great plains

DO NOT pay by credit card...mail money orders each month.

Send them an email telling you will only correspond via email and not phone.

Thank you so much for your reply. So don't even pay by a pre paid card?

It costs more money to reload a prepaid card. Money order and mail is the cheapest and safest way.

I will do that then. Thank you!

I have already submitted a question to the forum but I thought I'd answer these questions too.

1. What state do you live in?? Washington State
2. Who did you borrow from?? Ameriloan, Seaside Payday, Check into Cash, Plain Green loans & Great Plains lending
3. How much did you borrow?Ameriloan-$300.00, Seaside Payday-$500.00, Check into Cash-$250.00, Plain Green loans-$2000.00 & Great Plains lending-$800.00
4. How much have you paid? Ameriloan-$180.00, Seaside Payday-$405.00, Plain Green loans-$3102.84 & Great Plains lending-$253.22, Check into Cash-$75.00

I have emailed all of these lenders and have heard back from Great plains with a request that I call them. I have taken Soaplady's advice and emailed them back and told them I would only be corresponding by email.

I had 2 PDL's that I just paid off before becoming involved with this forum and I am currently working with Check into Cash as they are licensed in the state of Washington.

Here is a response I just received from Seaside Payday...
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Dear Dawn:

Thank you for your email. We appreciate the opportunity to clarify Seaside Payday 's business practices.

Seaside Payday is located in Belize. As we state clearly in loan agreements, the law of Belize applies to your loan. Courts in the State of Washington recognize and enforce choice of law provisions such as the one that is included in your loan agreement with us. Thus, your statement concerning "permissibility" of this loan in your state are simply incorrect.

As a courtesy, and with no obligation to do so, we will mark your loan paid in full and as final settlement of your dispute with us. However, you will not be able to access Seaside Payday's services in the future.

Sincerely,

Seaside Payday

Please do not start new threads...

Dear Seaside....

The bottom line is you are not licensed in my state or any other state in the US. The only laws that pertain to me are the laws of my state of Washington and federal laws of the United States. I do not live in Belize and will probably never visit your country and as such, I am an NOT subject to your laws. You can say what ever you wish but I have educated myself of the legal aspects of internet payday loans and the bottom line is I don't owe you a penny...the contract I signed is flawed and is null and void. I will however pay the remaining $95 I owe you at MY convenience via money order and the US postal service. If you do not wish this $95, so be it. You will not get another penny from me.
I have revoked your ACH rights and voluntary wage assignment rights and closed my bank account. My bank and employer have copies of these letters. Should you decide to pursue me by placing my account with a collection agency, I will cease and desist the agency informing them of the legal status of this loan. Take it or leave it.

I also demand that all communication be conducted via the phone that no calls will be made to my place of employment.

Govern yourself accordingly.

So should I reply to their email?

I too had a payday loan with Great Plains and sent them pretty much the same letter you did. For 3 months, I sent my payment in the form of money order to them at the address provided on their website. For the last 3 months, they have sent back my money order and told me that they cannot accept this as it is a "partial payment" and not the "full payment" that I agreed to by signing their contract. Although, I am "morally" obligated to pay them back only the principal balance (which I owe $280), I am unsure how to do so. Any ideas?

I was wondering if you had a problem with Seaside trying to debit your account after you revoked ACH.

I actually went ahead and closed the account.

Here is an email I just received from Great Plains as well as a second request for me to call them....

Dear Dawn Arterbridge,

Thank you for your recent email.

Per your request as of 10/24/12 we have stopped any automatic payment drafts from your checking account; and we have updated your Great Plains account to reflect the same.

Please note, you are still obligated for repayment by the terms of the loan agreement you signed to accept the original funds. Your due date has not changed. Therefore to avoid late or missed payments you are required to make payment by an alternate source. We can accept Money Gram or Money Order payments.

