This company is a HUGE ripoff artist. When I spoke to the customer service representative last week when I noticed additional fees taken from my bank account he stopped me in mid sentence.

The man was rude and treated me like I was stupid. It was my understanding that I would pay back $390.00 for a $300.00 loan. Well now the fees are up to $700.00.

Please someone put these people out of business.

The company called regarding an outstanding debt in December 0f 2007. Prior to the calls from the company, a third-party collections company contacted me in July 2007 regarding the debt. I made arrangements with the third-party collections company and had a zero balance with them. Six months later, United Cash Loans began calling requesting payment for the same debt again. I requested two pieces of information from them, 1: a letter verifying the debt and 2: to contact me in writing only. After speaking to several representatives and supervisors, the calls stopped around April of 2008.

In November of 2008, I began to receive calls from the company again. However, this time, the customer service representatives call me between 7 and 8 am. I inform them each time that they are calling outside the regulated call hours, and they call me a liar and say that if I pay the debt, they will stop calling, and that my refusal to address the debt will result in additional calls.

It is now January 2009, I have spoken to multiple supervisors at the company, and today after frustration (as they called at 7:09 am) I decided to file a complaint with the FTC. I don't know if it will stop the calls, but I figured, I have given them ample opportunities to address both the debt that has already been collected as well as the calls at 7:00 am.


I see there are multiple complaints about this company, but I thought I should add this as well.

I took out a $300 loan to help pay for my son's birthday party in September of 2008. I agreed to he terms of the loan, being that there was a $90 fee. The catch to this place is in their agreement (the prit out; not on the website), you have to contact their customer service once they deposit the money, or every two weeks they will reissue the loan & only take the $90 fee. You also have to contact the customer service on a differt site than were you applied. The first payment date I did noit get an email, and on the Wednesday before they were due to take the payment out, I used the website to contact customer service & sent an email advising I wanted the entire payment taken out. I got an email back THursday advising it was too late for the transaction to go through that way & Friday only $90 was taken out. So the next payment as soon as I got the email I saved it in my adress book so they would stop going in my spam box, Litterally the next 3 payments they took I tried contacting customer service through th email & throught the websit & was given a website down message or some crap. Finally in December, they started taking out the $90 plus another $50 towards the loan. The next payment, when I had paid back the $300, the $90 & some I put a stop payment through my account, which worked, but two weeks later (dec 31st- a wednesday) they issued a paper check for $382. I wish I had researched this further before taking the loan out- I just wanted to give my son a nice birthday party & ended up starting out 2009 with a negitive balance & not being able to pay my rent that Friday. I am so upset & still looking into what I can do to get my money back. I don't want the $390 I borrowered, I just want back the $400 they took from me, my 16 month old son & my unborn child.

I took a loan out in May 2008 for 200.00. I agreed to the payments and followed through with them as scheduled. In August 2008 I was informed they were illegal lenders in Maine an had a cease and desist order in effect from 2007.

I contacted the state and they told me I legally only had to repay the 200.00 I borrowed. When I went through mystatments I saw I had repaid and then some. The online contract was void because Maine law has presidense over contracts signed by Maine consumers who actually live in Maine.

I sent a cease and desist order and revoked my ACH approval, and placed an ACH block on my account and the next week they took out a paper check for 320.00, the amount they claimed I owed still.

I reported them again to the state and they told me to ignore them. The loan is illegal in Maine and even if they tried to sue, it would be thrown out since in Maine they have to be a licensed lender and they are not. The state has sent them several letters on my behalf with the law and telling to pay me back what they owe but the letters are refused by the company and returned.

This company is not licensed to lend in most states.

I took a loan out in May 2008 for 200.00. I agreed to the payments and followed through with them as scheduled. In August 2008 I was informed they were illegal lenders in Maine an had a cease and decist order in effect from 2007. I contacted the state and they told me I legally only had to repay the 200.00 I borrowed. When I went through mystatments I saw I had repaid and then some. The online contract was void because Maine law has presidense over contracts signed by Maine consumers who actually live in Maine.

I sent a cease and desist order and revoked my ACH approval, and placed an ACH block on my account and the next week they took out a paper check for 320.00, the amount they claimed I owed still.

I reported them again to the state and they told me to ignore them. The loan is illegal in Maine and even if they tried to sue, it would be thrown out since in Maine they have to be a licensed lender and they are not. The state has sent them several letters on my behalf with the law and telling to pay me back what they owe but the letters are refused by the company and returned.

This company is not licensed to lend in most states.