Cashcall

Okay, I found myself in a financial bind. I got a loan for what was supposed to be $1500.00. However, they took $500 off the top for some fee. Then the guy Issa, who set me up with my loan, told me I could call back after a few months to settle the account for a smaller balance to pay it off without having to pay more finance charges. That I should do this or I would end up paying $4000 dollars for a basically $1000 loan. So I have paid $166.00 for 7 months for a total of $1162.00. When I called to ask for the settlement, the gentleman on the phone said my payoff balance is $1468.65. When I asked about a settlement amount, the man transferred me to a woman who right off started to say I can't settle. But if I wanted to pay it off, I had to pay the $1468.65.

Now, the two men prior to her conversation were professional and helpful. This woman was so condescending and refused to listen to me. Then after I finally got her to stop talking over me, I told her what I wanted. She then refused talking to me like I was not comprehending her. I finally was so upset that I just term my call.

This complaint is against Cash Call for $10,000.00. Paid immediately back $5,000.00. Monthly payments beginning on the 20th of each month $249.50, Cash Call started taking money out at different times and not on the scheduled date. I stopped that transaction and paid $2,500.00 and began to send in $250.00 per month, that is not what they wanted, they started sending threatening letters, ignoring the letters that I sent. I ended up getting sick, and had a lot of medical problems with them still harassing me. After my surgery and when I came back to work, I found that they were going to the courts, I was never notified of this until the garnishment. When I found out, we ended up in court, I did have the garnishment stopped until the court date and the filing of a claim of exemption. In court, the Judge did not want to discussed the fact of the incorrect address on the record, he did not want to discuss me being in the hospital only the fact of the payment to Cash Call.

The claim of exemption was excepted and I was to pay $25.00 per month, which at that time because the had already took money from the garnishment totaling $19,540.00. According to that court date, the balance was $623.00, I have been paying $25.00 per pay period, $50.00 a month and still being told I hold $947.00. We went back to court because I felt the amount was not going down but going up, the judge stated in court the first time, all previous taken to by garnishment and the balance $623.00. While in court on 1/20/12, the appeals judge ask Cash Call to get a balance on that day while we were in court. Cash Call Stated they could not get the sheriff's department on the line, but I did, with the speaker phone on and was told the balance was $216.00. Cash Call could not take that amount, I am trying to pay them off now and not wait anymore, but I cannot get an answer. if I wait until September, I was told $1,200.00, September $897.00. If I pay them off by January 31, 2012, $827.00, this does not sound right, I need a clear cut balance to pay them off.

I got a loan from Western Sky who sold the loan to Cashcall. I only got a loan for $1000.00 and now they say that I still owe over $1800.00. I have been paying on it for over a year and a half and still it seems that it hasn't gone down. I had to close my bank account because of all the overdrafts that they have caused me in that last 2 months and now I have contacted the Attorney General to try and stop them. I feel they are a scam and no one should have any business with them.

I initially took out a $500 loan with "Western Sky", a company advertising on TV. WS put the money in my account and immediately sold the loan to Cashcall / CashYes / HPK / CashJar. I started getting phone calls from Cashcall immediately. My payment was not due for a month, literally. In the span of three weeks, this company called me at my place of work, my cell etc. and left message after message, saying it was a welcome call, to call if I had any questions. I was very annoyed at this and did not bother to take the calls. After all, payment arrangements were already in place so I had no need to speak with them.

Next, I received an email saying they had been trying to contact me to go over any questions I might have naturally, I didn't respond. They continued to call and I continued to ignore them. They then mailed me an informational letter with the details of the loan I had taken with Western Sky and it also detailed the repayment arrangements and my bank acct information. I set the information aside after verifying it was correct. They continued to call. I decided to contact them and tell them to stop calling me, that there was no issue. I asked for a supervisor and ended up leaving a message - requesting a return call and explaining that they were calling me 3-4 times a day and I was tired of this. No supervisor returned the call, instead I continued to receive calls and messages over the next few days.

I finally answered one of the calls, very rudely I answered and immediately requested a supervisor. When a supervisor came on the line, I told her about my voice message from three days ago and that I had never received a call back. I told her I had received in excess of 80 calls over three weeks and that it needed to stop. She did agree to make the calls stop by placing a message in the system. I also managed to get the mailing address, a PO Box, after telling her I wanted to mail in a payment. Two days later, I sent a certified letter to the company (the letter appears below) letting them know they were not welcome to call me again, ever.

This is called a cease and desist letter and they do have to legally comply. If you place a request in writing to any company (even if it's someone you owe money to and have not paid) telling them they are not to call you at your home and/or place of business, they must stop the calls - they are legally bound to do so. After speaking with her I didn't get any calls for about 2 weeks. During that 2 week period, the first payment was taken out of my bank account. Shortly after, I received another call from Cashcall, they left a message about a "special offer." When I got the message after work, I immediately called and requested a supervisor.

After getting hung up on a few times, I did manage to get a supervisor who didn't seem to understand or care out the cease and desist letter. She also informed me there was no letter in my file. I told her the onus was not on me to produce or comply with the letter, the onus was on her company and its employees. I informed her my certified receipt showed the letter had been signed for on January 10, 2012. I also explained this was a legal document and they needed to comply and that they had failed to do so. She did want to know who had signed for the certified letter and I promised to call back once I got home to tell her the name on the receipt.

I didn't make it back until late but I called the next morning. I spoke with another supervisor by the name of Tyrone who looked up my information and then promised to delete all information. He said since the account was paid off, there was no need for them to call me. Needless to say, I was a bit (a lot) surprised. I asked him to repeat that and he told me the account was marked as balance paid and had been closed. I asked him to also remove all banking information and my address as well. He did promise but I am not holding my breath. I will wait until after the payment period has passed and see if they truly did close the account.

I don't know that any of this will work for you, but I am including a copy of the letter i sent. It includes the actual PO Box you need. Don't forget to send a cease and desist letter via certified mail so you can prove they did receive it and the time, date and name of he person who signed. Best of luck and I wish you no more phone calls!

My stepfather was served with papers stating he owed Western Acquisitions/Cash Call $3100 on a loan that they claim he took out for $2500 in 2007 at 98% interest rate. He has no recollection of this. As his POA, we filed an answer requesting to substantiate the claim. A week later, the courts agreed with the plaintiff without providing documentation and say that my stepdad now owes $3600 for an account he has no recollection of and he stated that he would never sign a loan agreement at a 98% interest rate. We need Cash Call/Western Aquistions shut down not only for deceptive practices but also preying on the elderly and our veterans.

I applied for a loan, and spoke to representative Anthony **. He informed me that I qualified for a $5000.00 loan. I only needed and wanted $3000.00. He told me their loans went from $2600 to $5000 for a tier loan with no other amounts in between to borrow. He said that my option was to borrow the $5000 loan and put $2000 back on the loan, that way I would only be borrowing $3000. After many conversations with him to verify this information, I agreed to a $3000 loan for 10 months with a monthly payment of $310.

I noticed on December 10, 2011 that Cash Call tried to take a payment of $498 out of my account. I immediately called my bank and had the payment stopped and the payment was returned to my account. I contacted Cash Call immediately and that is when they informed me that I had signed a contract for a $5000 loan with a payment amount of $498 for 82 months. I did not agree to a $5000 loan, 82 months over the life of the loan would be $41,000 at 116 % interest. This is absolutely absurd, no one in their right mind would agree to a loan like that. They deposited $5000 in my account, immediately the same day, they took $2000 out of my account and left a $3000 balance. They are saying that I am responsible for a $5000 loan for 82 months.

I spoke with Supervisor Nicole on several occasions, trying to rectify the situation, including replaying "some" of the recorded phone calls between myself and Mr. **l. Coincidentally, they seem to have "misplaced" the phone calls where I explained to him that I could not afford such a loan. They tried to offer me a deal and said it was the best they could do, for a $3000 loan with a payment of $310 a month for 36 months at 116% interest. I told them I did not agree to that offer either, that's not what I was quoted or agreed to. Since then, I have had several harassing phone calls from very rude and aggressive employees including supervisors.

I have since mailed a letter to them asking them to cease and desist all phone calls to myself, references and employer. I have submitted my paperwork to my attorney for review. My final comment on this matter is to have this business shut down. I have done some research on this company and found that there is a class action lawsuit going on as we speak, for the same complaints I am making now. This company needs to be shut down so there are no other victims in the future.

I received a loan for $500.00 into my bank account. I was told that I have to pay back 1800.00 which $150.00 will be taken from my bank account every month, no letter in writing. I am going to Better Business Bureau.

I received a loan from this company and they take me to court to pay them $2768 after I've paid for 2 years plus. I pay $40 a month after I paid $2000. They still call me, ask for payroll department, and call me at work hours, very rude customer service.

A text message sent to my phone for Christmas cash advance (dis)service. None, won't call back. No one has done anything since 2007 when complaints began. We must be helpless to stop them, so I just won't play with them.

This company seems like a scam to get your personal information. I kept supplying them with all the information they requested after I was told I was approved for $2600. They kept saying that "underwriting needs to review". I kept giving them very personal info: SS, tax forms, banking info, and pay stubs. They strung me along for five days. They need to be investigated by the states attorney's office which I will contact in Florida.

On October 17th 2011, I called a CashCall agent to see if I can re-apply for my personal loan that was paid off and in good standing in 2006. Although, I hadn't signed any forms or gave authorization for a new loan, my agent told me that I was approved for the same loan of $2600 if I was interested in taking it out. I didn't have all of the documents required and I hadn't given permission to run my credit as he told me this is done once the underwriters receive all of my information. After reviewing how much the interest would be on the loan, I considered that it was too steep for me to pay and decided not to take the loan. I informed my agent and explained to him that I decided not to take the loan. While in the middle of speaking to him, he said,"interesting" and then hung up on me while I was still talking. No loan was ever received, approved, or completely applied for.

Today, November 26th 2011, I received a letter in the mail stating that my loan was denied by CashCall because of my credit score which was a 587 according to Experian and that I had too many derogatory remarks. Recently, I received my discharge for my chapter 7 and had a clean slate. With over 90 days from my discharge and no activity and at the time I considered applying for the loan, which as after my chapter 7 discharge, my credit score was a 644 per Experian.

How it dropped so low is beyond me as that was the only company I had went to at the time. Thus, I can no longer apply for a loan, a job that requires fair or better credit, or consumer credit of any kind due to CashCall's unauthorized credit checks which dropped my credit score nearly 60 points. Please help!

I got calls from these guys threatening me and my family over delinquent loan payments, and I have never even heard of them! They couldn't even get their story straight. First, they claimed I owed them for a credit card, then a house loan, then a car loan, then claimed I cosigned for someone, but wouldn't give me a real name, and claimed it Antonio Banderas! They wouldn't give me the supposed account number or the payoff amount. When I pointed out the messages were to give me another loan, despite what they told me on the phone that I was delinquent, I was cursed out, called names, and they hung up. Then they called back and left horrible messages on my phone for days calling me everything they could think of. I have no clue how they got my number, but when I blocked them, they called from seven other numbers. Finally, I had my attorney write them and demand they provide proof I owed them money or stop calling me. What a surprise, no response. Dumbest scam ever. Why would I even consider taking out a loan from such an abusive company?

Your credit will be no worse off than it is now.

You will have a free bankruptcy. The money will be supplied by another predatory lending cash call company. All collection efforts from both companies will have to stop once the bankruptcy discharges the debts. Enjoy!

I had a judgment against me for $2424.00. My payments were $125.00 a month. Starting on Jan. 1, 2011, I paid on time except September. I was 10 days late on November 8th. I sent the remaining balance of what I thought was $1074.00 to them. They cashed it. They called and said I still owe $20.00. When I went over all my payments, I realized I overpaid on that $1074.00 by $25.00. My balance was $1049.00. I called and spoke to Felix who was very rude. I told him how he came to that figure of the extra $20.00.

He put me on hold for 9 minutes and came back and said, "Never mind, your account is paid in full." When I told him I overpaid by $25.00, he said they were late charges from my September payment being late. Now the judge said $2424.00 from this point on no interest or late fees are to be applied. When I spoke to the Manager "Aaron **", he said if I want my $25.00, I can take them to court. I think this company tells their customers they owe extra so they can pocket the money! When I asked to speak to their supervisors, they were all out!

This is about a TV advertisement for loans from a Native American Tribe with low interest rates. I think ** was the presenter. I signed up for the loan and the tribe promptly sold it to CashCall. I didn't know who CashCall was, but I have researched this company. You should borrow from relatives and pay them off quickly. I have contacted the Colorado Attorney General's Office, and they are investigating. These people should be found and arrested. Good luck! You will pay forever. They have moved into your checking account. CashCall is your worst nightmare.

I had taken out a loan with Cashcall back in 2007 as I had run into financial difficulties and needed assistance. It was a $2500 loan which I was paying religiously; they were doing an electronic debit to my checking account monthly. After falling deeper into financial trouble, the bank account had gone overdrawn and the bank eventually canceled the account. In July of 2010, they had filed a petition against me and started having my wages garnished which eventually led to me filing bankruptcy in September of 2010.

My bankruptcy was discharged in December of 2010 and garnishments stopped but then in June of this year, I started receiving calls from "investigation companies" telling me that I am being charged with internet check fraud due to Cashcall debiting my account previously for payment. Cashcall had been a company that was included in my bankruptcy and then they try and come at me from another angle with a fraud charge. I currently have an attorney working on it and every time some calls come in regarding the check fraud, I just forward them to my attorney. We will see what happens

I was told that my request for the special advertisement on the radio wouldn't apply to me, because I did not need to borrow enough money or have a high enough mortgage. It's not worth their time or effort. My credit is excellent and I met all their qualifications. I feel this is false advertising. They did not pursue my request for refinance at the 8.85 rate quoted on the radio.

I needed the money bad. I paid for five months, fell behind one month and they have not stopped calling me every single day. Dalbert services called today, 10/05/2011, begging us to get money from family friends and have you explain why you have not paid them. I politely have told them my situation and they just keep calling me.

I had the same problems with Cash Call as the rest of these people. I am reading about 100% interest rate and after years of payments, the balance never went down. I found the solution to the problem. I filed bankruptcy and no longer have to deal with Cash Call ever again.

I got a loan from CashCall for $2500 and it wasn't explained to me that the interest was 100% and I have paid $1800 back so far. I called to see what has went toward my principal and they told me $5.00. This is absurd and something has to be done about this ASAP. I need some advice on what to do.

