Update on progress w/ lenders

Please, let me know if correct.. Thanks!!

Great Plains Lending,

It has come to my attention that this loan is illegal in my state, due to usury caps in place in Arizona. Therefore, the loan contract that I have with you, according to my state???s laws, is not enforceable. I have contacted the Arizona Office of Financial Institutions and the Arizona State Attorney General???s Office regarding your internet loans and was informed they are indeed illegal in Arizona and was advised to pay what is due according to principle amount only of the loan. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $ 500 on (4/24/2012), and have had 9 bi-weekly withdrawals of $115.02 debited from my account. This results in an overpayment of $535.18.

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the $535.18 overpayment. A refund check of $535.18 should be mailed to me at the address you have on file.

I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my state Attorney General's Office.

I prohibit you or your affiliates to contact me via telephone at my place of employment, my home or cell telephone number. I also prohibit you from calling my references listed on my loan.

Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.

I changed the beginning of all of my letters to this: to all 3 lenders - Plain Green, Great Plains, and Wester Sky/ Cash Call

It has come to my attention that this loan is illegal in my state, due the Small Loan Rate Cap of 36% per year in place in Arizona and not being licensed to do business in Arizona. Therefore, the loan contract that I have with you, according to my state???s laws, is not enforceable. I have contacted the Arizona Office of Financial Institutions and the Arizona State Attorney General???s Office regarding your internet loans and was informed they are indeed illegal in Arizona and was advised to pay what is due according to principle amount only of the loan.

I think that this covers most of the issues, except for them being tribal.. I wasn't sure how to write that - If anyone has any other suggestions I will hold off printing for the bank until in the morning before I go to work...

All of your letters are fine now. I have locked your other threads & consolidated your letters into this thread. From now on any discussion about your loans will be in this thread.

Good luck and keep us posted

Bank has old account on restriction lock down - deposit only - New account set up and not linked in any way to old account. Bank already has copies of the emails that I sent to the 3 companies on file.
Just sent all three emails out with ACH revoke and all other information. I know that Plain Green and Great Plains got theirs - because I got the generic, one of our online reps will contact you in 24 hours. I sent it to Cash Call twice, nothing showing it went out at all to them, we will see.
Now I guess we wait, any idea how long it will be before I hear from them, I pretty much also insured they can't reach me by phone even if they tried - I called and updated all my contact numbers to nonworking numbers.
Our home number is unlisted.
Wish me luck, I will keep updated as goes along..
Thanks again for all your help and support...

Just heard back from Cash Call - That was quick....like less that 1 day...

first was this:
Dear Customer,

Thank you for your correspondence. I have received your email request to cancel the auto withdrawal on your loan. Your request has been processed effective today. Please keep in mind that your due date is the 1st of every month. Your account has been placed in a cease and desist status. All communications from CashCall going forward will be communicated in writing through mail or email only. I have also sent a Permissible letter to your email and home address this should answer all of your concerns. Have a great day.

Thank you,

Nikki C
Customer Concerns Representative

Customer Service:
Phone 877-525-2274
Fax 866-900-8344
Monday- Friday 6:00 a.m. - 8:00 p.m. Pacific Time
Saturday 6:00 a.m. - 12:00 p.m. Pacific Time

Collections:
Phone 866-899-1844
Fax 949-225-4699
Monday-Friday 5:00 a.m. - 9:00 p.m. Pacific Time
Saturday 6:00 a.m. - 12:00 p.m. Pacific Time

This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

This was the 2nd email from them: Any suggestions on where to go next with this one?

This letter is being sent in response to your inquiry of October 02, 2012 in regards to the interest rate charged in conjunction with your loan.

Your loan was funded by Western Sky Financial ("Western Sky") on May 07, 2012, 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. 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. Western Sky does not have any physical presence in your state or any other State of the Union. The laws of the Cheyenne River Sioux Tribe apply exclusively to the terms and conditions of your loan, and you further accepted this choice of law and jurisdiction by executing your loan document. These facts were explained to you when you applied and again when you signed your Promissory Note. As a courtesy, please find attached an additional copy of your loan Note for your records.

Please also be advised that on May 10, 2012,per the NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS e-mail sent to the e-mail address you provided, your loan was sold to WS Funding, LLC, and is currently being serviced by CashCall. If you have any questions regarding your loan, current balance, or payoff amount, you may call our Customer Service department at 1-877-525-2274. Our hours of operation are 6 a.m. to 8 p.m. Pacific time Monday through Friday; 6 a.m. to 12 p.m. Pacific time Saturday. If you are unhappy with Western Sky, WS Funding, or your loan in any respect, we would advise you to pay it off now without penalty.

