Cash Call topping the charts as biggest scumbags
Posted on January 16th, 2007 by Marc Chase Posted in Credit Repair | 101 CommentsCASHCALL UPDATE - Please Go Here
The number of people who feel they are being abused by Cash Call seem to be endless. We have been called by hundreds of consumers regarding potentially illegal collection methods. I’ve spoke with these idiots on several occasions about their collection practices and their defense was…
“We are the original creditor; the FDCPA doesn't apply to us”
Could they really be that stupid? It appears so! Anyway, if you’re being harassed by these guys (especially Brian Shaw) please post your experience below and we will contact you.
In the meantime, the best thing you can do is log every conversation. Keep every voicemail they leave you. Make sure you tell them you cannot get calls at work and do everything in writing.
If you have questions, please post them here, call us or email us.
Update: if you live in the Los Angeles Area, please let us know.
Well first of all I made four payments of 216 to payoff a 2500 loan. Which ended up being 2600 on the actual loan document. I contacted cashcall on another occassion about possibly paying my bill at a later date because I was struggling on finances that month. I ended up paying it on time that month but the following month I had to call and get an extension. This time they told me I can only get an extension to till jan 20 and it was supposed to get paid on jan 15. That’s only five days, but yet and still they still charged a late fee of 15 dollars after they granted an extension.
Derric, Can you email me at info@mycreditgroup.com
this is typical of Cash Call. We’ll get them
Please include me in the LAWSUIT. They are extremly fraud and are inconsiderate.
Tessa,
I have saved your email as well and will keep you updated.
If you like, please feel free to post any bad experiences you have had with Cash call.
In the meantime, keep a pen and notepad by your phone, better yet a tape recorder BUT make sure you figure out laws in your state about recording phone calls first. log the name, time and date of any conversations with cashcall.
Note any rude comments, threats or anything else they do.
Have a great day
Cash call recently took an additional payment out of my account this month, now they are giving me the run around saying they haven’t received my fax. I am veteran of the United states Army I am working hard trying to support my family and these sharks sent my account into the negative and caused me to incur overdraft fees which leaves my account a 100 dollars and my rent is due on the first and they are going to write me a check so they won’t have to pay for the wire. Something needs to happen right now.
Derric -
I’m very sorry to hear about that. My first step would be to call your bank and dispute the charge.
Each bank has different procedure, but most will give you an immediate, temporary credit to your account. Hopefully that will fix your rent problem.
I would aslo ask for an explanation in writing explaining the extra charges.
If you have any questions or problems, please dont hesitate to call us toll free
800-430-7494
I recorded the person harrasing me and sent you the tapes. Man, according to the links you sent me these guys break every rule in the book
Ok these guys have called my work 4 times now. My boss even answered the phone on the second call and told them I could not receive call there.
They called back twice after that claiming they can call to verify employment as much as they want.
Can they do this? I am getting in serious trouble at work cause of these assholes
test
These guys suck!! I have made 2 payments totaling almost $600.00 in the last two months (both on time, out of my checking account, of course) and my balance actually went UP!!! I got my tax refund and am paying these jerks off immediately. This whole ordeal cost me over $1000 on a $5000 loan for 2 months. What a bunch of BS!!
I have received a loan of $2500, the day before I was fired from my job in October 2007. I’m working temp job and only making $13 an hour, i have to support my family of 5. And they have threaten me today, that their legal department was going to file friday w/the court and that I’ll see the judge. She would garnish my check. Yes i did make an arrangement w/her but I still couldn’t come up with $258.15, instead I offered 200.00, she wouldn’t take it. Cynthia is her name. She then wouldn’t listen to me and got very rude and said that this is the end of our conversation and hung up on me. What should I do?
is there a way i can edit my comment
I am in the same situation as Marlene Benally except instead of getting fired, my son got into a lot of legal trouble shortly after taking out my loan. I could not come up with the 216.00 payment due to having to use all my money and borrowed money to help my son. They gave me an offer as well but it was only a few dollars less and did not help me any. They are also threatening to take me to court and to garnish my paycheck. Can they do this? If so, will they be allowed to take all my money each month until the debt is paid? However much they may be. Please HELP!!!
Cash Call attempted to debit my account for a $50 late charge payment that I was not aware of. It bounced. The net day the debited my account for $216.00 and it bounced because they had already sent my account into a negative. They called and I made arrangements to money gram my payment to them on 4/20/07. They agreed to the money gram payment, however, 4/13/07, they debited my account for $216 again. Someone has to stop these people. Secondly, they are charging me over $6,000 for a $2500 loan. That’s has to be illegal. Even with bad credit, they should not be able to charge interest rates that high. These people prey on people that have urgent situations with less than perfect credit.
For the first few months I paid Cashcall thru my checking account with no problems. Then, I no longer had a job and I started to receive calls from them about making the payments.
With no job, I was not able to make any payments. The calls started to increase. Then I received visits from a Cash-call rep at my home..always on a Sunday. They would knock on the door and told me to call cashcall. I did not call because I had no idea who the person might be.
When I finally did call cashcall, and responded to their calls, the main phone number for cashcall was disconnected. This happened on a few occaisions when I tried to call them.