I was looking for a loan and read all these horror stories! Why don't someone get a class action suit lawyer? Please, people, make a stand. Thank you for your feedback. I'm not going to contribute to this company's scamming of desperate people.

It's always interesting to see everyone complain, ** and whine about taking out a loan product (not being able to pay it back) and then blaming the lender for "ripping" you off. First off, the federal government requires lenders to post and disclose all rates and repayment terms and options to anyone getting any credit product. Period. You can claim, scream, yell, whatever that these guys didn't disclose the repayment options to you, but you just didn't listen. Second, with all APR's listed on their website:

$1,500 @ 194.70% APR

Why in the world would you consider this a "prime" lender? These guys wouldn't be charging you Loan Shark rates if you had good credit (or if you actually had another choice for a loan product). Most importantly, if you apply online, the final application page requires you to click "accept" to the paragraph that specifically lists the rates as to their current rates. You also agree to repay the amounts, along with agreeing to repay the amounts according to a repayment schedule that was made very clearly and apparent to you. Use your brain people.

Third, yes, these people are crazy expensive. Yes, they probably have collectors that are rude. Yes, they probably deal with people that are dead beats and enjoy taking out loans, defaulting on those loans and then blaming the world for their financial ruin and inability to use logic when deciding to take out a $300 a month loan payment --when they work at Burger King making $400 a month.

I am a current customer, because I was in a bind and needed a way to pay off a few items. The loan rep was so ridiculously honest, it was almost uncanny. I chose to apply over the phone and he was so beyond truthful, even going to lengths to say "this is probably not a loan that you want to keep out for anywhere near the 47 months because you will end up paying nearly $15,000 to CashCall, which is ridiculous". He repeated himself on a few points and made sure I knew what I was getting in to. Those of you upset because bill collectors are calling your house, demanding payment on a loan that you took out, should really be ashamed to post on sites like these. I'm glad I'm not a lender. If you borrowed from me and did crap like this, I'd sue you faster than you could spell the word sue.

If you don't like the terms, don't apply. If you want to blame companies for 'getting you into debt', consider this: Who was the person who clicked on the "accept" or "apply" button? Who was the person who spent the money? Yes, I figured you would agree.

Good luck all! I know that I'll have my loan paid off within 6 months, knowing that I'll actually have to pay more than the minimum payments to ensure I don't get screwed with all that interest and I'll definitely use these guys again if I find myself in a bind. If you still think you have been 'mistreated' and that it's the lenders' fault for putting you in this situation, write to the BBB and to the Office of the Comptroller of Currency, and let them know your concerns. I'm sure you will be blaming the government after you get your reply, as they will remind you that you signed the loan docs and agreed to pay the loan according to the loan docs you agreed to.

Few of the things I have experienced from CashCall are continued harassment, rudeness by agents on phone (they refused any settlement with me), and scold/shame tactics. They have instructed me to sell or pawn my personal belongings, borrow money from family or friends, and to take out payday loan just to pay them.

I inquired about obtaining a small unsecured loan to assist in paying my college tuition for this fall. Initially, according to my online application, I was declined a loan due to previous student loan debt and a credit score that wasn't exactly great, so to speak. Within minutes of receiving an automated email from CashCall indicating that I did not qualify for the loan, I received a phone call and an email from a Senior Loan Agent stating that I was pre-approved for a loan. The amount of the loan was unspecified nor was there any information with regards to interest rates and a pay back plan.

The CashCall loan agent asked that I submit to him my ID, bank statements, most recent pay stub and a voided check. As soon as I sent these documents, he kept pushing me to sign for the loan, despite not informing me the loan amount, interest or how I was to go about paying the loan off. The loan agent's frequent calls and emails pretty much raised a red flag and I declined the loan. Despite declining the loan over the phone, I continued to receive phone calls morning, noon and night for another two days. That is beyond annoying and unprofessional.

I'm glad I did because CashCall appears to be a scam. CashCall supposedly helps people out who are in need of fast cash but in reality, burns people already in debt by tricking them into accepting a small loan without knowing the interest rates, which puts the borrower at the mercy of CashCall. We all have hard times, but whatever you do, no matter how bad you need the money, Do not enter into a loan agreement with this company!

In June 2007 I was having financial issues and needed a loan in the amount of $5000.00 to help me pay my bills until I could do better, I applied for this loan thru CashCall and was approved for said amount. From June o7 to present I have paid these people $8631.51 and my payoff balance is still $4093.11. This is highway robbery at the time I took this loan out I was desperate and needed this loan not realizing the price I had to pay for said loan. I started out repay $266.16 and only $4.51 is being applied to the principal on my loan. Today I pay $161.17 and only $41.00 is applied to my principal. When said loan is paid in full I will have paid them over $15,000.00. I live in Pennsylvania and I'm not sure if this is even legal in our area. Please help me with this matter I can't continue to keep paying these people this kind of money, I'm on social security and have to watch ever penny I have. Please feel free to contact me at the e-mail or number I have listed below.

I received threatening phone calls. I have explained to them I am intending to pay in full. They are stepping up the heat in harassment.

We called for a loan. We were told the interest rate would be 30% so we said 'ok' to $2100.

After we received the money, we got paperwork from them stating the interest rate was 99.49%. When I called them, they told me that was what I agreed to but it was not. They got nasty with me so I refused to pay. They now have a lawyer contacting me, threatening to take my car, furniture, jewelry, electronics, etc.

They refuse to tell me how much is owed.

I recently did a mortgage with Cashcall mortgage which all went ok. About month after the loan closed, I had an Identity theft issue where someone had my SSN and driver's license info. They attempted to open several accounts and were able to get one opened. $560 was charged fraudulently. The address that was used on the fraudulent applications was my property address which I've only ever provided for the purpose of doing a mortgage. There's no concrete evidence that Cashcall allowed my personal evidence to be compromised, but use of the property address and several other bits of circumstantial evidence lead directly to them.

If you are thinking of borrowing money from this company, don't do it! They are the biggest rip-off I have ever seen. How this is legal is beyond belief. If you do borrow money, don't let it go past a couple of months. You will owe more than you borrowed even after making two or three payments, but you can cut your losses!

Before I changed my number they contacted me about the loan and I told them after all the people they have did wrong I was one of them great customer they didn't want to ** with! So stop calling me cause they're not going to get **! So beat it!

In 2006, I was working a dead-end job. I wasn't getting paid as much and bills were behind, and I had received a card in the mail, "$2500 will be wired to your bank account in 24 hours," so I called them up and they told me all I just needed to do is fax my ID and a blank check, that's all I needed. At the time, I didn't know the rates or anything because it didn't say that on the card. So that's why I didn't pay attention. I was paying about $214 a month out of my checking account and I noticed that the principal was still the same. I found out the interest rate was 99%. There was no point of paying it, so that's why my credit just dropped. I was getting phone calls everyday, morning, nights, 24/7.

They told me that didn't pay them that I would go to jail, etc. stuff that would scare me. So they would keep taking funds out of my account that I didn't even have leading to overdraft fees. My bank end up closing and had high balance. So through the years, I've been trying to fix my credit, but the CashCall is ruining everything. I recently called them last year in February. CashCall had sold my account to state claim adjusters. I tried to negotiate, but they wouldn't. They just told me that they would freeze my interest and have me pay that first, then my principal. They told me my balance was $8901. How can that be when I only borrowed $2500? So it's just too insane and not worth paying for to these loan sharks.

It's December 2010 and I want to contact them, but none of their phone numbers listed are valid. I'm trying to fix my debt and they are the only one that is affecting it. So I need help please.

I received a call on Saturday, November 13, 2010 around 5:00 p.m. from Eric *** who claims he was a Supervisor at Cash Call. The representative that called me on Wednesday, November 17, 2010 did not know who Mr. *** was. The conversation started off pleasant and as the conversation continued, Mr. **** tone of voice began to change and he became rude.

I was transferred to Mr. ******** voice mail. I left a message for him but I haven't heard from him yet. Cash Call has literally ripped me off and I know this. I borrowed $1200 from them two years ago and I still owe them over $2,400. There is no way!

These people call me all day! It is sickening! It is stressing me out. They call from different numbers from different states and they demand you pay them; when you tell them you are in a financial bind and you don't have the money to pay them, they do not care. There has to be something that can be done about this company. I have read all of the complaints about this company and it is unreal. I am pleading for help at this point.

My story is the same as the others. I needed cash in a hurry and now I'm up to my ears in debt to this terrible company. This is criminal. They are ruthless and prey upon desperate people. I will look to file a law suit asap. I hate this company. Something has to be done to stop them!

For the record, we will call me "Dumb". Well, I'm just going to tell you a little about my education and then you may see how I got myself in to this mess. I was in special ed. I was a very slow learner. And I can not comprehend things like others or understand as well as I should. For that reason, Cashcall took complete advantage of me because I told the person on the phone that I did not know how to use a computer and he said that he would walk me thru it.

The computer that I was using was having problems. As I remember, I was directed to another site and God knows I did not understand what was going on but Cashcall did. I told the guy I was unable to see the screen and he sad to not worry, he would walk me through it. Then I saw some numbers on the far side of the screen and asked what those numbers were. He said not to worry, they meant nothing. To make a long story short, at that time he, or I say we, entered into a scam and I was the ham being scammed. So really, I don't understand. Can someone call me and tell me what court in the word can let a child of God be scammed? Well, mentally, it cost me extreme discomfort on my job where I would lash out at workers I work around because they would call my job every day.

Cash Call, Inc. are crooks! Do not every borrow money from this company. I have been paying for 3 years and my balance has gone down $200! They are evil loan sharks that prey on people in need! I borrowed $2600 and have already paid over $3000 back and now they want me to pay additional $3600 to pay off this loan! Karma will get each and every one of you for your evil deeds! I hope you get sued for nothing- because that is all you and your company is worth!

My sister and I both applied for a loan from cash call. We needed some immediate help in our household and with helping to take care of our parents whom were not working.

I received 5000 and my sister 2600. We have been paying these loans on time every month since 2007. Our balance is still the same. It has not changed from what we originally borrowed. We are not trying to not pay the loans back , but we feel like we are being robbed.

We are regular people trying to pay our bills and maintain good credit. They are robbing people and something needs to be done. It is not fair. I feel like in 2 more years we still will owe the same amount. I understand interest has to be paid and companies have to make some money, but this is not fair. I ask that someone please help my sister and I. We are paying them together over 500 per month. We could be doing something else with the money. This company needs to be investigated and some help needs to be given to the common people.

I was given $2600 from these guys in 2006 and at the beginning of this month, I made my last payment. This "only way out" loan cost me almost $10,000 over the last 3 years. I paid a late fee only 4 times over the period. I absolutely hate this company. They called me on the morning of the 1st of the month every month to see when I was paying them. I have never been so annoyed and aggravated at a company.

Even after 3 years of payments, the very last payment produced a phone call from them on the 1st wanting to know exactly when I was going to make it, haha. For anyone thinking there is no way out of your financial situation, believe me, Cash Call is not your solution. Stay completely away from this. I have paid $7000 in interest. That little loan cost me nothing but problems for 3 years and was not worth their gracious $2600.

Originally they called me in April and told me I had bounced a payment to CashCall. I told them I never had an account with them. Then they named a company I did have an account number with. They threatened me with jail time if I didn't pay $950 immediately. I did this out of fear. When I called the actually company, I had an account with them informing me that it was a scam. This 'CashCall' company had all my personal information including my bank account number, routing number, social security number and credit history. The charged $400 on my checking account and I had to close that account and open another.

The police and bank told me there was nothing I could do because I did not have an address for the company and the phone number no longer worked. Four months later, the phone calls stared again. All the callers are from India and barely speak English. They have the same information, just not my new checking account information. The repeatedly threaten me with liens and jail time. I spoke to them once to try to get their address, but they said they would give me that once I paid the account.

I still do not have an account with CashCall. I can prove they never issued me a card or made a deposit into my account. When I spoke to get their address, they informed me they were officers working with the FDIC. I have been ignoring the calls as they are nothing but **. The phone number they had me calling had a (646) area code. I cannot find the rest of the phone number.

I have had this loan for 8+ years and made the monthly payment every month on time. On Jan 2009, I was injured and in April 2009, I was let go from my job due to my injury where I made a salary of $70k a year. I was put on to State Disability and still managed to pay Cash Call every month. At one point though, things were getting very hard for me to keep up with all my expenses so I contacted them and they gave me a 4 month grace period. I was very happy.

I finally had surgery in Feb 2010 but my recovery has not gone well. I had exhausted my disability benefits in April 2010 and was put on unemployment. I went from having my own place to nothing and not able to afford anything but my day to day expenses. I contacted them again and explained what happened. I received 1 month grace period and a call from a man who said, "we understand your situation and call us when your month is up and we will work something out for you if your settlement has not arrived yet." I sent signed papers and copies of my ID showing my new address and my new last name as I had gotten married in Jan 2008.

When I called to let them know the status of my lawsuit and that I still had not been able to go back to work, they accused me of never sending my new information etc. Thank God, I had the fax transmittal indicating that I did.

Prior to getting married my name was exactly like my mother's except I had a middle name. They called my mother a 72 year old disabled, very sick woman and accused her of the past due loan, etc and never verified if she was me at all! I have repeatedly given them now my new last name, my address and my telephone number.

Today is 9/30/10 and my mother received a statement from them again at her home where I do not live on 9/28/10. I just called them a week ago and said that they can come take blood from me if they would like but I have nothing else to give them. I have every intention of paying them as soon as my settlement settles or I find a job. They want me to borrow from someone, I don't have anyone to borrow from. I am the youngest in my family and everyone else is either unemployed or retired and can't afford to loan me money.

I was approved for a loan in the amount of $2,600. I advised the rep. that I only wanted $1,500. He stated that I could send $1000 back and make payments on the $1500. Well, I thought what the heck, and did not send the $1000 back. I am still paying on the loan. Three years later and I still owe $2000. What? I know this a ripoff! I have paid back over $6,000 already. I am unemployed and scratching for money, and this company will not assist with this situation. I offered a settlement of $400.00 and they didn't even return with a response. Isn't $4,000 enough. I spoke to a rep who advised my interest rate was 96%! How greedy can a company be. They are crooks and take advantage of those in dire straights.

I am currently trying keep my already damaged credit score intact but Cash Call is making it very difficult. I lose sleep and have tention headaches as a result of this unethical company. I have three kids in college and my money is gone. What can I do?

I got a loan from Cash Call of $2600 in August of 2007 with payments of $216.55 a month. I have been paying them on time for the last 3 years and the total is about $7800. Can anyone out there do something about them? In this time and place that we the people are in, we can't keep up with paying this kind of money to them. We need help, please.

