ACH Revocation-Wage Garnishment and more questions

First of all tell us the name of the PDL companies. State how much you've borrowed and paid. Also, mention the state where you live. Another question, have you asked the CAs to validate the debts in writing?

New Jersey
Borrowed/Paid/Balance
My Next Day Cash $500/ $650.00/ 0 1st loan
$700/ $346.50/ $353.50 2nd
Due to overpayment in 1st loan, I stated I owed balance of $203.50. MNDC states my account has been paid 851.50

Strangely enough I got an email from TRS stating I owed $1058.00 on MY Next Day Cash and they want to settle $580.00

I called MNDC and they stated they sold account to TRS and to settle with them.

Sent C&D to TRS to tell them not to call my employment or any other numbers obtained. Asked them to send me contract stating of the balance. They want to talk to me.

Borrowed / Paid / Balance
Plain Greens $800.00 / $949.26/ overpaid $149.26
They want to speak with me. They will not email me.

Borrowed/ Paid/ Balance
Cash Call $2,500 /$670.00 / $1,825.00
They deducted 75.00 for processing fee. So deposit is 2,425.00. Representative claims I owe 3,325.00.
She said I can defer payments. It would seem that they are charging me $900.00 interest when she claimed $3,325.00. This is tough one though.

Everest Financial $500.00/ 0.00 / $500.00
They sent me email that this is paid in full.
I will call them Monday to see if its been paid in full or if they sold the account

Borrowed/ Paid/ Balance
Cash In A Wink $400.00/ $170.00/ $230.00
They disregarded the email regarding principal balance. I sent them 3 emails for C&D and 2 voicemails NO calls to work and C&D from ever calling employment. I reported them to FTC.
Cash In A Wink Collections told me I now owe $580.00 due to late payments. Though if I settle then they want me to pay $400.00 within the month of August.Told them I would call back

My Next Day Cash $500/ $650.00/ 0 1st loan
$700/ $346.50/ $353.50 2nd
Due to overpayment in 1st loan, I stated I owed balance of $203.50. MNDC states my account has been paid 851.50

Strangely enough I got an email from TRS stating I owed $1058.00 on MY Next Day Cash and they want to settle $580.00

I called MNDC and they stated they sold account to TRS and to settle with them.

Sent C&D to TRS to tell them not to call my employment or any other numbers obtained. Asked them to send me contract stating of the balance. They want to talk to me.

Plain Greens $800.00 / $949.26/ overpaid $149.26
They want to speak with me. They will not email me.

Cash Call $2,500 /$670.00 / $1,825.00
They deducted 75.00 for processing fee. So deposit is 2,425.00. Representative claims I owe 3,325.00.
She said I can defer payments. It would seem that they are charging me $900.00 interest when she claimed $3,325.00. This is tough one though.

Everest Financial $500.00/ 0.00 / $500.00
They sent me email that this is paid in full.
I will call them Monday to see if its been paid in full or if they sold the account

Cash In A Wink $400.00/ $170.00/ $230.00
They disregarded the email regarding principal balance. I sent them 3 emails for C&D and 2 voicemails NO calls to work and C&D from ever calling employment. I reported them to FTC.
Cash In A Wink Collections told me I now owe $580.00 due to late payments. Though if I settle then they want me to pay $400.00 within the month of August.Told them I would call back

Chelley...please stop opening multiple threats. Keep everything in one thread.

Soaplady .. sorry I will only stay within 1 thread

Cash Call
- I saw an email which originated from Western Sky that states my $2,6t00.00 loan was transferred to Cash Call. Although when I first called Western Sky, I automatically spoke with Cash Call representative. So for Cash Call to tell me I owe now owe is $3,325.00
- On August 23, the representative Gail wants me to re-sign an agreement. She is crazy.

I have been busy now reporting all the illegal payday lenders to IC3. I reported each to Consumer Finance Protection Bureau and will do same with NJ State Attorney General.

I was trying to get into the Plain Green account which I have an account, it denies my access even when I try to change password.


My Next Day Cash
I was doing research and it looks as if MNCD collection department is TRS as they have same address.

I reported Cash In A Wink for numerous violations. Maybe they will learn their lesson and I can get the balance charged off.

Should I be worried of Jet Lending and Payday Mobility whom I never heard from. Still no correspondence from them to me after 2 weeks.


I now receive phone call from 508-342-1534 stating I have a lawsuit pending. Probably a scam. They didn't leave the company name on voicemail.

