Sinking in installment loan debt

Most of these are illegal payday loans, not installment loans. Follow the link in my signature line for info on how to deal with them. Check Sure Advance with Illinois Division of Financial Institutions at the bottom

Bottom dollar - original loan $700 paid $1,1155 ILLEGAL OFFSHORE OVERPAID
Check n go - orig $2,500 ptd $0 LEGAL...IF YOU HAVENT SPENT IT, PAY IT ALL BACK ASAP
United cash loans - orig $500 ptd $450 ILLEGAL TRIBAL
500 fast cash - orig $450 ptd $540 ILLEGAL TRIBAL OVERPAID
Quick Click - orig $2000 ptd $334.74 LEGAL
Sure advance - orig $400 ptd $320 DE BASED, POSSIBLY ILLEGAL
Cash Cure - orig $800 ptd $1,056 ILLEGAL OVERPAID
Cash Direct - orig $600 ptd $552 ILLEGAL
Cash Jar - orig $1,000 ptd $900 ILLEGAL OFFSHORE
Spotya - orig $900 ptd $1,150 ILLEGAL OVERPAID
Great plains - orig $1000 ptd $709.65 ILLEGAL TRIBAL
Plain green - orig $1,200 ptd $658 ILLEGAL TRIBAL
Western sky - orig 1,500 ptd $210.61 ILLEGAL TRIBAL
Hydra fund - orig $300 ptd $270 ILLEGAL OFFSHORE
Discount advance - orig $1,500 ptd $560 ILLEGAL OFFSHORE

Illinois Payday Loan Laws

State Legal Status
Lending of payday loan is considered legal in the State of Illinois.

Loan Specifications

• Maximun Amount of Loan - Less than $1000 or 25% monthly gross income
  
• Term of Loan - 13-45 days
  
• Maximum Rate of Finance and Fees- $15.50 per $100
  
• Finance Charge on $100 loan for a 14 day period - $15.50
  
• APR for $100 loan for a 14 day period - 403%
  

• Maximum Number of outstanding loans permitted at a time - 2
  
• Permissible number of Rollovers - None (Rollover cannot be done)
  
• Cooling-off Period - 7 days after a period of 45 consecutive loan days
  
• Repayment Plan - Yes
  

• Collection Fees Amount - One NSF fee of $25 (Presentment limit is equal to 2)
  
• Criminal Action - Prohibited
  

• Regulator - Illinois Division of Financial Institutions
  
• Address - Consumer Credit Section, 320 W. Washington Springfield IL 62701
  
• Phone - (888) 298-8089
  

If they are illegal will they abide by the no contact, wage garnishment, ach?

Did you read the link in my signature line? You do a voluntary wage assignment revocation and give a copy to your payroll department.

You mention that most of my loans are payday and not installment, can you explain?

It doesn't matte.r They are unlicensed and illegal is what she's trying to tell you.

See attached for first response I have received from a lender this is Western Sky/Cash Call
Dear,
This letter is being sent in response to your inquiry of August 28, 2012 in regards to the interest rate charged in conjunction with your loan.
Your loan was funded by Western Sky Financial ("Western Sky") on June 29, 2012, in the amount of $1,000.00, which is the loan amount of $1,500.00 minus the $500.00 Prepaid Finance Charge/Origination Fee. Western Sky is a wholly Cheyenne River Sioux Tribal Member owned business and is located and operates within the exterior boundaries of the Cheyenne River Indian Reservation. Western Sky loans are initiated, approved, issued and disbursed within the confines of the Cheyenne River Indian Reservation. Western Sky is licensed with the Cheyenne River Sioux Tribe. Western Sky does not have any physical presence in your state or any other State of the Union. The laws of the Cheyenne River Sioux Tribe apply exclusively to the terms and conditions of your loan, and you further accepted this choice of law and jurisdiction by executing your loan document. These facts were explained to you when you applied and again when you signed your Promissory Note. As a courtesy, please find attached an additional copy of your loan Note for your records.
Please also be advised that on July 02, 2012,per the NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS e-mail sent to the e-mail address you provided, your loan was sold to WS Funding, LLC, and is currently being serviced by CashCall. If you have any questions regarding your loan, current balance, or payoff amount, you may call our Customer Service department at 1-877-525-2274. Our hours of operation are 6 a.m. to 8 p.m. Pacific time Monday through Friday; 8 a.m. to 12 p.m. Pacific time Saturday. If you are unhappy with Western Sky, WS Funding, or your loan in any respect, we would advise you to pay it off now without penalty.
We hope that this response has answered your questions. Please do not hesitate to contact me if we can be of further assistance.
Sincerely,
Jean Kohles
Customer Service Manager
CashCall, Inc.
(877) 525-2274 ext 58

Dear Western Sky

Having educated myself on the legality of payday and installment loans, I would appreciate if you would not hand me the garbage that I am bound by your tribal laws. I do not live on your reservation and do not intend on even visiting your tribal land. I live in Illinois, and as such the only laws that govern me are the laws of Illinois and of course, US Federal laws. You know the laws as well as I do and since you choose to lend outside the reservation, you take all the risk. You already have dealt with the FTC and several state AG offices.

