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 my statements 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.

United Cash Loans deposited money into my account without my permission and then started withdrawing out 4 to 5x's as much back out with no end in sight. This isn't the only loan company that did it. Apparently 1st Credit Now gave my information to several rip-off companies and they bled me dry. Thankfully my bank saw the fraud and is getting most of the money back but the damage is done. Lots of my bills were not paid or were late. My credit is very messed up. I went into my first ever case of deep depression and had the worst summer of my life. They need to be stopped and clean up the messes of peoples lives they have destroyed. Unbelievable. How do they live with themselves?!

Yesterday I got a phone call from a collection agency supposedly working for UCL threaten me saying that I owe money from a loan I got in 2003, I NEVER GOT THE LOAN I was rejected for whatever reason. Now I have to go a dig up paperwork from 2003 which I hope I still have. Can anyone give me some advice on what else I should do to stop this? They are calling me at home and at my job and they their very nasty threaten to have me arrested for fraud and other things. I can really use some help.

I submitted a loan application in October of 2007, They withdrew from my account every 2 weeks, balance was paid off and ALL OF A SUDDEN... I had more withdrawals taken out without a new loan... I am still paying on my loan... I FINALLY had the bank STOP those withdrawals and put out an alert anytime they tried to withdrawal from my account... I will never loan again online, they took 300.oo out of my account, I hope they don't get away with this. SOMEONE STOP THEM!