plain green

since not only is this an illegal lender(despite their assertions)and they think you owe 1800.00 not the 700.00 you actually owe.let them give it to a collector.them you can DV out of your life,or pay the 700.00.just do not even agree to anything where you pay more than that.

So if I do decide to try to maybe set up some sort of payment plan with them is there a letter on here that I can maybe use to do that. I just hate the fact that if they give it to a third party collection they can call me at work a harrass me i just cant deal with that i work for a small company and I hate to go through that. What would be the best way to handle this.

Is there some type of letter that I can use to maybe set up a payment arrangement to this company for the principal amount that is left on it ? They have given me 8 days to come up with something I thought I would send a certified letter if I can come up with one to send them.

Good question. I am in the same boat with them. Got that same email from them today. I filed a complaint with BBB. I will be filing also with my AG. When do I know its safe to send a payment to these lenders? I too want to avoid the creditor calls.

mlaw, you can find sample illegal lender letters [URL="http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html"]here.[/URL]

wiff, I'm not sure what you mean about "when is it safe to send payment." Can you clarify that question for me?

Ohiogal, what I mean by that is that in the original letter sent to them, I said I was willing to pay the principal balance only. I owe them approximately $400. Do I wait for a verification that they will accept the amount I want to pay as in full? Do I send them any money at all or do I send them a payment and state that it is payment in full?

Gotcha.

Thanks for the clarification. Frankly, I wouldn't send them a penny until they respond to your email :)

If Plain Green were not a Tribal operated PDL, I would say the advice in this forum is great.
HOWEVER, I hate to be the bearer of bad news, but they are correct is saying that the laws do not apply to them.
The reason is that Tribes operate under the Tribal Sovereignty laws authorized by the Congress of the US, and only Congress can affect this SI.
This is purely opinion, but it is legal precedence now because of a case the California Department of Corporations brought against a Miami Tribe base group of PDLs.
California lost the case, which can be referenced here.
Ameriloan v. Superior Court
There was another case in Colorado, which tried another approach by saying that these lenders are using rent-a-tribe tactics so they can continue their illegal lending.
I do not know the status of that case.
So this is where my question comes in, if these companies are in effect lending from another country, how could they enforce their lending laws on a US Citizen?
That might be the trick to fighting back against Tribal lenders.
So be aware of where the lender is located, and make sure they are not based with a Tribe.

again those instances have been bought up before.so?it just means that they have "immunity"meaning no action can be taken against them.it also means they can't do anything to us.i have not seen one example of a "tribal lender"doing anything but submitting a wage assignment.also the only times those are honored is by dirt stupid HR/PAYROLL people.if a person gives a wage assignment revocation letter the tribal lender is powerless.bottomline end of story.

I sent a certified letter to Plain Green to set up a payment plan of $50.00 per month until paid in full on the principal only. I recieved an email today that stated they would take the principal only balance but they want me to pay $89.00 every 2 weeks which makes it a total of 8 payments. I can not afford that I can only pay the $50.00 per month that I wanted to set up. So now what should I do should I try to send my offer again or should I just start sending the $50.00 per month by money order by the date I stated in my first letter. Then should I send them back an email or a certified letter again. not sure what to do ??? I live in Kentucky.

Just send them the money that you can only afford to repay the principal. What can they do? Send you to collections? If they do, you can dispute the action based on the aforementioned reasons (ie Unlicensed lender in your state, Plaingreen is also a foreign company) and the CA can't report on your file.

The fact that they agreed to accept only the principal shows that they know they have no legal standing against you as long as you pay them.

Could you paste a copy of the correspondence they sent you, that would be a great read. (of course Redact any personal information.):D

I always giggle when I hear these types of questions.

If you can only afford $50 per month, then that's what you should do.

Frankly, the contract is illegal to begin with so, they can either accept your $50/monthly payments, or they can get nothing. Period.

So instead of sending an email or any other letters just start sending the $50.00 per month and keep all my receipts. They gave me and address to send money orders.

Do both. Respond to their counter offer and politely let them know that you would pay off the principal sooner if you could but you can only afford $50 per month and that's non-negotiable. You can include your first payment with your response letter if you like.

I sent them a letter that explained that the $50.00 per month is all I can afford and I am willing to pay by money order each month i have not heard back from them but i sent a money order with my payment. Then today I get a letter from National credit adjusters that they have gotten my loan from Think Cash which my loan was with Plain Green anyway it said that I owed the $1800.00 Dollars again . Plain Green agreed to take the principal only and now they have sent it to this NCA for this crazy amount and they dont even have the correct company name on it. I am sending a C & D letter along with the letter to state that the loan is illegal in the state of Kentucky I also included a debt validation letter . i was working with Plain Green and I had already sent my first payment and was waiting for them to accept it and now I have gotten this. i just sent the money order certified with a letter on Friday do I need to go on and send all of this paper work to them and file complaints or do I need to wait and see if they take my money order and my agreement. Please help I dont know what to do next ???

you stop payment on that money order now!plain green deserves nothing at least not right now.the way they handeled this is freaking criminal.first they try to send a different arrangement which would have gotten them 712.00 instead of the 400.00.then they give it to a freaking bbottomfeeder.send NCA the letter file AG,AND FTC complaints against plain green.then wait and see.if NCA starts calling report them as well.do that.