Since the loan and our agreement is null and void, I will pay back the remaining principal at MY convenience. Don't bother threatening me will legal action you cannot take. Do not harass me, my family or my employer. In fact, I request you never contact me again. I will mail money orders to your website address. There is no need to thank me with a receipt.

Just to let you know, I am currently dealing with them for my father, and I don't think Jean Kohles actually exists. It seems she is a collection of a bunch of people using the name. When you call the extension they say "jean isn't here but she'll get back to you" or something shady like that. I don't even believe the emails my father got from "jean" have a return address, it comes from a do not reply.

Here's the person you need to contact - [email]Elissa.Chavez@cashcall.com[/email]

Thank you

How has your progress been so far with them?

Response from Bottom Dollar Payday

Hello -


This is confirmation that we have received your request to cease and desist communication with you regarding your account with Bottom Dollar Payday c/o E Finance Support.



Thank you
Wendy
866-722-2770
888-772-0116 fax
[email]wendy@efinancesupport.com[/email]

DISCLAIMER : This communication is an attempt to collect a debt and any information obtained will be used for that purpose

Response from Elissa at Cash Call after I told them that only state and federal laws apply

At no time did you ever indicate that you did not understand the terms of the contract, the jurisdiction of the note, interest rate charged or total finance charge on the loan. Moreover, had you relayed an adverse financial situation to Western Sky customer service, you would have been offered a very favorable resolution despite its lawful rights to enforce the terms of your contract.

Please be advised that on July 02, 2012, per the NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS e-mail sent to the e-mail address you provided, your loan was sold to WS Funding, LLC, and is currently being serviced by CashCall. As of the date of this letter, the payoff
amount due on this loan is $1,654.35; the remaining principal balance is $1,488.06.

If you are unhappy with Western Sky, WS Funding, or your loan in any respect, we would advise you to pay it off now without penalty. Further, if you are truly experiencing financial difficulty or having second thoughts regarding your Note, it is strongly suggested that you contact our Customer Service department at 1-877-525-2274 and relate your situation, thereby working out a payment plan which will attempt to address your needs. Our hours of operation are 6 a.m. to 8 p.m. Pacific time Monday through Friday; 8 a.m. to 12 p.m. Pacific time Saturday.

They keep repeating same BS over and over. Don't pay any attention to them. You very well know that they are illegal. Hang in there!

Same old copy and paste defense... keep fighting them.

One down, this is Bottom Dollar Payday

After further review of your loan with our legal department, your loan balance with Bottom Dollar Payday is showing as paid in full.

Thank you
Wendy
866-722-2770
888-772-0116 fax
[email]wendy@efinancesupport.com[/email]

DISCLAIMER : This communication is an attempt to collect a debt and any information obtained will be used for that purpose.

Congratulations! :D

Settlement from Plain Green
Your correspondence has been directed to me for review and I thank you for the opportunity to assist you at this time.
We understand that all situations are different and would like to offer you the opportunity to pay the remaining principal in the amount of $652.16. Please accept this response as acknowledgement Plain Green???s acceptance of the settlement arrangements you offered as detailed below:
?? Three (3) payments in the amount of $217.39 to be made via debit\credit card on September 21, 2012, October 26, 2012 and November 23, 2012.
To make a payment by debit/credit card, please call our Special Handling department at: 866-711-7971. You will need to provide us with:
Credit Card Type
Credit Card Number
Credit Card Expiration Date
Name as it appears on the card
Billing Address listed with the credit card company
Phone Number listed with the credit card company
Please do not send credit card information via email.
Should you require any additional assistance with regards to this repayment plan, you may contact our Special Handling Department at 866-711-7971.
To further clarity your questions regarding the legality of this loan, Plain Green is organized under the laws of the Chippewa-Cree Tribe of the Rocky Boy???s Indian Reservation of Montana (???Chippewa-Cree???). Plain Green is owned by the Chippewa-Cree, and operates exclusively on land owned by the Chippewa-Cree. As such, Plain Green stands as an ???Arm of the Tribe,??? in the view of the United States state and federal courts. Therefore, loans made by an arm of a sovereign Indian nation are not subject to state law. This is NOT a payday loan.
This letter is written to help you understand that Plain Green and its loan contracts are governed exclusively by the laws of the Chippewa-Cree.
Pursuant to your request, we have removed your contact numbers from our system and we will make no further ACH debits from your account.
Please reply to this email if you accept this offer to settle your account and we can set up a payment plan.
Sincerely,
Plain Green Loans
Plain Green Loans Account Services
[email]accountservices@plaingreenloans.com[/email]
866-420-7158
877-848-8704 FAX
8 a.m. - 10 p.m. ET, Monday - Friday
9 a.m. - 5 p.m. ET, Saturday
Plain Green Loans
Account Services
93 Mack Road, Suite 600
PO Box 270
Box Elder, MT 59521

