I was in a tough situation last year and saw an ad on TV for Cash Call... Of course it sounded too good to be true, but I called and leisted to all these friendly people tell me how easy this loan was and so on and so forth. I ended up thinking it over a few days then finally agreed because I really needed the money. It was the biggest mistake I have made. I paid on time without any problems up until a few months ago, I had some medical problems and was in the hospital and couldn't pay. It overdrew my account causing more problems. They would call day in day out, they would send nasty e-mails. One day the lady on the phone said I had 12 hours to make a payment or it would go to arbitration... I ended up borrowing money from a friend to make the payment... Their scare tactics worked that time. Then I got back in this cylce of falling behind and owing money... I missed a payment of thiers again and again the nasty phone calls started, letters in the mail you name it. I would get a letter saying you have 10 days from the date of this letter to pay... They would call I would tell them I didn't have the money... Then they would say you have to pay by midnight... Then same call the next day... The so called "10 days" was up and I still had until midnight to pay. After thinking about it I figured they don't want this to go to court becuase I will just owe the outstanding on my loan... Not all the ridculous interest they plan to make off of me. I figured it out and IF I paid my minimum monthly balance it would take 5 years to pay off and I would have paid $10,000 for a 3,000 loan. Its stupid. So I am not paying them, I hope they take me to court then I will only be paying what I owe not all the extra thousands of dollars they are hoping to make off of me. Their collection people are out of line, its not acceptable to treat people to cruel. Something needs to be done, they can't get away with this!!! Spread the word!
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