Update on progress w/ lenders

I dealt with Plain Green and they blocked my access to account. They turned me over to a collection agency in New York. Richard Broudreaux & assoc. best I remember. They hounded the heck out of me and I finally settled with them. According to PG I owed 1700.00 and I settled with the CA for 1200.00 in 12 payments of 100.00. Owe about 3 more and I'm done. My loan with PG was originally with Think Cash which was funded by First Bank of Delaware which I found out to be legal.

I am getting ready to go thru the same thing and am nervous as can be because I really cant afford to have these companies calling me at work or my payroll department. So when you sent these emails to all these companies - did they call you several times a day or did they follow your emails and as long as you left the lines of communication open, did they not call?

this is

@Hops44 - I can say that I did take a few moments before I sent out the emails to contact the "lenders" prior to this to say update my contact information for work and home and cell numbers to numbers unreachable - I used my old house number - my disconnected cell number and some old number that is shut down for a work number, You want your payroll to be aware that there is fraud being done to you so that they don't allow some wage assignment to come through. I made sure that my payroll guy was completely aware of the situation when I called to change my direct deposit.. SO that he can help to protect me.. So I have not received any phone calls. I sent all my letters out on the 2nd of Oct. but make sure you put in the letters about email only and not phone contact to you, your work or any references that you may have used. My new numbers are all unlisted.. and my employer has also been made aware of the fraud situation.
Hope this helps and let me know if you need any other information.

Why did you settle with a collector on an ILLEGAL loan??

I thought the same thing Waffles -

Thanks for the advice about changing work numbers. I appreciate it. Did you give your payroll department a list of pdls or give them copies of letters/emails sent to the pdls or did you just your payroll department that you are a victim of fraud?

So have the pdls been contacting you via email?

Just told payroll victim of fraud.. They didn't ask for specifics, just told me if anything weird came across their desk they would let me know right away so I could deal with it.

I have received some email but really only in response to mine so far and to remind me I am late.

Which companies are you dealing with?

I am dealing with the following companies:

Ameriloan, Fireside Cash, SureAdvance, CashJar, White Hills Cash, Plain Green, CashCall, and Great Plains

At Hops44 - "Ameriloan, Fireside Cash, SureAdvance, CashJar, White Hills Cash, Plain Green, CashCall, and Great Plains"

What statedo you live in?
I know that Plain Green and Great Plains both are Tribal and Illegal - how much did you borrow and how much have you already paid back?

The one with Cash Call, did it originate with them or with Western Sky? Western Sky is Tribal and Illegal

I don't know about the legality of the others, but I am sure one of the others on here will see and help out in addition..

Keep us updated.. I haven't heard from any of mine other than what already posted in this thread - but I will post all updates here..

To answer why I settled. My loan originated with Think Cash and was funded by First Bank of Delaware and was transfered to Plain Green. When I submitted a inquiry regarding the legality of the loan to the Banking commission in Delaware I was told that it was a legal and binding contract.

forgot to mention that when I posted on this forum regarding the legality of my loan with Plain Green, I received the info that it was legal since it was originated with Think Cash and funded through First Bank of Delaware. So, 1200.00 sounded a lot better than 1700.00. Just my opinion.

And that was correct. Since your loan originated with ThinkCash, which was backed by a federally chartered bank, it was legal. Plain Green was just servicing the loan at that point.

Glad you saved some money on the settlement!

I have still had no further response from Plain Green or CC/WS -- any suggestions or just keep sending them the weekly email and wait it out?

After my email on 10/16 to them - sent to [email]jean.kohles@cashcall.com[/email], [email]elissa.chavez@cashcall.com[/email]
To whom it may concern -
It has recently come to my attention that in the State of Arizona, Western Sky Financial is not licensed to offer loan products to its residents, thereby making it illegal to do so. Also, for being in violation due to the Small Loan Rate Cap of 36% per year in place in Arizona. I have been unknowingly participating in illegal loan activity and no longer wish to do so. Therefore, I no longer wish to conduct business with Western Sky Financial, nor WS Funding, LLC, and Cash Call, who purchased and or is servicing illegal loans.
I have sent several emails to your company trying to get this matter resolved. I am willing to repay the principal balance of the loan, the balance I show is $1398.47, I will only entertain mailing payments to you via money order, so please supply me with an address to mail payments to. The condition of me repaying the balance is that you must delete your trade-line from my credit report upon paying off the account. I am willing to make small payments over the next several months to get this balance paid.
If you do not want to accept the principal balance only and my terms, that's fine. I will just fight the bureaus to delete you from my report. I would like to get this matter resolved, so please let me know that we can discuss the payment arrangement or charge me off to a third party.
Again I will remind you that any and all contact be made through US postal mail or email only, I prohibit you or your affiliates from contacting me via telephone at my place of employment, my home or my cell phone. I also prohibit you from calling my references listed on my loan. and all ACH authorizations and wage assignments remain revoked, from effective date of original message, October 2, 2012.
Best Regards,

This was their response in the mail today dated the 16th of Oct.
October 16, 2012
VIA U.S. MAIL
RE : Loan #xxxxxxx
Dear:
We are in receipt of your inquiry of October 16, 2012. We have received multiple letters from you requesting validation of debt. As stated in our most recent response dated October 04, 2012, our records confirm that all credit information has been reported accurately for the above-referenced loan. As a courtesy, again please find enclosed a copy of the original loan document and detailed payment transaction history for your records.
Please be advised that it is our position that we have complied with all aspects of the law in relation to the validation of the above-referenced debt and consider this matter closed.
Please feel free to contact us if you have any additional questions.
Sincerely,
Dispute Resolution Department

Any suggestions on where to go with this?? I don't remember asking them to validate any thing -- oh because I didn't -- I was offering to pay them the principle.!!!

