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Laura of Sunland CA (07/01/08)
I took out a payday loan with Cash Today back in 2005. In June of 2005 I started working with a debt management company because I had gotten in over my head and ended up with nine different payday loans that I couldn't pay back. To this day the only one that I have had a problem with is Cash Today. They have contacted me only 3 or 4 times in the last three years and every time I talked to them I gave them the information for my debt management company.
When I tried to get an address to send payments to, the refused to give me one and said they only accepted checking account information and I wasn't going to fall into that trap again. They also refused to accept partial payments, they only wanted payment if full. I was never told about any additional fees if I didn't pay. I have always tried to work this out with them. On Friday, June 27th, they left a message on my voicemail at work for the first time. They said I owed $269.00 and if I didn't contact them by 2:00pm my boss would be contacted to garnish my wages.
Now I know for a fact that they cannot garnish anyone's wages without a judgement from a court, so I'm not concerned about that. I contacted my debt managment company and gave them the name and number he left. They called me today, July 1st, to let me know that they spoke with someone at Cash Today and according to them I now owe $1,520.00. I told my debt managment company not to pay a penny over the original $269.00 I owed. None of the other payday loan companies charged anything over the amount of the original loan agreement. I also found out that they aren't licensed to do business in the state of California and have no right to collect this debt. I am filing a complaint with the BBB and the Attorney Generals office.
Refuse of Lanett AL (06/26/08)
I like many others took out a cash advance for $200 with Cash Today Ltd. They were polite at first and as long as they are sucking the life out of your checking acct. But after you realize that you are being taking for a ride or can no longer afford to pay the obscene interest on the loan they become rude, arrogant, insensitive, parasites. I filed bankruptcy while indebted to these loansharks, almost 2 years later they decide that my bankruptcy is no acceptable and resume collection efforts, threatening to send garnishment papers to my job. I kindly reminded them that I had filed bankruptcy in 2006 and that my debt with them had been resolved.
After much debate, I grew tired and advised them to contact my lawyer, even offering my case#. Needless to say they wanted no part of that information because that would mean they were not entitled to a dime! I ended the conversation with Mr. Johnson and told him to have a nice day. I was curious as to why all of a sudden they began calling again after two years and a bankruptcy. Well I called back to get an address for my lawyer and they would not give me one. My curiousity grew and I googled them. I found that I was only one of many caught up in this scam. DO NOT BE A VICTIM!
None because I will not be a victim!
Diana of West Des Moines IA (06/25/08)
I have told this person numerous times to not call me at work. These calls have been off and on for about a year. They threated to talk to my manager and have wages garnished or have me fired. They left a voice mail today and I once again called them back and told them that if they contacted me at work again I would contact a lawyer.
To continue harrassing anyone at work once they have been asked to stop is in violation of the Fair Collection Act. I have asked numerous times for verification of what is owed and for a physical address to send correspondence to. This person is very rude and uses various names Jack Davis or Jack Daniels are the two that have most recently contacted me. They will never give an address and tell me that I am not willing to pay back this debt. I have told them once everything has been verified I would go from there but payments would only be made by a cashiers check and will not come out of my account or from a CC. Any collection agency that I have dealt with has always been willing to accept cashiers checks and what ever arrangements I am able to make.
This has caused undue stress at work. I have told my HR department about this and they have told me to send the calls to them and they will tell them exactly what I have already told them.
Jabreela of Brandon FL (06/18/08)
This person called me today at work wanting me to transfer him to payroll department about I debt I owe from 2006. I dont remember the debt they have not contacted me about it and I was trying to find out more information on it. He wouldnt give me his number and he was really rude and yelling at me at my job. Now he keeps calling me back.
Karee of Las Vegas NV (05/08/08)
I received a call from a Mr. Davis stating that they had tried to contact me by email and by phone since 2005 for a payday loan I had taken out for $200.00. He yelled at me and told me that if I didn't pay the amount due, which he said was now up to $2600.00 due to fees added since 2005, that they would contact me Payroll Department and have them Garnish my wages. I told him I would pay the $200.00 that I borrowed, including the $79.00 interest payment, but he stated that that amount was no longer on the table. He stated that if I gave them a one-time payment of $1060.00, that would close out the account.
