OneClickCash reply
Date: Sun, 05/19/2013 - 08:06
The loan agreement you entered into with One Click Cash was and is a valid agreement, which is governed by the laws of the Santee Sioux Nation of Nebraska, a federally recognized Indian Tribe. As a federally recognized Indian Tribe, the Santee Sioux Nation of Nebraska is a sovereign, just like the state of Maryland. As such, the loan agreement is a valid agreement under the laws of Santee Sioux Nation of Nebraska and is governed by the laws of the Santee Sioux Nation of Nebraska.
Please see the attached settlement offer:
Balance Due: $780.00
This offer is being sent to you as an offer to settle the above referenced account. One Click Cash is currently offering $420.00 as a settlement in full on the above noted account.
If you want to take advantage of this limited opportunity, please call one of our representatives today at our toll free number 1-800-430-1450 Ext 237 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@oneclickcash.com. Payment must be received by One Click Cash no later than the close of business on May 31st 2013. Payment must be made via ACH and or the use of a debit/prepaid card by the above date, or the offer will be considered null and void. This is a limited opportunity and contingent upon the clearance of your good funds. If you would like One Click Cash to automatic debit the amount, please give permission via email or call us at the number provided.
Upon clearance of the above noted funds, an email will be issued as verification that the above stated amount was received, has been cleared and is accepted as settlement of the above account. There will remain no further outstanding obligations pertaining to the account.
We take pride in assisting our customers to resolve their situations. Please call one of our representatives today to take advantage of this limited opportunity, please call our toll free number at 1-800-430-1450 Ext 237 Monday–Friday 7:00AM-3:00PM CST, or email us at compliancedepartment@oneclickcash.com.
This is your 4th account with One Click Cash. You applied for this account on our website at oneclickcash.com.
SETTLEMENT OFFER
Payment(s) Negotiable
Amount 420.00
Due Date 5/31/13
Method of Delivery ACH/Debit
When I e-mailed them on 4/30 I let them know that since payday loans are prohibited in my state I was only responsible for the principal ($600). As of 4/30 I have paid $360, so I owe $240 not $420. While I may have had loans before and paid them off (stupid me) they are not prohibited and I am only paying the principal on this loan.
Please advise me on how to reply.
Dear Payday Loan
Dear Payday Loan
Cut the crap. You know as well as I do that payday loans are ILLEGAL AND PROHIBITED in Maryland. I am not a member of the Santee Sioux Nation of Nebraska nor am I subject to your tribal law. The loan document I signed in null and void in the eyes of MY state of Maryland. Legally I do not owe you a penny and you know that!! So quit wasting my time. I will repay the remaining principal on this account at MY convienence. If you send me to collections, I will simply cease and desist that agency and deduct the expenses incured (certified mail, cell phone charges) from your principal balance. Should any collection choose to violate my cease and desist order, I will happily pursue them for statutory damages under the FDCPA. So do yourself a favor....dont waste your time calling me. You will get your money on my schedule.
Govern yourself accordingly...
Thanks Soaplady...
Great advice as always. Might leave out "crap", QXL Online wasn't too cool with that.
Anyone else dealt with OneClick Cash??
What was their concern with
What was their concern with "Crap" did they actually say something about the word? Also remember if they don't agree to your repayment terms, of principal only and how you are going to repay, then they don't get anything? I would not keep wasting time trying to get them to agree.. last email and then when they want - they will respond, if they send to collection you C&D...
No concern...
Not sure if it was a concern, but when I did send the last reply to QXL with similar wording to Soaplady's suggestion they locked me out of my account and deducted $250. Not sure if it's related or they were pissed I was fighting back.
I will reply tomorrow and keep you posted.
Good luck - you do have your
Good luck - you do have your bank account secure not right.. Was the charge from QXL for $250 after you had revoked ACH authorization and given copy to your bank? If so then the bank would be liable for allowing the charge to go through...
Bank account is good to go....
Bank account is closed and I opened a new one. Yes the $250 charge was after I revoked ACH authorization. I filed a claim and am waiting to hear back from the bank.
Should be no issue - if you
Should be no issue - if you revoked ACH authorization and gave them a copy - they are liable for the amount.. under fed reg E....
BS or Crap...that is what
BS or Crap...that is what they are handing you. The reference is totally accurate.
Ha, ha....
Good point. Gotta get away from being so polite.....especially when they are in the wrong.
You've got to deal with them
You've got to deal with them with a little less tolerance for they're actually meting out trash your way.
Here's my response.....
Dear Lender,
Thank you for the e-mail as well as the settlement offer. However, you know as well as I do that payday loans are ILLEGAL AND PROHIBITED in Maryland. I am not a member of the Santee Sioux Nation of Nebraska nor am I subject to your tribal law. The loan document I signed is null and void in the eyes of MY state of Maryland. Legally I do not owe you a penny and you know that!! I will repay the remaining principal on this account ($240) at MY convenience. If you send me to collections, I will simply cease and desist that agency and deduct the expenses incurred (certified mail, cell phone charges) from your principal balance. Should any collection choose to violate my cease and desist order, I will happily pursue them for statutory damages under the FDCPA.
You will get your money on my schedule. Please provide a mailing address so I can send a money order for the remaining balance ($240).
looks great
isn't it pathetic how they try and lie through their teeth?780.00 balance.they can claim you owe 7,800.00 and it wouldn't mean squat.the response looks great.send it on down.
I just reread your post. You
I just reread your post. You have had 3 previous loans with them? Did you add the amounts borrowed and amounts paid back? It may be that you do not owe them anything. It is worth checking....that is if you have records.
Thanks again....
Yes Bingonut I had 3 loans before with them and I paid them all off. I would have to get that information from my old bank account, cause we know they won't give me any of that information. I am probably owed a refund at this point as I paid A LOT of interest.
Probably owed more...
I actually have had several loans with different companies and have paid them off, then renewed them. I just recently found out they are prohibited so it seems that I shouldn't be paying any of them back. I would love a refind, but don't know if that will happen. I will be happy to have them marked as PIF and be done with all this.
Will MD Commissioner help with this...
Should I wait to hear from MD Commissioner and see if they can help me with a refund or get it marked PIF or try to negotiate with the lenders?
Dont wait for Commissioner..
Dont wait for Commissioner...work with lenders for at least a PIF if not a refund.
Thanks bingonut...
Any advice on what to say? Do I resend my original letter or send something else?
do this
just keep resending your original email.they will get the message one of these days.just know you are right and they are wrong.