Taking my life back in Texas

Well you sound like you have not read the illegal pdl primer...it is in my signature line. You dont have to do a hard block....you do an ACH revocation. You signed a wage assignment, which you can revoke as it is voluntary. Read the instructions and follow them.

And no...the IRS cannot change an account number once the taxes are filed.

Well actually, my bank said the only way to guarantee they can't touch our account was to put a block on it. This will keep us from being charged overdraft fees if they run them back through. Our banker said that most of the PDLs will ignore the ACHrevocation and run them through under different names. When I went in she didn't even want the ACH revocations, they are blocking it and opened us a new one.

Also I know most are illegal and what to do on those, but are any legal outside of Advance America?

That is what my bank said also - the best way to keep them out of the account is to close the account and open a new one not linked in any way to the old. which is explained in the link SOAPLADY is telling you to read - in her signature line above and in mine below..

From a quick look at your list - Check n Go & Ace Cash Express are legal lenders as well as Advance America - later I will look at more to see if any others... but I don't believe so... Online lenders have to be licensed to lend in Texas to do loans you can look up here.. Texas Office of Consumer Credit Commissioner - http://www.occc.state.tx.us/

Okay, help first response back from Whitehills. How do I respond now? I owe them $160 in principal, they are wanting the full $520.

Julie,

We are in receipt of your email regarding your account and have reviewed your
concerns carefully in an attempt to resolve this matter. As clearly indicated in
its website disclaimers and the loan documents executed by you, White Hills Cash
is a tribal limited liability company established by and for the Ft. Belknap
Indian Community pursuant to tribal law. Both our website and your loan
documents explain this fact clearly. As a sovereign enterprise, White Hills
Cash is not subject to state regulation.

By signing your Loan Agreement, you agreed to the application of Ft. Belknap
Indian Community law. You agreed to comply with all of the terms and conditions
of the Loan Agreement upon execution. White Hills Cash relied upon your
representations in good faith and approved your loan based upon such
representations. White Hills Cash always strives for excellent customer service
and we are willing to work with you to achieve resolution of your concerns.

You have revoked our right to ACH your account, as is your right to do so, and
at this time we will immediately cease all withdrawals. The remaining balance
owed is $520 and our mailing address is 5781 West Sunrise Blvd, Plantation, FL
33313.


Thank You
Customer Service
1-800-986-1962

Blah blah is what they are saying - remind them that you live in TX not on their Indian reservation and the state of TX states that in order for them to lend to one of their residents they have to be licensed to lend in TX... You are willing to pay the remaining $160 that is owed on principal only and when you want to pay and that you will pay money order only via US mail... When and only when they agree to you send them anything - if they don't agree to what you are telling them they get nothing...


I did find it entertaining that White Hills Cash. Island Finance, LLC is a Native American owned business created by and for the Ft. Belknap Indian community, a Sovereign American Indian tribe. Our business is operated on the Ft. Belknap Reservation located in Montana - but they have a mailing address in FL....LOL

Probably a mail drop, A lot of these online PDL's have them. When I was paying Cash Today, which is in London, I had to send my money orders to a Reno address, so it's probably the same thing.

Hell, I am surprised they agreed to the ACH revocation, even though I really don't even need it, since the bank is working with me on the block. One down, many to go :) I responded, we'll see what I get back. I am sure my phone/email will be blowing up tomorrow. The only ones I am worried about are the legal ones as I need more than a month to pay those off....we will see when I call tomorrow what they say...

Thanks all for the help, will keep you updated.

Just remember to stay off the phone with them the illegal ones.. block numbers when can..

I would guess the legal ones may be easier than you think.. they may have to have you go into collection to work out a payment plan - or they may just offer an extended payment plan.. some times those are kind of tough to do due to the amounts. Good Luck - will look for update soon! :)

Dear Tribal Lender

Please cut the Tribal Law crap. You know as well as I do that the only laws I am subject to are the laws of MY state of Texas. I do not live on your reservation and as such the contract I signed is null and void. Legally I owe you nothing. Morally I will finish repaying the principal balance I owe. You are within your legal right to send me to collection. However I will us my legal rights to cease and desist any collection agency collecting on this debt. Should they choose to violate federal law, I will be happy to pursue them for statutory damages.
Govern yourself accordingly.

LOL thanks Soaplady, almost exactly what I said, but not so um...."eloquently". I am sure I will be flooded tomorrow.......:)

Great News - you might check and see if Check n Go will take a cashiers check from your bank!