I have reported all the illegal PDL to Consumer Finance Protection Bureau and IC3. My next attempt is the State Attorney General.

Very time consuming but worth it.

Yep, definitely worth it. Hang in there!!

These calls I received on voicemail do not state the company but all stated they have received a lawsuit or order and want to serve me with a summons.


ames Hagler
877-788-1260
Reference:6 digits starts with a 3
-----------------------------
Tracy Smith
877-796-2459
Reference: xxxxxxxNJ
--------------------------
Daniel Griffin
508-342-1534
no reference #
---------------------------
Douglas Carr
877-385-7794
reference # starts with WG and 6 numbers

Spoke with lady Angie Huie who states they did not receive original contract and accrued late fees. Informed her FTC has filed lawsuit against illegal MNDC and the interest rates are illegal. Told her the company is illegal too. She didn't seem to care but said that is all she knows.

Ignore them..they are all scum bottom feeding collection agencies..the more you talk with them..the more they will continue to call..report them all to the FTC, they cannot threaten to serve you..find out the companies and send cease and desist letters..certified mail with return receipt....

Stay off the phone. Not worth your time to talk to them. Let them keep leaving messages and ignore them. They will eventually stop

Everest Financial emailed me stating it was computer generated error that sends out email stating balance was paid. They are requesting $850.00 but settling for $540.

Jet Lending emailed previous MPDR that was was 950.00 and settlement is $450.00. Jet Lending called me and stated they want to settle for $580.00.
That is a big difference.

CWB sent me email stating that NCA is no longer the collection agency but Debt Management LLC.
What should I do?

I was contacted by a number 855--213-2470 whom left a threatening voice mail to serve me if I did not return their call
Stated they were Phillips and Roth an Attorney in New York, being retained on behalf of My next day cash for a PDL I once had online

When I called next day cash, they had no clue whom this attorney was , but advised my account was sold to TRS- Total Recovery solutions 855-868-2577, TRS could give me no information either and stated they transferred my account to
NCA- National Credit adjustors 800-542-1048 when I call, I'm put on a hold and receive a message that they have no information from which the phone # I am calling from and their system hangs up on me.

Be very care with any offer to defer payments from CashCall -- if you sign anything you will automatically acknowledge you have a loan with CC. Please know that the deferment with them is really just extending out your original agreement -- they are fraudulent on all accounts and your balance will continue to grow. As of today they are being investigated by the FTC and 21 states. There are multiple lawsuits pending against them. Stay off the phone with them, revoke your ACH and report them to your AG. Check back here for posts on new litigation information as I try to post updates regularly.

Somehow I think the FTC doesn't do much to resolve situations. Cash Call gave them their story that they tell everyone... Indian tribe and that we all signed agreement blah blah blah.

Hopefully State Atty General will be able to help.

Cash In A Wink finally stopped calling because the FTC finally contacted them.

Initially, please be advised ANNA's loan is an unsecured installment loan that she obtained from a company called Western Sky Financial (“Western Sky”) and that is currently being serviced by CashCall. Our records indicate that ANNA installment loan was originated and funded by Western Sky on May 7, 2013 in the amount of $2,525.00 which is the loan amount of $2,600.00 minus the $75.00 Prepaid Finance Charge/Origination Fee. As such, all questions regarding the origination and funding of ANNA's loan should be directed to Western Sky, at: P.O. Box 370, Timber Lake, South Dakota, 57656.

As background, 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.

Upon review of the file sent to CashCall by Western Sky, the loan documents clearly indicate that the laws of the Cheyenne River Sioux Tribe apply exclusively to the terms and conditions of ANNA's loan, and she further accepted this choice of law and jurisdiction by executing her loan document. These facts were explained to ANNA when she applied and again when she signed her Consumer Loan Agreement (“Note”).

Borrowers are instructed to read the Note in its entirety. Once they have done so, they are required to electronically sign or initial the Note in two different locations. The second of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the Note. According to our records, ANNA signed the Note on May 6, 2013 via electronic signature, indicating that she did indeed understand the terms and conditions of the Note. This Note, in its original format, is an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and its applicable laws and regulations.

The Truth in Lending Act Disclosure Statement at the top of page one clearly displays the Annual Percentage

The note is null and void since they are unlicensed and a tribal lender. If you look thru the stickies threads at the top of this forum you will see information on western sky and tribal loans.

Respond like this ...

