Help w/ Great Sky Cash

They cannot do a garnishment without a court order, however they can do a wage assignment. Did you revoke your wage assignment and give a copy to your payroll department????

Please take Soaplady's advice, revoke any wage assignment you may have signed, print it out, and take it to your employer.

Hi OP,

Here is a sample of a letter to revoke wage assignments. You can use it: http://www.debtconsolidationcare.com/letters/revocation-wage.html

So i defaulted on a loan with them and within the next day i got notification that they were going to garnish my wages. after much research they cannot just garnish your wages. they can take your acct to a third party collection agency but in order to get garnished they must take it to court and get permission from the judge to do such. all i did was call them set up arrangements to pay them bi-weekly for four payments. it worked out because before i would pay them back but had bills to pay so i would have to reborrow where as with this you pay just a few bucks more than what was needed for the minimum pymt and after four pymts its paid off.. i am actually about to make my third pymt now...

Hi Mekameke,

It's good that you are able to deal with them. Yes, these companies use scare tactics like threatening you to garnish your wages to make you pay them. Best of luck and keep us posted.

The number they gave me doesn't even work in AK. I have emailed them multiple times and no response. Not even one!

They are a Native American company operating within the boundaries of the reservation. Tribes are sovereign nations and operate under their own laws. They do not have to abide by U.S. or state laws...only their own. They can do a lot of things companies regulated by state and federal laws can't.

well while that may be true,but when it comes to their loans and taking legal action on them.it won't happen as while they are not subject to our laws.we are not subject to theirs.meaning they can't do spit except the WAGE ASSIGNMENT,and when someone submits that revocation letter they can't do a thing.so to summarize we can't do anything to them,and they can't do anything to us.btw i love when someone comes on to state this.like we don't know this.

Quote:

I too made the mistake of getting a loan with this company. I took out a loan for $400, and have paid at least $1200 to them in principal only. I did a hard ACH block on my bank account last payday to prevent any more money going to them. I did a wage revoke, filed complaints with BBB, and AG in my state of Illinos and emailed letter to them demanding a PIF on account and refund of over payment only to get this email back from Alliance Funding LLC which is their collections department. I got a new checking account with the same bank, and am in process of closing the old one before my next payday which is next Monday.

MR .......................

[LEFT]As clearly indicated in its Website disclaimers and the loan documents executed by you, Great Sky Finance, LLC is a wholly Native American owned Limited Liability Company located within the exterior boundaries of the Cheyenne River Indian Reservation, a sovereign Native American Nation. As such, Great Sky Finance, LLC conducts it business under Federal law and the laws of the Cheyenne River Sioux Tribe. Native American tribes have a special status under the US Constitution and as such are exempt from state regulation. Pursuant to Federal Law, Great Sky Finance, LLC is a completely lawful enterprise in any area. [/LEFT]

[LEFT]Think of it as if you went to Las Vegas to gamble. You go there and based upon your credit you borrow $1000 from the casino. You lose the money and go back home to Illinois. Now when the casino comes calling to get their money and interest back, you can't say "I'm not going to pay you becuase gambling is illegal in Illinois." To get this loan you used the internet to virtually travel to Cheyenne River Indian Reservation, a sovereign Native American Nation. This was all made perfectly clear in the contact you signed and agreed to abide by. [/LEFT]

[LEFT]You specifically agreed to comply with all terms and conditions of the Loan Agreement upon execution and return to our office located on the Reservation. Great Sky Finance, LLC relied upon your representations in good faith and approved your loan based upon such representations. Great Sky Finance, LLC loaned you the money in good faith that you would repay the note as promised. Great Sky Finance, LLC is fully within its rights to seek repayment as originally agreed.[/LEFT]

yeah so?again the contract is non-enforcable in a US court of law.kind of like a loan located in say the UK,or COSTA RICA.treat it as such.it is still an illegal loan.

They are legal, pay them back. Don't take cash you can't afford to pay back by their Legal Terms. Just because you think it is not fair, doesn't mean it isn't legal.

pdl lady is a fool.no "tribal loan"is legal so please keep the propaganda for the phones please.it doesn't work here.

PDL Lady must work for a PDL company. Take a hike PDL lady, you don't belong on here.

So I get an email response from a "Peter Buggln" from Alliance Funding LLC. Saying the are marking my account PIF. I checked the account online periodically throughout this past week. Still showing as being in collections with a $151.00 balance. I placed my old checking account on deposit only status. TODAY was payday again, checked bank by phone and they again tried to debit another $88.00 from me. This after sending a Wage and ACH revoke letter, and getting a response from this Peter in their collections department stating they are marking the account PIF. Now what do I do? What a bunch of crooks I tell you!

They are playing with you. You need to close that account, this is just one example of why it will never be safe again.