I was desperate for some financial relief in 2006. I made the mistake of calling cash call instead of using a pay day loan company. I borrowed $5000.00 and everything went smoothly and moved along quickly. They asked me to fax this, do this and this, and I will get the money! I figured I would just get a copy of the contract sent to me, because I foolishly never asked. I mean how bad could it really be, 50% interest maybe? Yeah, that would be terrible. I have since tried to get a hold of someone, here and there. Half-heartedly not thinking much of the fact that I only received a tri-fold little flyer stating my account number, my first payment due date on 9/1/06 of $366.75 and electronic payments of 250.31 will follow on the 1st of the month.

It doesn't say how many months, or an interest rate anywhere on this little thing. Now, here I am 4 years later, I have paid into this scam $11,881.01 as of August 1, 2010. Today they called and wanted payment (I stopped payment with the bank, knowing that I could and would talk to someone then). I was informed by Elena ** that I still owe $18,272.63 on a $5000.00 loan that I have already paid $11,881.01 for! Now she tells me I must have agreed to this because by law they have to disclose this. Where do they disclose this, on the contract I never got? I have paid faithfully every month on the 1st for 4 years and now, my credit is going to ** because I just added numbers up? Shame on me for not paying attention. How do I get out of this? Isn't over 11 grand payment enough on a 5000 loan? What do I do, I am so worried. I am at a loss! They will sue me if I don't pay them.

These guys have, what's coming to them. I tried to use them a few years ago, and they turned me down. I was looking into attempt number 2, when I found out about the above link.

I had made a call to this company inquiring about a loan. I gave my information to this person. He said, "Okay, I need this other information, so we can process your loan." I had told him I was going somewhere, that I didn't have access to a fax. So he said, "Soon as you can get those papers I requested to me, we can fund your loan." He told me I was preapproved, that my income met their requirements. I got all my information together and faxed to him. He told me my driver's license was a bad picture on the fax, so I sent him another. Then, he said that was fine. He questioned why I had an Arizona state license. I told him that it's because we have a place there, as well as in California. Then, he told me all I have to do is go online and do an electronic signature for the loan to be deposited into my account. He stated the terms of the loan, and to pay it back in 60 months.

When I added the total payback, I told him I would be paying back over 10,000 dollars on a 2500 dollar loan. He then stated, "We do that so you will not default on a loan and it will make you pay it back on time." I had told him I could pay the loan back in 5 months because I had just started school in Arizona, and that I needed the money for expenses for school. Then, he said, "Okay, let me take this to the underwriter so he can go through all the paperwork." I said, "You told me it was approved already. Now you're saying it has to go through an underwriter."

Well, what it was is they didn't like the idea of me paying the loan back in 5 months. Then, not even 1 minute into our conversation, he told me my loan was declined. I said, "You told me everything went through and just needed to do an electronic signature on the computer." He then stated that he don't know why the underwriter denied my loan, that it was some discrepancy on my credit. He said that I would get a letter in the mail stating the reason why. So instead of getting a letter, they sent me an email not even stating the reason of the denial of my loan.

They gave us a $2500 loan. We paid on time and ran into problems. I called and asked them not to draft our account. In a month, they OD my account about $1000. Bobby J. from cash call called my house about 10 times. At first, I was polite. I told him I did not have $. He called me names and I lost it. I took phone off the hook and they called three of my neighbors at 9 pm telling them it was an emergency. This is a violation of the law. One neighbor, he told we were dead beats. Lost my checking account. Had to go bankrupt.

I have been paying on a $5000.00 loan since 2006 and I now owe more than I borrowed. These people call me all the time. In the four years I have been paying, I am getting nowhere with paying it off. Please, if there is any help out there to stop these people, someone tell me.

I borrowed $2500 in January of 2010. My payment is $299 per month. I've paid for 5 months, lost my job and asked to work with them. They attempted twice to deduct money from my account and I was charged for 2 insufficient fund fees that they refused to repay. They offered me 4-month deferment. I applied for the program, a supervisor responded that I did not pay for 6 months consecutively so there was nothing they could do to help me except one month deferment. I've attempted to work with them for a payment plan that I can afford and they refused to help! This financial situation is horrible and they prey on people like us! I get 6-8 calls a day, my family and friends are being harassed and I am looking to bankruptcy to get away from this situation. The constant calls are frustrating. I want to work, then I can repay my debt. They are horrible!

I got a loan from Cashcall about 2 years ago for $2600.00. I have been paying them a monthly payment of $216.55. I have almost paid twice the amount that I borrowed. These people are like sharks. Economically, this has caused me to be late with other payments and sometimes I am late paying them which causes me to have to pay them a late fee. I now owe them several late fees.

My husband and I were in a financial bind approximately three years ago. We saw Cash Call advertised on TV and thought that since it was on TV and backed by Gary Coleman (bless his soul), it had to be a legitimate finance company. Oh my, how stupid we can be! We borrowed $5,000, we have paid back over $9,000, close to ten, and I refuse to pay any more to this rip off company. They did not explain exactly what the interest rate would be in the first place but we assume (again stupid of us) that it would be an average rate for a personal loan.

They now call us from numerous numbers at least 8 to 10 times a day. I will not answer the phone and I am writing them a letter today, stating that we are not going to pay one more dime to them. We are on a fixed income as my husband is 100% disabled and I can only draw a small amount to his social security.

I got a $10,000 loan through CashCall when I got my new house back in 2005. I have paid back $20,000 of it and the loan amount is still $9000. There are ridiculous interest rates and I lost my house due to money problems. I am still struggling and stressed because I feel like I will never get back on my feet with having this loan. $340 a month taken out of my credit is terrible right now due to my foreclosure. I want to be able to save money and buy a house some day. I've seen all these complaints on this company. Has anyone had any luck? Let me know, please.

cascall loaned me 2600.00 and i paid 216.55 for 2 years and then when i stopped paying the sent a credit collection agency to threaten me and reported me to the credit agency's and ruined my credit their interest rate is ungodly and they prey on the needy and charge 3 time what is needed to bepaid back talk about loan sharks

I've had a loan with CashCall for 2 years now, originally $5000, I've paid over $7,000 in the past two years, well I just had a baby and its been challenging to pay, there have been two occasions which CashCall has overdrafted my account. One time they refunded the money (duplicate payment) to my old bank account that was previously on file and the second time, I wanted to changed the EFT date, they took the money anyway and still had the second date on file, after fighting with them and sending documentation to them (two -three different times, different documentation) they never did refund my money, I told them to keep it, I'll eat the loss, and to remove my EFT, which they did, since then, they've been calling me, everyday, from multiple numbers to both numbers they have on file. I've explained to them that I've got added expenses with the newborn and that its challenging to pay them, they offered no assistance, I've been trying to avoid them, but realistically, its stressing me out. I do understand that I incurred this debt, I would love to resolve it to where it is affordable to me and less stressful, but judging from the tone of the man I spoke with last time, there is no compromising with them. I want out! I want out! I want out, I've created this mess and now can't fix it.

I had a loan with Cash Call back in 2005 ... Although I've paid back more than the $2500 originally borrowed they say I still owe $3500. and they have GCFS suing me for it

I am a single mother work just to keep a roof over my head, cashcall and greater california finance collections has made it very hard to get back on my feet. All I can pay right now is 50.00 per month I will be paying for the next 10 years. Due to what seemed to be something helpfull in time of need has has made my life a living hell

I borrowed $2600 from Cashcall. When I received the money, it was only $2491. I wanted to pay back the money early, but that had increased the amount to $9000. They have reported this on my credit, and I never received any contact of this or had no knowledge.

I got a loan of $2500 from them in 2005. I made all the payments but later realized on my credit they reported I owe $ 2,300. I tried to contact them to resolve this but had no success. This year I got my credit report and noticed they have charged off that loan and filed that I have a new loan of $6500. I never got another loan with Cashcall. I am looking to file a claim with the district attorney against Cashcall. They ruined my credit for 5 years and now they have started the damage all over again.

I got a loan of $2500 from them in 2005. I made all the payments but later realized on my credit they reported I owe $ 2,300. I tried to contact them to resolve this but had no success. This year I got my credit report and noticed they have charged off that loan and filed that I have a new loan of $6500. I never got another loan with Cashcall. I am looking to file a claim with the district attorney against Cashcall. They ruined my credit for 5 years and now they have started the damage all over again. These crooks need to be stopped. They are the reason the economy is in such a mess.

On April 13, 2010, I received a copy of my credit report, which showed that I still owe Cashcall Inc. $2,075, which was settled and paid in full on 8/24/09. When I called Cashcall to see if they were able to send the judgment where it shows 'paid in full' to credit bureau they decline. They stated that I contact the court house where the judgment took place and that they were responsible for sending the update. I called the court house and spoke to the manager. She stated that all they do is file the judgment in their records.

Cashcall, being the creditor, is responsible for sending out the updated information. Per Cashcall, they never update any correction. Well then if they can add the names to the credit bureau, they can update the correction information too. All Cashcall needs to do is send the paperwork where it shows it was paid in full, and they decline.

I borrowed $5000.00 from them about 3 years ago. I have paid faithfully every month $255.00. Every time I called for a payoff amount, it's always $5100.00. They automatically debit my checking account every month. Doing the math, I believe I already paid the $5000.00 and them some.

I have reached a point where I don't think I am going to be able to keep paying them due to my wages have dropped. I so desperate I am thinking of filing Bankruptcy just to get rid of them.

I'm continually harassed by Cashcall. They have debited my checking account over and over when I've tried to explain to them I could not make a payment which causes all other payments from my checking account to bounce and I have to then pay the NSF bank fees. They are charging the 59% interest which like others I didn't know until after I got the money. I've paid them for 5 years with no relief.

I have a loan with Cash Call that has already cost me a small fortune. The loan is for a period of 42 months. I have never missed a payment but I am told my loan will not be paid off until August--two more months than it should be. I had a payment returned in January and they went into my account unannounced and took $30 in fees after telling me I had to send the fees by mail or MoneyGram. The returned payment fee is $15. My February payment was also returned but represented and cleared my account. They have drafted another $30 from my account and I don't know why.

I do not have extra funds in my account to cover unexpected drafts from my account, so needless to say, each time they do this, I end up paying for checks that would have cleared my account if Cash Call had not gone back into my account. I am really struggling to make ends meet. They also will not stop the automatic drafts from my account. What am I to do? I will never use this again, no matter what! This is a real nightmare--a rip off company!

In February of 2008, I took a loan out over the internet. Smart move will anyone think when you're good paying this company back. Well first thing I know, they were talking more than what the payment was for. If that was bad, the woman on the phone told me in June of 2008 that my internet was going up. I was all giving them 99.7%, they said it was going to be 125% and that's not all. I get a call every two weeks of when I could make the payment, which was about September or October of 2008. Well, things got really messy about January of 2009. I picked up paying them again. It was my debt.

I had to try and pay it the best I could and it went good for about three months. I lost all of my SSI. I am on disability and had two boys at home with me. Well anyway, I lost my home with my boys we lived in. I'm homeless for about two months, me and the boys didn't know where to turn. They then hunt me down at the shelter. I told them I had no money to pay them and they want me to send them the $150.00 I got from SSI. I told them to kiss my **. Well, they didn't like it one bit. Anyway, I'm back on my feet. Me and my boys are in our home and I still get these bills from Cash Call. But I found out that they don't do right in the state of VA. Sue these ** for sham to avoid state regulations in predatory loans. I was told by some nice attorney not to talk to them, call or write them. They do not have my new phone number.

I borrowed $2500.00 dollars in 2008. I have been making payments on time, but the balance never seems to go down. I never received a copy of my contract either by email or regular mail. I called once to see what my payoff was and was told all the payments I made would first go to interest and then to the principle. I have thought about filling a bankruptcy. What should I do?

Orlando neglected to tell me that I would be paying three times the amount that I was loaned. After almost four years, I have not been able to pay them back. I lost my job and they did not care. They want their money and will not negotiate any lower payment plans. They call me day and night. They threaten to take me to court every time I take their calls. I am scared to answer the phone because I know it is them. They took advantage of my time of need and I feel like I am drowning and have no way out.

I want to pay off this loan asap but I do not have all the money now. I have been paying on this loan for almost 2 years and I still owe the same amount. I called and they absolutely refuse to give me a dollar amount that I can pay each month beginning March 2010 to have this account paid off by December 2010. I am very very angry because I have been scammed into believing that I could have this paid off by now. They told me that I could always call and get a dollar amount to pay each month until the balance is paid in full and it would take about 2 years. I want to start now and they have all this interest added onto the loan payment. Can you help?

I was guaranteed a 30 year fixed interest rate with a no cost refinance loan. When I received the good faith estimate, the rate was correct but my loan amount was raised by $5000. Somehow the no cost loan was hidden within the loan. Then, possibly by chance my identity was stolen within the same week that I gave Cash Call my personal information. I contacted Cash Call and for some reason Dino my contact does not work there any longer and they have no information or reason for me.

A follow-up to previous posting. What you can do: Whenever one of your creditors uses a third party to collect a debt, that third party is obligated to follow the rules of the FDCPA. There are several things that a debt collector cannot do under the FDCPA. They cannot:

g. Disregard a written request from you to cease further contact.

Here is a sample letter you may use:

Dear debt collector,

Pursuant to my rights under Federal Debt Collection Laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the (your state here) attorney general's office. Civil and criminal claims will be pursued.

(Your name)

I had tried to make a deal with the "lawyer" who said he represented cash call. He wanted all of the money--$7,500.00. I have been now sent a notice that any bank accounts, loans or wages can be attached. Do this people before it gets to this point! You do have rights! And loan sharks like CashCall have to be stopped!

Silvia from Cash Call has called my work phone numerous times, claiming that I requested a call, which I did not. She would not describe how my information was received or if anyone else had used my private information for one of their "loans". I just want to make the public aware of their unjustified practices.

Is there any one who can actually help? This is nothing more then a present-day mafia loan shark. Shame is, you who can help probably read this mail and laugh at us, fools, who trust you to protect the hardworking person from crooks like this Cashcall. Maybe, you will call me personally, since you have my number and you can do your job in getting the hundreds of us who have been swindled, so we may take action against these thieves. I am sure I will hear from you soon, about as sure as I am that you are now having another good laugh at my expense.

