FAQs

  1. Why did I receive a Voluntary Refund Notice?

  2. Am I eligible for a refund?

  3. Is there a list of people who are eligible to receive a refund? Is my name on the list?

  4. How much will my refund be?

  5. What do I need to do to obtain a refund?

  6. When will I receive the refund?

  7. What will happen to my court case?

  8. Will Cashland continue to garnish my wages?

  9. Will I have to repay the refund?

  10. Can I continue to apply for loans at Cashland if I accept the refund?

  11. Will I be taxed on the refund?

  12. What can I do if I do not agree with my payment amount?

  13. What if I have additional questions?

  14. Why was the claims deadline extended through May 19, 2014?






1. Why did I receive a Voluntary Refund Notice?

According to Cashland’s records, you were sued in an Ohio court in a collection lawsuit by Ohio Neighborhood Finance, Inc., d/b/a Cashland, or one of its affiliated companies, between January 1, 2008 and October 1, 2012, and you paid money to Cashland as a result of the lawsuit. Any Ohio customer who paid Cashland money as a result of a collection lawsuit filed in Ohio during this time frame is eligible to receive a full refund of the amounts paid after the lawsuit was filed with respect to the loan sued upon, plus interest.

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2. Am I eligible for a refund?

If you were sued in an Ohio court in a collection lawsuit by Ohio Neighborhood Finance, Inc., d/b/a Cashland, or one of its affiliated companies, between January 1, 2008 and October 1, 2012, and paid Cashland money as a result of the lawsuit, you are eligible for a refund of the amount of money you paid after the lawsuit was filed with respect to the loan sued upon, plus interest.

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3. Is there a list of people who are eligible to receive a refund? Is my name on the list?

Yes, there is a list of eligible recipients. If you received a Voluntary Loan Refund Program Notice in the mail from GCG, then it is likely that your name is on the list.

If you would like to confirm that your name is on a list of eligible recipients, please contact GCG at 1-877-524-8480 or by writing to GCG at Voluntary Loan Refund Program, c/o GCG, P.O. Box 9958, Dublin, OH 43017-5958, or email info@gcginc.com mentioning the Voluntary Loan Refund Program, and GCG will respond to your inquiry.

If you did not receive a Voluntary Loan Refund Program Notice in the mail, or if your name is not on the list of eligible recipients but you believe that it should be, you may call GCG, toll free, at 1-877-524-8480.

Or, you may write to the claims administrator, the Garden City Group, at this address:

Voluntary Loan Refund Program,
c/o GCG, P.O. Box 9958,
Dublin, OH 43017-5958

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4. How much will my refund be?

If you are eligible for a refund, (see No. 2), you will receive all of the money you paid as the result of a collections lawsuit, plus interest from the date of the first payment you made after the collections lawsuit was filed through May 10, 2013 (the original claims deadline). Your refund will not include any amounts you may have paid before the collections lawsuit was filed.

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5. What do I need to do to obtain a refund?

There are two ways you can obtain a refund, if you are eligible.

(1) You should have received a postage pre-paid return envelope. Complete the attached Proof Of Claim And Release Form, place it in the return envelope, and mail it.

If you no longer have your postage pre-paid envelope, you may mail your completed Proof Of Claim And Release Form to:

Voluntary Loan Refund Program,
c/o GCG, P.O. Box 9958,
Dublin, OH 43017-5958.

OR,

(2) You may complete the Proof Of Claim And Release Form online by clicking here, completing the Proof Of Claim And Release Form, and submitting it electronically.

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6. When will I receive the refund?

For those eligible customers who submited Proof Of Claim And Refund Forms by the original deadline of March 8, 2013, the claims administrator, The Garden City Group, mailed refund checks on or before May 10, 2013. For those eligible customers who submit Proof Of Claim And Refund Forms by the newly extended deadline of May 19, 2014, Garden City Group anticipates mailing refund checks on or around June 30, 2014.

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7. What will happen to my court case?

As part of the Voluntary Loan Refund Program, Cashland has asked the courts to vacate each judgment, and dismiss each case. It will not be re-filed, you will have no further liability to Cashland for the loan that was the subject of the lawsuit.

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8. Will Cashland continue to garnish my wages?

No. Cashland has asked the courts to terminate any active garnishment proceedings that were filed to collect judgments obtained in Ohio collection lawsuits between January 1, 2008 and October 1, 2012.

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9. Will I have to repay the refund?

No. The refund will be yours to keep. Cashland will not restart the collection process with respect to the loan that was sued upon, nor will it ask you to repay the refund.

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10. Can I continue to apply for loans at Cashland if I accept the refund?

Yes. Your acceptance of the refund will have no effect on your ability to apply for a new loan with Cashland. However, please note that your application for a loan will be subject to normal underwriting standards and qualifications.

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11. Will I be taxed on the refund?

Taxes will not be withheld from your refund. However, the IRS may consider the refund to be “income”, so you should consult your tax advisor regarding the refund. When applicable, GCG will include a 1099 form with the refund payment.

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12. What can I do if I do not agree with my payment amount?

If you receive a refund and dispute the amount, please contact GCG at 1-877-524-8480 or by writing to GCG at Voluntary Loan Refund Program, c/o GCG, P.O. Box 9958, Dublin, OH 43017-5958. Be sure to include a telephone number and best time of day to contact you.

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13. What if I have additional questions?

You may call GCG, toll free, at 1-877-524-8480.

Or, you may write to the claims administrator, the Garden City Group, at this address:

Voluntary Loan Refund Program,
c/o GCG, P.O. Box 9958,
Dublin, OH 43017-5958

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14. Why was the claims deadline extended through May 19, 2014?

On November 20, 2013, without admitting or denying any of the facts or conclusions made, Cash America agreed in a consent order with the Consumer Financial Protection Bureau to continue to reimburse eligible Ohio customers who make a valid claim on or before May 19, 2014.

There are two ways you can obtain a refund, if you are eligible.

(1) You should have received a postage pre-paid return envelope. Complete the attached Proof Of Claim And Release Form, place it in the return envelope, and mail it.

If you no longer have your postage pre-paid envelope, you may mail your completed Proof Of Claim And Release Form to:

Voluntary Loan Refund Program,
c/o GCG, P.O. Box 9958,
Dublin, OH 43017-5958

OR,

(2) You may complete the Proof Of Claim And Release Form online by clicking here, completing the Proof Of Claim And Release Form, and submitting it electronically.

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