop the usury interest rates they charge.