Most recently, I hadn’t heard anything from them for several months. Then, just last week, they sent a wage garnishment to my work. I called cashcall to find out what the story was. They told me I had not responded back to them and that they would be taking $50 a week from my check. However, last week, it turns out they are taking twice that amount. Yes, help is needed!!
Cash Call is clearly out of control. I have been very upfront and honest with them in terms of my payments. They are now telling me that I am nearly 3 months behind, although they acknowledge that I have made payments to them every month.
Brian Shaw called my home and harrassed my daughter, who is a minor, trying to find me becuase he hadn’t been in contact with me yesterday. This is unacceptable and I am filing a complaint with the FTC today.
Good ol Brain Shaw. This is the IDIOT that allowed himself to be recorded.
This big mouth is the best tool we have to stop Cash Call.
They have called on both my and my husband’s cell phone. I’ve just filed my complaint online with the FTC.
Brian told me this morning that I needed to “woman up” and tell the truth about when I was going to pay. Amazing. This after I specifically told him what I could or couldn’t do.
How does a person like this sleep at night!!
Yes, Cashcall calls my cell at least 6 times a day somtimes. They have also called my cell after 9:00 pm and then they apologized as thou they did not realize the time. They call if I am late and they call when I am on time as well.
I was wondering if anyone has a lawsuit going on? I would like to be apart of it if so. They have done all of the above to me and some. These people are horrible. What can I do to stop them.
I just want to pay them, and get them out of my life…they call after 9pm, when i, or my husband tell them not to call after 9pm. they call and hang up, repeadeatly, and yell ” pay you bills lady” in the they call from unknown, and blocked numbers. After 8months into the contract, i found that the payments were just paying intrest, then i started adding $25.00 to the payments. i called and asked it this extra was applied to the priciple, and she said, it would have to be $100.00 over the payments, and around $45.00 would got to the princeple. I just stop paying in January, and in Febuary the calls started. I told them my situation, and if they could work with me on my payments, they set up payments. and i found all the payments that i had made to theme were just to the interest. i don’t want a garnishment, it just want to be rid of them, with out having to give my first born, or the shirts off my families backs..please notify me of my rights.
thank you
Thank you, I got all your information. Please don’t hesitate to call or email me.
The infamous Brian Shaw was trying to leave a message for me at home, but he must have has two calls on the line at once because my machine recorded him harrasing another customer.
That made me laugh and I saved the message.
Brian Shaw is the biggest moran I’ve ever seen. Do not delete that message.
I have been harrased over 20 times in a single day and I just don’t answer my phone anymore, this has gone on for months and I had no clue what to do about it but I have told them several times when I have the money to pay I would. I finally moved and never kept the same number.
MY HUSBAND HAS A LOAN WITH THESE JERKS!!! WE COULD NOT MAKE ONE PAYMENT AND THEY KEPT CALLING AT LEAST TEN TIMES A DAY ON OUR HOME PHONE AND HOUSE PHONE. HE SAID HE WOULD MAKE THE PAYMENT AS SOON AS HE COULD AND THEY WERE RUDE AND KEPT ASKING A LOT OF PERSONAL QUESTIONS. HE FINALLY HUNG UP ON THEM. HE JUST WANTS TO PAY THIS OFF WITHOUT ALL THE INTEREST WHAT CAN HE DO?
Everything that is being said about cashcall and Brian is very true and needs to stop.
I need help with them as well. THey called my place of employment up to 5 times a day. And when they called me at home they would yell and threaten me about paying my bill. I received 2 emails saying they were going to sue me, and when i asked them about it they told me thats not what that meant. Its in black and white that they were going to sue me and they jacked up the price of my loan from 2600 to damn near 3000!! Because they kept calling my job i was let go. When i told them about this they said that wasnt their probelm and that i need to still make my payments. What the hell!!
i just pulled a loan from cashcall two days ago.they keep on calling me have no idea. why would they keep on calling me. i’m wondering whyanhas anyone expedrience that.
I too have a Cash Call Loan. Getting that loan has to THE worst thing I have ever done in my LIFE. I literally feel like they are stalking me. Between my home, work, and cell phone(s) they call up to 10-20 times a day. They often have me on a dial up that even when I do answer their system/phone line automatically hangs up on me. And I am less than a week late on my payment. They are not friendly people AT ALL. When asking for time to make a payment late they will okay it BUT they will also continue to call. Alot of times I will call back stating I received calls (and that I already made arrangements) and the rep will have no knowledge of it, just saying that I automatically go on their dial up. Every time I see their commercial on TV I want to scream… I hate CASH CALL…
I have had no luck in getting any help in getting my issue with cashcall resolved. At this time, my wages are being garnished. At this rate, it will be 10 years before this loan will be paid off. Talk about being nailed to the wall. Where is a good attorney when you need one?
I have a 5000 loan from cash call and is paying 251 per month for the past year. when i called today to have the loan pay off, i was shack to know that i owe 5251 as of today. Help me get out of this.
I believe there is no way out of any of these Cashcall problems. They seem to be too powerful, and have a solid hold on all of us..stupid enough..to employ their services. We have become their ATM machine
Dave & Lynn.
