MyCashNow.com

I just want everyone to know that I worked for this company, for a year. Mycashnow, Paydaymax and Discountadvances.com are all owned by the same person, as well as the collection departments. They have a call center, in Chattanooga, TN and Costa Rica, as well.

There were also complaints on FTC, so I began to realize that this company is a scam. They say that they don't sell customer info, but they do. I had numerous customers say that their checking accounts were hacked and stole the money. I was reprimanded for telling a customer the truth about a call center in Costa Rica and other info about the company. I really hope someone takes the info and doesn't fall into this trap and scam for Payday loans.

I receive numerous loans from MyCashNow and I had got to the level that I receive 15% off my loan and had numerous new customer referrals. When I went back to apply for another loan to help pay for my daughter school, they came back and told me I don't meet their standards. I asked the lady when did that happen because I had received at least 10 loans from your company and had paid them back on time. She replied, "You don't meet the underwriter's guideline."

I received a $360.00 loan from MyCashnow.com on July 3rd, 2009. I was unable to pay the money back in the time period they allowed me. The interest was outrageous and building up.

In December 2009, I set a payment plan with my cashnow to take $50 biweekly out of my account. The settlement amount we agreed on was $652.23. I paid mycashnow $100 in December 09, January 10, February 10. I called in March of 2010 to check on my balance and they had stopped taking money out of my account due to ISF, I then paid them the past $150 that should have been taken out so I was caught up to my payments. I was told I had to go online and reset up my payment plans so they could continue to take out $50 biweekly.

I did just that and they stopped taking money out of my account again. I received a letter in the mail from National Credit Adjusters saying that they would be able to offer me a substantial discount of 50% off my current balance which they said was $519.64. They wanted a payment of $259.82 and my account would be settled in full. I then contacted NCA on 6/7/10 and explained to them that I had already had payment plans set up with mycashnow and every time I have tried to call them that I only got a disconnected sound.

I called mycashnow numerous times with no response back. I explained to NCA that I have proof that mycashnow was taking money out of my account and I only owed $252.23. I told NCA that I would make payment arrangements to pay the $259.64 and it was denied. I then told him he will have to take me to court, they responded with an okay and hung up.

On 10/6/10, I received a call from an unknown number and spoke to a lady saying she was representing mycashnow and wanted to know if I could pay $519 before it gets sent to court. I told her absolutely not; I have already discussed this with NCA and I have tried numerous times to contact mycashnow and have received no response from them. She kept putting me on hold so she could talk to the attorneys to see if they could settle for a lesser amount. I then got transferred to a Jeremy **. He told me I could pay $333 today or pay $222 every month for three months. I told him absolutely not.

I then explained to him the amount of money I owed and the situation from NCA and the situation from mycashnow and he then put me on hold so he could talk to his attorneys. He got back on the phone and I asked him why his company didn't send me a letter in the mail saying he was representing mycashnow and he said he didn't have to as this was just one last attempt to see if I could pay it off so I didn't have to go to court. I then asked him how he could say I was being charged with fraud when he had no idea whether or not I had intentions of paying it back or not. He replied and said that it would have been paid off and we are trying to collect it so you don't go to court. He told me that the attorneys he spoke to would settle for the amount I owed of $252.23 as long as I faxed in my bank statements proving that mycashnow was taking money out of my account.

We agreed that he would receive a payment of $100 on October 14th, and $152.23 on October 28th. I asked him for his address so I could send a money order in; he said they don't accept any mail orders because they could get lost in the mail and only accept visa checkcard/debit card. I said well I'm sorry I am only able to send in a money order. He then responded and said," well, good luck in court, you can call me back if you change your mind", and hung up.

I received a $360 loan from MyCashnow.com on July 3, 2009. I was unable to pay the money back in the time period they allowed me. The interest was outrageous and building up.

