MTE Financial/Miami, OK address

Write them back asking about their license in your state. If they are saying that you agree to follow the terms mentioned in their contract, why did they start their illegal business without a license?

There is nothing to panic with this company. They are sure to be shut down. If they are doing everything right, why are they ordered to stop lending in OK. Show them this link

http://www.debtconsolidationcare.com/oklahoma/rio-mtefinancial.html

Claim for the refund once again. Send the link of your state laws.

everyone re-read the enclosure from mollie one more time. Specifically this line here:

The fact remains that Traci and I have letters signed by OKDCC that say they have been ordered to cease and desist making loans. Although I am continuing my research on this company, you should use those letters as your ammunition against them.

Mollie,

You have done the right thing by filing complaints against this company. It may take a few weeks to hear back on these complaints though. Also file a complaint with the Oklahoma Department of Consumer Credit since they have ordered them to cease and desist from making loans in their state. I wouldn't pay them another dime. I'm not sure about Florida lending laws but I know in my state they MUST be licensed in order to conduct business here.

oops.......sorry chizhy.......I mean't to come back to it & got sidetracked.......damn! Lemme redo that PROPERLY this time.....can we get an admin to delete that first post please?

Ok! redux numba one! so that everyone understands better, they are using the line above as a shield to what they are doing...because they are on operating on an indian reservation.

hope this helps, so I got sidetracked for a bit & forgot what I was originally doing with it. Throw your fruit, veggies, empty beer bottles, snuff cans & spit wads at me now!

;)


*chuckle*

More than one IPDL has used this line. If Mollie has overpaid by nearly a thousand dollars, then she needs to file the proper complaints. She is well on her way with dealing with that. The more complaints there are on file, the better off we are as consumers. MTE has moved at least twice in the last year that I know of. They are just trying to skirt the laws like a lot of IPDL's.

this is the first I've seen of the terms. I came in mid-stream here & am playing catch up?? Yes, mollie needs to file with both states on them, I totally agree. Again, my apologies to chizhy & everyone else for allowing myself get sidetracked in mid post.

I had one that claimed I had to follow their laws in Costa Rica. This is when I first learned about lending laws in Ohio. This had nothing to do with MTE or Rio. I had overpaid them by about one thousand dollars over the course of our "business" relationship. I got the threatening call and turned to the AG's office in my state. When I got done with them, they marked my account PIF. They were trying to skirt the laws like the majority of them. Everything was handled through my attorney general's office and now they want me to take out a new loan because I'm a preferred customer. Fat chance!

one *atta girl* you mishele! But ya know what really chaps my butt? Is the people of tha "sovreign nation" or any other "sovreign nation" meaning reservation in these United States, are eligible to serve in the US military!

Many, many men from the Indian Nations have served this country in just about every damn war & police action there is. Now, does that make any kind of sense?

Their legal department (tribal attorney) says they can do so?? HMMMMMMMMMMMM....

This whole indian reservation defense- maybe this is not a smart question but do they have there own laws on reservations that are separate from the rest of the US, including "federal"? To me, if they indicate anything that says "federal" that refers to the US government laws so how can they put that in their terms and then try to have a defense about operating from an indian reservation?

*whistling* you need a lawyer to answer that!

HUDiva,

I don't think that is a dumb question at all. It's something that I would like an answer to myself. It sounds like there might be different laws that apply but they are contradicting themselves. It's just another way for them to skirt the law for now :twisted:

My family is Navajo, my Grandmother still lives on the Reservation in New Mexico. My husband is Apache, so I feel I can answer your questions concerning Indian Lands and the law. The Reservations are a sovereign nation, they have their on laws, elected officials, etc. For example, the State of Oklahoma can not enforce any of their laws on the Reservation, BUT that does not apply to the Federal Government. The FBI and the BIA (Bureau of Indian Affairs)play a very active part in any crime, etc that occurs on the Reservations. So, if MTE IS on the Reservation, it will take the Federal Government getting involved to shut them down, but no one has confirmed that the address is definitely on the Reservation. I will find out, even if it means I have to take a trip to Oklahoma and I contacted the FBI months ago about them. For all we know there might be an investigation going on right now. I hope this has helped to answer some of the questions.

From what i was told by the the man from the ODCC he was not sure if they were located on the reservation, but he did say its a possiblility because he thinks they might be a part of the miami tribe.

Exactly the same thing I was told. We are "Not Sure" if they are on the Reservation. Well, It makes a big difference if they "Are" or they "Are Not"!! I don't know why the Oklahoma people can't look at a map to find out!

chizy,

Thanks for the clarification on sovereign laws. I don't know why they can't tell if it is exaclty located on the reservation. It might not be as easy as just looking at a map. Who knows? But you know if they are, then that's one lousy thing to do. It's really below being pond scum in my opinion.

read the address the letter was sent to......I'll be right back with the exact location


;)

Ok......the correct location is posted right here:

eighttribes.org/modoc/

Quote:

Mishele, and it is also a horrible disgrace to our people....