Score 2! YAY!

We respect a consumer who researches the services he/she uses. With that being
said when you applied for and agreed to the terms of the loan, it would have
behooved you to read the complete contract you were agreeing to with The Anasazi
Group. You may be a citizen of TX, however the contract was not made in TX but
via the world wide web, the governing law (clearly outlined in your contract)
which you agreed to by entering your electronic signature and when you spoke
with Myesha on 3/5/2012 are the laws of the jurisdiction in which the lender is
located.

That said, after reviewing your account and without having to do so the lender
has agreed to accept the principal balance minus the fees that have been
collected to date, that leaves an unpaid balance of $20. Please note that
settling the account in this way has set you to a denied status for any future
lending. I have copied the instructions below to allow you to send in the
payment via Money order.

We are set to do 1 money orders/cashier check @ $20. Please make it payable to
Anasazi Group LLC. After it has been filled out and signed, please make a photo
copy of the money order with your full name and customer number 156178.

Then fax the photo-copy by the end of the day on 5/3/2013. Please fax the copy
to 1-888-519-2164. A call to confirm that it was received would be appreciated.
Once you know the copy has been received, Please mail the money order the same
day to

Anasazi Group LLC
C/O CWB Services LLC.
P.O. Box 411056
Kansas City, MO. 64141

We will need the physical money order via postal service no later than 5/10/2013
to prevent us from debiting the account on your application.

Please call if you have any questions.

Robin R

Dear Anazi group...

Cut the crap. You know as well as I do that the only laws applicable to me are the laws of MY state so you will have to abide by MY state laws. I will send the $20 at MY convienience, not yours. And there is absolutely nothing you can do about it. And I am hereby revoking any and all ACH priveleges. A copy of this revocation will be given to my bank so debiting my account will only cost YOU money.

Govern yourself accordingly

Geez, doesn't it break your heart that you can longer borrow from Anasazi Group? Way to go, keep up the good work.

I know right? :) And to Soaplady, actually they were agreeing to my terms. I told them in my original email I would send the $20 money order on 5/3, so we are good there. Twinbluffs just responded that they want their $120 in one payment on 5/15 or they are going to ACH the account instead of what i setup as a payment plan. About to respond to that cause um no, I will pay you what I can when.....

Other note, I did get a EPP with Check n go. They are legal and although it is going to be tight, I think we can handle it to get than one gone. Unfortunately they will not take a money order, they want a prepaid card if we don't have a bank account. I can do this if necessary, but has anyone had any luck with a legal lender accepting money orders? I just want it done and gone.

I had a loan with CashNetUSA and they accepted money orders. Not sure why there would be a problem for you.

Score 3! This one accepted my offer as well!

Dear Ms. Springett:

While we appreciate your response in regards to your outstanding loan, we would
also like to make you aware of the fact that you voluntarily entered into this
loan agreement, and it is in no way misleading. We strongly believe in complete
honesty and transparency in our business; we believe this is necessary to help
build strong relationships with our clients.

Greensight Funding Group, LLC provided full disclosure at the time of loan,
outlining the terms of the loan as well as applicable fees and the fee schedule
for the loan. We also informed you that if after 24 hours of signing the
agreement that you are not in agreement and do not wish to keep the loan, we
will gladly reverse the transaction without any fees within 24 hours after the
loan has been funded. In addition, we encourage all of our clients to call us
and ask questions if they do not understand any of the terms on our website.

Our goal is to provide the best customer service to each and every one of our
clients that comes to us with a short term cash emergency quickly and
efficiently to help them get thru their financial crises.


You may make your payments of $45.00 on 5/15/2013 and 6/1/2013 online with
credit/debit card at www.greensightpmts.com

OR

Please remit final payment to:


Payable to- Goldline Management Services

GLFG, LLC
PO Box 26426
Overland Park, KS 66225


Please include your name and the last 4 digits of your social security number to
match your loan records.



Sincerely,

Greensight Funding Group, LLC

Email: Support@greensightfunds.com

Phone: 800.914.1574 | Fax: 800.914.4181

Tell greensight that you will make your payments by money order only!!!!!!!!!!!!!!! YOU are in control!!!!!!!!!!!!!!!

Score 4! I am thinking they mean they consider my account paid in full, I was overpaid on this last loan by $152, I asked for refund, but didn't really expect it.

Dear Julie,

Your correspondence has been directed to me for review.