Since you have an email from the bogus name of "Peter Buggin", and a bank statement showing they attempted to debit your account, you now have written proof which you can include with a complaint with the FTC and your state attorney general, please do file complaints, asap. And for future reference, [URL=http://www.debtconsolidationcare.com/forums/showthread.php?p=800358#post800358]CLICK HERE[/URL] to find out how to deal with collection agency phone calls!

Thank you Shazzers!

Actually i work in regulatroy compliance..don't be a hater - follow the laws outlined by our government.

Sorry - Regulatory - was typing too fast.

again more nonsense from a humanoid for this illegal place.nice of you to stop by.:rolleyes::rolleyes::rolleyes:

they are under investigation. i too took out a 400 dollar loan. it will take me over 40 paychecks to pay it back. THAT my friend IS illegal. they are taking an interest payment each time. There is a limit, atleast here in the state of maryland, as to the amount of interest they can take. Dont call the BBB, call your atty general. That is what I did and I am faxing my stuff tomorrow to them. I am also putting a block on my bank account. they would of made 124.00 times 44 paychecks over a 400 dollar loan. Now you tell me how that is legal no matter what you sign.

we also have recieved a loan from this company back in 08/2010 in the amount of 300.00 and as of today we have paid back 1537.00. so pdl needs to get a life because we are paying this back and we obviously can afford it if they are taking it out, but when is enough enough?....this is just plain ridiculous in my opinion. i seriously thought intrest had a cap.this will never happen again!...these "Indians" are freaking thieves!

you are an idiot!;)

right back at you #24.sometimes when you are angry it's hard to crystalize your thoughts.back to the phones drone.

I[COLOR="Red"] received this e-mail from Greak Sky Cash! Now they won't honor and I got them alot of clients...they want to take the $40 off of your loan and not give you the cash....is this right?[COLOR="Red"][/COLOR]

As a Great Sky Cash preferred customer, you can earn $40 for every friend you refer that takes a loan with us. It???s simple to earn extra cash and the amount you can earn is unlimited!

Just have your friend apply at www.greatskycash.com and provide your name to us, and $40 will be sent overnight to your bank account when they originate their loan.

Remember, there is no limit on the number of friends you can refer or how much you can earn in award money. If you refer 5 friends, that???s $200 in your pocket! What could be Easier!

Sincerely,


Great Sky Finance
1-800-750-7479
www.greatskycash.com
[/COLOR]

I took out a loan with Great Sky Cash in Decemeber. Every paycheck, twice a month they take 150.00 for a loan which originated at 500.00. Since the beginning, I have had issues accessing my account to keep up with the balance and just get the same reply telling me to do the same thing, which doesnt work. About a month ago, I had my bank account being tampered with from another company and they practically cleared me out. I closed that account and starting looking into the companies I was going through a little closer. I opened a new account and found out that Great Sky is not licensed in Missouri and read numerous complaints about them. I looked back at my bank statements and realized I had paid $1000.00 so far for a $500.00 loan. I was shocked when I received an email from them stating I still had a balance of $460.00. I responded with a ACH/Wage assignment revocation, Cease and Desist Letter and request for information regarding my acct history, payments made, and confusion on what was going on. I refused to reveal my new account information and stated I would call upon receipt of their verification of license to lend in Missouri.

Since that time I have filed a complaint with Missouri Division of Finance, FTC, BBB, AG, and IC3. This was in response to GS debiting my NEW account on 5/16 for three seperate amounts...138.00, 220.00, and 240.00. I found this at the end of the day and thankfully my bank was able to stop it. I signed affidavits with my bank regarding this incident. The same day this occurred I received calls from Alliance Funding LLC about collection on this account, still trying to get money. I called GS and a girl answered just with her name. I asked what company is this and she stated "we are many companies, who are you looking for"? Apparently the same number will get you both places. I have had many conversation with Alliance/ Great Sky or whoever this place is which results in the same ole Indian song and dance. I talk to an agent of Great Sky and when it goes bad and they transfer me to manager, the guy states hes with alliance? I have documented everything and Great Sky sent me an email stating that since I am in default, they can use any obtained new account information to get my money, and they have obtained it. Said I shouldnt have applied with new account information with their company if didnt want them to have it. I did not...this is confusing.

Alliance sent me a copy of loan agreement with Great Sky with my supposed electronic signature, originating on 3/30/11. I did not apply for, receive funds, or electronically sign any such thing. They just pulled it right out of their butt.

I sent my latest document demanding immediate refund of all funds paid less the principal, collection process to stop immediately, and PIF. I will proceed with necessary steps to pursue protection of my rights %110 without immediate compliance. Today I get an email stating different dates they have contacted me to help me and have heard nothing from me, lol Now they are will to just waive my new balance of $678 as a courtesy to me. This has become personal...I am ab to throw all my timestamp, dated, recorded email, vm summary, documents, nice and tidy in a chronological correspondence log I have created right at them.
Wish me luck! Maybe wish them luck!