I asked for information about who I owed the money to and he again yelled at me to listen to what he was telling me. He demanded that I pay $300.00 a payperiod to pay back this loan. I explained to him that if I gave that much each week I would not be able to pay my rent or my car payment and I would be without a place to live and without a car to get to work. He then said that if I paid $200 a payperiod for 7 payperiods that would close out the account. I told him that would still cause me financial problems. He then stated that if I paid $100.00 a payperiod for the next 12 payperiods, then the loan would be paid off in full.
I was totally intimidated and eventually gave him my checking account number. I wish I had the foresight to go online and research this company before giving out my information. I plan to talk to my bank this very afternoon and change my account number.
The person I talked to was very rude and was yelling at me without letting me get a word in edge-wise. I am going to have to close my checking account and get a new account number issued and order new checks, which don't come free, and take 2 weeks to get mailed. I am very stressed out and can't concentrate on my work. Worried about this to the extent of stomach pains, dizziness, and headache.
Ana of New Bedford MA (05/05/08)
I took out a loan with this company and all of sudden over 2-3 yrs later, they insist that I still owe them money. My bank closed my account due to the high negative balance that I had, because they kept taking moneys from my account, and they have called me over 200 times if not more at work threatening me, harrassing me, and making my work day miserable. I am always afraid of them calling, because of the excessive phone calls, I will get fired, and I CANNOT afford to loose my job because of these people. The person that calls always changes his name, and it's puzzling to me how these people get away with it! They stated that I owe them over $4000 and then just last week it's down to just $480... Really weird!
This has caused tremendous stress here at work. All these phone calls made to me while at work, seeing patients, and being threatened and harrassed. They have even gone to lengths telling me that they will find me and take care of this loan... WHAT ON EARTH does that mean? They are truly rude. I need for them to stop calling me at work, and for a fact show me in writing exactly what the loan entitles, and how I've paid to date, and how much I still owe..
Courtney of Williamsville NY (04/24/08)
A few years ago I got a cash advance from Cash Today limited. I had several payday loans with them and although I didn't care for the refinance charges I paid what I owed and used them when needed. Well I received a phone call today saying that a loan I took over a year ago was never paid. I took loans for $200 and today they are telling me I owe over $2,000! I haven't received a phone call, a letter or an email regarding this situation and then a over a year later they're telling me they've been trying to contact me and I haven't responded. None of my phone numbers or addresses have changed and they have not attempted once to contact me until today. I spoke with Monica and explained to her that if I owed money I would gladly pay the loan amount and fee but there was no way I was going to pay that much money for a $200 loan. Then she offered me a 60% discount and a payment plan on a $1,400 figure. She offered me the option to pay $250 my next pay day and then it dwindled down to $100 since I explained that I am just getting ready to leave my job for a 12 week maternity leave and would not have a bi-weekly check to count on.
Next thing I knew she had a man named Jack Davis on the phone claiming to be the Manager of the Legal Deptartment there and that they were trying to work with me since I had been such a good customer. I explained to Jack as well what I would pay if I did indeed owe money, even though I was fairly certain I'd paid the loan off, and then he got very rude and short when I asked for a Western Union address or mailing address since I was not going to authorize automatic debits from my account. Then it was I didn't have a choice, I had to pay the entire $2,225 at one time if I mailed a payment, they didn't accept any payment forms except for ACH debits, he'd take a payment of $60 bi-weekly if I authorized the ACH debits, I could make a Western Union payment but company policy was that I had to make a $300 payment in order to do that.
When I asked for confirmation of the amounts, payment history, company policies, etc. in writing he told me they did not and would not provide me directly with anything in writing, they would present that to the payroll department at my job instead and garnish my paycheck. He threatened me with this several times all because I asked for information in writing and refused to provide an account number for automatic withdrawals. I've never heard of any debt that needed to be collected on being refused payment because it couldn't be withdrawn automatically from an account. He refused to provide me with the name of his superior when I requested it stating that he was the boss and there wasn't anyone he reported to. The call ended with me thanking him and hanging up.
So far I have no proof that thsi loan was unpaid, and they want money from me without any explanation as to why.