Dear Cash Call/Western Sky

Why are you bothering still send out this crap?? Attorney General offices all over the US (CA, Fla, W.VA, MD and CO and GA) have and are filing suit over your illegal practices. The loan is tribal and unlicensed in every state in the US. Might I also reference The Fort Laramie Treaty, 15 Stat. 635, between the United States and the tribes of the Sioux Nation stating "This gives tribes the power to regulate the activities of nonmembers who enter consensual relationships with the tribe or its members, through commercial dealing, contracts, leases, or other arrangements, but only when the non-Indians [are] on their reservations. Id. at 565.FN9"

Do yourself a favor...mark my account as paid in full. The loan document is null and void and legally I owe you nothing.

Govern yourself accordingly.

I have receive phone calls from a Daniel Griffin 508-342-1534. He said I owe $500.00 or else I would be thrown in jail if I don't pay. He said he's a lawyer from Massachusetts.I want to know if this is a scam or not.

Daniel Griffin
508-342-1534
no reference #

i also want to know if this guy is a scam numbers because i have receiving calls from that number. And that I have to pay money through the green dot money pak and he never revealed what law firm he supposedly work for.

yep he is a typical scamming loser.report and ignore.

PDL are illegal in your state. Nobody can collect on them. If a collection agency contacts you, get one of those "pay only if you win lawyer" and try to sue under FDCPA. Green River Management contacted me about illegal PDL with MyCashNow.com I threatened the above. They called me once more to tell me collections activities were terminated and that my file would be removed from their database. Whatever loan agreement you may have "signed" online is Null and Void, unenforceable. They can't even sue you in civil court. As far as Daniel Griffin is concerned I'd tell him to kiss my ...

Today I get a call from Mr. Tall at 877-610-4763.

The voicemail he left at my work number states to regarding important business matter. Maybe I would have called but then the idiot left me a voice on cell. The voicemail states "Please call Mr. Tall. He received document in his office that they will be filing with my county court. He also states the pending lawsuit involves me defrauding financial institution."
My parents state this asshole left a voicemail stating "Garnishing wages if I do not call"

Clearly they violated the FDCPA.

I work for an attorney so if they want to keep up with these phone calls, they better be real careful.
I may just report this number to local police department and report to FBI.

These calls are now getting annoying.

CWB Services never notified me that they sent my account to National Credit Adjusters. I had a question I needed to ask CWB Services and they stated my account was no longer with NCA but with Debt Management LLC. At this point, I figure if these collection agencies had any valid claim, they would send me correspondence in the mail.

Should I even send payment regarding principal balance owed to CWB since they claim my account is closed with them?

As for Payday Mobility, noone ever emailed me back. I even sent 3 emails. I guess they don't want their money. They were trying to state I owed $800, that was back in July 2013. I disagreed with amount and just sent them emails. Never heard from them again.
Should I even attempt to send them principal balance owed.

If you work for an attorney then you know that these guys are just bottom feeders. Ignore the calls. If the original loan was illegal then it doesn't matter how many times they transfer it to a collection agency, they cannot collect on an illegal loan. Ask for a dunning letter and if they send you something, which most likely they won't, then c&d them based on the fact that the loan is illegal. If Payday Mobility will give you an address to send the principal to then send them money orders otherwise don't worry about it.

This is the CFPB response to my complaint about Jet Lending and Cash In A Wink. Have not heard their response about Plain Green.

message from CFPB
" We reviewed your complaint to see if it involves a Federal consumer financial law within our authority, and found we were not able to act on your complaint. Although we have closed your file, we would like you to know:

- We have sent a copy of your complaint to the Federal Trade Commission, where they have included it in a database for state and federal law enforcement agencies.

- You may contact your state and local consumer protection offices about the issues raised in your complaint. Call 311 or your local directory assistance to find your local resources.

- You may contact the company about this matter directly to try and resolve the issue.

- You may seek help from an attorney, your local legal services office, or file your own case in court. Certain laws may limit the time period in which you can file a case in court. If you need free advice from an attorney, you can contact legal aid organizations for a referral. Visit www.lsc.gov to find legal aid in your area.

We take complaints very seriously and appreciate the information you provided throughout this process – it helps us identify trends and problems in the marketplace and better understand the challenges American consumers face. "

Plain Green does not want to email me a response but wants me to call them. I refuse to do so. I had sent them 4 emails for every late notice they send via email.

As mentioned in the above thread, I have paid $949.00 on a $800.00 loan. They still claim I owe them $750.00. I told them I am owed a refund and consider my account closed.

They called me all last week but never left messags.