Cash Call can be beaten, but you need to beat them. Log every call, time, name, date.
Let them know they cannot call your work. Let them know that times are inconvenient to call you at home.
Report the abuse to the FTC. From what I can tell, they will eventually make violations.
Here’s a nice little link and were working on more
http://www.mycreditgroup.com/clients/eq.gif
Marc Chase,
I am very interested to learn more on how to beat Cashcall and get it off my credit report, is there any advice or help you can assist with and if so how much do you charge for this service? I need help rebuilding my credit and Cashcall is destroying my good faith and credit record.
Hi, my name is Fagamanu Unutoa (Daniel) and I was in a very needy spot when I got my loan. Of course as soon as I got it I lost my job and had trouble just paying the first payment. Finally when I did about half way in the middle of May the payment jumped from 230 so well over 400 because of the number of times they tried to take the money out of my account, even after talking to them regarding it. I now have a job but I by no means make enough to pay this loan, which I know if my fault, but I am called and called and have to explain and explain, and yet I’m called called called. All on my cell phone. In order to stop geting NSF notices I closed my bank account because I just can’t afford this harrasment. I really don’t know what to do. This one loan has made my life hell!! Please help with any information you can provide. Thanks. And include me in whatever you want to!!!
Hi this is Serrena…I was in a desperate situation for financial help. I have since figured out that I am never going to pay back a loan of 2500 with an extrememly enormous interest rate. How can they do this? Take advantage of people who just need some help. They have tried numerous attempts to take money out of my account without my consent. They have called my family members…who I did not give them permission to call nor did I give them there information..and have totally embarassed me about my situation. I contacted them through email, mail, and fax to have all my documents sent to me..and still nothing. I just heard from Brian Shaw saying that I am behind on two payments and owe them close to $600 dollars. How does 2 payments of 199.02 plus $30 late fee for two months add up to a total of close to $600? I am starting to worry because I am barely making it. I feel as though they are the most unprofessional people who don’t care about there customers. I have heard from every single “fake” person from there and continue to get frustrated that my measly $199.02 doesn’t even apply to my loan. Except for maybe 12 bucks. I need help…please. Feel free to conact me. I need to get my life back in order and get these people off my credit report and out of my life. Any information would be helpful!
Hi. I just missed a payment with cashcall and the calls have started to my cell. I called early June to get a 1 month deferment. Everything sounded fine. I needed the money to pay some divorce fees. I got an email end of June saying my payment was going to come out in July. I asked about the deferment and they said they had a follow up question and had been unable to get a hold of me. They never tried. They wanted to know how much my court fees were. I told them and the guy sounded like everything would be fine. I called back 2 days later and they told me it was too late to stop the payment. I had to switch bank accounts just to pay rent. I fully plan on making a double payment as the court fees were to finally get child support but I need 2 weeks. From your stories sounds like I will be harrassed for 2 weeks? Is there anything I can tell them to leave me alone for 2 weeks? I have enough stress right now. Will bankruptcy cover this loan?
Yes you can. Send them a letter, certified mail stating you are under a lot of stress and to contact you only by written letter.
Also let them know you cannot be contacted at work that you could be fired if you are.
I highly recommend you keep a detailed log of times, names and dates of everybody that calls.
My name is Kelly Johnson. I have just recently discharged from the U.S. Marine Corps. I received a loan from CashCall back in October for $2600 to pay a few bills. Until July 1, 2007, I was able to pay the $216 payment that was agreed. I called CashCall on the 26th of June to see if there was some arrangement we could make because the funds were not going to be available on that date. I spoke with the supervisor who told me that since I did not have a job at that point, I could not get a deferment and the best he could do was extend it for a couple of weeks. He was very rude on the phone and continuously called me by my last name only which I informed him I did not appreciate. He then went on to say I was getting an attitude with him and the conversation ended by me telling him to extend it to the 15th of the month. Well, just like I anticipated, they put it through on the 1st anyways and now my bank has charged me fees and CashCall is also charging me fees. I don’t know what to do, but if there is anyway to deal with them, please count me in.
Respectfully,
Kelly Johnson
Hi Kelly,
You’re not going to get them off your bank account. Every Person that has a loan with cash call and facing this type of abuse change accounts (at least the ones I’ve spoken with.
I recommend you do the same thing as I said in the previous post.
Isn’t there anything illegal about the amount of interest they charge? I guess I didnt realize it at the time out of $254 per month for 5 months, I think my balance has only gone down about $20.
My Cashcall story is pretty much the same as everyone else’s. The biggest problem I have with them is the contact they’ve made to my family and friends. They’ve called my sister twice, and my friend and father once.
I feel horrible that my loved ones are having to deal with this, and I am constantly in fear of Cashcall contacting them again. I have heard creditors can only call one reference ONCE, but Cashcall claims it does not have to follow collector rules since they are the original collector.