Misty of Pepeekeo HI (03/24/08)
I made a payday loan for $200.00 in 2005. It was my understanding that it would cost me $279.00 to pay the loan in full. Rose told me that they would take out $60.00 a week until my account was paid in full. They took out almost $600.00 dollars. I went to the bank to have a stop payment on Cash Today Ltd. After explaining to my bank why they okayed it and then I closed my bank account to be sure nothing else would be taken out. I had a lot of insufficient funds to my bank account because of this.
I thought that everything was okay and now today, 3 years later, they called me at work saying that I never paid my loan and that I owe them $10,000.00 because of late charges and interest. I asked them for their address so I can mail them copies of the withdrawals they did on my account and all they want is my bank acct. #. I explained to Peter who called me 50+ times at work today that I could not except personal phone calls at work and if he could give me his number I would call him when I'm finished work. He told me that he would call me every minute of everyday until I give him my bank acct. number so he can withdraw the money. He yelled at my co-workers, my supervisor and my store manager. I didn't know what else to do, so I made a report with the police dept. for harassment. In Hawaii when asked not to call and you keep on calling like he did today it's considered harassment. The police officer talked to Peter because he called again while he was doing the report. The guy changes his name 3 times on the phone and even hung up on the officer. The officer got his phone number and physical address and called him back to let him know that he can no longer call me at work. I assumed everything was okay because they haven't tried contacting me all this time to say that I had an outstanding balance. When I asked Peter why they haven't tried contacting me about this in the last 3 years he said because I changed jobs and moved. I have been with the same company and same work phone # for 9 years and I have lived in the same house for 8 years. They are a rip off!
I am very close to getting fired because the phone calls will not stop and no matter who tells him that I cannot take phone calls at work he continues to call. I'll hang up on him and within 15 seconds he is calling back again. I left work early today because I thought I was going to have a nervous breakdown because of all this stress.
Dawn of Tampa FL (03/12/08)
I took out a loan for $200 in September 2007. They have consistently taken out money from my bank account--and over $800. I finally told the bank to close my account so they would stop taking the money out of my account. My husband called to see how much it would be to settle the account, and they told him another $400! They are also calling my job. They call every day about 50 times a day, after being told repeatedly not to call here because I work in a 911 dispatch center.
They have caused numerous overdraft fees in my account because I had direct deposit, but they were always taking money out; so I stopped it so I would have money to pay bills. I'm still behind on my bills, rent, car and phone because they caused me to get behind since their fees would eat my whole check.
Zakiya of Shirley NY (03/10/08)
I took out a paid loan in 2006. It was for $200 which I was told by a representative is now $7000. I am writing today because I cannot stop them from calling my place of employment. Please help me legally inform them to stop making harassing phone calls to my job. I have tried to get information to contact them by mail but they refuse to give me any information.
They have harassed me and contacted all of my co-workers.
Tanya of Escondido CA (03/07/08)
I took out a pay advance in the middle of last year. The interest rate of the loan was very high but I was in need of the funds so I accepted. I paid the fee to borrow for several months and paid around $1000.00 to borrow $300.00. Finally I closed the account and paid it in full. I am now receiving calls (more than 1/2 yr later) saying that I owed them money and never paid. I asked for a statement showing this and they claim they do not have to send it to me. That I know is illegal, if a company is trying to collect money I have a right to know what the debt is attributed to. Further I had asked them to proceed with legal recourse because at least that way the debt they are collecting would have to be exposed and nobody has done this. All I get are phone calls at my place of employment as well as calling my old supervisor. This needs to stop. It is illegal to call someone at their place of employment after they have asked you to stop.
I have not been affected financially because I closed the bank account they had due to money being withdrawn without my consent. However this continuous harassement could bring consequence at my place of employment.
Linda of Houston TX (03/07/08)
Greg Mathews called my job Monday on 03/03/2008. I spoke to Greg and asked for an address where I could mail a money order to them but he stated, NO only Credit card or Debit card. Greg was so irate and mean to me over the phone. My supervisor has asked administration that I be removed from the campus due to harassment calls from this man. He speaks very ugly to anyone who answers the phone and states to office personnel to give him my personal phone number or cell number and personnel reply to him that they will relate the message to Linda and his respond is he's tired of leaving messages and he doesn't want to hear no noise. Greg insist that he speak to my supervisor and once the call is transfered to my supervisor, he talks to her very badly and has no respect for any employee that answers the phone. He called 5 x on 03/04/08, called 5 x 03/05/08, 5 x on 03/06/08 and spoke to my immediate supervisor very ugly and told her he was tired of calling and the same answer all the time and she was ignorant.
