Complaint Review: UnitedCashLoans / Ameriloan

After paying to many overdraft charges with my bank I found an e-mail for payday loans and because I've used the ones that you can find in just about any stripmall when on a fixed income sometimes become neccessary.

Well these e-mails come all the time so being a bit desperate I figured I give them a try, the first one came back after application was filled out (how many times do you hear not to give this info"bank","SSN"ect. online) with a $200.00 loan from Ameriloan that would be deposited in my bank at midnight, And well that one did as they said.

Then the next week I'm still a bit short so I give the site another try, this time I'm approved for for another $200.00 but by Unitedcashloans with the same stipulations that it would deposited in my account. It never arrived, So upon trying to find contact information, immediately Ripoff Reprt popped up and reveiled all sorts of horror stories about both companies.

Immediately I called my bank and cancelled my account, so hopefully they can't get any money but they still have all the rest of my personal info and I'm sure they will cause me plenty of grief with phone calls, letters & negative markings on my credit report... If you can tell me how to avoid this it would immensely appreciated, and what should I do about the first $200.00? Supposedly the cost on that was $60.00

Carl
Santa Rosa, California
U.S.A.