THESE JERKS ALWAYS CALL MY CELL PHONE AT LEAST 10-20 TIMES IN ONE DAY. I KEEP TELLING THEM THAT THIS IS NOT MY HUSBANDS CELL PHONE. THEY EVEN CALLED MY MOTHER IN LAW AND TOLD HER SHE DID A BAD JOB AT RAISING HER SON BECAUSE HE DOESNT PAY HIS BILLS THEN THREATENED TO PUT A WOMAN ON THE PHONE TO TELL HER OFF. IF THEY GARNISH YOU, YOU CAN GO AND TRY TO GET EXEMPT THRU THE COURT.
If they are using an automated dialer, the cell phone calls may be a violation…..the condescending comments could be as well.
if you live in the Los Angeles area, please let me know. We have an attorney that wants to talk to all people in that area.
Ok, so they have resorted to calling everyone on my referrence list and harrassing them to no end. This lady had the nerve to tell my mother that she was harboring me and she and her family are “nothing but low life thiefs.” What the hell??? In the phone book it states that Threatening phone calls of any kind are illegal. And then my brother answered their phone and the lady persisted to tell him that he is me and that “he/I” need to pay before I am sued and “thrown in jail!!??” What are these people thinking? I don’t even live there!! My mom had to change her number because these people are insane. Who do they think they are?? I know I owe them money, but they are ripping me off and they have the nerve to call the people around me and threaten them. This lady also left messages on more than one of my friends cell phones that “I was dead” and they need to call back immediatly. They are going to far, I don’t know how I can deal with these crazies?!?!
They left messages saying you’re dead?
OK - did they save the messages and do you live in the Los Angeles area?
Again log all these calls and save all messages
I’m not sure if anyone saved the messages but I’ll make sure if they are contacted again to. No I live in Puyallup, Washington, unfortunetly.
I have had a loan with Cashcall since April 2005. I have too much info about them to post here but I do live in the Los Angeles area and would welcome a call from your attorney to discuss my dealings with them.
Today I received a call at work threatening to call my supervisor. I have notified CashCall they cannot call me at my new job about collections before. They said I didn’t put it in writing. They did call my supervisor today as well, and called me again after I called back and asked to speak with a supervisor. I am keeping their messages at work, and have notified them via e-mail and will mail a copy that they cannot harass me at work any more. They call all day long; 20 voice mail messages on my cell phone. What can I do about their tactics. I am paying them 1 payment this week, which will still leave 1 due and now they tell me the $1600 I borrowed in January is a $3000 balance. Help me in any way you can
My mother applied for this loan about a year ago.
Due to a family emergency, we couldnt pay by the deadline this month.
At the beginning of the month, Cashcall told her over the phone they would give her until August 18th.
After this phone call, they subsequently tried to process the payment several times, causing returned item and NSF fees. Because they did this, it took away from the money we were saving to pay them by the 18th.
So now we told them this and that we couldnt pay now until September 1st.
And they have again, continued to try and process the payment. Not just the monthly payment, but the $15 fee.. seperately!
In this month alone, not including overdraft fees from the bank, we have 5 returns. Thats $170 in bank fees and were not done with the month yet.
They also, through phone and email, keep calling and saying that they havent heard from us.
The day after my mother spoke to someone and advised we would pay the 1st, she was getting calls.
And the messages left say they havent heard from her.
We live in Los Angeles county.
I have a loan with cash call, and i pay $254 every month on time everytime. I just went on line to check my balance and my balance is 50 more than what i started. How can a balance go up ?!?!?! can these people really garnish your wages or is that just one of their scare tactics ??
yeah, they can. But they’d have to go through the courts first. But Ive read that they dont hesitate to do so.
The balance shouldnt be going up. Are you paying more than minimum?
Cashcall makes it so hard to pay more than minimum. They told my mom that when she wants to pay more towards it that she has to call them and let them know shes sending it, seperately, and that she has to write a note when sending for them to apply it to principle only.
wth? what they think were just going to send them money to give away?
I see all of the complaints about Cash call and it seems as if nothing is being done about them. I to have a loan out with these scumbags and boy did I regret it. I reported them to the BBB.org and the FTC.org the reply I got back from them was that they could not do anything about them on soley one complaint. I have faxed a letter to them twice advising them that I could not recieve any phone calls to my place of employment did they stop nope. In one day they called me 20 times right after the other non stop I have kept all this logged and dated. I even advised one lady that this was a business not my home and this needed to stop that I could not be recieving personal phone calls here. She replied to me she was going to keep calling my place of employment until I paid. I told her she was violating my privacy and harrassing me. She told me I had nothing in writting and even if I did she would continue to call. They told me the garnishment story I told her she needed a court order for that so until then to stop threatening me. They even told me that they were going to call the owner of the company and tell him/her the situation so that they could now the employee they had. I laughed so hard I almost fell off my chair I told them go ahead good luck! I am just so tired of them but I do not live in Los Angeles I live in Texas. Anyway if anything is going to be done about them count me in!!!
EXCELLENT RESPONSE.
People she brings up an excellent point. You HAVE TO HELP YOURSELVES BY REPORTING THEM.
I cant tell you how many clients have been seriously violated by them and do nothing.
