I received a payday loan from Cash Today Unlimited in May. I paid the loan and then closed the bank account. All of a sudden "Mark Johnson" from this company began calling me at work last week regarding this loan saying it was never paid. I told him not to call me at work and that I needed an address from him so that I could send a letter telling him not to call me.
I also told him that my employer does not allow these types of phone calls.
He would not give me an address. He said that they have offices all over the world and he could only give me a city and state (Reno, NV). He continued to call and harass me and said he didn't care if I lost my job that he would continue to call me until I gave him a bank account number to withdraw funds from. I told him that I would need something sent to my home address stating when the loan was taken and how much I supposedly owed them.
He was very hard to understand as he did not speak very good English. I believe he was from India. He said that he would not send anything to me and that I had to pay up or he would keep calling. I told him that I would call him today at 1pm to speak with him regarding this as I would be on my lunch hour at that time and could speak with him then.
He called at 9:30 this morning and said that I had agreed to call him first thing this morning with a bank account number. He said that if I did not call him back within the next hour that he was going to speak with my supervisor and garnish my wages. I then went to one of the managers of the company and spoke with her about this. She said that he could not just call and have my wages garnished. She said to ignore him which I did. He then began calling my work at 3:00 today. I told him not to call here, that I told him that he was not allowed to call here and that he needed to send me something in writing. I then hung up the phone. He called back and I had him speak with one of the managers of the company. He said he did not want to speak with her and that she was a liar saying that I was unavailable and to put me on the phone. She told him this is a place of business and to not call here regarding something personal. He said "how do you know this is something personal". She recorded the phone call and told him again not to call here. He continued to call back. The manager got back on the phone with him and he said to hold on that he had someone that needed to speak to her.
He then said he had the owner of the company that I work for on the phone and would she like to speak with him (he gave the other owner's name).
She said no that she did not need to speak with him. "Mark" then said that he had been in contact with the owner and he knew that we were not working and that we were just playing games. It just so happens that the owner is out of the office today and there is no way that "Mark" could have spoken with him.
I asked the receptionist and she said that someone else called with a thick accent while we were on the phone with "Mark" and asked what the owner of the company's name was and she gave him the name. So, this is how "Mark"
got the owner's name. He then told the manager that was helping me that I had put her down as a reference, which isn't true, and now she was responsible for paying the loan. She laughed at him and said she wasn't paying anything. He continued to call right up until 4pm which is when his shift ends. I know this because he told me last week when he called that he only worked until 4pm. Now the manager that was assisting me told me that she needs to speak with the owner to let him know what is going on. I'm afraid I am going to lose my job if these calls don't stop immediately.
What can I do? I have already told him he's now allowed to call, my employer has told him that he is not allowed to call, he won't give me an address.
I called this company three times last night and each time they answered using a different company name. Once then answered "Connections", next it was "Debt Collectors of America" and the third time
is was "Cash Today Ltd.". I spoke with two individuals, both with foreign
accents, who screamed at me about the money that I supposedly owe. I kept repeating myself telling them that I was not calling to discuss the money owed or not owed, that I was simply calling to tell them that they can no longer call me at work and that they are violating several laws by doing so.
They said that they will call me at work until I settle this matter with
them. Finally I spoke to a "Mr. Louis" who said that he was the manager of
the Legal Dept. (yeah, right). He said that he would make sure that I was not called at work and that I would need to work out an arrangement to pay them. I told him that I do not owe them any money and that my attorney would be in touch. He assured me that no one would call me at work and that he was now handling my file. I told him that "Mark Johnson" called me 22 times at work yesterday, which is not an exaggeration. He said that this was against regulations and that they are not allowed to call me more than 3 times a day. He said that he was listening to the recordings and how many times I was called. I ended the phone call by saying "You are telling me that 100% no one will call me at work tomorrow, correct?" and he stated "Yes". I have recorded all of these phone calls.
At 8:30 this morning"Mark Johnson" called me at work again. He said that he would call me every ten seconds until I agreed to pay the money.in the beginning, last week when he started calling, he said that I had to open a bank account for them to take installment payments out of. He said that I owed them $6,000 in interest. Now he is saying that he will settle for $201.00 via Money Gram. He said that I have to call him with the MG reference number no later than 12:30 on Thursday or he will start calling my work again. I just don't know what to do at this point. All of these calls are going through the receptionist at work and the owner of the company is not happy and is having the receptionist log the calls. I know that I am going to lose my job of 10 years over this if it doesn't stop.
The phone number that I was given is 877-290-5259. I found quite a bit of information on the internet regarding other people going through the same thing with this company. Here is a link to the site:
Http://www.debtconsolidationcare.com/forums/cashtodaylimited.html
These posts date all the way back to 2005. The address that I found on the internet (on this forum) is 1005 Terminal Way, Suite 110 Reno, NV 89502. I also found this information regarding an inquiry made to the Nevada Attorney General:
"The attorney for Leads Global Inc. A
Nevada corporation physically located in Great Britain (Leads, England) is the true name of Cash Today Limited. The collection calls are not coming from Nevada, so the jurisdiction of this office is going to be limited to Nevada residents. Although this office could work to shut down the mailing address, this office has no power to stop deceptive trade activities originating from overseas. However, I warned the attorney about the provisions of the Fair Debt Collection act and the provisions of Nevada law with regard to debt collection. At this point, there is little more this office can offer. You are highly recommended to contact the FTC which will have the ultimate jurisdiction over this matter.
John McGlamery, Deputy Attorney General Bureau of Consumer Protection 100 North Carson Street Carson City, NV 89701"
I filed a complaint with the FTC yesterday regarding Cash Today Ltd. Following is the information that the guy at Cash Today Ltd. Gave to me to send the Money Gram:
Payable to: HBS Services on behalf of Cash Today Ltd. Company ID: 5469 and he told me to give me SSN as the account number. City = Reno, State = NV.
I also found this information regarding their corporate office in the UK:
"Hello all. Cash today limited is really based in the UK. They use they US Address as a front. Call there parent company ICS and ask for Cash Today's number. They may ask you why you need it. Tell them someone from the company called you, but gave this number to call back for cash today. Talk with a manager at there headquarters in the UK. ICS #1800-865-3707"
Individuals online indicated that they are calling from this number: 442084922780 - but it comes up as unavailable on my phone.
Another number I found online is: 800-680-2177,800-670-4075.
Any assistance that you can provide would be greatly appreciated. Based on the forum online this company is making a lot of people miserable and they think they are above the law to the point of tying up every phone line at an emergency room because one of the nurses supposedly owed them money. I was told yesterday that if I don't call with a Money Gram reference number of 12:30 tomorrow that "Mark Johnson" is going to call my work every 10 seconds and make sure that I lose my job.
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