Try this: I borrowed $5,000 2.5 years ago from Cashcall mafia, and after paying $250.00 a month which rounds out to something like $6,500.00, I now only owe about $4,900.00. The only chance I have is that I am 77 years old with no family, and hopefully, I will pass on before they can squeeze the last drop of blood money from me. I figure that's about the same odds I have of you doing anything to help any of us who write you in our anger and give you a moment in your life to enjoy the laughter.

I just did a loan through Cashcall, and they sent me to different site, and gave me two different loans, through two different places, and did not deposit the money into my account. I couldn't retrieve any info, because the computer crashed. Please call me to help, to find out what they did. They have all my info now. Nothing happened yet. This was done on January 12, 2010, at 11:20 AM. I'm afraid something will happen.

I borrowed $2,525.00 from cash call 9-01-08 I have made payments of $216.55 for over a year and still owe them more money than they loaned me. I was not aware of their interest rate of $99.24 until I asked them to send me a copy of the loan. They never one time told me it was that high when I got the loan. They call my home at least 10 times a day every day. I do not want to answer my phone I am out of work right now and still try to pay. But they will not work with you at all.

I was contacted by a Mr. M, who claimed to be an atty. for FRA, Inc. Threatening me with wage garneshment if I don't pay 7500.00 for a Cash Call loan of 2500.00, I made an agreement with Cash Call to settel for 3300.00. But now this FRA is threatening me.

Well I don't have funds to pay right now while I'm on disabilty funds. She would give a chance to speak on my behave. As a consumer I have the right to respect at all cost, and I felt belittle . So this company will no longer get no more money from me. I will be further with this complaint.

I spoke to Mr. G at cashcall and informed him I could make small payments each month to pay this loan of and he told me i would be charged $30.00 a day. He stated he would need at least a $100 or more to stop the court claims plus $200 a pay period. They would also call me at least 3 or 4 times a day at work. This was after I instructed them not to contact me at my place of employment. On 11/12/09 a gentle came to my job and served me with papers for small claims court. He failed to identify who he was and simply left after service.

I took out a loan 2 yrs ago. It was 2500. and I have had automatic payments; which I did. But since everyone is out of work and all my money has to go to rent and electricity. I tried to get them to work with me. I paid the 2500. back as far as I am concerned. But they say I owe that plus 100 percent interest. This company needs to be stopped. I agreed to pay them which I have. But they also agreed to lower the interest rate, and let me start over at 106. a month but now they are demanding more money that I have.

Update: Cash Call apparently didn't receive a payment I had mailed. So, they sent me an email offering a deal to cut payments in half and re-amortize my account, even drop the interest to 47%. They gave me a deadline of Oct. 29, 2009.

HOWEVER: On Oct. 23, 2009, they tried to withdraw $216.55 from my checking account without waiting to see if I accept their offer. The ACH withdrawal was attempted without my permission. In fact, I had sent Cash Call a written form stating that my permission for their ACH activities was withdrawn.

Now, why would they give me a deadline, then try something sneaky before that deadline is even up? How can I trust a company that does that?

When I called them, they admitted it was their fault, but did nothing to correct the situation. Sneaky, dishonest practice. After they did this, I cancelled my permission for them to withdraw funds via ACH (electronically). A few days ago, they tried withdrawing $216.55, knowing full well they no longer had permission to do so. Payments are being mailed to them. Dear Jessica of Cash Call, please explain THAT!

This is just a follow-up comment after reading multiple postings on your site. My comment was posted on 9-8-09. First, a lot of people don't understand how interest works. Interest is a measure of a company's risk in lending to you. They do a "soft credit" analysis and determine interest from that. Mine is 34% - I make 6 figures/year and am in no danger of losing my job with the recession.

I AM shocked at interest rates in the 90+% range. I KNOW I'm not their typical client. My payback for a 10K loan is 12 years, which I have cut to about 3 1/2 yrs with consistently making large and extra payments. My advise to people who are being harrassed by them is to look into your state's definition of "tortious collection practices." They cannot make non-stop calls daily, harrass you at work, call at weird hours like midnite or 3 AM, and other restrictions as well. If they are taken to court for tortious collection practices, it CAN cost them the balance of your loan as a punishment, or at least a good portion written off. They depend on the average person NOT having that knowledge which is how they get by with it.

If you read my previous post, the follow up is that I told them to record the payment on the day I made it and to calculate the interest correctly on that date - I would be checking. The were to post it immediately and if they didn't, I'd use the tape I made (I taped them at the same time they were taping our transaction so I could prove I authorized the payment days before they even posted it.

Taping someone in CA without consent is illegal - to which I told them to sue me and we'd compare crimes - fraud is worse). ALWAYS tape ANY conversations you have with their collections department as well as times, dates, and number of calls per day. It will help you prove tortious collection practices.

Even though they took the money out of my account 2 days after it was authorized, and didn't even post the payment on the payment history (a DELIBERATE attempt to defraud me, increase their interest, and prevent me from an early pay off, they did as I demanded - posted the payment as of 9-1-09, and correctly calculated the interest.

I took out a loan in the amount of $2600 and the interest rate was 99.07%, I was desperate and so I signed for the loan, after making a couple of payments, I decided I would never finish paying them at the amount and went ahead and paid the loan in full, which was not reported to the credit bureau, so this didn't even help at all.

My Husband took out a loan to Cash Call for $2700-. We pay 216.55 every month and have never missed a payment. we have made a total of 14 payments and now have enough money for a pay off. we have already made above the amount of the loan so we wanted to get a settlement because the laon was at 96%.

so we asked for them to except a payoff of $1500. they said no. then we ased for $1800. they again said no and said they would take $2000 and oh by the way we need to make 2 more payment's of 216.55. We do not have this kind of money and I feel they are sharks who would rather everyone loose everything they have.

We are having a hard time staying afloat. we can't afford food most of the time and our bank is overdrawn. we just want a settlement of no more that $2000 since we have paid $3031.70 for a $2700 loan.

i recieved a loan from cashcall in the amount of $5000.00 at a interest rate of 59.99% i contacted them last week to see if i could lower my interest rate and they told me no. i contacted cashcall about lowering my interest rate from 59.99 % that i had been paying on for 2 years and they told me that there was nothing they could do. Upon completion of my phone conversation with them i pulled up the better bussiness bureau of delaware and filed a complaint with them. well today i recieved a call from cashcall, they informed me that the better business bureau had contacted them, and they where sending out some paperwork for me to fill out and return. upon recieving the new paperwork they where going to lower my interest rate from 59.99% to 24.99% dropping my payments from $254.00 down to $140.00 a month. so evidently the complaint to the better business bureau did some good in my case.

i think that they charged too much Interest, and that they should be put out of business and give my money back.

we got the loan in 2007 and we are still paying on it and owe a balance of $2116.37 as of sept 24,2009. They are charging us interest of 96.00% per annum. After 2 yrs seems to me we havent brought this loan down at all and we will be paying on it for the rest of our lives.

I always enjoy when a rep of the offending company comes on here and tries to defend its practices. So you say that they should read the contract? How about when you give a contract, all in English, to someone who speaks and reads only spanish? Someone who has claimed to never have received anything in writing in Spanish? Sure you may talk to them in Spanish, but then what? Then they are stuck with a crappy loan because of your deceptive practices.

I took out a loan with Cash Call in 2007 to consolidate my credit card debt. My interest rate is 34%. The payback on the $10,000 loan is 144 payments, or 12 years. By making more than the monthly payment as well as extra payments, I will be able to pay it off completely by the middle of next year, thus cutting my payoff from 12 years to 4 years. I have, in the middle of this recession, been able to retain my job and that is how I have been able to do this. I know this makes me much more fortunate than a lot of people. The payments were automatic and if you wanted to make an extra amount to principle, you could call and it would be done.

With the recession, they adopted a policy in which they no longer made automatic withdrawals. If you wanted to make a payment, you now had to call. A lot of people fell into that trap and didn't make their usual monthly payment. The effect of this was that they made HUGE amounts of interest because of course, interest will accrue. I continued to make payments the first of the month by always calling and seeing that it was done. I made a payment 9-1-09 for $300.00. I printed out my payment history so I could make a correcting entry in my journal and ledger. I maintain my household accounts with a general journal and ledger. That payment was not credited. This is a deliberate attempt to defraud me by NOT crediting my payment, thus bumping up the amount they are receiving in interest. It's also an attempt to prevent me from paying off my loan so far ahead.

I emailed and faxed them and have not heard back from them. I told them that just as they tape your conversation to authorize payment (a good idea since it protects both parties) I also taped them so I can prove that the payment authorization was made on that date. Yes, it is illegal in the state of CA to tape someone without their knowledge, but the magnitude of it pales in comparison with fraud. So if they want to start comparing crimes, bring it on. I also told them that if they don't credit that payment for the 1st of the month, I'd sue them. They are closed today for the holiday, but I am calling them first thing in the morning to speak to them. I do not believe they read their email or their faxes, nor do I believe they respond to anyone. Considering their tortious collection practices, I'm not surprised. They can't send my account to collections anyway - my next payment isn't even due until 11/1/10.

This company is a scam and should be put under investigation. I do not have any more money to give these people and becasue of them my credit has been destroyed. I have the letter that states my balance is 0. They need to honor that agreement.

Also, the person who works for Cash Call, we do read the fine print however Cashcall seems to think that harassing phones are okay, and that is not in the fine print. Many times people have made the payment they borrowed 2-3 times over already, (I know I have) LOAN SHARKS! I will tell anyone do not do business with CashCall ever!

I took out a loan about 1.5 ago. I have been making payments of 216.00 per month. Now what have happen is my other have increase, while making these my rent,carloan,smud, my child's health INS all are in trouble. I have all them to make other arragements to lower the payment ot 100.00 per month. They not do that because they said that what I make I can make the 216.00 every month. So, cash call the call me 3 of 4 times everyday even after 8 clock at night.

I recently had surgery on my left arm and have been out of work for at least eight months. I borrowed money from cash call and I have been paying them faithly. I only have one payment left because I have surgery they keeping harrassing me, call my house phone and my cell phone and calling my job.

I was laid off from my job, not able to pay some bills and so they were reported to collection agencies. In dire need of money, Cash Call was my only option to help me pay some bills. They started me with an interest rate of 96% for a $1500 loan and the only way I would get approved is by setting up automatic withdrawals if $216 from my bank account.

A few months into the agreement I was no longer able to discontinue making the payments and my bank account became overdrawn and eventually closed due to Cash Call overdrafting my account. After calling them they allowed me to discontinue making payments for 8 months while the account continues to accrues interest. The interest being accrued on the account is outrageous, is this not usary? I feel like this company is taking advantage of consumers, especially at a time when people are being laid off from their jobs and are unable to repay their loans in full. This is just horrible. I wish there was a way we could at least lower the interest rates that we are paying to this company.

I'm an employee of the company. I just wanted to point a few things out. The main problem is people don't read what they sign and agree to. Cashcall will deposit up to 10,000 in your checking account with in 48 hours with interest rates any where from 10% to 115% depending on how much is borrowed and the type of loan you get. The contract is very simple to read and the total amount of interest is in big bold letter on the top. The terms are very clear.

Also there is a sentence saying "this is a high rate loan and we encourage you to try to get a loan from a different financial institution first". Come on people read before you agree. Even better pay the loan off asap there is no pre-payment penalty. I'm not even going to get into the many programs we have to help our customers who have legidimate financial problems. A lot of people can't pay then go MIA. We can't help you if we can't find you.

It's just funny how people don't complain until it's time to pay the loan back. I would NEVER get a loan like that and I work for the company. This is a very generous company to their employees and will help you'r credit if you pay it back according to terms or early.

This company, has personal loans up to 2600.00. They handle primarily everything over the phone, and occasionally on internet. They supposedly have a contract that the consumer signs electronically, however, they will not release the contract to you. I have been waiting for almost 2 years. This loan has 96% interest, i have been paying faithfully to pay off this loan, not knowing the full legality of this company.

They did not inform me of the interest accrued daily as well as monthly and if I continued to pay this loan, the total would be $9,100.00. This type of loans are considered loan sharking and this is a violation, of the usery law.

However, I have paid off the loan of which I borrowed which was $2600.00, I do not feel that I need to continue to pay this loan. the late fees are plain outrageous. I have suffered harrassing phone calls, daily, they keep calling. Cell phone, home phone. This company, I feel should reimburse me for monies I have paid in addition to the actual loan which is about 1500.00.

I do not understand why people signed for loans that they will not pay back. Every thing is spelled out as far as the interest rate. Make a settlement or work out some pay arrangements. This is the reason why this country is in bad shape you keep borrowing then get upset when you have to pay. There is no rip off they lend you money because you refused to shop around. You decided not to pay because you feel its criminal to pay high interest but yet you will borrow the money. Ask your self why?

I took a loan out with cashcall that they said was for 2600.00 plus a 75.00 processing fee plus 95 % interest. The payments were for 216.00 dollars. I thought it was going to be for two years but they si it was for 43 months and I just was told this month paid off my loan. I paid them 9,678.00 for a 2,500 dollar loan that is outrageous. I was told that is usury and against the law . I hd bad credit from some medical bills that were not paid by my HMO that went BKso I had no other way to get a loan from anyone but them.

I paid perfectly on time every month. Never was able to get a statement of how much was left on my loan. When I called to complain today they told me this month was my last payment. I want some money back.

I needed to borrow some money and made on time payments but got laid off so my payment was late, the interest is so high and when I try to talk to anyone they are not easy to deal with my amount owing is more then I borrowed and I have paid the amount I borrowed, it's horrifying.

I had borrowed some money from Cash Call as a short term loan. Originally it was ok and the interest rate amount was expected for a hard money loan. Made several payments on time until I had a change in my employment. I couldn't make their payment amount and then they changed the interest rate on me, which made it even more difficult for me to even pay them. Any payments made went only towards interest. Very little if any went towards the principle. Now they constantly call me using 4 to 5 different phone numbers even after having talked to them. I get 4 to 5 calls within a 5 minute time frame 4 to 6 times a day. I have at times been called hourly on weekends from 8 am until late at night from these numbers.

I have been paying cash call for the last 2 years, for a $2500.00 loan. The balance does not seem to go lower. Their interest rate is outrageuos. They are taking advantage of the consumer. I thought there was a law about such high interest rates.

I lost my job called to settle was told that they are filing suit against me I took out a 2500 dollar loan and now currently owe 5259.00 i called in April to ask if there was a way to settle for a reasonable amount and was advised that they already filed suit and that I will still have to go to court in regards to the case. Instead of finding out what they can do to assist me Mr. Lewis attempted to get me to make a payment something I couldnt do as I am now receiving unemployment benefits. I really want to do the right thing and settle for a reasonable amount and these people dont want to settle with me.