File complaints, call the FTC, Call the BBB. Save every email, voicemail and letter they send you.
my story is just like everyone else. I want to pay them off but I can’t at such high interest. They even call me on phone numbers that I did’nt give them. I would like to join any law suits as well to put this company out of business once and for all. Please contact me with any imformation that can help. Thanks, Don.
Just an fyi for everyone: If you go to Cashcall’s website they are no longer offering loans in any other state than California. I wonder what has happened for them to stop offering loans in all the states. I know Florida has new law against payday loan(which is all Cashcall really is) to protect consumers against them, so I wonder if other states have realized what a rip off Cashcall is.
I can’t wait until I pay them off. I will have been paying for a year next month and my loan has not even gone down a hundred dollars. I have calculated that I have paid over 2000 dollars( I was late twice) and the loan is still over 2500 dollars. This has taught me to never get into this type of loan again. All in all this is just a long term payday loan desigused as a real loan.
I have a loan with them right now. I just heard that they are not accepting loans. I checked my acct this week and according to what I have paid so far my acct has only gone down $146.00!! Imagine that! I have been trying to get a loan to pay them off but it seems that even if I do that I will still be paying off more that what I owe! I will continue however to pay my loan as promised, but hope something will be done soon…..
I also have a long with these jerks. They are the worst company i ever dealt with. They call me 20 times a day after i already made an arrangement. These jerks dont stick to what they say. They are just there to take your money and fuck with your credit. i have been paying for almost a year now and my loan hasn’t gone down. Every payment i send them, about only 5 dollars go to principal. these jerks needs to go out business. please help.
I dont know if anyone has seen this but as I was surfing I found this…..
Cashcall
LR&O is investigating the practices of Cashcall, an internet lender. Cashcall charges high interest rates and requires internet-only loan transactions. We’re interested in finding out more about Cashcall’s practices. If you have a loan with Cashcall and have information about their practices, please contact Arthur Levy at (415) 433-4949 or adl@lrolaw.com.
There is a light a the end of the tunnel…..good luck to you all who have problems with Cash Call…..
i was offered a settlement and i had to borrow the money to give them my friend sent a check and it had to clear thru the bank i called 2 days before the cutoff date for the settlement and let them know when the check cleared how to send in the money and they informed me by the time the check clear i was not going to be in time to accept the offer and i was denied the settlement. i believe they are going to garnish my check and i really can’t afford that. what can i do next? thanks
Gwen,
This is common and have seen them do this a million times. What other people have done is since they are saying its passed the deadline, wait until you have the money and just re-negotiate the same settlement.
They seem to flip flop on their decisions. If you do re-negotiate, get it in writing first because I havent heard of them ever keeping their word on any deals.
Marc,
Have everyone with CashCall problems call the attorney on my previous post. My sister sent them am email and they are already contacting her for additional info. LETS GET CASHCALL OUT OF BUSINESS!!!
Marc,
Cash Call is up and running again. They are lending to all states!! I just wish they went away!!!
I have had a cashcall acct for nearly 2 years. And my loan amt has not gone down. They called me just before 9pm. I said I wasn’t home and hung up. I too had a 2500 loan and now it is showing 2600 loan. I live in Ornage County, CA. I am in the mortgage business and my paycheck has dropped by 40% since the big subprime meltdown. Any good debt conslidaters? Anyone that can work with Cashcall?
there is an article dated 09-17-07 on the web that states that cash call is in financial trouble. The article states that the briefly shut down lending money while they liqudated assests.
It says that they charge such a high interest rate becuase so many clients end up in default. The article said 1 in 5 accounts ends up in default.
Heres one for you i sign up with these crooks two years ago and once had a couple late payments due to financial problems but to my understanding i worked out a solution with one of there lawyers who canceled my first loan and wrote me a new one with a lower payment and a clean slate so i thought, until recently when my pay date got change by god knows who and im being charged late fees on this and charged by my bank because the money wasn’t there at that time. but im looking for the new contract we wrote then i will seek legal rep.
I would like to be able to get out of this loan, I don’t even know why I got it, I guess because I was so in debt, now its worse with the interest from Cash call.
I took a $2,500 loan out with Cash Call a year ago and to my disbelief realized the principal does not go down. I was in trouble financially at the time and the money was easy to get. Isn’t this a form of loan sharking? I did not intend to sell my soul. There must be some type of recourse, when I checked them with the BBB they had over 600 complaint filed yet they still have an A rating. Does anyone have a success story with these guy’s?
So I haven’t been able to pay my loan since the first month due to some changes in my income and sorts. After all their threats and letters and just plain ignoring them for months I got a great letter in the mail. Only one problem I got it in the mail on Sept. 21st, this last Friday. It noted that if I pay ~1450.00 lump it will all be over, I was excited because it also gave me a monthly plan 259 times x amount of months that equal to the 1450ish amount. Fantastic!! so the last paragraph PISSED me off. “You have until September 23rd to reply to this offer or it is null and void” WTF, 2 days to reply?????? And the 23rd is on a Sunday???? They really make it not worth your while. But I have found at least if you ignore them, they stopped calling my friends, at least for a while, then this Tom Shaw person started calling some of them. But has stopped. Now I get “option” letters with a lower interest rate (to bad it’s still 47%) but this last letter I thought was going to be great until the deadline date. They really make it impossible don’t they. Hopefully I get another letter like that soon and I will have the money to start paying.
yeah, don’t you love it? I got a similar offer via phone a few months back but mine was to wire them $2000 by the end of the day! that was their 40% settlement offer - except that the original loan was only $2600 (you guessed it, the rest was interest) you think it would’ve really paid off my loan or gone right into some dirt bag collector’s pocket?
now I’ve filed bankruptcy so they can go pound sand.
help, ive paid on time for 10 months, owe 2800 on 2500 loan,
late for the first time and their threatening to agrnish my pay check. ive already paid over 2000.