I have been reprimanded by my supervisor due to no respect by Bill collectors that call my job and disrespect personnel. I would like to have this company stop calling the job. I have been reassigned and is very inconvenient to my life.
Dawn of Colorado Springs CO (03/02/08)
On Nov. 30, 2005 I borrowed $200.00 over the internet for a payday loan. The renewal fee was $79.00 every two weeks. This went on for one full year. To be truthful I thought it was paid off; this part is my fault; BUT, nevertheless this company has pulled a total of $1896.00 from my account for a $200.00 loan. The bank returned the draft in Nov. 2006 as I had tried to contact them to take the full amount of $279.00 out, and they never did. Now I am being harassed at my place of employment by calling and telling me I owe them approximately $2100.00 for this loan from Nov. of 2006 through now. How can they do that?
I agreed that if I found out the loan was not paid I would pay for the $200.00 plus the $79.00 refinance charge, but they are saying in order for an investigation to stop and possible charges to be filed I must pay $500.00. Is this legal? Is there any thing I can do to stop this--short of paying their amount? When I spoke to the first rep (John), he said $386.00. Now the second one that called me says $500.00. Thank you for your time.
Ann of Bridgewater NJ (04/10/07)
I lost my check book so my bank froze my account that Cash Today had. Bank opened a new account. I called Cash Today gave them the new account, but they paid no attention to what I was saying and withdrew my payment from the frozen account. It was sent back stating the new account paid the money to Cash Today. It was for 65.00. The collection department called me and told me I did not pay my payment and I we went over the whole thing with George. My bank conferenced a three way call with them. They still say I didn't pay anything. These people are scammers and are now trying to get me to pay additional money. These payday loans are real trouble.
Christine of Buffalo NY (03/21/07)
I made the mistake of taking out a payday loan. They keep harassing me at work and at home. When I ask for an address to send a money order because I do not want them in my checking account, they will not give me one. They are bleeding me dry by going into my account and taking out fees.
Dwayne of Jacksonville FL (11/01/05)
I applied for a $200 loan with Cash Today Limited, which I thought was affliated with Vystar Credit Union. At the time of the loan, I was advised that I would have to pay a total of $279 to close the account. I continued to monitor my account and the $79 withdrawls until they exceeded the $279 amount. I immediately contacted Cash Today Limited by telephone and was advised that I had not paid anything towards the loan and needed to pay $279 to close the account. Also, that I needed to contact their company within three (3) days of my payroll to aviod paying $79 bi-weekly. I immediately contacted Vystar Credit Union to conduct a stop payment to prevent Cash Today from continued withdrawls form my account. I later discovered that two (2) more payment of $79 was withdrawn eclectronically. taking the total amount of more than $495. I then went into Vystar Vredit Union and explained the situation to a bank representive. The Vystar Credit Union representive contacted Cash Today Limited by telephone and asked the same question regarding the money already withdrawn from my account.
Sandra of Stockbridge GA (10/07/05)
I borrowed a loan back in 5/24/05 for $200 and since then i have tried back them back in which i have paid $179 but their fees are ridiculous, and everytime i turn around they say i owe a different amount, now they are saying i owe $732. on top of that they are demanding and constantly call my office when i have told them not to, they will call 10-20 times in a 5 minute period, they threatened my to tell my office staff that i have taken a loan and do not plan to pay them back which is not true, he also threatened me i would be in serious trouble,
Vania of Decatur GA (09/02/05)
I took out a loan for the amount of $150, and I was to pay back $189. The loan was exstablished June 09,2005 since then they have taken out $390 out of my account 10 time for $39 each. They are telling me that I still have to pay them $150 to settle this account even though I have over paid them by $201, Please help.
As a result my other bill have suffered. I live on a fixed income (check to check), and recently I didn't have any food in my house so I had to go to a food bank.
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