Cash Call harrassment, they call 20 times a day or so and call everyone on your list too. ripoff Fountain Valley California
I was late on the payment, they offered me a deal, I took it. I got low on money, and my home comes first, utilities, etc. They were calling and calling, then they started calling my friends. I had called them back, but they threatened me with default (less than 30 days late?) and payment in full if I did not send a payment right now via Money Gram, drive to Walmart right now. One of them told me if I couldn't make the payments why did I take the loan?
I took the loan in May 2006 and made every payment within less than a week of the due date until late in the year or early this year. They told me I was late on every payment. They threatened me many times with "the next step" or payment in full. Like I said at the time I was less than 30 days. I was even less than 15 days when they started the threats and calls.
I talked to a multitude of people and after Angelia and loud nasty threats, I quit talking to them. They called all my contacts, one of them even told me to borrow the money from all my friends to make their payment and then drive to Walmart and Money Gram it to them. They didn't take I don't have any money as for real, it went right over their heads and that was each one that I talked to. They also told me that after the "3 month" which more like a month deferral, that I had used up my only chance and they could make no more offers.
I just got the less than 24 hours and they close my account call. I never would ever deal with them again. I thought I was going to pay them off right away when I took the loan, but at that time I wasn't able too. At this time other things are more important. I will pay them, I owe them, but they need to learn how to be a lot nicer. I would have kept in close touch, but the threats were too much and I refuse to be treated less than human. I never intended to get behind or default. I fully intend to pay them as soon as possible. They really need to leave my contacts alone.
Janice
Grizzly Flats, California
U.S.A.
5 Updates & Rebuttals
Robert
Buffalo,New York,
U.S.A.
Please read the FDCPA
#6Consumer Suggestion
Tue, July 31, 2007
Read the law completely, especially the DEFINITIONS section at the beginning of the law.
Cash Call is a CREDITOR (money lender) not a DEBT COLLECTOR and the provisions of the FDCPA do NOT apply to them when they attempt to collect. If CC were to hire a collection agency to collect the debt, the collection agency would fall under the FDCPA.
Jerry
Glenside,Pennsylvania,
U.S.A.
Some potential help
#6Consumer Suggestion
Tue, July 24, 2007
Okay, I'm sure you already know that taking a loan from a financial institution that uses Gary Coleman to advertise is probably not the best idea. But that being said, we've all gotten ourselves into desperate situations at one time or another, and sometimes you just gotta do what you gotta do.
Just a couple of other things before I get to what might help. You claim that you made all your payments within less than a week of the due date. If it was on the "before" side of less than a week you're fine. If it's on the "after" side, you are exactly what these types of companies are looking for. That gives them an excuse to charge penalties, which just adds to what you owe.
Another thing...you do owe them the money. Even though personally I think their methods are way beyond unethical and probably could be classified as predatory, you did make a contract with them and there is no getting out of it.
Okay, that all being said...some things that might help. First though, I am NOT an attorney. I am a business person with an MBA, and I have taken courses that I have gotten something from that may help you. And when I say help...I mean that it might get you to get them to stop calling you and people you know.
There is a federal law called The Fair Debt Collections Practice Act. Being that the law is federal, it can only be superseded by state law if the state law better serves you as the consumer. It governs how lenders can go about collecting their debts. I won't go in to the whole thing (you can easily look it up online) but here are a few things that might help:
1. The lender is only allowed to contact the list of people that you gave to them once...and during that contact, they are not allowed to tell them the purpose of the call, but only try to get information to contact you. This applies to telephone and mail communications. See paragraph 804 of the Act.
2. They are not allowed to constantly call you or engage in a lengthy conversation with you just to annoy you. See paragraph 806 section 5.
3. If you want them to stop communication with you completely, you can do so in writing. At this point they have to cease all communication with you, including in face visits, other than telling you they're taking other remedies (in other words process serving or something of that nature). If you chose this route, I highly recommend sending a letter to the company via registered mail.
Again, you probably aren't going to get out of the debt...but you might be able to stop some of their collection practices.
Hope this helps, and good luck.
Jerry
Glenside,Pennsylvania,
U.S.A.
Some potential help
#6Consumer Suggestion
Tue, July 24, 2007
Okay, I'm sure you already know that taking a loan from a financial institution that uses Gary Coleman to advertise is probably not the best idea. But that being said, we've all gotten ourselves into desperate situations at one time or another, and sometimes you just gotta do what you gotta do.
Just a couple of other things before I get to what might help. You claim that you made all your payments within less than a week of the due date. If it was on the "before" side of less than a week you're fine. If it's on the "after" side, you are exactly what these types of companies are looking for. That gives them an excuse to charge penalties, which just adds to what you owe.
Another thing...you do owe them the money. Even though personally I think their methods are way beyond unethical and probably could be classified as predatory, you did make a contract with them and there is no getting out of it.
Okay, that all being said...some things that might help. First though, I am NOT an attorney. I am a business person with an MBA, and I have taken courses that I have gotten something from that may help you. And when I say help...I mean that it might get you to get them to stop calling you and people you know.