In December 2009, I set a payment plan with my cashnow for them to take $50 biweekly out of my account. The settlement amount we agreed on was $652.23. I paid mycashnow $100 in December 09, January 10, February 10. I called in March of 2010 to check on my balance and they had stop taking money out of my account due to ISF. I then paid them the past $150 that should have been taken out so I was caught up to my payments. I was told I had to go online and reset up my payment plans so they could continue to take out $50 biweekly. I did just that and they stopped taking money out of my account again.

I received a letter in the mail from National Credit Adjusters saying that they would be able to offer me a substantial discount of 50% off my current balance which they said was $519.64. They wanted a payment of $259.82 and my account would be settled in full. I then contacted NCA on 6/7/10 and explained to them that I already had payment plans set up with mycashnow and every time I have tried to call them, I only got a disconnected sound.

I called mycashnow numerous times with no response back. I explained to NCA that I have proof that mycashnow was taking money out of my account and I only owed $252.23. I told NCA that I would make payment arrangements to pay the $259.64 and it was denied. I then told him he will have to take me to court, they responded with an okay and hung up.

On 10/6/10, I received a call from an unknown number and spoke to a lady saying she was representing mycashnow and wanted to know if I could pay $519 before it gets sent to court. I told her absolutely not, I have already discussed this with NCA and I have tried numerous times to contact mycashnow and have received no response from them. She kept telling me to putr me on hold so she could talk to the attorneys to see if they could settle for a lesser amount. I then got transferred to a Jeremy **, he told me I could pay $333 today or pay $222 every month for three months. I told him absolutely not. I then explained to him the amount of money I owed and the situation from NCA and the situation from mycashnow and he then put me on hold so he could talk to his attorneys.

He got back on the phone and I asked him why his company didn't send me a letter in the mail saying he was representing mycashnow and he said he didn't have to, being this was just one last attempt to see if I could pay it off so I didn't have to go to court. I then asked him how he could say I was being charged with fraud when he had no idea whether or not I had intentions of paying it back or not. He replied and said that it would have been paid off and we are trying to collect it so you don't go to court. He told me that the attorneys he spoke to would settle for the amount I owed of $252.23 as long as I faxed in my bank statements proving that mycashnow was taking money out of my account. We agreed that he would receive a payment of $100 on October 14th, and $152.23 on October 28th. I asked him for his address so I could send a money order in which he said they don't accept any mail orders because they could get lost in the mail and they only accept visa check card/debit card. I said well I'm sorry I am only able to send in a money order. He then responded and said well good luck in court, you can call me back if you change your mind, and hung up.

These are all payday loans. I'm charged $100 and $140 bi-weekly finance fees on $400 loans. I recently found out these loans are illegal in my state of PA? I can't afford my bills. Twice a month, I have $400 in just finance fees taken directly from my checking account.

I called the 866-645-1661 phone number to make arrangements for payment. The representative from Mycashnow said that the only options available to me were that I extend the loan for another 2 weeks or month. I told her that I did not want to extend it anymore, and that I just wanted to make payments because my hours at work were cut. She said that those were the only options I had. Mycashnow did not want to work out payment arrangements with me. This has caused me to be more stressed out. I don't want them to contact me at work. I told them that I wanted to work out some type of payment arrangement, but they refused. They just wanted me to extend the loan.

I applied for a 'loan' with this payday loan company, not realizing how high the fees would get to be as I tried to pay back the loan. When I called them and asked them to help me by setting a payment plan and freezing the amnt I owed, the representative was rude and told me there was not payment plan and that if I didn't pay all fees in full as they collected I would be reported to a credit agency. That same day I received a default email saying that I now had three days to pay in full and i was being sent to a collection agency.

I ended up owing almost an extra $100 on a $300 loan and not able to pay back right away.

I took a payday loan out because my husbands account was frozen. I took it to help him with his rent. I found out my account was frozen and when I tried to explain to them not to call my job because my line is recorded they yelled out my information on the recorded line. They also left messages about my loan to coworkers as well as on my answering machine. I borrowed 300 and was told I have to pay back 330. When I called back to make payments they said my bill is $900