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Darren of Newville PA (09/01/08)
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
John of Sandusky Ohio OH (09/01/08)
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
John of Garden Grove CA (08/30/08)
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.
Nakisha of Pine Bluff AR (08/27/08)
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.
Shelley of Crossville TN (07/29/08)
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
Mary of Roswell GA (07/21/08)
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.
Gladys of Corona CA (07/12/08)
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.
Aurelia of Van Nuys CA (06/26/08)
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.
Nick of Ojai CA (06/17/08)
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.
Cynthia of Palmdale CA (06/13/08)
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.
Ali of Los Angeles CA (04/28/08)
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.
Ali of Los Angeles CA (04/01/08)
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.
Eddie of Modesto CA (03/13/08)
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
Deborah of Los Angeles CA (02/27/08)
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.
Rene of Stanton CA (12/24/07)
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.
Michael of Falls Church VA (12/18/07)
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.
Carrie of Rancho Cordova CA (12/10/07)
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!
Joe of Apple Valley CA (11/20/07)
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.
Renee of Los Angeles CA (10/25/07)
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.
Tanya of Newark NJ (09/27/07)
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
Caroline of Los Angeles CA (07/26/07)
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!
Kristine of San Jose CA (07/25/07)
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.
Thanks,
Kristine F.
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.
Camelia of Dallas TX (04/23/07)
i received a 2, 600.00 loan from this company and now i am being charged a fee of 9,000.00 based on a 96.00% rate i know this is a rip off and others need to be warned.
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.
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