I have had the same horrible experiences with these people as everyone else on this board. Help is desparetly needed. Please include me with any future solutions.
I have had a 2600.00 loan with them for a year now and still owe 2000.00 I needed help when I was in a financial strain and the loan has just made it worst. Now I have fallen into even more of a financial strain. I don’t know what to do but I wish there a fairy godmather out there that could help me and my family.
I have a loan wout for 2600 and now I had to stop paying them due to an incident. I now have a delinquent loan and they are constantly calling me and my references. I am currently employed on call and do not have the funs in order to pay them back. I’m not trying to try a debt consolidation place that will actually work with CashCall. I was wondering if anyone knew any place that will actually work for them. I currently have a debt consolidation network and actually put CC on there and after a few months of payments, CC still didn’t accept the loan agreement and I withdrew them from my debt consolidation. If there was a place that someone knew, please inform me. Thank you.
I ALSO HAVE A LOAN WITH THESE JERKS. I WAS ABLE TO GET MY INTEREST RATE REDUCED TO 70% BECAUSE I TOLD THEM I WOULD FILE BK IF THEY DONT WORK WITH ME. THATS STILL ALOT THOUGH. I TOLD THEM TO STOP DEBITING MY BANK ACCT BECAUSE THEY WOULD JUST GO IN THERE AND TRY TO TAKE MY MOMEY. I HAVE BEEN PAYING THEM 165/MONTH THROUGH MONEY GRAM FOR OVER A YEAR NOW AND MY BALANCE IS STILL MORE THAN WHAT I ORIGINALLY OWED. THATS SO RIDICULOUS. I HAVENT BEEN PAYING THEM FOR 2 MONTHS NOW AND THEY KEEP ON CALLING ME MULTIPLE TIMES A DAY. I DONT KNOW WHAT TO DO ANYMORE. I AM JUST WONDERING IF THERE IS SOMEONE OUT THERE WHO IS IN THE SAME SITUATION RIGHT NOW AND I WANNA KNOW WHAT KIND OF LEGAL ACTIONS DID CC TOOK TO GET THEIR MONEY. THEY WERE TELLING ME THEY WOULD SUE ME AND THAT THEY WILL GARNISH MY WAGES, ETC ETC. I AM JUST WONDERING IF THEY ACTUALLY DID THAT TO SOMEONE HERE ALREADY OR MAYBE THEY ARE JUST SAYING THAT TO SCARE ME OFF. ANY FEEDBACK WILL BE APPRECIATED. THANKS.
there are hundreds of complaints on ripoffreport.com as well
I think for each one of us who went to Cash Call – we needed help. I got my loan in March – and in June I was laid off my job. I used some of my savings to pay them, but my income was not enough to keep making the payments. I called them before my next payment was due because I wouldn’t have been able to make it. They refused to stop that payment which went through causing me to default and a NSF fee from my bank.
Every now and then they submit a payment and call me so many times it’s annoying. I can’t believe how rude these guys can be – they are very inconsiderate. This one guy was like he’ll call my references when I am on the phone with him and we can ask them for help. I told him no and he refused to listen and went ahead and called. I hang up on him. I might be in a position where my income is no longer the same – but I refuse to have a stranger call my friends and family and tell them that they should help me out. JUST INSANE!
As things look right now – I might be heading to BK. Anyways I had to close my account to avoid any more debit going in. I went way into the red and the only way to stop it was to cancel the account and then figure out how to get it back on the plus side.
I wish everyone all the best!
A woman named Kristen Campa called my job this morning and spoke with my supervisor regarding my account. She explained to my supervisor that if I did not call her by the end of the day, she would proceed with arbitration my paychecks would be garnished. I called her and she told me that if I paid her $162.00 by the end of the day she would cancel the process. I told her I would not have this money at this time and she went on to suggest that I borrow it or take out a payday loan. She was very rude to me as well as my employer. This is very annoying and embarrasing. I really need help. What can I do to prevent arbitration? If anything.
I had trouble with CC and there collection procedures. I had taken a loan because of the hard time I was having working in the mortgage industry, but soon fell late. They began calling me through out the day, but I expected that and I tried to tell them the situation but the calls kept coming. They then began calling family members on their cell phones, people I knew I hadn’t given their number too. They questioned how they got the number and they lied to them saying I provided it, but I know for certain I had not because I didnt even have some of those numbers…
To try to get me back on track I contacted a debt settlement company (www.negotiatemydebt.com). They were really helpful, put me on a payment program and settled most of my debt, but more importantly they stopped the calls as they took over as a “buffer” between me and my creditors, including CashCall. They sent them cease and desist letters.