I've used Cash Call on three occasions. I read the loan documents carefully and fully understood the terms of my loans. I paid them off far sooner than the scheduled date to avoid the high interest rates. I'm astonished that so many people would take a loan without reading the documents and asking questions. Each loan rep that I've dealt with at Cash Call fully disclosed everything. Cash Call is good for very short term loans when you are sure that you will be able to pay the principle. Do not use this service for long term loans.

I had a loan with cash call and I paid 215.00 a month and only 6.00 dollars went to the loan with each payment I made and the rest was interest. The loan was difficult to pay back because all the interest.

i pulled out a loan of 2500 . i only asked to borrow 2000 . they would not change the paper work . i called today to get my payoff after a year . i now owe 2700 . its just really sad . i asked about the original loan documents since they sign on line the term wa 42 months 216 a month but i dont think i am getting close to pay off .

Personal loan company...A major loan shark here who capitalizes on the poor with charging outrageous interest rates on loans....I'm not even sure of my interest now..They make sure that you NEVER pay the loan off...I applied for a personal loan from Cashcall company on December 1,2005 for the amount of $10 thousand dollars. My monthly payments went from $292.50 to $332.15 a month....I called to find out what my balance is on June 12,2009...My balance due on that loan is now $9,500 and something dollars....I've been paying on this loan for 3 and a half years on a ten thousand dolar loan..And the balance after 3 and a half years is $9500 hundred dollars!

Like everyone else I was in a behind on some thinks and I thought that Cash call would be a solution. Well I was dead wrong. The rate is so high you will not be able to EVER pay it off. Then the if you try to pay if off in one payment they get to talking about every payoff fee and late fees. If everyone see this info we have more then enough people to bring a Cash Action suit against them. I will be making 10 percent least and will not be able to make the payment in 2 months.

They say they have programs that can help you , but your payments have to be current in order for them to help you. If your layoff call them and tell them your collecting unemployment checks. The lady told me that I have to send proof and they will stop payments for 6 months. But will the interest keep going. I have paid this loan 2 times over and I wont out.

I'm trying to keep my account current so I call to make payment arrangement. They never told me I would still be responisble for late charge until today.I can no longer pay, I told them today in 2 months will not be able to pay so I wanted them to tell me what's going to happen. The lady could not tell me anything useful.

I took out a $2600 loan from Cashcall in 2007 and for one year paid $216.55 on time each month. My husband and I fell on hard times after he lost his job and I was unable to continue to pay them. I called them and let them know that I wasn't able to pay them and I stopped the auto debit. They didn't have a problem stopping the debit, but still expected me to send the payments in.

After about 3 months of non-payment, they started trying to offer me settlements. My settlements went down from $2000 in 2008 to as little as $700 or so dollars as of May 2009. Having been laid off myself in March of 2009, I definitely couldn't afford to shell out any of their settlement offers or their monthly offers. The money is just not their with neither of us working.

Today I got a letter from Brett Yable Law firm representing TK Financial, stating that they are going to place a judgement on me for $3838 and garnish my wages and place a lein on my assets. Apparently, CashCall sold my loan. I am just wondering does the arbitration clause come into affect? I thought we were to have a binding arbitration regarding any dispute that came up between either party, regardless if the loan was sold or not. How do I find out about this?

i thought i signed a promissary note for 5000, but it turns out to be for 24000.00 at 254.00 a month i would never be able to pay the loan off. I was mislead

CASH CALL IS ABUSING!!!! I asked for a loan of $5000.00 and I have done 38 monthly payments $250.00 each, total $9,500.00 . They are telling me my total debt is $21,388.00 that is not 59% is 427% !!! thats insane. They are calling me all the time, sending me letters.

I was loosing my home and needed cash in a hurry. Thinking I couldn't get a loan any where else I went to the internet for help. I borrowed $2500.00 and pay 215.00 a month. I will be paying back over $9000.00 when my loan is paid. My husband is out of work and I'm having trouble keeping my bills paid. I can't beleive we can let people like this get away with this kind of thing.

This company is just ridiculus. I understand that it is my falt that I even got a loan from them. Now the reasons don't matter, but what does is that I am trying to pay this off as soon as possible and they just make it as hard as possible for me to do that! I schedule payments every week to be taken off my account and I have to call 2-3 times a week to make sure that it is done. I talk to a representative,they say everything is great, next thing i know there is nothing taken off my bank account and I am still being charged the daily principle. When I call them back, no one knows anything, they cannot tell what system they use to calculate the principle, when my payments will be posted or what amount of money should I pay in order to pay this off sooner.

All they know is just "make extra payments." That is what I am trying to do, but I have to struggle with too. It is horrible! The more payments i try to make, the more problems I run into. I am starting to have a feeling, that they do this on purpose, to make more money, to keep me from paying faster. I have automatic payments scheduled with them and even those I have problems with, they don't take the money off because I make extra payments. They dont's send me any statements, there is no way to look anything up online and the staff is just useless. I talked to one girl once over there, she promised to monitor my account and make sure that all the payments are taken off timely, but I haven't recieved one call from her, and none of the payments were taken off.

I have a full time job, I am pregnant, and I have a 2-year old. I am busy! I don't have time to spend all day on the phone with stupid cashcall to make sure that they do what they are supposed to do. I really feel like I am racing against time to pay this off. I hope they record all their conversations, I will really have a good use of them in court. The worst company I ever had to deal with in my life!

I Just obtained a $2600 loan through Cashcall with a stated balance of 99.14% interest rate.

So far so good. Yes, I agree that they are legalized loan sharks, but I have some information that might help.

I was very fortunate to get an awesome Cashcall rep on the phone when I inquired about my current balance. He gave me the full balance information without any runaround. He also walked me through how to login and see all of the payment history and balances. You DO NOT have to contact customer service to get a balance. All you have to do is put in your username and password in the LOAN STATUS login window; there it will give you all payments that were posted. You can also print this out.

My balance was $2600 before the first payment was made. I made an extra $200 payment on the 4th of this month and $179 went to the principal and $21 went to interest. My PAYOFF balance is $2457.21 and the ACCOUNT balance is $2412.21. Again keep in mind of the COMPOUNDED DAILY INTEREST CHARGES!
The rep also highly recommended making any extra payments on the first of the month as well.

So I'm crossing my fingers and hoping all goes well throughout my loan until I get it paid off. If you have a very good experience with a particular customer service rep; I recommend getting their name and phone extension# and just deal with the same agent. A helpful agent will provide a much better experience and will get more familiar with your account. Keep in mind there are approx. 700 employees who work in the Anaheim Cashcall office. Again, ask for the phone extension number of an agent you feel comfortable with and just deal with that one agent.

I also want to thank each and every one of you who have shared their experiences with Cashcall; Now, I will be on guard and I'm fully aware of all of the dirty stunts they pull and will keep my guard up at all times with these people.

I will post updates on any further experiences with Cashcall.

I have never taken out a loan or have had any business dealings with this company. However, for the last two years they have been calling my cell phone looking for another sucker they bilked out of money. I have repeatedly contacted them to get this resolved, yet over these two years I still receive at least 2 calls a week from this inept company. Apparently the only thing they know how to do is steal your money and make phone calls to the wrong people.

I was seven months pregnant and could not work due to being ill, I had went into preterm labor twice during that time. I needed money to pay my rent for two months. I made the biggest error in life when I borrowed money from Cashcall. I took out a loan of 2,500.00 in January 2007 and have paid faithfully on every 15th day of the month 216.85. I have paid the loan off twice and some.

I recently lost my job due to being mentally sick from this financial strain/stress. I can no longer donate money to them. I am behind on my mortgage, car note, and I have struggled to buy diapers for my child. I heard something about a Usury law, this law suppose to help people like me (us) who haved been taken advantage of.

I applied for a loan in 2005 for $5000.00..big mistake! These people are ruthless, and should be shut down! Now, I'm being sued, for over $4000.00 after I have paid 4500.00 on the loan! I quit after they wouldn't stop their calls to me, family members, my banks were constantly overdrawn because of them, and NO, they won't work with you because they only care about their money! I believe my case will be favorable, since the person collecting on it is charging 10% interest, and since I have my records in order, it shouldn't be much. I'll pay to get them off my back once and for all!

The best advice to give anybody else is either borrow the money from someone else and pay them off, or just let it go to court and pay the 10% interest that their collector charges...it's better than 59%! It's funny that our government will go after criminals for loan sharking and shut them down, yet they will allow a company like CashCall to get away with it and give them judgements in courts...doesn't make sense!

the worst of it was when my mom had open heart surgery and they kept calling her after she told them to stop and why they should stop, but they didn't!

Cash call leant me the money that I wanted. I agreed to their terms, I made many monthly payments of $500.00, i paid about $1,200.00 in interest, but paid off the loan in less than a year.

I wish people would quit crying that cash call is a scam company.

They help out idiots who ruin their credit, and obviously don't care about taking on financial risk.

they lend money to borrowers under their terms and condition. customers contact them for loans, and they help out.

You agreed to the interest rate, so pay off your loan and accept it.

If you don't like that it's taking forever to pay off, you should make double the payments.

I'm only 23, and figured out very quickly that if you don't make double the payments, your balance will not go down.

The company even advises you, if you don't need all the money, pay some back immediately when you get the loan.

Damn people in the usa are so stupid sometimes.

Nothing negative happened to me. I paid over payments, on time, every month, double payments, and paid off my loan in less than a year.

People need to think things through before they get a loan of 99%. Like what the heck would they think would happen if they only made minimum payments? seriously.

About three years ago I needed some money to help pay my payroll at work. I seen CashCall on TV so I called them. I needed about 10,000 to help. I took out the loan and received about 9,000 beacuse the kept the defference for charges. My interest rate is 39% which I think is totally not fair. I have been paying on this for over 3 years and it has hardly gone down.

I asked them if they would lower the interest rate beacuse I was laid of in January of 09. They told me NO. Other finacial companies are doing this but no CashCall.The goverment needs to step in and make them lower there interest rate in hard times like this. I am about to loose my house and everything else. If any body has any ideas please let me know.

I got a $5000 loan 3 years ago. Me and my wife have been paying $254.00 for 3 years on the 15th. We called in Januaray to find out our balance, it's still $5000.00. We asked them if we could make a double payment on the 15th of every month, we were told that it's better to do it on the 1st of every monthy. We've made some poor choices before, but nothing as bad as dealing with cashCall. This is a loan that never decreases in principal.

We've been fortunate enough to commit $1000 payments for 5 months to rid ourselves of this loan. This loan will cost us a total of $19,318.00.

I am another victim of the CashCall Loan Sharks. Two years ago I had a bad financial situation and was desperate enough to contact CashCall. I borrowed $2600.00 and have payments of $216.00/ month. I just checked my balance and have found that after paying these people for over 2 years that I still owe them $2200.00. Nobody can afford this kind of piratcy. There has to be something that can be done about these people taking advantage of people.

I am having to skip having my medication refilled, am constably short on being able to but the proper supplies for my home. Because of the stress I have been diagnosed with the medical condition of Shingles.

I have been paying on a loan that was originated at 2600.00 for almost two years at 216.55 monthly. Iasked for a balance and was very disappointed to find out that this loan amount has never decreased but has decreased. It is now 2500.(balance) and this is not a payoff amount. The loan continues to double.

Cash Cash harrassing me on a daily basis. I receive at least 5 phone calls a day from them. They have never reported my loan payment in good standing even when I paid on time. Now, they are reporting to the Credit Bureau that I am late and it is ruining my credit score.

Even though I explained to them our financial situation I kept getting offers to pay a month and then I would have one month off to start me paying again. What I do not get is that I paid every month right out of my account for over 2years and when they changed my payment plan my balance was more than what I had even borrowed. Now they changed my loan to be half of the original payment and lowered my inerest rate to 34% but now instead of being paid off in 5 years that I had left back to 7 years. Somehow I have a feeling that I am definitely still getting screwed. IF there is a class action suit to be made then I would definitely be more than willing to be in on it. Just sign me up. This company and ones like it are part of the problem with the economy. So many big companies are able to take advantage of the people that need assistance and then they wonder why we are having more trouble.

I have to scrape together money to pay for my husband's and my medications such as antidepressants for the depression that we have been suffering from. My husband and I both are on medication to help with his blood pressure and my heart condition.

May 2006 I received a loan in the amount of $1,000. Which at the time of closing the loan over the phone, the loan offier went over the loan agreement. Stating that the payments would be 83.89 for 24 months. Now I'm told I still owe $900. I've made every payment on time. How can a company get away with this.

My 9 year old daughter has been very ill and I have Medical bills, that should be paid first. One reason why the economy is the way it is, because of companies like this. Where is the goverment when we need them?

We needed much needed cash last April, 2008 and I saw the advertisement on TV and quick money right. We borrowed 5K and have been paying $295.50 on the 15th of each and have never been late and withdrawn from our bank account each month. During these times we are facing dire straits. I truly did not understand the amount of interest that we were paying I just needed cash. I have not problem in paying back the money we borrow with a reason interest rate. By the time this loan is completed we would have paid in excess of 21,000 dollars for at 5, 000 loan. This has to be regulated.

We are stressed have depleted our savings while in addition watching our retirement savings dewindled away each day with a failing ecomony. We need the goverments help in stopping these people extort from us legally.

I took a emergency loan from cash call on dec. 2005 from cash call for $9,000.00 due to medical bills. I was told that the interest rate would be slightly higher than a conventional loan. However, after checking the balance via credit check on 03/01/2009, to my horror I found out that the balance had only shrank by only $400.00. This was after making pmts. of $332.00 for 3 years and 3 months. This has to be a crime. How does our government allow this to happen to honest, hardworking citizens of this country?

We are yet another victim of CashCall. It is our fault for taking a loan with them to begin with but they are the poster company for predatory lending. I have read letter after letter from consumers with horror stories about them. Ours is similar. They harrass you, call you all hours of the day and charge exorbitant interest rates which I cannot believe is legal. The FTC needs to investigate their business practices. In these economic times people are already under undue stress and this company refuses to work out any arrangement that is affordable. My hours at work have been cut, we have had undue medical expenses and unanticipated legal bills for our youngest son. Can't something be done about them? The predatory mortgage lenders have been taken to task why can't this company. There are a lot of consumers who need help...now.

To say the least we cannot afford this payment any longer. We have been paying $254 for over a year and a half and still owe $200 more than when we started. This is outrageous. I have already been to the ER because of chest pains due to stress. Economically we cant meet our other expenses because of them and they won't work with you despite the fact we have contacted a credit counseling company to help us.