@ Anna - is it possible you can copy and paste what you originally sent Plain Green, it is unlike them to not fold since you have already over paid the principal. If you can copy what you sent them via email when you revoked your ACH authorization and cancelled your wage assignment. It may help us more to help you with what to tell them to get your account marked as paid in full. When you attempt to log in online to your account with them what does it say?

Personally, in my opinion, if the PDL lenders sells (not assigns) the account to a CA, I would simply cease and desist the CA and not pay them a dime. If the CA is stupid enough to purchase dirty accounts, they do NOT deserve to be paid a penny.

If the account is assigned, I would still cease and desist the CA.

Letter to Plain Green

After researching internet payday loan laws in the State of New Jersey, I have found that Plain Green Loans is actually doing business illegally within the state of New Jersey. Consumer loan act applies but rates as agreed to by contract. N.J. Stat. Ann. tit. 17:1 et seq. However, criminal law sets the usury cap at 30%. N.J. Stat. Ann. 2C: 21-19. Small Loan Rate Cap not exceeding 30% per year.

The Attorney General has informed me that Plain Green Loans is not licensed entity iand is not registered to conduct business in State of New Jersey. Any loans made by an unlicensed entity to a person physically located in New Jersey is uncollectible and unenforceable in State of New Jersey.

It is irrelevant that you are governed by the laws of the Chippewa-Cree Tribe of Montana. You are located in Montana and are a tribal lender, therefore it is illegal for you to lend to residents in New Jersey. The loan agreement may be valid under the laws of the Chippewa-Cree Tribe of Montana, but it is not valid under the laws of New Jersey where I reside. My address was listed on the loan application when I applied, so Plain Green is well aware of where I live and knew it was illegal to lend to me in the first place. By law I am responsible to pay the balance of $800.00. According to my payment history record, I have paid $949.26 on the account. I have overpaid the account and am due a refund.in the amount of $149.26.

I hereby revoke any and all ACH debit authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers. I have closed my account with JP Morgan Chase to protect my interest in this matter, per instructions from the FDCPA. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any one part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so somewhat attempts to do in like manner on your part will be rejected.

This letter will serve as a CEASE and DESIST notification, as I demand that any contact be made through via EMAIL only. I will need everything in writing to keep accurate records of all communication in the manner that per instruction from my attorney.

This letter prohibits Plain Green and its affiliates to contact me via telephone at my place of employment or anyone within the offices; or any other numbers you have attained. I also prohibit you from calling my references listed on my loan.

keep sending that email as a response.you won't get a refund,but they will mark it PIF in time.btw because you only overpaid by 149.95 they will fight you.so again keep sending that email as a response to everything they send.

@Anna - your letter looks fine, I would reference the loan number in the letter!!. When you sent it to them - did you copy and paste to them from their own website? You should have gotten a generic message back similar to this -
" Thank you for contacting Plain Green. This is an auto-acknowledgement confirming the receipt of your message - please do not reply to this email.
Your request has been received and one of our online Representatives will be responding to you within one business day. If your request requires immediate resolution, please call 866.420.7157. Representatives are available Monday through Friday, 8 a.m. to 10 p.m. and Saturday 9 a.m. to 5 p.m. ET, to assist you.
Sincerely,
Plain Green Loans 866.420.7157
8 a.m. – 10 p.m. ET, Monday – Friday
9 a.m. – 5 p.m. ET, Saturday"

If you did not I would try sending again from their website - from this page http://www.plaingreenloans.com/about/contact-us - use their own contact us page - just copy/paste letter into message. I used the subject cancel payment or loan.for phone enter 0000000000, they don't need your number again. you need to know 100% they got your email, if you have not gotten the above message and they are only sending you emails asking you to call and that you are late on your payment, I am guessing they never got the first from you.. if you do this way you will get the message back.. Have you tried to log in? Curious to what comes up when you try!!

I sent the letters via email, not their website.

This was Plain Green's last response:

We’ve made multiple attempts to contact you about your Plain Green Loan. So far, you’ve failed to honor the commitment you made when you accepted the loan.

Please let us know how we can help. Call us toll-free at (866) 614-7103 or email us at accounts@PlainGreenLoans.com.

It’s very important that you contact us immediately to prevent further collections activity. We want to help you get back on track to pay off your loan.

Thank you for your cooperation.

Plain Green Loans Account Services
accounts@PlainGreenLoans.com
866-614-7103
866-420-7159 FAX
8 a.m. - 10 p.m. ET, Monday - Friday
9 a.m. - 5 p.m. ET, Saturday

Thanks for the advice to send via website. I have sent them email from their site.