I would recommend anyone who is in a similar situation to check out a copmany like this, it may help you out a lot and take a lot of the stress away.
on my loan i paid for 10 months (2160) i havent paid for 3 months(all the same experiances)got in a car accident (good i guess, rearended by someone goin 20). for my totaled 2000 honda i got 7000. i will give these horrible people 3200 of that and it will be the best thing in my life. they said if i dont pay today i owe9000 on 11/1 but well see because ill only pay 3 grand but thats still5200 on 2600 in less then a year. i blame myself for taken it, but you’ll never ever get ahead, especially if u ever pay late. im just like you struggling, just got kinda of lucky. good luck to all of you out there dealing with cash call…please if you read this dont ever take this loan…..unless you want to take the money and run to mexico. i hope everyone of you cash call assholes rot in hell mrs mccgown.
i fell for all of you..ripoffreport.com—-cash call
Cash Call has caused me a great deal of grief. Not only have I been paying 18 months on the loan (and I now owe more than I borrowed), but when I made payment arrangments, as others have said, they continued to debit my checking account. Now I have a checking account that is hugely overdrawn because of them, which caused other bills to bounce. I’ve emailed the lawyer mentioned above. I hope they can help me.
I had a $2500 Dollar loan with them, I made payments until they began to be too much for my, i was overed a revision to only pay $127.00 a month, i made those payments for two months the current payment is 17 days late and The represenative tells me to pay the$127 or else they will seek a claim of abitration against me. I did it and they still send me a letter stating they are still starting a claim. I called the same representative and she was real nasty and claimed she never told me that and then hung up on me….. WTF These people need to be stopped
Include me in any lawsuit against them. They harrass me daily and I’m doing the very best I can to work out a solution with them. They are horrible
I refinanced my home, Wells Fargo sent them a check for the whole amount TODAY at 9:00 am *someone actually signed for the delivery* , I called them to double check the payment and to make sure the monthly debit doesn’t hit my account tomorrow. They said the payment would PROBABLY be posted today, and that the automatic debit couldn’t be stopped. If they got the payment they said I would get a refund.. I am thinking they are going to overdraw my account and I will most likely NOT get a refund from them.. Is there really a Lawsuit pending?
Diana - If there is a lawsuit, it’s not by us. I would just like to gather enough complaints here to take to our attorney’s
Well, they took the payment from Wells Fargo AND they debited my account. So I’m due a $223.00 refund, if and when I get it.. They are going to MAIL it. To take the $$ out they use automatic withdrawal from checking, but to refund it to you.. you get an out of state check in the mail!
All of you out there, try to find a solution to payoff the loan.. these people are sharks!
what happens when cash call sues you ? they have told me that they filed litagation paper work.
they told me all that munbo jumbo until i finally changed my phone number and opened new bank accounts. they can’t sue you though because you signed an arburtration agreement that forbids either party from seeking legal councel. anyways to get ton with it, they charged off my balance of 2590 or some crap and so now at least i’m not being hassled and it’s not even on my credit report right now for some odd reason.
I have been harrassed by cash call as well. They are scary. iIpaid on time-every time for three years, then i lost my job. That’s when the calls began. They call you, your employer, your relatives, your friends and tell them all kinds of stories, hoping to scare a payment out of you. I am not making this stuff up! These people have to be stopped! I HOPE THEY WRITE MY LOAN OFF like they did for Fagamanu’s. If the harrassment continues, I will file bankruptcy. Meanwhile, I am paying all my other creditors. If there is a lawsuit on this matter, PLEASE CONTACT ME!!!! Thank you-
I stopped paying these idiots last Septermber 2007 and sent a cease and assist letter as they where calling me every 5 minutes of the day. I havent heard from them since. No emails or letters however they are showing on my credit as past due. So any thoughts on what to do now? I also heard that they are only writing in California now not nationwide anymore and rumor has it that they are filling bankrupty? Has anyone heard anything?
Amanda, sending a “Cease and Desist” order will only stop them from calling you, your relatives and all others they manage to get telephone #’s for. THE COLLECTION PROCESS WILL NOT STOP, so someday, probably sooner than later, you will get a Summons served, as Cash Call moves forward in their collection options very quickly. If you do not show up in court, they will jet a judgment against you and then they will proceed to garnish wages and everything else they can do to get money–FOR SEVEN YEARS from the last payment you made to the campany. The good thing, though, is that if you have no assets or a job at the time, they cannot get a thing from you…Bankruptcy WILL stop them, if your debts are dismissed by the U.S. Bankruptcy court. They can, indeed, make our lives very miserable until they get their money; Unless we can manage to get them to stop their illegal collection practices-ASAP. It is truly unbelievable that a company can treat their customers this way (in the United States of America) and still be in business…Good Luck to all of us; but let’s band together and see what we can do to drive them out of business.