I have missed one payment due to financial difficulties and a 10% pay cut. I have asked for help from them but they in return asked if I could pawn, borrow, sale any thing that can help get the money to pay them. They call day and night. They have threatened to take me to court. I have not refused to keep paying for this loan. I have simply asked for some help.

I checked my account and I borrowed $5,000 in April 7, 2007. I have made 25 payments at $254.03 making it a total of $6,350.75 that I have paid. But $242.00 has gone to interest and none to the principal. I do not know what to do. I am a single mother and I take care of my own mother. What can I do stop the threats?

I am stressed can not sleep. I live check on check. I can not afford to buy groceries or put gas in my car.

On November 2006 we requested 5k because I had to pay bills and I was never told that my insterest would be 59% and at the end I would finish paying $21,387.03. Now I have made 32 montlhy payments ($254each) without delay but I can't continue doing it.

I have a heart disease and I cant even pay a health insurance and Im really streesful because I had a family to take care of, mortgage, bills.

I have the same things to say about Cash Call as all of you have said. I say we stop writing and we get a Class Action Suit against these loan sharks! What do you say? We need everyone to participate and we will come out on top and just maybe we will stop them and get some money returned to us. I will be looking into how to start a Class Action, I hope you will ALL join me!

well back in 2004 i got a loan for $2600. I was suppost to be done payoff by 2009. Well I still owe them like $3590 now I they got some collection TK Financial calling me saying that I still owe them and they will take to court they will ruin people lives. What has been done to stop this fraud!

I took out a loan to save my home last year. I borrowed $2,500 at a whopping 98% interest. I had to do what I had to do to save my home, so I understood I was going to pay a lot of interest. However, after 7 months of consequtive on time payments, I owed $300 more than I borrowed. I was, understandably, quite upset. They refused to discuss the loan, saying they had a signed contract. They talked down to me saying I didn't understand how compounding interest works. I actually have a degree in Economics, I believe I am familiar with a compounding loan. Anyway, I stopped payment, to get their attention.

When they realized I wasn't going to pay until they recalculated the loan appropriately, I was able to even get a reduction in interest to 47%. I still don't believe they are calculating the loan correctly, as I hav been paying at least a week or two early every month, as well as paying 2 to 3 times the payment each time over the past 6 months. I am including the figures displayed on the website. Please notice that on 11-22-08 I made a payment of $130, $30 more than the previous month. However, instead of having $30 more taken from Principle, $19.64 more was taken in interest. The loan should have been smaller, so there is no logical reason for the interest to have been 66% higher.

I have payed 3095.24 on a $2500 loan and still owe a balance of $1640.66. Aside from the period I was fighting the overcharging, I have never been late or low. Most of the time, I have payed well above the $122 minimum payment, as well as being 1-2 weeks early every time. I plan on paying the loan off next month, when I am able to borrow against my 401k. But, I am more than willing to fight based on principle, regadless of my own plight. I am starting to do ok, personally, but these people are praying on the poor like loan sharks.

In Feb. of 2008 we took out a much needed loan from them, 5k to be exact, payments ran us 324.00 a month we have paid so far for 11 months. We made either a choice to pay them in January of put in oil in our tank for heat. Cash call don't care, they want their money, I have since had to close out my bank acct. which i had for 21 years, because they have tried to take the money out even though i explained the situation, and had over-charges now. I figured they can take me to court, I have nothing, we have to take care of food and utilities as this moment.

I am already stressed out, but it has caused my husband to have chest pains at work, due to them calling, I finally told the person from cash call along with emailing them a letter he work does not allow calls.

Something must be done to stop these people. Maybe the new attorney general will do something about it. This is Criminal.. I like others took out the $2600 in June of 2007. It's now 2009 and I'm paying them off with my tax refund . My Payoff. $2551.15.I will be happy to be a part of a class action suit. This is worse than the Bernie Madoff scam, just not as well published. Let's get it out there now

My health has suffered, and it has cause stress between my wife and I. I can't imagine if I hadn't made my payments, or I would have lost my job, if they would have made calls to my work.

I borrowed 10,000 from this company 21/2 years ago and because of the high intrest rate 95%, I STILL OWE 10,000. I have since stop making payments, because I have been put in a financial hardship, but this company did not seem to care. They call me day and night and harrass me. I am looking to call an attorney to stop this harrassment. please tell me what I can do to get rid of these people.

I have had to go to my doctor to put me on a mild anti-depressent, because of this situation.

I have to admit i owe on a loan to cash call. I took out a loan for 2600.00 that turned into 9700.00 with 7000.00 for interest alone. I would like to know how can a company be allowed to charge this much. I can't afford to pay it and i have seen so many complaints on the internet why hasn't someone done something about this to put a STOP TOO IT!! They never told me up front about the interest either or i wouldn't have done it. I did not see this on the paper work either.

I went thru a divorce i have lots of bills from it. I told Brittany from this company i couldn't afford to pay this. She said if i didn't they where going to garnish my wages. If it was for the 2600.00 i could probably get it paid eventually but 7000.00 that is ridiculous. I'm hurting please help!! I haven't been able to sleep worrying about all of this. I can't afford an attorney and I'm probably going to have to file for bankrupcy...

Made payments of 293.92 forever, 5 years later the same amount is still there. NEVER AGAIN, I have told everyone, NOT TO BORROW FROM LOAN SHARKS.

Bad credit

October, 2006, I got a loan with Cash Call for about $2300 only to be shocked I owed them $10,000!. I remember the representative I worked with telling Pay this off within a year and a half. Now I understand why. The interest isn't that bad if you can pay it off quickly. But who can with payments over $200 a month and the balance going no where! So, here I am over two years later and still oweing. These people are terrible! Everytime I see the commercial now I want to throw something at the TV. Loans are suppose to help. Dealing with Cash Call only makes things worse!

My other household expenses are suffering because of this debt.

needed a loan , they sounded like they can be trusted. was approved and learned that the interest rate was over 95%. ill be paying them double. its crazy..

i cant aford keeping payments of 216.55 each month for 40 months and have just a fraction of my payment applied towards the principal. Can this be legal, i consider it a rip off.. unfair game..

I ran into some financial difficulty in 2007 and was approved for a $5000 loan from Cashcall. I always made my payments on time and when I checked my balance after almost a year, I discovered that I only really had paid a total of $25 towards the principle. The $254 monthly was going toward interest. I was able to get a loan through my credit union to pay them and two other debts off. I swore I would never borrow from them again. Worst came to worst and I borrowed $2600 against my better judgement.

Four months later, I ran into more financial difficulties with this bad economy. I am currently 15 days late on my payment for February and they have been calling my phone to death. They finally caught of with me at work and I explained about my financial issues. One nice rep stated that they had programs that could either lower my monthly payment or my interest rate but I needed to be caught up on payments. She put the rep on the phone that was handeling my loan. He started off nice and then became very rude. He was over talking me and threatened to send me to collections if I did not have the money by Feb. 30. He told me that I needed to borrow the money from someone else to catch up on my payment and they could not wait until my next pay on Feb. 5th. He called me again the next day and I told him that I had just talked to him the day before and he said that the calls will continue until I make my payment.

I can't believe how brazen these people are and that they are allowed to continue in business. Grant it people do fall on hard times and they are a quick source to get money from, however, in the end it ends up being a really bad decision! They should be regulated in how much interest they can charge and they need to be reported about how they treat consumers! I have all intentions on catching up on payments, but I will no longer allow them to deduct money from my account, I will send my payments in. I have also printed out the Fair Debt Collections Act and read through it so I can let these people know that inspite of the contract I may have signed, it doesn't give them a right to break the law to collect a debt and I'm gonna threaten to sue them like they threaten to send me to collections!

In June 2006 I was behind on my mortgage so I contacted cash call for a loan of $2500. I was told I was approved for $5000 and that what the loan was made for. They would take the payments out of my bank account directly in the amount of $251.31. I have been paying for 2.5 years and have paid $7500 so far and it turns out that I still owe almost the entire $5000.

This is a scam and a rip off. I was unable to make the January 2009 payment and they call my work and my home at least 5 to 6 times a day. I do not make as much money, I lost my house, my daughter is sick and there is nothing I can do. But they will not leave me alone. I don't see how this can be legal and i wonder if it really is. This seems like loan sharking to me.

I too was a DUMB consumer, not only did I borrow from Cashcall once but TWICE!!! Talk about being desperate! I was a single mom and behind on every bill including rent. After receiving the 1st loan for $5000.00 and paying $250.00 per month for 10 months w/out the balance moving down, I finally cleaned my credit up and was able to get a loan from my credit union to pay Cashcall off. I sent them a $5000.00 cashier's check from my credit union via overnight mail so they could not add any new charges after quoting the pay off amount.

Well about 2 years later I became desperat again and applied for a $2,500.00 loan, well after paying on that loan for about 9 months, I fell behind and started receiving the harrassing calls. I changed my number and they never had my work number. Once I moved, they eventually sent someone to my last known address to have me served for small claims. The funny thing is when you have someone served you must HONESTLY state that you served the person you are suing, of course they said they served me, funny I don't live at that address but know the people who do and they called to tell me that a letter was delivered to me.

I contacted the courts and found out a small claims lawsuit did exist however the court informed me that it was against the law for Cashcall to lie and say they served me. The court advised me to file a claim called Notice of Motion To Vacate Judgment and Declaration since not being properly served. I also found out that in California you can only sue in small claims court for $2,500.00 and you cannot sue more than 10 people in any given year. Needless to say, I have since, contacted all 3 credit bureaus who have deleted Cashcall off of my report. I don't deny owing them, but I look at it this way, if they can play dirty with us (Consumers) then we should be able to fight fair!!!

After taking the loan of 2600.00 and making 16 payments at 216.44, I come to find out that I still owe over 2600.00. the interest rate of 96% was misrepresented and they will not work with you to get it lowered. I am at the point of stopping payments and waiting on a lawsuit from them. I don't believe that any person on the right side of the law will allow for a consumer to continue to pay that outragous rate.

Thank you!

I have no idea what they want, I have not failed in doing what I have to do, Cashcall still harrassing me and do not leave me along.

What is your major function, just receiving messages from people, that is not doing wrong thins? I do understand you are not the court of work for the court system. I know that if people have problems and not able to SOLVE THEM for whatever reason(s) that is something els. If I need to report this to the court I'll be doing so. There even have ways when people do not comply with their payments to go to court and do the paper work and wait for the case to be resolve. THIS IS NOT MY CASE.

If you need a phone number to contact this idiots let me know. Perhaps I can do alot form many individual that may owe a lot of money so they cannot pay this people nay longer. What about this!

I like many were in need of a loan approximately 2 years ago. I turned to cash call not knowing that I was going to be ripped off. I borrowed 5000.00 and was at work and rushed to sign the loan docs. I have paid 7500.00 so far and they say I still owe 5300.00.

My son is in college and I am looking at a 10% pay cut.How can this kind of ROBERY be allowed by law? We are not able to buy groceries at times.

Borrowed $2600. Been paying $216.55 since July of 2007 and still owe $2534.09. What a rip off. How can companies do this.

I was approved for a $5000.00 loan. I accepted the loan. But not realizing that most of the $254.00 payment only goes toward interest. What a fool I was. I would have never taken out the loan if I knew two years later that it has not gone down. What a scam. When you buy a home or purchase a car the interest rate isn't as bad as cash call. If you are late on a payment you wouldn't get as harrased as cash call does. It's stressful and humiliating that you can not afford to give money away. Please help with getting something resolved with the way cash call handles business.

Cash call harrasses by calling several times a day at home and the job. They need to be stopped.

Cashcall deceived me by informing me that my pay out would be 2700 dollars for a 2600 hundred dollar loan. When I tried to set a payment amount so I can pay the loan off quickly I could not.

This was my first time being late ever. They harrased me day in and day out. So, I sent them a letter requesting that all communication be ceased due to them harrassing me. I threatened to turn them in also about the loan. To make a long story short I have not payed them a dime since April of 2008. They have not contacted me until December 3rd with a settlement offer, and that came in the mail. The balance they had on the paper was 4,287.91, now how and the heck they came up with that figure is beyond me. That means my whole payment went to interest and none to principle. I took the settlement and I came out way cheaper than paying them full term. I paid them a lup sum of 841.53, and now Iam done with them. Make sure you get your paperwork showing that your loan is closed and paid in full. NEVER DO BUSINESS WITH THIS COMPANY!!! EVER!!!!

For this I spoke on the phone (conversation recorder in place.)

At my old work (friend) said someone came to my job (old job) looking for me).
Based on the paper work I called (cost me a fortune).
A lady named Yolanda (with an IQ of at least 300+) not less than that, stated that she could take care of the problem.

She imposed/came up with more money and I supposed send the money via MoneyGram. Still cost me money to submitted the moneygram.

For whatever reason Cashcall still calling my old work, still harrasing me and I am ready to go on television to do what I need to do!
That lady, Yoland that spoke with me over the phone, she recorded the conversation. I did the same, word by word plus a have a witness (this was back in Sep 08, I believe). I provided her with the address she should sent any information since I was not at the same residence any more.
She never (Yolanda) sent any paper work. I guess she might b e in jail by now. Who knows...

On the money order I have addressed/wrote that I need the agrrement 'Yolanda alluded, still waiting for that.

E-mail does not stop from Cash Call.
Yolanda, should have notified immediately to everyone so everyone was in the same page.
I do not need to go back to the same crap with anyone of this people!

I've been doing since Septemember.

In 2006 I became very ill,hospitalized, had multiple doctor bills, TV commercial on Cash Call sounded like a solution to my problems, I called them, they said they would loan me $2600 and it could be paid off over a period of 3 years...$216.55 a month and I felt I could pay it off sooner than 3 years - I signed the contract on line and after doing this got a copy which said - Amount financed $2525,Finance Charge,6714.64, percentage rate 99.23%,Total payments $9,239.64.