As for CC./WS and or Plain Green -- Do I keep sending them the weekly emails or just sit and wait to see what they do next?

keep sending the email.however i'm curious.you mentioned plain green.i thought you settled for the 1200.00.did you get another loan wih them under plain green,or are you looking for the SIF?again curious.

On the CC/WS loan -- file a complaint against Western Sky with the South Dakota AG (they are a South Dakota chartered LLC). You can do this online. I got a response from them within a week and they actually investigate and request a response from WS. What they replied with was very very interesting and helps your fight against CC. It seems to get WS's attention since they don't want to lose their charter considering SD is the only place they are actually licensed to do business in - lol. (PM me and I will give you name of investigator who is working on my complaint). Personally, I think the more people that complain to their AG (I'm in another state), the more pressure it puts on them.

Also file a complaint with the California AG (they have all kinds of actions against CC) pointing out they are not responding to your letters but merely treating it as a validation, etc., etc. Also, if they are considering this a "validation", then ask them for a copy of the contract that gives them the right to collect on this debt.....here's a hint, what they send you is going to differ from what WS is going to say.....Also, CC is most likely going to send you a "Modification Agreement" trying to get you to sign something with them saying that you are indebted to them, etc. Send it back with the word REJECTED - I DO NOT HAVE AN ACCOUNT WITH CASH CALL on it in big bold writing across the whole thing. They are trying to trick you because they don't have anything in their files saying you owe them a dime.

Also file complaints with the credit reporting agencies letting them know that CC is trying to collect on a debt they have no legal right to collect on.

Keep fighting. Obviously, they don't want their principal back or they would be addressing your letter. We have all got to keep fighting them. As many people are defaulting on these illegal loans, it's got to be eating into their bottom line at some point....

Just my two cents.

@ paulmergel - the $1200 settlement was someone unregistered not me..
for me --They are still saying like $537 owed on current - even though with both loans I have an over payment of $1002....

@momofthree27 I will PM you for help in this matter of filing the complaints. Thanks for the input,

I know that I don't owe Plain Green anything because of the combined loans having an over payment. I know that I still owe CC/WS principle bal minus payments I have already make. I know that they will not sue me because they have to comet to Arizona to do..

But other that filing complaints and sending them the periodic email reminding them both that I am waiting on a response, weather it be to get a PIF or a settlement agreement..

What else if anything do I need to do? Is it time to basically sit back and wait it out?

saw that with the unregistered.stick to your guns,and just know if plain green doesn't respond they will give/sell it to a bottomfeeder.it's a waiting game now,but when/if they respond please post it.would love to see how they dance around their illegality.

@ paulmergel - If they send it to a CA, what do I do next. and do you think either will try to sue?

You follow the link in YOUR signature written by me for how to deal with collections for PDLs :)

Thanks PaulMergel & Waffles - I will definitely keep all that you are telling me now in mind when and if the time comes - plus just knowing that you all are here as a support line is tremendously comforting.
I found two interesting article about CC/WS - I started a new tread, but I believe due to cut and paste issues - It is being held for moderator approval. If It is better for me to post a different way let me know..

Do I just keep sending the letters to CC/WS and Plain Green Weekly - and see if they ever respond? Do I need to change my letters any? Do I only send the letter to CC or to WS also, even though I do believe they are one in the same?

The only response from CC was the email from Ellisa asking me where I go her email from on 10/4 and then the letter in the mail on 10/16 validating debt,"Please be advised that it is our position that we have complied with all aspects of the law in relation to the validation of the above-referenced debt and consider this matter closed." I have sent them emails - 10/16 and 10/23 - nothing...

Plain Green - the last I heard from them 10/15 saying that their offer of $537 still stands. But I know with both loans I had with them that I overpaid principal by $1002. I have sent them emails - 10/15, 10/18 and 10/23 since - nothing.

I'm not worried, I know they can't get into my bank account.. I know that my payroll is watching for anything funny to come in. The only thing they could maybe do is sue and I know that you all will be here to help if that happens. Any suggestions on where to go next or if I need to do anything else?

None of these ppl are suing u calm down and live ur life

Got my 1st payment reminder in the mail from CC... letting me know that I am late and that the past due is due immediately - That I can save time by allowing them to ACH my account... and that I can select one of 5 convenient dates for ACH... Or that I can now pay with Credit or Debit Card, or of course by MoneyGram!! Guess it will go in the file and I will re-email them this week to remind them of my stance on this.

Oh almost forgot @ Unregistered - you are right!! -- I will relax and live my life!! -- They don't control me -- just making sure got my ducks in a row -- to say...

another unregistered with a totally pointless post.helpinaz just enjoy the silence and keep us posted if you get a response,or a bottomfeeder(as that is all that collects for illegals)contacts you.we can advise further from there.

OK sent my weekly emails to Plain Green and Cash Call/ Western Sky.. It is almost funny that I am contacting them more than they are contacting me..

I added in Plain Greens this morning that I would be forwarding all information on to the BBB and the Montana Attorney General's Office.

And in Cash Call's email added that I would be also sending on to the BBB and the South Dakota's Attorney General's Office, since that it were Western Sky is originated out of.

We'll see...

On a personal note I want to give a shout out to our regulars and any one else on here that is effected by the storm - know that you are in my thoughts and prayers.