Please include me in the lawsuit. CashCall has been relentless!! Yes, I am very aware that I took out a loan. At that time, I was facing eviction and almost lost my job due to missed time from work (due to overload stress and worry). They had the nerve to call my job and harass my co-workers. I never felt so embarrased in my life!!! The last call I received was on 02/12/08 when a female (I think her name was Molly or Marlene) practically tried to belittle me on the phone and talked to me as if I was a child. She called herself offering me a settlement of $1500 and I explained to her that I was just getting back on my feet (and I’m also going through a wage garnishment), she simply stated that it wasn’t her problem and I need to be worrying about paying CashCall off first. I mean this young lady was rude, crude and just totally obnoxious!!! Now that they pretty much tried to put my personal business out in my workplace, I feel depressed. Please stop these “human animals” from making other people lives miserable. Thank you.
My husband and I were in desperate times and needed a loan, we were unable to get a loan from our bank.
So we had seen cashcall commercials all the time.
My husband applied and was approved for $2600.
Which we all received $2525 because they charge $75 for processing.
We have been paying since may of 07, feb 07 we pulled a credit report and realized that we still were owing 2500 on a 2600 loan.
My husband called them and they then told him that $200 of our $216.55 payment was going for interest alone. And if we were to pay it off that day it would be $2700. also when my husband talked to someone there about the 200 going to just interest, her response was, we assumed that you knew that.
So we stopped paying and closed the bank account we had. We instructed the bank not to accept anything from cashcall.
The calls started yesterday, and i have notified everyone of our references that cashcall may started call them.
Also my husband has changed jobs since we took out the loan. So i contacted his former employer and let them know what is going on (we are still good friends with his former employer).
the person that have called us his name is “John”
we need to stop them, this is ridiculous.
I am just waiting for someone to come to my house they will get an ear full.
I have read on other blogs that this company has threatened physical harm just to get their money.
just like the mafia would.
they need to be stopped.
we all need to come together and file a class action lawsuit to get rid of them for once and all.
I wish i knew then what i know now. i would never had taken out this loan
Cash call is the very worst and am very sorry that i was that desperate to need their assistance. A Todd Mintz calls me and speaks to me in a very condesending tone like I am some sumbag trying to steal from them. I made my payments for several months and then hit a huge bump in my road. They took my financials and apparently the first lady lied so that i would qualify for an extension and then Todd told me i didnt qualify and asked me to pay a certain amount that he knew i would have trouble paying. I have repeatedly ask that he not call me at work and all he says is i will note it but you need to pay.
I have continuosly told them not to debit my account anymore and they continue to charge me fees for something I told them was not there. Not only are they racking up the fees but my bank is charging me and digging my hole deeper.
Hi! So I havent paid them in October and I sent them a cease and assist letter never ever to call me again. I haven’t heard anything since but they sent me an email on 2/23 saying Im seriously delinquent and they want 1700 now or they will begin legal action. Can someone tell me what happens now? Are they just threatening me or what should I do?
I recently fell behind on my payments for my $2600 loan because of a slow down at my sales job. I contacted Cash Call to see if I could make arrangements to make a partial payment until I got back on my feet, but they wouldn’t hear anything of it. Of course the draft bounced, the endless calls began and then they proceeded to draft the payment again a total of 5 times in one month to try to collect. Not only did this put me in deeper water by making my checking account over-drafted, but now I have to come up with money to pay for the bank fees to cover this. I really thought I was looking at bankruptcy because I saw no way to get out of the cycle, until I heard a radio ad for debt settlement. There are some draw backs with the program, but when comparing it to bankruptcy or doing nothing, it seems like the best solution for me. I would suggest others look into it too. I read an earlier post where someone mentioned this too for a company called negotiatemydebt.com, I’m not familiar with them but I would do research and see if a company like this could help you if you are in financial hardship too. Cash call won’t stop calling and will do what they feel is necessary to get their money. So if you don’t have the money, definitely look at all your options to try to stop the harassment.
Also, I found an organization online that specifically helps consumers with creditor and collector harassment, http://ucan.net/ check them out too, a lot of good information.
So my credit report shows that my account was charged off. Does that mean I will never have to deal with them again?
I have been behind before and seemed to always get caught up, however, im only a few days behind. Now cash call is calling my work and I have told them not to. they are leaving messages, Which i save… I have only been at my job for almost a year and don’t want my employer to get pissed, also its embarrassing. please advise me to get these people off me…
My story is the same as many others who have posted here. The first year of my loan went off without a hitch. However, I began having a string of financial issues that caused my loan to be late. My problem, in addition to the ridiculous interest rate, is the rudeness of the representatives I have spoken with this year. I have been told they weren’t going to “play this game” with me and I needed to make the pmnt due or “It’s not our problem that the IRS took your paycheck, you need to make your payment to us” or take out a payday loan or call friends and family and borrow the money.. When I expressed that I had tried to no avail and was unable to make a pmnt until my next paydate (11 days later) they said “yes you can and you have until 4pm to do it and call us back with the transfer number”. ?? Now they are threatening to garnish my wages or file a lawsuit. I owe for last month and this month.
Marc - the question has been asked a couple of times above but I see no answer. Can CC legally garnish wages and or sue over this type of loan agreement?