I have been paying since 2006 and have paid in $4,264 and recently asked them to allow me a two month extension as my daughter lost her home and job after 22 years and had to move in with me...just two months, they refused, talked to me rude suggested I sell my furniture, etd. I thin 99.23% is ridiculour and I am scared. how can they get by with that kind of interestl

I took out a loan with Cash Call back in June 2005 and thankfully Jan. 2009 will be my last payment. After reading several of these complaints, I now wish that I would have never done it but at the time I was in need of help. $183.64 gets deducted from my account on the 15th of every month and I have only been late on one payment and I too got harrassing phone calls and e-mails for week and a half straight. I am hoping that come Jan things work out smoothly with them and I won't have to make another post

i too like everyone else was in tight spot saw ad and made call. had i known then what i know now i would have suffered the consequnces and done without paying other bill instead of calling them. and now have had to take on some other responsibilites that have caused me to fall behind on payment to cash call and they harass me constantly. I have had to enter debt consolidation for other bills they did not want to negotiate. so the bill is 90-days past due and theres nothing i can do about it now. if i knew then what i know now never would have made the call.

I ran into so much financial trouble that I made only one payment. Cash Call threatend to call for the 2500.00 loan in full (9700.00) They said they were going to garnish my wages. I answered their calls and explained my situation. They turned me over to a collection agency. I still couldn't pay even with threats of supena's. They turned it to another agency. Still couldn't pay for a while. Then I recieved a letter to settle for 1/2 the origonal loan. I responded to that deal. So it's over. The only problem I have now it to get them off my credit report. You can repair your credit report. Don't let them abuse you. Tell them to turn you over to someone you CAN deal with. In the process get online and notify your credit reporter (Equafax, Transunion, etc. of your dispute. Don't pay anymore.

borrowed 1,075 from cash call last june i paid 83.00 amonth for 14 months now and still have a ballance of 976.00 how is this possible

this has left me in finnacial slavery to them . they weren't honest about their intrest rate

borrowed 1,075 from cash call last june i paid 83.00 amonth for 14 months now and still have a ballance of 976.00 how is this possible

We Borrowed 5,000 3 years ago, for the past 3 years they have taken 250.00 a month from my bank account we now owe more thenthe original loan $ 5,and about 264 dollars. THIEVES like this should be given the same treatment the olden Mafia loan sharks were given and be sentenced to prison. Unfortunately the bums who are in our present goverment have stopped wprking for the common man and fill the hard working person the usuall shaft while the CASH CALL Hoodlums are made to charge what they want. I am 75 years old and now have to continue to work till I am dead thank you to the state of Calif and to all other states that allow this to continue and walk with blind eyes to the need of what this country was built on. An honest person trying to pay off aloan to the THIEVES the ZGoverment no allows into our lives, Perhaps WE THE PEOPLE NEED TO REVOLT AGAINST THIS OUTRAGE.Form our own Committee to let our Govermental pansies give us some relief. STOP THE LOAN SHARKS NOW.

I have been trying to pay off a loan I opened on 07/01/08 for $2,525.00 todate I have paid $1,606.33 s/b 1296.00 my current balance is $2,549.00. At the current rate they are cal. loan I will never be able to pay.

I applied for a $2500 loan with Cash Call in July and I now realize that I should not have done so. I've fallen behind on my other bills and resorted to borrowing from more payday loan companies only putting myself further into debt and I now see there is no end in site. They're not very flexible to help you and I wish I had read all these complaints before applying.

I have fallen behind payments on my new car, my credit card payments, as well as other loans I have.

Fell behind with my loan payment was called day in and out no matter how much you pay the loan does not go down one red cent very disturbing matter I would love to see them go out of buisness this practice can not be legal We need to join the ban wagen for a class action please very much needed

They are still calling me no relief in sight it is a loan set up to fail

I applied for a loan in 2006 with cash call and was approved for $2500. I feel behind and found out the nice reasonable people I knew where gone. I was bullied, threatened and harrassed daily by this company. I had lost my job and they didn't care at all. I refused to pay anymore money after they failed to credit and accept my payments.

I even had to close my bank account due to them deducting money I did not have. I finally after they illegaly threatened to have me arrested on what is a civl matter, was able to settle this account for next to nothing. I suggestion to anyone is wait until they conduct an illegal act of collection. IT WILL COME and call them on it. Be firm and document everything. This company is not right and they need to be stopped.

My question is, is this legal? can a company such as cashcall charged whatever they want to customers and get away with it? Please help me. According to my calculations after 24 months, I have paid them over $6,000. Out of this amount over $5,000 have gone to interest alone, and apparently very little or nothing has gone to principal, $184.00 dollars to be exact. On November 6, 2008, they sent me a letter with a settement offer: 1) to paid them $2,900 total,according to them is %40 of the balance or 578.29 for six months which is((%30)of the balance.

I have 3 kids, I paid mortgage, car payment, insurance, food, clothing, and all the expenses in the household. Further, I take care of my elder parents. I do not know what to do, it seems that I can not come out this debt.

They told me that if I didn't make the payment, they would demand the entire amount of the loan. If I can't give you $300, what makes you think I'm gonna come up with the other thousands of dollars? The interest rate is out of this world and there is no way to get it adjusted.

If you don't pay them on the 1st of the month, thats when the calls start. They say you have till the 15th to pay. Why all the phone calls? I left my cell phone at home one day, and when I got home from work, I missed 20 calls from Cash Call. They call from about 9 am to 10pm. Then there are the emails. I was hard up for money and had an emergency situation when I borrowed the money. Believe me when I tell you that it is not worth it to borrow money from Cash Call.

I was in desparate need of about $1500 dollars and they approved me for the amount I was requesting but I was amazed at the amount of interest these people were charging, I beleive I was charged 99% interest. I will have paid them roughly $9000 plus for a measly $1500 Dollars by the time im done paying them. They cant let people like this get away with this, Cash Call is a bad company to deal with.

Ive fallen further behind on my finances because Im having to pay way more money than I feel that I should.

I was in desparate need of about $1500 dollars and they approved me for the amount I was requesting but I was amazed at the amount of interest these people were charging, I beleive I was charged 99% interest. I will have paid them roughly $9000 plus for a measly $1500 Dollars by the time im done paying them. They cant let people like this get away with this, Cash Call is a bad company to deal with.

Ive fallen further behind on my finances because Im having to pay way more money than I feel that I should.

I applied and received a loan May 19th 2008 for $2525.00 I have made a total payments for $1606.33, my balance showing as $2549.85. I am not sure they are using fair and legal loan practices.

I had a loan w/ Cash Call for 2,500 dollars and my monthly payment was around $250-$260.00 & they made sure that as little as possible went towards the actual loan amount. About 80-90% of my payments I'd make every month went towards interest! CASH CALL KNOWS EXACTLY WHAT THEY'RE DOING TO PPL!!! THEY WILL DO WHATEVER IT TAKES TO TAKE YOUR MONEY FOR AS LONG AS THEY CAN!

Even though I paid off the entire loan 2 yrs ago...it still doesn't reflect on my credit report! So, I'm still having to deal w/these ppl today about the payment reflecting on my credit report! Do yourself a favor..do not waist your time using Cash Call, or any co. like them!

Thsi company is not willing to work with you at all if you run into financial difficulties. There rates are extremely high, and they have no compassion for you if you are having financial difficulties. They have made many errors on my account since I have been with them, which has been over a year now,

I took a $5000.00 loan and was told that this was the least amount that I would be able to borrow. Unfortunately I was in desperate need of the money at that time. My payments are $254.03 per month, my husband got laid off his job and I called them to try an make other payment arrangements on my account, they stated I had to make the payment or they would begin collection proceedings. I ask what exactly did that mean, they stated that they would request that I pay the balance in full. If you can't make the monthly payment what makes them think you can pay the entire balance...

Is there anything that can be done? do we have any other options?

I called Cash Call and took out a $5000 loan in March of 2005 to purchase a car from an individual seller. I was told on the phone by the lady that helped me that my interest rate would be 57%. (A high amount, I reasoned, but I really wanted that dang car...) I told her that I would think about it for a couple of days and was told that if I didn't go online and sign the loan documents before a certain time THAT day, I would have to reapply and couldn't do so for another 60 days. I was on my way to work at the time and by the time I got to work, I had 7 minutes left to get online and sign the documents before my approval would expire.

So I got online at work, scrolled through the loan docs to the bottom for signature, and electronically signed the loan. According to the Cash Call representative, I had just barely made it. She then told me that if I pay more than the minimum every month, my loan would be paid off quicker than the 10 years that I signed the documents for. At this point, I was told my payment would be $251 and change a month. Since I was already at work, I had to let her go and it didn't occur to me that $251 a month for 120 months was WAY more than 57% interest. I feel like I was preyed upon and rushed into a decision that was made because of lies and withholding information. I've now paid $251 and change a month for 41 months. It has come directly from my checking account on the 1st of every month. I've never been late or missed a payment until now. I checked my balance this past March and my balance was $5187.00.

I researched through their site and found that my interest rate was 98%, not the 57% I was quoted. They don't include balance information in any correspondence. You have to go search for it.

To date, in 3 years, I have paid $10,306.00 on a $5000 loan. And I supposedly have another 7 years to go! They have reported me as late 4 times, even though they took the money directly out of my checking account on the 1st themselves. I'm perfectly capable of continuing to make my payments, but I'm done. I was lied to in the beginning and I think making more than 100% on their loan amount is more than fair. I will not pay them one more cent unless they fix my interest rate to what I was originally quoted and credit my account for any amounts that I overpaid. I did not make my October payment and will not make any more payments. My credit is pretty good right now (even with the missed payment and 4 erroneous missed payments) and I intend to add a note to my Cash Call account on my credit reports. I regularly pay more than the minimum on most of my credit accounts, but I haven't with Cash Call since they insist on making it difficult to do so. Any extra payment sent in is paid on the interest and not the principal unless you send a letter with every extra payment to a specific address. They call several times a day and I don't answer the phone. I feel like I'm hiding out from Guido the body mangler...

Damage to my credit report and stress with the fact that I was duped and rushed into signing the documents. It's severely offensive, to say the least.

I received a loan from Cashcall in 2004 following a bankruptcy and no other company would loan us any money. I had been laid off from my job and could not pay the rent. My husband had just went back to school and we were in really big financial trouble. CashCall gave us a $5000 loan. To this day, I still do not know how much we owe as every time I try to contact them, I get the run around.

Recently they have send I was behind in my payments and not only took out the $251.03, but an additional $30 for the past two months. I had to close our account to make it stop. I have reported them to the FTC, so hopefully something might get started. We do not receive a written statement with APR or balance information either by email or mail and I recently found out that not notifying customers of this information is illegal. So something needs to be done.

If only I had read about them more in detail before I did the loan, I would have chosen not to do anything. I am further in debt than ever before. I can't see any way out at this point. I hope people realize that this company can do nothing but hurt them.

in 2005 i took out a loan for $2500 and the pay off balance was supposed to be $5000 for three years if no payments were missed.to this day i am still paying on that loan and almost have payed $9000 dollars they did not even say anything about that until i tried to defer a payment.they hassled me just for trying to push back a payment for 2 weeks.to all who wants to use this service i plead DO NOT!!!

this service has caused me to be behind in a lot of other payments and that is painful.

I fully intend to repay that amount i borrowed, but is there anything that can be done to get the interest rate lowered to a reasonable amount?????

I was desperate for money, I requested a $2,500 loan amount. Cash Call said I qualified for $5,000, I told them I only wanted the $2,500. They practically insisted I take the $5,000. The next day they put the $5,000 in my bank account. Naturally, being as hard up as I was, I used the entire $5,000. That was in 2006.

I have made regular payments of $254 every month for almost two years now. My payoff amount the last time I checked was $5,850, and the interes rate was something like 97%. I was very upset to learn that after all this time, my debt is growing by the minute. They said by the time it's paid off, if I continue to make the minimum payment of $254 a month, I will pay $21,000.

I am a widow, and I am still in financial crisis, Cash Call is nothing less than a Loan Shark! I would give anything if I could go back in time and never make that call. Please people, DO NOT USE CASH CALL!!

The locan is growing drastically. It is ruining my life. I am in more debt now thatn I ever was because of them. They prey on desperate people when they are at their weakest...it's a sin.

I took a $2600 loan 1.5 years ago. I have made payments as expected, with exception to one 2 month deferral. To date, I have paid this company $3697. My pay-off amount today is $2564. At the loan end-date I will have paid nearly $9000 dollars. The loan was misrepresented and the 96% interest rate was not clearly communicated.

I am in absolute financial turmoil at this point. The company offers no way out other than 100% payoff. This is a predatory lending practice and is deceitful in it's misrepresentation of charges and services.

In Aug 2007, my husband took out a Cash Call loan on the internet. I've been paying on it for a year now and was surprised to find that the loan balance has grown! I feel like I have been mislead. I am out of work right now and considering bk because of this loan.

Someone actually came by my house and calls have come after 9 pm, so I no longer take calls from unknown numbers. I didn't know that debtors could do this. Now, my husband and I are afraid of falling behind and don't know what they'll stop at.

I borrowed $2600 and have been paying $215.00 a month for 6 months, when i saw my balance and and was shocked to find out my balance owed was $9000. If there is ever a class action lawsuit please count me in.

I am a single parent with a single income, I have had to close my bank account because of financial hardship, I get about 20 missed calls a day they call early in the am and even holidays.

I took out a loan 4/30/07 with Cashcall for $2600.00. I have never missed a payment and nor have I ever been late on my monthly loan payments (deducted directly from my checking acct.); however, I called today to get my pay off balance and they told me it is $2,618,73. I also asked how much have I paid to date and they said $3,255.18 and my next payment in the amount of $216.55 is due this month on the 15th. I do not understand how this can be, by the time I finish paying off this loan, if I go to the rest of the terrm, will have almost tripled the amount of the loan amount I received.

When I took out this loan, I had every intention of paying it off in six months, but due to unexpected hardships, I was not then and have not been able to do so even now. Before signing any paper work and finalizing the loan via telephone, I was told when I am ready to pay the loan off (in the six month period), I would only pay the balance due of the payments already received on the $2600.00 plus fees. This has turned out to be a straight out lie coming from Cashcall.

When I called today to get the pay off, I guess I was not surprise because I had requested an itemized statement and after 3 or 4 attempts to get it, I was finally sent one in the mail and I was shocked over the amount paid and the balance due. Ever since, I have gone on the net trying to seek help in having someone look into this to see if these people can do people like this. They take advantage of those with less than perfect credit and screw us out of extra monies that we already do not have.

I have no problem paying my debt to them, but to almost triple pay back these people should be a crime in every sense of the word. If there is any help out there, please call me or email me. I graciously thank you in advance. I wish something can be done about these people who are taking advantage of myself and others like me.