There is a federal law called The Fair Debt Collections Practice Act. Being that the law is federal, it can only be superseded by state law if the state law better serves you as the consumer. It governs how lenders can go about collecting their debts. I won't go in to the whole thing (you can easily look it up online) but here are a few things that might help:
1. The lender is only allowed to contact the list of people that you gave to them once...and during that contact, they are not allowed to tell them the purpose of the call, but only try to get information to contact you. This applies to telephone and mail communications. See paragraph 804 of the Act.
2. They are not allowed to constantly call you or engage in a lengthy conversation with you just to annoy you. See paragraph 806 section 5.
3. If you want them to stop communication with you completely, you can do so in writing. At this point they have to cease all communication with you, including in face visits, other than telling you they're taking other remedies (in other words process serving or something of that nature). If you chose this route, I highly recommend sending a letter to the company via registered mail.
Again, you probably aren't going to get out of the debt...but you might be able to stop some of their collection practices.
Hope this helps, and good luck.
Jerry
Glenside,Pennsylvania,
U.S.A.
Some potential help
#6Consumer Suggestion
Tue, July 24, 2007
Okay, I'm sure you already know that taking a loan from a financial institution that uses Gary Coleman to advertise is probably not the best idea. But that being said, we've all gotten ourselves into desperate situations at one time or another, and sometimes you just gotta do what you gotta do.
Just a couple of other things before I get to what might help. You claim that you made all your payments within less than a week of the due date. If it was on the "before" side of less than a week you're fine. If it's on the "after" side, you are exactly what these types of companies are looking for. That gives them an excuse to charge penalties, which just adds to what you owe.
Another thing...you do owe them the money. Even though personally I think their methods are way beyond unethical and probably could be classified as predatory, you did make a contract with them and there is no getting out of it.
Okay, that all being said...some things that might help. First though, I am NOT an attorney. I am a business person with an MBA, and I have taken courses that I have gotten something from that may help you. And when I say help...I mean that it might get you to get them to stop calling you and people you know.
There is a federal law called The Fair Debt Collections Practice Act. Being that the law is federal, it can only be superseded by state law if the state law better serves you as the consumer. It governs how lenders can go about collecting their debts. I won't go in to the whole thing (you can easily look it up online) but here are a few things that might help:
1. The lender is only allowed to contact the list of people that you gave to them once...and during that contact, they are not allowed to tell them the purpose of the call, but only try to get information to contact you. This applies to telephone and mail communications. See paragraph 804 of the Act.
2. They are not allowed to constantly call you or engage in a lengthy conversation with you just to annoy you. See paragraph 806 section 5.
3. If you want them to stop communication with you completely, you can do so in writing. At this point they have to cease all communication with you, including in face visits, other than telling you they're taking other remedies (in other words process serving or something of that nature). If you chose this route, I highly recommend sending a letter to the company via registered mail.
Again, you probably aren't going to get out of the debt...but you might be able to stop some of their collection practices.
Hope this helps, and good luck.
Jerry
Glenside,Pennsylvania,
U.S.A.
Some potential help
#6Consumer Suggestion
Tue, July 24, 2007
Okay, I'm sure you already know that taking a loan from a financial institution that uses Gary Coleman to advertise is probably not the best idea. But that being said, we've all gotten ourselves into desperate situations at one time or another, and sometimes you just gotta do what you gotta do.
Just a couple of other things before I get to what might help. You claim that you made all your payments within less than a week of the due date. If it was on the "before" side of less than a week you're fine. If it's on the "after" side, you are exactly what these types of companies are looking for. That gives them an excuse to charge penalties, which just adds to what you owe.
Another thing...you do owe them the money. Even though personally I think their methods are way beyond unethical and probably could be classified as predatory, you did make a contract with them and there is no getting out of it.
Okay, that all being said...some things that might help. First though, I am NOT an attorney. I am a business person with an MBA, and I have taken courses that I have gotten something from that may help you. And when I say help...I mean that it might get you to get them to stop calling you and people you know.
There is a federal law called The Fair Debt Collections Practice Act. Being that the law is federal, it can only be superseded by state law if the state law better serves you as the consumer. It governs how lenders can go about collecting their debts. I won't go in to the whole thing (you can easily look it up online) but here are a few things that might help:
1. The lender is only allowed to contact the list of people that you gave to them once...and during that contact, they are not allowed to tell them the purpose of the call, but only try to get information to contact you. This applies to telephone and mail communications. See paragraph 804 of the Act.
2. They are not allowed to constantly call you or engage in a lengthy conversation with you just to annoy you. See paragraph 806 section 5.
3. If you want them to stop communication with you completely, you can do so in writing. At this point they have to cease all communication with you, including in face visits, other than telling you they're taking other remedies (in other words process serving or something of that nature). If you chose this route, I highly recommend sending a letter to the company via registered mail.
Again, you probably aren't going to get out of the debt...but you might be able to stop some of their collection practices.
Hope this helps, and good luck.