We hope that this response has answered your questions. Please do not hesitate to contact me if we can be of further assistance.

Sincerely,
Jean K
Customer Service Manager
CashCall, Inc.
(877) 525-2274
--Forwarded Message Attachment--
WESTERN SKY CONSUMER LOAN AGREEMENT

Stay off the phone... keep it to email. You need to email jean and CC elissa chavez (Elissa.Chavez@cashcall.com)

Leaving a balance of $1398.47, I am willing to pay this balance left on the principle only. Please contact me via email only to set up payment arrangements that we can agree upon.

Here is what you say

Dear CashCall,

I am not interested in screwing around back and fourth with you. And before you tell me I do not dictate the terms of my loan, I can tell you that in fact I do dictate them when you choose to service illegal debt. I am willing to repay the principal balance of the loan (state how, debit card, money order, etc) over (6 months or something, whatever you choose). The condition of me repaying the balance is that you must delete your tradeline from my credit report upon paying off the account. If you do not want to accept the principal and my terms, that's fine. You won't get another cent from me and I will just fight the bureaus to delete you from my report. Your choice. I don't have the time to mess around with you so either take my money and delete or charge me off to a third party.

Best Regards,

Newly Educated Consumer

The only two emails I have received from so far are a [email]Do.Not.Reply@cashcall.com[/email] and a [email]info@cashcall.com[/email], should I wait for them to respond to me or just send out know to the person you stated and us the other woman's Jeans name as an email address? Please let me know your thoughts.. How long can I take to pay this off?

The only thing I have gotten from Plain Green and Great Plains so far is the generic email acknowledging that they have received the email from me and will respond in 24 hours. and then this morning I got their reminder notices that my payments are due in 3 days, I am guessing that they are random generated. I will update today if get any further contact.

While I have not heard back from either of them via email, I did log in to see what was there if anything and both of them are showing the same message on the start page.
Your PlainGreenLoans/ Great Plains account is currently flagged as having an invalid bank account number. Without a valid bank account number, we are unable to electronically process your payments or refinance.
Please contact Account Services toll free at (866) 614-7103 to update your bank information and have this flag removed or to make other payment arrangements.
Once we have updated your PlainGreenLoans/ Great Plains account information you can return here and process a payment.
Guess that is a start in the right direction.

[email]Jean.Kohles@cashcall.com[/email]

I know that I need to send the email that waffles states to the 2 people from WS/CC - Will be doing that in the morning. Should I send another email to PG and GP demanding my refund again as well or given them a few days, I know that they have noted that my account information is invalid - but I have heard nothing else from them..

I'm glad to see that you're taking these steps to confront these jerk offs. It's something that too many of us don't realize is happening to us until after we've overpaid for something that wasn't supposed to be happening in the 1st place. I'd prefer a payday loan free environment on the internet and as far as store-front places go, as long as they're doing what's legal and right, I have no problems with them as much. I'd like a payday loan free country but I do realize that sometimes people need money right then and can't get it anywhere else including from family or friends.

I posted an official thread on the replies from the illegal lenders but after typing everything, it said moderator has to approve it. So check mine out once it pops up. Keep up with the work and updates!

This I sent Jean Kohles and cc'd Elissa Chavez today, now to see what kind of response I will get.

Dear Western Sky/ CashCall,

I am not interested in messing around back and fourth with you. And before you tell me I do not dictate the terms of my loan, I can tell you that in fact I do dictate them when you choose to service illegal debt. I am willing to repay the principal balance of the loan, the balance I show is $1398.47, I will only entertain mailing these payments to you via money order, so please supply me with an address to mail payments to, payment timeline still to be determined. The condition of me repaying the balance is that you must delete your tradeline from my credit report upon paying off the account. If you do not want to accept the principal and my terms, that's fine. You won't get another cent from me and I will just fight the bureaus to delete you from my report. Your choice. I don't have the time to mess around with you so either take my money and delete 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.

Best Regards,

Newly Educated Consumer

From: [email]Elissa.Chavez@cashcall.com[/email]
To:
Subject: RE: Per Your Request
Date: Thu, 4 Oct 2012 23:27:19 +0000

Where did you get my email address?


Sincerely,

Elissa Chavez
Director of Fraud Prevention
(949) 752-4630- Direct
(949) 313-9230- Fraud Dept./General Fraud Questions
(866) 590-2274, ext. 4630- Toll-Free

"That's not your concern, do you want the 1300 dollars or no?"