I am already in a financial bind and my finances with other bills have gotten worse. I have fallen so far behind in other bills trying to keep up with these payments that I really did not expect to still have this late. I have paid on this account for over a year now and have paid more than the loan amount and will have to pay a little over the loan amount lent to me if I continue the monthly payment. I have had sleepless nights worrying about this loan and even more so after finding out I sitll owe over $2600.00 after paying $216.55 for over a year without missing a beat. Also, I no longer work two jobs like I was when I took out this loan and this has caused an even more of a hardship. I had to stop working one of my jobs due to being stressed and getting sick worrying about my finances.

I took out a 2600.00 loan in April of 2007. I have payments of 216.00 per month. Total to date I have paid just over 3400 dollars. They are telling me I still owe 2500.00 The interest rate is like 98%, and says its legal because it is written by the bank of Delaware. This has to be loan sharking, cash advance store was bad, but this is outragious. I understand not to fall behind because they will call your employer and harass them as well. The one time I was out of town until the 5th, and I had 41 missed calls because my payment was 4 days late. Please Help

My house is 5 days from entering foreclosure, the stess of their calls non-stop if I am ever late. In the world today, how can anyone recover. Well I know one thing, I'll go with out food before I am ever exploited by payday lenders, or fast cash operations again

have paid in 2800$ on a 2700$ loan that i took out a year and ahalf ago. called to pay it off and was told i owe 2780$,thats more then i borrowed, i have missed some pyts but wanted to get them off my back so was going to pay them off but refuse to pay them that much going to seek legal advise on this matter

phone calls all day long if you are going to contact me email me then i will return your call wont even answer phone any more cause they call so much thank you

In june 2006 I took out a 5000.00 loan from Cashcall. I never received any reconciliation of my account until I asked for one. After 14 months of paying approx. $254.00 Iwas stunned to find out I still owed $4900.00! If there is going to be a class action law suit count me in. I am furious that our government does nothing to protect its citizens from this kind of loan sharking.

When I received the reconciliation in the mail I could not believe my eyes as to what my balance was.

I took out a loan with them July 2006 for $2000. I starting have some financial difficulty and fell behind on some payments. They have called and harassed by co-workers several times a day. They even called my cell phone 20 times a day leaving nasty messages.

Cash Call has cause me stress and embrassment by constantly calling my cell phone and job. They are charging 100% interest on their loans and expect for me to pay back $10000 back on a $2000 loan.

CASH CALL is a rip off! They make sure that you can never pay them off. They charge HUGE Interests rates. They prey on the poor and desperate. DO NOT DEAL WITH THEM. File Bankruptcy or go through Consumer CREDIT COUNSELING a non profit debt management and training program that helps you get back on your feet. The emotional roller coaster from the constant phone calls and threats and intimidation could never be totaled.

I receive a loan from these people over two years ago. I am now past due three months. I can not pay this back. I pay 216.00 a month for over a year without missing any payments. I got sick and had surgery and got behind on everything I owe. These people call my work and very rude to my co-workers. I am so embarrassed.

I dread coming into work everyday because I know they are going to start calling and call all day every thirty minutes. I am to the point of thinking I need to find another job, which I don't want to do because I have been here for over seven years. I do not know what else to do... Please help

I have a $1,000 loan with Cash Call and I have to pay back $84 a month for 42 months. This is near 90% interest. It is unlawful for them to do business in Georgia, but they say that because they lend via the internet, they are not subject to any state or federal laws. Every attorney general has had complaints about them, but no one can do anything about their business practices.

Per the laws of Georgia, I have paid them in full. But they insist on their $84 per month for 42 months. If you are a day late, they start harrassing you with the phone calls.

My payment is due on the first of the month, lately I have been off work due to a work related injury. I called them to explain about work and as soon as they heard that I was not going to pay on the first the phone calls started coming in every fifteen minutes.

As soon as the phone is answered they hang up this goes on most of the day. How legal is this type of phone calling, what can I do. I have asked them to stop calling I am not at home during the day I am at work, but my family member is here all day.

The calls are an annoyance to my family members, they are nerve racking.

I had the misfortune of making the call to this people, and sadly found out they make it virtually impossible to pay them back. I decided to double my payments in an effort to pay this horrible loan faster and ran into a brick wall, it seems that everyone who works there is trained to treat their customers like second class citizens and to be extremely brute and bully one around. I spoke with someone in their office to notify them of the double payments I had made and found out they were being applied to my interest not the principle. I was told that I needed to call same day and notify them of what I wanted so,

OK here came the next month and I called and I was told OH-NO you have to request it by writing to us! I was enraged, and still are, but what can I do? I do not want to ruin my credit I've been trying to fix it for years now. So I'm still paying and getting harassed by this people because its not their on 1st when their REMINDER notice clearly states you have until the 15th , and I must agree w/ one of the complaints, they have NO problem calling as late as 10 pm and being rude to my children. I try to spread the word to as many people as I know not call this company,and feel they DO need to be reprehended to fullest extend for not making their very fine print clear to the consumer and the harassment.

The consequences to their actions have left me in different state of mind. I am tormented every month with the idea of I am NEVER going to pay them off! I feel physicly ill my stomach turns and my head hurts i feel anger at the idea of ruining my credit, because of this bullies. We live in a society where you are your credit score and your quality of life is based on it.

i took out a loan with cash call for 5,000 dollars. this loan is an unsecured loan. the interest rate is morally way too high, however that is not the issue at hand. They put a lien on my property for the amount owed. I am currently making payments to them. because of hardship and divorce I did miss some months of payments. now i was under the impression that maybe they could garnish wages or even my bank account. Can they legally put a lien on my house even though it is an unsecured loan? i would have never taken out this loan if i thought they could do this because i already have a second on my home. It is very stressful that they attached this lien. please advise.

Initially I took out a loan with cashcall after seeing a T.V. commercial. I interacted with them by phone and e-mail. I did not know of subprime loans at the time and was not given an explanation in terms of this being such a loan. I became aware of the exorbitant interest after the deal was done. My awakening actually when the forecloresures on homes began,with the explanations coming from the newspaper. I paid my bill to cashcall each month on time. Recently I have suffered a reduction in pay as I am on sick leave from my job, and have to retire due to disibility soon.

In view my situation I started calling cashcall to try to reduce my monthly payments. These calls are to no avail.Just recently I called to let them know that I needed their help and would not be able to make the designated payment. The representative told me that the best thing for me to do was to try and borrow the monthly payment, which is impossible, then she persistently badgered me to committ to give a date for another payment as I had paid half the amount.

It seems that companies such as this one should be investigated, and put ot of business. They are a rip-off and make loans without full disclosure up front. If I had known that interest of 99 percent was compounded daily I never would have gotten the loan. On this day while speaking to the representative, who seemed to be demanding that I committ to a payment date I started to go into an anxiety attack and became extremely stressed out. I was trying to make an arrangement to pay an amount that would enable me to eat and have gasoline money to get to my doctor, and, it seems that that no matter, they don't want to hear it. I'm for a class action suit against cashcall if there is a case and others want to be part of the class. Currently my income is 2280.00 monthly and effective September 14, 2008 it will be 1996.00 before taxes, how am I supposed to live?

Anxiety or panic attack, stress,depression. My life seems to be going downhill. Everyone else is working with me and this company is demanding that I make the regular payments, not having the income I feel as if it would be better to just die.

Back on August of 2006 I needed money and I took out a loan from Cashcall. They advertised on TV with such confidence. The amount of the loan was $2500 and monthly payment were calculated to $216 per month. Not knowing that they charge 96% interest, this loan will cost $9000 to pay off. This is obsurd and unfair to the consumer. How can they do that.Right now I am behind two payments, because of financial difficulties and I am being harrassed by email, calls and I keep receiving threats. I don't know what to do.Please help in some way.

Cashcall has reported negative information to my credit.

I needed cash back in 2006 and I saw cashcalls deceiving ad on TV with a happy Gary Coleman as its spokesperson. Got the loan and never was told that a $2600 loan would cost me $9000 to pay. They have tricked me and have deceived me. I have made every payment and they have reported negative information to my credit for being late, despite never being late. This is a nightmare for me. I am being harrassed on my cell phone day and night. I am experiencing financial hardship and I have fallen a bit behind and I constantly get phone calls from their rude customer service.

i had taken out a loan from cashcall and have been paying for 3 years and have only missed 1 payment when i had to close my checking account because of fraud. I have paid nearly $6000 on a 2500 loan, my house payment interest rate has reset on it and now the cashcall payments are difficult to make now

I have called the owner of cashcall (J. Paul Reddam (949) 752-4601 and he has not responded to my message i have tried to reduce the rate on my cashcall loan through there so called custumer service and collection department but they will not even listen to me about it.

I am very much stressed about this and can not believe that a company has made it as big as CASHCALL by destroying people and families

I've currently been off work since 1/3/08 and this is the first payment (February) that has been paid yet. Since this is short-term disability, the check coming from the state is only enough so far to pay my Rent, utilities, and another large bill that I have. I explained to Noel that as soon as I get the money I would pay it.

It's not that I don't want to pay it. I don't know when I'm going to get the next check because my doctor has to sign my disability form and I'll see him on this Friday when I have surgery. Noel was very rude. I told him as soon I got the money I would pay it. It's bad enough that they don't send a monthly statement for you to see what and how your payment is being supplied.

I'm trying not to get stressed out since I'm having surgery on this Friday, 2/29/08. I'm not trying to get of paying what I owe.

I had to take an advance through this company; in the mean time lost my job, my home and my father. They continued to harass me, telling me "I'm not your husband, or your friend. I don't want to hear it." I get up to 15 to 20 calls per day, and as of this date I'm only 21 days past due. All of them have been EXTREMELY rude, calling my cell, home, and up to 9:00 p.m.--starting at 8:00 a.m. I know there are laws, so what can I do? I had planned on paying off this $2,500 loan in a matter of a couple of months, but as I lost my job, I was lucky to keep the lights on. Please help me; I can't take much more of them.

I can't sleep at night, knowing the calls are going to start at 8:00 a.m.. My cell rings continuously, and the stress it is affecting my life in general. I truly can't take it much longer.

It is apparent in their website that Cashcall.com is charging absurd rates of interest, and doing this by going through loopholes in laws. This company is charging interest rates on loans in excess of over 90% (apr).

This causes a $10,000 loan payment to be close to $500, and you have 120 payments--paying almost $60,000 for a $10,000 loan. There are laws in other states that prevent this, but they have found a law that allows them to do this. It should be stopped immediately. It is clear that the loans are not being made on good faith, but more to scam individuals from their money.

My husband ad I took out a loan for $2600.00 in 2006. We have been paying on the loan for over a year. My husband was deployed in October 07 to aid in the Southern California fires. Then in November shortley after his return from Southern California he was called to active duty. My husband who has served his country for 8 years and has recentley reenlisted due to army needs has requested relief under he SCRA. (Servicemembers Civil Relief Act) which states that creditors must reduce the amount of the interest rate.

Cashcall has stated that they have contacted my husband's chain of command and that the SCRA does not apply to him. I have faxed them a copy of the SCRA as well as a copy of his military orders, yet they continue to bully and threaten to ruin my husbands military career. They have called up to 22 times in one day..each time I answered the phone, yet they stated that they have been unable to contact me.

I have been forced to file a cease and disist letter with them because the continued harrassment has left medically needing to take blood pressure medication. The stress of having a spouse serve is alone difficult but when there are creditors who do not follow the laws...either SCRA related or under the Fair Debt Collections Act..there should be legal action that us consumers can take against these creditors. My husbands service aids these peoples freedom...yet I am inprisioned by there bully tactics.

I have NOT refused to make payments. I have only asked relief under the SCRA since we were materially effected by my husbands active duty statis!

I am in debt to Cash Call. I keep getting calls from them starting at 8 a.m. Mon. through Sun. and even sometimes late at night after 9 p.m.. They have been calling the people I used as references and telling degrading things about me and even saying these things to my supervisors at work. Ms Rodriguez has left threatening messages on my home phone and telling me to be a man and answer my phone. Today I told her to quit calling me and to quit calling the people on my reference list and quit calling my job. She continued to call me at least another 5-8 times and leaving messages trying to belittle me. I sent them an email telling them again to quit calling me and that the only correspondence I will accept is by letter or email. Even now as I type they have called at least four more times.

I have become very stressed out by this whole situation and my friends that I used for references look at me funny and ask me if everything is all right. I don't know what to do as I can't sleep or even answer my phone. Please advise. Thank you very much.

I took a loan out with Cashcall over the phone 6-1-2004 for $5,000. Had paid on the loan every month until I lost my job. Called Cashcall to see if the loan could be put on hold until I got another job. When the better Business Bureau looked into the matter I found out that the promissory note I signed on-line was for $24,244.79--not $5,000. When I read this I could not talk or think--just needed to find out how this company could be a legal loan shark. I thought I owed $207 for 45 months--now I don't know what to think. Cashcall said that the account would be put on hold for two months, and that after they went into my account which had $7.00 in it, hit the overdraft and got this month's money.

There is no way I feel I should pay 24,244.79 for a $5,000 loan.

I have requested in writing and verbally for the above Creditor to stop calling my job. On September 25,2007 I was called into the office by my supervisor and her superior to inform me that Cashcall called and asked them a series of questions about me. I have explained to them this could cause me to lose my job

I made a loan through this company for $5000.00 on Dec 2006. So far I have made six payments of $254.03 taken directly from my bank account every first of the month, and the balance I have to payoff it shows at $5535.11 July 26,2007. After all this payments the balance has not gone down at all ..

Now I have not given my July payment because my bank account has been closed and the people at Cashcall are mad at this and they have been calling me everyday just harrassing my job, my cell, my home and my Parents' house. I told them I want to pay off this balance, but they need to work something with me where they can reduce the amount I owe since I already paid a total of $1524.18.. I do not make that much money to just be throwing out in the trash like this. $1524.18 and the balance has not gone down at all. And everytime I call their collection's department to work something out or whenever they call me they are just very rude from the beginning.

I get headaches everyday, I am very stress and paranoid when the phone rings.. This is not the way to live!

After numerous attempts to bargain with CashCall on a payment plan, since I can no longer pay the $10,000 debt amount, daily I am threatened by phonecalls and email. One such email states that a CashCall rep. will pay a visit to my home and or work place to discuss my debt. Expenses ($200 per visit) for such friendly visit will be charged to my account. Please advise on how deal with such harrasment.

Due to stress, my concentration at work and home has declined. Because of lack of concentration, I had to take days-off, which leads to lesser income and thus more debt.

this company want me to pay them 216.00 a month for 40 months with last payment being made in 2010 i have ben paying this amount since febuar 2007 with only nine dollars being appied to my loan and the rest to the principal.