Pursuant to your request, we have removed your contact numbers from our system and we will make no further ACH debits from your account. Your account has been closed from further activity.

Thank you again for your time and consideration.



Great Plains Lending Customer Support
support@greatplainslending.com
877-836-1506
877-520-7966 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

CONFIDENTIALITY NOTE: Privileged and Confidential. This e-mail, and any attachments thereto, is intended only for use by the addressee(s) named herein and may contain privileged and/or confidential information. If you have received this e-mail in error, please notify me immediately by a return e-mail and delete this e-mail. You are hereby notified that any dissemination, distribution or copying of this e-mail and/or any attachments thereto, is strictly prohibited. Thank you

Congratulations on another victory!

Great News - That looks just like the email I got from them in Oct.. and I read it the same way - PIF!!!

Ok, question for the experts. I setup an EPP with Check n Go, I still have Advance America left. However, i realized if I do an EPP with them, there is no way I can pay both EPP's every paycheck. What is my best option here? Oh and note, I called ACE and since it isn't a "payday" loan it is an installment loan, I have to let it default first, then they will setup payment arrangements..... Help?

Call Advance America first see what they offer - it may be better to let all go to collection - if you call them and tell them that you need to have them go to collection and what you can do when and work it out, it is better than just defaulting.. And Ace is OK to work with they will work with you, it just has to be in collection to set up a payment arrangement..

Have you been dealing with store level or corp.. I would suggest corp.. have a plan you can do on all three and call them and say this is what I need to do - I want to pay but can only do this and see what they say - both may have to compromise a little but I bet you get it worked out to something you can live with..

ACE is online. Advance America is a storefront and is the only Store Front. I haven't called yet. I know they are going to offer the EPP, but in TX it is 4 payments only and since I did the one with Check n Go, I can't do both.

Like I said they may need to force to collection to offer a more favorable payment plan,. and Ace is online but they have a corp number -- Here is the link to their contact page - https://www.acecashexpress.com/contact-us - you can always start with contacting them directly and telling them that you need to work out a payment arrangement.. I dealt with ACE myself.. they don't bite it will be OK! And it is 4 payment everywhere for EPP's from what I have seen.. I worked out with Ace and Cash one with no problem, what would work for me.. You won't know til you try. Just tell them you want to pay but the EPP is too tight to do. they don't have to know you have other loans - but you do have bills to pay that are more important..

For some reason I can't sign back in and password resets are not making it to my inbox.

UPDATE - Hydrafund sent to united collections and I settled for $167 (I owed $175) on principal.

CWB Services which handles Ashland, Sandpoint, and Twinbluffs has sent to National Credit Adjusters. The idiots just got through to me at work and I got the call not realizing. Long Story short, they are threatening to sue and saying that I broke the law by signing an illegal contract. The won't settle for principal owed after payments, they want full payment. I gave up arguing and hung upon them.

Send NCA a cease and desist letter pointing out that they are knowingly trying to collect on illegal payday loans. They have been sued in several states over this same thing. Unfortunately our lovely state of Texas does not protect us consumers so not in Texas. They are bluffing and you can bluff them right back. Make sure to fax the letter with confirmation and send via CMRRR so that it is binding. Then keep a log of any calls you receive from them -- if you can catch them breaking the C&D you can pop them for a FDCPA violation, which they are known to do. The only ones you need to worry about are the legal ones as they will turn them over to collection agencies and they will find their way onto your credit report. There is only one illegal lender that I know of (and you don't have a loan through them) that reports on credit reports. Good luck!

here's the thing, NCA hasn't sent me anything to respond to. All I got were emails from Ashland and Twinbluffs that they sent it to NCA, they wouldn't respond to my settlement emails. I didn't even get their number since it was accidentally transferred to me at work. Will be interesting if they continue. since I do have their address, thinking of sending a C&D leered to them anyway....

yes send the C&D cmrrr and then they either go away which they should,or you sue them as i can't think of one time they actually sued someone.they have been sued many times.get the letter out and see if you can't add to that number.

I agree with Paul -- more times than not you will get phone calls without them ever sending you a dunning letter, especially with these bottom feeders. Go ahead and send the C&D to them.

Anyone had any luck dealing with Idealgelt? They won't respond to my emails and now their call center Centrinex is calling me at work.

tell everyone especially your boss that this is a scam outfit calling.th sooner you hang up once you know it's them the sooner they will get the hint.bottomline do not engage them on the phone.you overpaid your loan and if all they want do is harrass and argue over the phone they can piss off.