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HELLO DEAREST PAUL MERGEL.Question Title
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Hi Paul,
You were a lot of help in my "PDL quicksand" thread, thanks again. Â So a collections agent from Lakota Cash finally responded to my email and said that I owe $810 ($600 principal, $180 interest, $30 for telling them I put a block payment on my account?). Â She also referred me to this part of the loan document which I signed:
Â
"This Loan Contract is subject solely to the exclusive laws and jurisdiction of the Cheyenne River Sioux Tribe, Cheyenne River Indian Reservation. By utilizing our website, you are conducting business on the Cheyenne River Indian Reservation, and subjecting yourself exclusively to the laws and jurisdiction of the Cheyenne River Sioux Tribe, a sovereign Native American Nation. By executing this Loan Contract, you, the borrower, hereby acknowledge and consent to be bound to the terms of this Loan Contract, consent to the sole subject matter and personal jurisdiction of the Cheyenne River Sioux Tribal Court, and further agree that no other state or federal law or regulation shall apply to this Loan Contract, its enforcement or interpretation.
Â
In this Consumer Loan Agreement (hereinafter, the "Loan Agreement,") the words "you" and "your" mean the borrower who has electronically signed it. The words "we," "us," "our" and "Lender" mean Payday Financial, LLC, a lender organized under and authorized by the laws of the Cheyenne River Sioux Tribe and Indian Commerce Clause of the Constitution of the United States of America."Â
Â
How legit is this, and what should I say in response?