Sorry Waffles didn't see your response first - This is how I replied.

Ms. Chavez,

I don't remember who, I just remember that someone told me I should copy you on all responses, should I have not? I'm only trying to take care of my principle balance.


\

Waffles - Do you think I should resend the emails or to some effect to PG and GP's demanding that they send me PIF's and my refunds I have heard nothing from them at all as of yet.

Hey Waffles any chance you can edit my name out of that last post by me?
Thanks,

Sure... your name has been removed.

Please stop stressing out so much about this. You really need to take a rest or something. As we have told you these lenders can take weeks to respond to you. I have heard plain green taking 2-3 weeks to write back before. As for cashcall you are doing everything correctly.

I'll try to relax -- yes I know that is do, not try...need to keep the ulcer at bay -

On a good note: one of my store fronts is going nicely, I think I am going to basically let it default in a few weeks, but because I called them and worked out a plan in advance they are being nice about and not really going to add any of the extra that they can do.. They have agreed to let me pay $100 for the next 3 months and then in Feb when I am ready to pay off in full, they are going to offer me a reduced balance as a settlement...

As of this morning I went ahead and re emailed Plain Green and Great Plains, because they were stupid enough to send me a reminder email for my upcoming payment that is not even due until the 8th, telling me that they will be ACHing tomorrow.. I reminded them that I had already revoked there ACH privileges in a previous email that I know they received and that I was merely awaiting when I could expect me refund for over payment. I included the same original message as well.

Now as I have been told to do I will stop stressing and wait to see what comes in from them next. I will post updates as they come in . on both the internet and storefront ones. I will be dealing with another of the storefront ones next week.. Need to take a break in between..

The following is the newest response from Plain Green today -- I wanted to get your opinion on how I should react. My paperwork shows I had two loans the first for $800.00 which I repaid $ $2340.29 - so an over payment of $1540.39, then second loan of $800.00 I repaid $$262.50 before I got smart and found this website to know that these are illegal loans. So, a principle balance of $537.50 - less the over payment already of $1540.39 -- still leaves me a balance of $1002.89 that should be refunded to me... Just not sure how to respond to them to get that across that they need to apply the two together...



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 Ms. :

Your correspondence has been directed to me for review and I thank you for the opportunity to assist you at this time.

We understand that all situations are different and would like to offer you the opportunity to pay the remaining principal in the amount of $537.50. We will accept five (5) monthly payments in the amount of $107.50, beginning October 30, 2012 and monthly thereafter. Payments made on prior loans were paid according to the contracted rate and will not be applied to this loan.

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.

Please reply if you would like to accept this settlement and set up payment arrangements.



Plain Green Loans Account Services
[email]accountservices@plaingreenloans.com[/email]
866-420-7158
877-848-8704 FAX
8 a.m. - 10 p.m. ET, Monday - Friday
9 a.m. - 5 p.m. ET, Saturday

Plain Green Loans
Account Services
93 Mack Road, Suite 600
PO Box 270
Box Elder, MT 59521

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.

You should definitely add your previous payment to show them you have overpaid for $1002.89.

I have a relatively easy dealing with Plain Green Loan because I reminded them even though I DID NOT mention the previous loans (3 in the past) that have been repaid, I still overpaid them and I DO NOT ASK FOR A REFUND.

For your case, maybe you can waive your demand for refund in return to get a PIF.

Forget the refund. Tell them you are willing to close the matter if they mark you paid in full.

OK, I will send them just a simple email today requesting that they mark the account paid in full.

would it be OK to say something like, I am willing to not pursue a refund in this matter if you are willing to mark this account paid in full? or is there a better way to word it?

Just got this email from Great Plains today and I am locked out of logging in online.

Dear K:

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 collection activity.

I will be sending them a follow up email asking if this mean that the account is paid in full, so that I can put them to bed... Yeah for me, one down...

Have not heard any thing else from Cash Call since the how did you get my email response..

Will also send out another email to Plain Green saying that for a paid in full will forgo pursuing a refund for over payment.

yes that works

Current Updates:
Plain Green coming back with I still owe $537.50 which is the principle on the current loan amazingly - which I rejected and told them they need to look at the over payment of $1002.89, between the two loans and mark both as paid in full.

Great Plains sent me the email: 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 collection activity. -- I in turn sent them and email requesting that I have a PIF and statement sent to me stating zero balance, they came back with we can't seem to find you we need this information, it was stuff I knew they already had on file so I am playing along for now, we'll see if I hear back or not.

