I wish I would have done my research on this company before I ever used them. I took a loan out from them a few different times and paid them back each time. Well apparently this last one went into default and hasn't been paid. I received a call from someone named Alex today with a company who claimed to be a law firm; which I won't put their name here but I do have it, (and not only did they call me, they called my apartment manager and my parents trying to get a hold of me after they left me a message to call back) and my account had been turned over to them by CashNet USA and all of a sudden my costs are up to $1,751.55!!
I called back and ended up speaking with someone named Stan who seemed nice enough but made it sound like I was going to be prosecuted on this stating an affidavit (sp) has been filed for malicious intent and theft of goods for services from CashNet USA. He asks me if I can get this paid and how I'd like to take care of it. So I am completely freaking out, say the best I can do is $250 per paycheck (which is a lot of money but thinking I need to figure out how to pay this and all my other bills because I certainly can't go to jail on this) and he says let me speak to someone. He comes back and says that is fine, I'll transfer you to the banking department to set up direct payments from your checking. I say ok and I get transferred to the next guy who is about as rude as anyone can be but the arrangements are set up and done.
I set up the arrangements thinking to myself ok, well what can I do, I have to get a part time job or something because let's be honest, if I could have afforded to pay it back... I would have done so already. I mean $250 is alot of money out of each paycheck which is now coming out of my next 7 paychecks! I'm completley stressing out wondering how I am going to come up with this money to pay this account and all my other bills.
After I spoke to them I went to the CashNet USA website and found this for my state: "CashNetUSA is licensed by the Department of Corporations pursuant to the California Deferred Deposit Transaction Law.
Customer cannot be prosecuted or threatened with prosecution to collect on a deferred deposit loan." If that is the case, then why was an affidavit (sp) filed and all these legal terms thrown at me. I seriously feel like I was just threatened with this.
Seriously, I have NO idea how they can rack up charges 490%!! Something here stinks and I do not believe this is on the up and up! If anyone has any information and/or can give some advice, please let me know because again, this basic $300 loan went up to $1,751.55 and I don't have that kind of money.
0 comments