You have an amount of $126.61 due on the date of 10/26/12. We are most interested in working with you to keep your account in good standing. If you have additional questions, please contact our Customer Support team at the number listed below.
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I have already emailed them with how I would pay them back so should I just keep emailing those terms back to them?
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So should I just go ahead and start sending Great Plains money orders on the date I stated in my original email?

And I haven't heard back yet from Ameriloan or Plain Green Lending.

I just received this email from Plain Green Lending...

Dear Dawn:

Your correspondence has been directed to me for review.

We are sorry you are not satisfied with your Plain Green Loan. After reviewing your account history, we are willing to consider the account paid in full and will close your account from further activity.

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.

Thank you again for your time and consideration.




Plain Green Loans

I just received this email from Great Plains Lending...

Please be advised that this communication is for the purpose of collecting a debt. Any information obtained may be used to collect the debt. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Dear Dawn,

Thank you for your recent email.

The amount due to pay your loan in full on 10/30/12 is $887.29.

We can accept a Money Order payment, Credit Card and Moneygram.

If you choose to send a Money Order please mail it to:

Great Plains Lending
Attn: Customer Support
1050 East 2nd Street, Box 500
Edmond, Oklahoma 73034

They are also continuing to call me even though I sent them an email stating they are not to call my home or place of business and to correspond only by email.

Dear Great Plains

This is an attempt to communicate with an illegal tribal payday lender. Any information obtained will be used for that purpose.

What don't you understand?? I am not a member of your tribe and I do not live on your reservation. I am not subject to your laws. According to the law of MY state, the loan contract is null and void and legally I don't owe you a penny. Morally I will repay the principal balance at my convenience. If you send me to collections, I will cease and desist the collection agency, which is my right under US Federal Law. If you report me to the credit bureaus, I will dispute that under the FCRA, also Federal Law as a invalid, dirty contract.

I will no longer communicate with you...it appears to be a waste of my time since no one in your tribe seems to read the emails I send you. I will mail you money orders when I have the funds available.

Thank you so much! I just sent that to them. I will post the response if I get one.

Great one, SoapLady! I may even borrow that myself... made me giggle..
Can't wait to see their response.

This was the response I just received:

[FONT=Times New Roman]Please be advised that this communication is for the purpose of collecting a debt. Any information obtained may be used to collect the debt. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Dear Dawn,

Thank you for your recent email.

So that we can better answer your question, would you please call? We can be reached at the number below.

Great Plains Lending Account Services
[EMAIL="accountservices@greatplainslending.com"]accountservices@greatplainslending.com[/EMAIL]
877-836-1505
877-520-7965 FAX
8 a.m. - 10 p.m. ET, Monday - Friday
9 a.m. - 5 p.m. ET, Saturday

Great Plains Lending
1050 East 2nd Street, Box 500
Edmond, Oklahoma 73034[/FONT]

Dear Great Plains

This is an attempt to communicate with an illegal tribal payday loan lender that does not bother to read my emails. My saving your stupid emails will be used against you for that purpose.

I have already told you I am done communicating with you and I most certainly will not discuss this illegal loan with you over the phone. By the way, the mini miranda warning is only required by federal law when dealing with a third party collection agency. It is US Federal Law....since when do your tribe subscribe to federal law? You not licensed in my state so obviously you don't follow the laws of my state. Again, and for the last time, I will mail you money orders to finish paying my principal balance at MY convenience. There is no need to thank me.

I just sent them that one too...I also added that they need to stop calling me. I was still getting calls last evening. They never leave messages of course.

If a company calls you but doesn't leave a message, they can say there was a glitch with their software and you were called accidentally. If a company calls and leaves a message even though you have requested no further phone contact, well, that's their own dumb fault. That's why you don't get messages on your machine - it's bad enough you could show proof they called your number but they could explain that away and generate reasonable doubt.

Per my usual research. Great Plains address is a UPS Store. #500 must be a postal box they retain there.