Report: #207008

Complaint Review: Unitedcashloan

  • Submitted: Sun, August 20, 2006
  • Updated: Tue, August 29, 2006
  • Reported By: GreenRiver Utah
  • Unitedcashloan

Unitedcashloan ripoff Internet

*Consumer Suggestion: United Cash Loans

Show customers why they should trust your business over your competitors...

I too needed a cash advance I received a e-mail for there payday loan. I just needed $200.00 to help out. It got to the point the first payment was a payment for $60.00 that is for your extentions and everytime you get a extentions you have to pay $60.00 I set this up to be paid off in full in Sept. so far the $60.00 has been taken out 5 times and now they are hitting my checking account every 2 weeks.

I have decided to close out my bank account and have them get ahold of me. since they won't talk to me and they keep taking money out I will have alot of checks bouncing because of this. So I will go to the bank and close my account out

GreenRiver, Utah
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This report was posted on Ripoff Report on 08/20/2006 11:43 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

United Cash Loans

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

Don't close your account if you can help it. Yes they are a rip. They disguise themselves as a loan agency that can help you with your credit issues. I'm thinking about suing them for false advertising.

They charge as high as 290% interest on 300.00. How it works is the contract never discloses when the due dates are from when you get the loan.

And they {assume you know the payment is due every two weeks, but again they don't give you any information about when the due dates are so you can pay them.

This is part of how they keep your bank account hostage. I read the entire contract, and I threatened to sue them for breach of contract where they say they will issue you a new statement and a due date after each payment.

I emailed them once, and they said they needed more information. Then I sent it back and they never answered me. So I called them, and then they claimed there was an issue with emailing the statement {your firewall or cookie enabler might be on}.

I know about system firewalls, there's no such thing as a firewall for your email that would stop you from getting an email. You can block a sender, but there's no such thing as the bogus excuse they gave.

Once I let them know I wasn't going for their excuse and threatened to sue them, an email statement poped up {what a surprise}.

You might want to check that they are taking out the principle now. They are supposed to automatically take 50.00 off the loan each due date after the fourth renewal.

Make them send the statement to an email address you know you can recieve an email from. After you get it I suggest you pay the balance off ASAP.

Banks don't charge what they charge for a cash advance. I called them and made them give me a mailing address to send payments. I lied and told them I didn't have access to a fax, and that I would need an address in case a fax wasn't accessible.

They gave me a P.O. Box, and said I'd still have to contact them to assure they got my payment. Now this last part is the most secure way I know of to get rid of them.

Make your payments {in addition to the one their already going to take automatically}. Get a money order, and mail it next day with a receipt so you know they got it.

You are supposed to be able to call them after you mail it and they recieve it, to get your true balance. Once you know they've recieved it call them that day {several times}, and everyday until they send you a new statement with the true balance.

When you're down to your last payment make sure you keep the last statement. Next day them the final payment, and call them everyday all day whenever you get a chance until they tell you they posted the payment.

Make sure with the person on the phone that you verify the last statement balance, and that you made the final payment. And make sure they take that hold off your account ASAP. After they say they have recieved the last payment immediately have your bank cancel any future withdrawals.

And arrange with the bank to cancel any potential withdrawals by check from your account. Finally after you have verified with them that the last payment was made, and no further payments are pending of any kind, make them fax you this information ASAP.

If they say the can't request that they send it out immediately and let them know you will be contacting them everyday until you recieve this information {and follow through}.

What a lot of people don't do is hassle these people like they hassle us to pay them. This is one way you can turn the tables on them. Afterward I would suggest if you had to get a cash advance that you get one from your bank.

And in the future if I were you I would steer clear of so called cash loan operations. They are really aren't charging you based on your credit history like they say.

They're scamming people by over charging for a small amount of money under the guise of helping you out. But how are they helping you if it cost you ten times what they gave you?

Good luck
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