Did you get some kind of response back right away, you should have gotten at least the generic response I mentioned above? very important! What if anything do you get when you try to log into your account?

I received the automated message as you have stated

Thank you for contacting Plain Green. This is an auto-acknowledgement confirming the receipt of your message - please do not reply to this email.
Your request has been received and one of our online Representatives will be responding to you within one business day. If your request requires immediate resolution, please call 866.420.7157. Representatives are available Monday through Friday, 8 a.m. to 10 p.m. and Saturday 9 a.m. to 5 p.m. ET, to assist you.
Sincerely,
Plain Green Loans 866.420.7157
8 a.m. – 10 p.m. ET, Monday – Friday
9 a.m. – 5 p.m. ET, Saturday"

Every time I try to login, it tells me to enter old password and new password. No matter the new password I try to use, it will not let me into my account. It would give me the error message: Password must contain 8-15 characters and include combination of letters(upper and lowecase).....

This has happened since I defaulted on the loan. It won't let me back into the account.

that is a typical move as they hope they can convince you through their emails that the overinflated amount they say is what you will pay.being locked out/shutout of your account is typical,and not uncommon.btw you know how much you truly owe(if anything)so they can show a 1,000.000.00 balance and it wouldn't mean squat.i wouldn't worry about it.

@ Anna - I am glad to know that the email from their site the them worked for you - this means they actually got your email this time you should hear something in a day or two.. keep us posted.. I wouldn't worry about being locked out of the account. NOW that we know they have gotten your email - all should end quickly with them..
@ Paul from the information Anna was getting from them it was evident that they never received her original email revoking ACH at all - now that she has received some type of confirmation back that they have - this should end quickly with them.. she had already overpaid..

the post i respomded to was annas stating she can no longer get into here account.that was after the auto acknowledgement email.

I received the same call threatening to serve me and come to my home or my job. My only option was to call 855-213-2470 to resolve the matter before his date to serve me. It left me upset and worried because I am unemployed and cannot afford it. What did you do about the matter?

@unregistered - when Google number, under 800notes- looks like just another scam debt collector, Phillips and Roth a debt collecting firm. I would check with local courts to make sure nothing.. But I would ignore.. if they call again ask for debt validation to be mailed and ask for an address - you can send them a Cease and Desist letter. if not Block their number if can..

I would NOT bother calling anyone who threatens you via phone or voicemail. You can report them to FTC if you have a valid address. They can get fined. Keep the voicemails.

Legally you would have heard from the court if there was a suit. If there is no correspondence from debt collector I would not even bother.

@ Paul: email from Plain Green last month stated a balance they said I owed was $749.00. I had paid $950.00. Overpayment of $149.00 which I requested a refund and to close my account.

Since the email I sent to Plain Green Loan website, the only response was what I had mentioned on previous comments. Noone has contacted me regarding the email. Should I send another email?

I would give a few more days.. You send and got that response back on Thursday, knowing that they got it this time... Mine took about a week.. back in Oct. Lets see if you hear from them early this week.. before you send again from their website again.. Keep me posted and try to relax.. at least your money is safe from them, and you will not be paying them anything else anyway... :)

Finally received the email from Plain Green. Here is the email below.

"Your correspondence has been directed to me for review.

We are sorry you are not satisfied with your Plain Green Loan. At this time we have closed your account from further activity.

To further clarify 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.


Thank you,

Plain Green Loans
support@PlainGreenLoans.com
866-420-7157
866-420-7159 FAX
8 a.m. - 10 p.m. ET, Monday - Friday
9 a.m. - 5 p.m. ET, Saturday

According to the email from PG, they stated will close out account from further activity and will not debit ACH. Though they never stated the account is paid in full. Am I correct?

Yes, exactly what everyone else gets... and never hear from them again.. You are done with PG - Congrats.. Print and keep in a safe place in case ever need again.. :)

7DayLoan finally sent me the refund of $215.00.

Cash Call wants me to sign an amendment extending out the loan. They deferred only 1 payment. Total Borrowed $2,525.00/ Total Paid: $600.00.I will only pay the principal balance. They want me to sign the agreement by Aug 31, 2013.

Good news on the $215.00 - I would cash not at my bank, just my opinion though.. And don't sign anything with Cash Call - your loan was with WS and Null and Void.. they are only trying to get you to sign because if you read carefully it talks about your loan with CC!! Just file away - you will get lots of mail from them - file it all.. DO NOT SIGN AND RETURN ANYTHING TO THEM!!!