Thursday 4th of January 2018 08:49:09 AM
A few years ago I got a cash advance from Cash Today limited. I had several payday loans with them and although I didn't care for the refinance charges I paid what I owed and used them when needed. Well I received a phone call today saying that a loan I took over a year ago was never paid. I took loans for $200 and today they are telling me I owe over $2,000! I haven't received a phone call, a letter or an email regarding this situation and then a over a year later they're telling me they've been trying to contact me and I haven't responded. None of my phone numbers or addresses have changed and they have not attempted once to contact me until today. I spoke with Monica and explained to her that if I owed money I would gladly pay the loan amount and fee but there was no way I was going to pay that much money for a $200 loan. Then she offered me a 60% discount and a payment plan on a $1,400 figure. She offered me the option to pay $250 my next pay day and then it dwindled down to $100 since I explained that I am just getting ready to leave my job for a 12 week maternity leave and would not have a bi-weekly check to count on. Next thing I knew she had a man named Jack Davis on the phone claiming to be the Manager of the Legal Deptartment there and that they were trying to work with me since I had been such a good customer. I explained to Jack as well what I would pay if I did indeed owe money, even though I was fairly certain I'd paid the loan off, and then he got very rude and short when I asked for a Western Union address or mailing address since I was not going to authorize automatic debits from my account. Then it was I didn't have a choice, I had to pay the entire $2,225 at one time if I mailed a payment, they didn't accept any payment forms except for ACH debits, he'd take a payment of $60 bi-weekly if I authorized the ACH debits, I could make a Western Union payment but company policy was that I had to make a $300 payment in order to do that. When I asked for confirmation of the amounts, payment history, company policies, etc. in writing he told me they did not and would not provide me directly with anything in writing, they would present that to the payroll department at my job instead and garnish my paycheck. He threatened me with this several times all because I asked for information in writing and refused to provide an account number for automatic withdrawals. I've never heard of any debt that needed to be collected on being refused payment because it couldn't be withdrawn automatically from an account. He refused to provide me with the name of his superior when I requested it stating that he was the boss and there wasn't anyone he reported to. The call ended with me thanking him and hanging up. So far I have no proof that thsi loan was unpaid, and they want money from me without any explanation as to why.