Cash Call - nothing other than the how did you get my email from Ms. Chavez and my reply of I was told by someone that I should copy you on everything, should I not reminding her that I am just trying to pay my principle balance -- of course not additional reply and that was last week like mid week.

Local loans,
1 Stop - agreed to not send my ACH or Check through next week on the 22nd. Let me pay $100 for Nov, Dec, and Jan and then they are going to offer me a reduced settlement in Feb to get paid off.. which works for me..

Ace Cash Express - I emailed them the EFT/ ACH revoke yesterday, I used EFT since that is the term on their contract. - I know they received it and even spoke with a very honestly helpful customer service rep that told me to just mail the other copy as back up and that I should call today to make sure that they have processed it.

I have a few other locals to deal with, will be making some phone calls today to see how to best proceed with them

Just got response back from ACE Cash Express Local lender...

Same basic terms as 1 stop:

Per your request we have stopped your EFT/ACH transactions and your case number is xxxxxxx. Balance is 1787.59
November 100.00???ptp date 11/30
December 100.00 ??? ptp date 12/31
January 100.00 ??? ptp date 1/31
Balance in Full 2/15/ 2012 1487.59
If one payment is missed your balance will be due in full.

I go this message from Plain Green this morning which I believe is just a generic hey you owe us:
Your Plain Green loan is PAST DUE and we???d like to help you make your payment today.
There are three easy ways to clear this up and bring your account up to date.
1. Log on to "My Account" to select your payment option
2. Call us toll free at (866) 614-7103
3. Email [email]accounts@PlainGreenLoans.com[/email] with your intention for alternate payment options
Just a reminder that, late, missed or defaulted payments may limit your ability to receive future Plain Green loans.
We sincerely would like to keep this from happening. So please contact us today.
Thanks for your cooperation.
Plain Green Loans Account Services
I did find it kind of funny that their only threat was: Just a reminder that, late, missed or defaulted payments may limit your ability to receive future Plain Green loans. Really like I care...
Yesterday - I had received the email from Plain Green stating I still owe $537.50 which is the principle on the current loan, amazingly. Then asking me to Please reply if you would like to accept this settlement and set up payment arrangements. - which I rejected and told them they need to look at the over payment of $1002.89, between the two loans and mark both as paid in full.
Any input on if I should do anything else or wait to see if they respond to the email reply from yesterday?
Haven't heard anything else from Great Plains or WS/CC - so I am guessing that is a waiting game... At least I will not get calls.. changed my numbers (all to include work and references. LOL) in their system prior to sending out ACH revoke letters.. and my new home number is unlisted...

Forget it... It's not worth the stress anymore

Screw em'. Move on. Don't sit there and worry and stress over it because it's not worth it. Do what I do and take your time and relax. I used to stress so bad over this stuff and it created arguments within my marriage all the time but not anymore. Once I showed and explained to my wife how these things are illegal, how much we overpaid, the laws, etc, etc. We are much better off now already. This website is mainly why too!:cool:

It took me about a week to hear from Plain Green. I made sure I sent the email to them about 10 days before my next payment was due. I told them that I've always maintained a satisfactory account status thru several loans with ThinkCash and Plain green and that I'd forego refund attempts (approx $300) for a PIF.

Honestly, if your account is secure and they can't get any money from you, you shouldn't worry about it. They'll keep making empty threats. However, if you would feel better by just having a PIF, keep sending emails requesting a PIF...screw the refund.

Newest response from Plain Green:
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 [email]accounts@PlainGreenLoans.com[/email].

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.

Funny I have sent them an email everyday - so it is not like I am not trying to communicate with them -- Any suggestions? Not worried - just wondering where I should proceed?

this afternoons email from Plain Green:
Our offer stands as outlined in our correspondence to you on 10/7/2012. below previous email from them .
Our address is listed below for payments.
We understand that all situations are different and would like to offer you the opportunity to pay the remaining principal in the amount of $537.50. We will accept five (5) monthly payments in the amount of $107.50, beginning October 30, 2012 and monthly thereafter. Payments made on prior loans were paid according to the contracted rate and will not be applied to this loan.
I don't believe that I owe them any thing since I over paid on the first loan by over a $1000 dollars. Any insight on where to go next with this will be appreciated.. or do I just wait to see if they send to collection?

Now on a positive note Great Plains, I called them to follow-up and they have my account blocked, closed and at a 0 balance the young lady stated for legal reasons.. interesting huh?