Cash direct has also agreed to a settlement to pay only the remaining principle by end of February

Congratulations!! Keep it up. Let us know what happens with cash call.

Hello,

I have sent letters to Plain Green and Great Plains and am awaiting an answer. Can you tell me if the following are legal lenders in Ohio?

mypaydayloan.com
nationalpayday.com
paydayone.com

Thank You

mypaydayloan.com illegal
nationalpayday.com illegal offshore Costa Rica
paydayone.com ilegal

Cash direct express (GECC - Government Employees Credit Center) has agreed to settlement paying only principal

PayDayOne is a legal CSO in Ohio. They will work out an extended payment plan with you.

Response from Cash Jar, even though not correct on the law they have agreed to a settlement
September 5, 2012
Cash Jar
P.O. Box 1639
Belize City, Belize C.A.
Re: Your Cash Jar Loan
I am writing on behalf of Cash Jar in response to your recent email. Cash Jar strives to assist consumers with their short term cash needs and is concerned that you were disappointed with your most recent experience. We have noted your request for no further communication by telephone.
Please be advised, however, that your loan was made pursuant to Cash Jar???s license in its home country of Belize under the International Financial Services Commission Act of Belize, Chapter 272. Cash Jar???s contracts, including the loan agreement you signed, clearly designate Belize law as governing its transactions and provide all disclosures required by Belize and U.S. federal law. Cash Jar has no physical presence in the state of Illinois, and does not solicit Illinois consumers via mail, telephone, or email; therefore, we are not subject to its regulatory jurisdiction. In order to obtain a loan from Cash Jar, an Illinois consumer must log on to the internet and access Cash Jar???s website, just as you did. You received documents in conjunction with your loan fully describing how the finance fees are applied and your repayment options, and you agreed to these terms, including the applicability of Belize (not Illinois) law to the transaction, with electronic signatures in multiple places. Should you require another copy of your documents, or if you need clarification on points referenced in the documents, please contact us. A careful review of those documents should resolve your concerns regarding the terms applicable to your loan.
Our records show that you have made payments in the amount of $800.00 toward your $1000.00 loan. We intend to continue our efforts to collect the loan balance from you. However, we do understand that the current economic situation has adversely affected many people. We are currently willing to offer you a settlement in full if you will make a payment of $200.00. If this settlement offer is acceptable to you, or if you???d like to discuss other arrangements or make a credit card payment, please contact us at 1-866-568-2213 at your earliest convenience. It is in your best interest to make arrangements with us directly, as your loan may be sold in the future to a third party collection agency. Those agencies are empowered to take legal action to collect the debt, and once they purchase your account from us, the nature of their actions is not within our control.
Thank you for the opportunity to clarify this matter and address your concerns.
Sincerely,
Cash Jar

Way to go! Keep up the good work.

thank you very much for the info on here. This site has saved me $1500 and i've received letters back stating my accounts are considered paid in full

Wonderful news! Keep those PIF's in a safe place for future reference if needed.

What email/letter did you send to Plain Green to get the settlement offer? I am trying, but I have not gotten one. What am I missing.

What letter/email did you send to Plain Green in order to get the settlement offer? I have sent them a letter revoking ACH and my inability to make the payment, however I have received a settlement offer.

Don't talk about inability to pay. The loan is illegal end of story. Tell them that, follow the link in my signature.

Thank you Waffles. So, they react differently to being illegal I see?

If you tell them it's because you are unable to pay they don't care and will keep pursuing the balance, up to and including debiting your checking account for the entire amount. Follow the advice link below

How to deal with illegal lenders, courtesy of OhioGal

Still having problems with 500 fast cash and united cash loans. Have been sending them emails and faxes since the end of August. A little over a month ago they started calling and sending emails that I could settle. I continue to send them the emails and faxes regarding loans being illegal and not to contact me except for email. However, I receive no responses specifically to my email.

THere's really nothing you can do at this point other than change your phone number or call your phone provider and ask their numbers to be blocked. I hate to sound like a shill, but there are consequences from taking out illegal PDLs... they aren't going to leave you alone for a LONG time.