Thanks chizhy for your explanation and of course Texas, you are a wealth of info as usual! This now brings me to another question since it has now been discovered that their address exactly matches the address to one of the tribes....do they have a right to ignore the cease and desist letters from the State of OK since they have no governance over them?

unfortunately? Yes.......State Law is extremely limited on the reservations. However, they are not by any means above federal laws....FBI, US Marshals, DOI police, Treasury so on enforce federal laws on the reservations.

;)

yes

yes, but if they are not Native, but on the Reservation, I don't know that they could ignore it.

We should just all call them. The phone numbers are on the website. That would surprise them. What do yall think?

I have a decent idea that doesn't involve using a telephone chizhy..........

If this is true and they are indeed operating on an Indian reservation, the problem I have with this is that an Indian Reservation is tax exempt. And if I am mistaken, please correct me on this one.
As we all know, these PDL companies make insane profits, so this means that these sharks are getting an even bigger payday off our backs, and this is something I can not stomach. We need to confirm this for a fact, and then take action.

read the letter from ODOCC at the first of the post ks.....it's confirmed.....

;)

*chuckle*

here ks........the addy's on the letter link here:

http://www.debtconsolidationcare.com/forums/download.php?id=881

Ok, chizhy instead of burning up the telephones or down as the case may be? Let's get busy "counting coop" (enunceation is "coo").

Whatcha think? Send letters of complaint that embarrass 'em????


;)


*chuckle*

I don't want to embarrass them! I want them to be scared and nervous like they have made so many of us! and ultimately shut down!

hey......it's just a thought. I was wondering what the tribal offic would look like snowed under with letters is all!


;)

*chuckle*

Two years ago The FBI shut down the Naragansett Indians from selling cheap taxless butts over the internet.

If however, MTE is not a native business enterprise permitted and licensed under tribal regulation then it would be subject to laws of the state of Oklahoma

to get you up to speed jj...........here's the original thread link here:

http://www.debtconsolidationcare.com/oklahoma/rio-mtefinancial.html

then pick back up on this thread again...

thanks!

That's correct JJ, that is what I think is happening. These people have moved from New Mexico to Oklahoma. I believe it is someone staying on the Rez, but not Native, so they would have to follow state laws.

I took the advise from Mishele and I filed on line last night my complaintwith the OKDCC.

not a tax law or lawyer but if i recall correctly.... Quote:

JJ,

Good to see you :-) We've missed you around here! I agree with your point. I think that is one thing that OKDCC is trying to find out right now. Chizhy, I couldn't agree with you more. They need to be shut down.

Mishele, I followed your suggestion and I filed the complain with the OKDOCC, lets see what happens. I also faxed MTE complaining that they had said that there were not going to debit my acct since I had revoked the achs, they did it anyway they took $80 and my bank was stupid enough to let it go thru simply because when I place the request for blocking the ach they put in the amount they took in January (95.00) and since the debit in 2/2/2007 was for $80 they (bank) thought this one was ok. I told MTE that since they took the $80 I wanted my PIF letter they wanted $50 to settle. I have not heard from them yet. Thanks

excellent mollie! yeaaaaaaaaaaa baby! *dancing 'cross the floor*.........


;)

*chuckle*

hey mishele, thanks for missing me. Seems like I have so little time anymore...

Mollie,

It sounds like you are taking the right steps regarding this matter. Mail them a certified letter as well with return receipt requested. This way you will have proof they received your letter which you can forward on with your complaints.

JJ,

I know you have been busy but it's always good to see an old friend :-)

Chizy, I can tell you firsthand that they are connected to the indian reservations in some way. My AG pffice has launched an investigation into MTE. They keep coming up with tribal names also. If I can help in any way let me know. KYSIDE38

Received a call from Mr. Wagner from the OKDOCC and he explained that since I did not live in OK they could not do anything for me that I should contact the AG and Div. of Financial which I did already. He also said that if I was a resident of OK they would probably help in getting me a refund? and curious enough he mentioned something about "MTE is a Miami Tribal ??? in OK.?

I think they sent the first letters out without realizing MTE might be on a reservation. Spanisheyes, I take it you have filed complaints in your state as well? How much have you paid on these loans?

Yes, Mishele I do have a loan with them and I have overpaid $735 but I doubt that I'll see any of it. I was supposed to send them $50 (they had waived the $15 finance charge) and they would mark the account full.

Don't let these blow smoke up your butt. I work for a tribe I am Indian and the law from the Modoc or Miami Tribe bylaws state that they are bound by federal law. what does this mean to you??? They are considered a "supervised leander" by federal law BUT they are not licensenced to be one so game over they do not pass go call the freaking cheif every time they call you and just let him know that you are being harrased and are tired of it. The OKFTC are trying to work on these folks because of their claim to be on tribal land. Irregardless of where they are (if they are on tribal land and are not Indian they must have a deferral to work on the land by the tribe) or owned by the tribe they are acting illegally and the OK folks can't shut them down or are afraind to.

Anywho bottom line they can't do crap.