Draft of the letter I am going to resend to Cash Call/ Western Sky:
Please give me your thoughts -- I will not send until tomorrow.. I will be coping J. Knowles and E. Chavez-- This will probably be the letter I repeatedly send until they agree or charge off.

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 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 remain revoked.

Best Regards,
K

"legal reasons..." what a joke. At least it's taken care of now.

It's jean KOHLES by the way, not knowles. They will try to fight you for like a month back and fourth then theyll give up and send you to the legal department to do the payment plan.

fingers over rode the brain I have the name right in my email!

I will send out today - How often do you think I should send it, if no response?

Any suggestions on how to deal with Plain Green - I sent a email out yesterday - no response back yet, we'll see - Thy are still saying like $537 owed on current - even though with both loans have over payment of $1002.... I am not going to fold..

Aren't great plains and plain green affiliated?
If Great Plains gave you a PIF and Plain Green has not, I would just send them a copy of what Great Plains said and tell them they need to go the route of their affiliate.

Great Plains and Plain Green aren't affiliated, that I'm aware of.

Where did you get that information?

The page log in's are identical. Much like The Vip Loan shop and Everest who are managed by the same 'lender'.

They are both tribal, both quote the same spill as far as being tribal, one says missouri the other montana.

Also, they both use the same generic email messages and have the same customer support.

May just be a fluke or coincidence but they certainly appear affiliated.

Wouldn't let me edit my post even though it says I can...

But the other thing is, when you open both up in separate tabs, look at the little pictures beside their names, identical accept one says pg and the other gpl.

It just appears as if they are being run by the same people.

Much like efinance runs Everest and The VIP loan shop.

They're different tribes in different states.

What you're talking about only implies they're using the same software and/or web designs.

I do believe just a coincidence that they look so much alike..
Plain Green is the Chippewa Cree Tribe of the Rocky Boy's Indian Reservation Montana
Great Plains is the Oteo-Missouria Tribe of Indians -supposedly a federally recognized Indian Tribe, they state..

You are probably right but they certainly use the same email templates for sure.

Both plain green and great plains, when you log in after you send the ach removal, they say you have invalid bank information.

Both send the same emails identical about payments or when you don't make a payment.

Maybe one just copied the other in what they do and do the identical same.

Who knows, they are both illegal either way.

I don't think they're the same company but they are probably 'in cahoots'

I sent this email to Plain Green yesterday - to [email]shteam@plaingreen.com[/email]

Below are the emails that have went back and forth with your company. I was told by someone that you may be able to help me with this matter. So I am putting all in one email in the hopes of resolving this matter.
It has recently come to my attention that in the State of Arizona, USA, Plain Green Loans is not licensed to offer loan products to its residents, thereby making it illegal to do so. 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 Plain Green Loans. Prior to this discovery I had been a good customer -was never late, had paid off one loan and was allowed to borrow a 2nd time.
Because of this relationship, I have am requesting that my account be marked as paid in full, and that the account be closed from any further collection. With the two loans that I have with your company: To date, I received 2 deposits of $800 each, one on 11/15/2011 for one on 8/10/2012, and have had 17 bi-weekly withdrawals of $130.57 , 1 withdrawal of $120.70 and then 2 more bi-weekly withdrawals of 131.25 debited from my account. This resulted in an over payment of $1002.89 .
Although I feel that I am entitled to a refund in the amount of $1002.89, I am willing to make Plain Green Loans a good faith offer. I will forego all efforts to seek a refund of$1002.89 in exchange for Plain Green Loans considering my account paid in full, thereby dissolving our relationship amicably. As I said earlier, I simply no longer wish to do business with Plain Green Loans.
As previously stated, in original email dated 10/2/2012: I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my state Attorney General's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment, my home or cell telephone number. I also prohibit you from calling my references listed on my loan.
Thank you for your assistance in this matter,
followed by the email trail back and forth over the last week..

While I have received no response back from them - I went to check the website this morning and can't log in, it says user name incorrect... Not sure what this means since I haven't heard back from them after I sent this email. Any Ideas?

It's pretty common for them to block your access to your account once they've been put on notice. No worries.

So do you think I will hear anything back from them - up to now it has been you still owe us $537 and some change - even though with both loans I had with them I paid an over payment of like $1002.00 -- or now that they have blocked me from my account - I can't really pay them... so do you think I won this one???

Still no response of any kind from CC/WS after I sent them the last email highlighted in post above..

You may not hear back from them.

As long as they aren't trying to get at your money or reporting on your credit report, I wouldn't worry about it.