Soverign, Ace & White Hills - PDL- Need Advice Drowning

All of these lenders are illegal. Ohio requires that all internet lenders be located in and licensed by Ohio. You should probably pay your principal balance (initial loan amount) on all of them. In the case of White Hills Cash you can ask for a refund since you have overpaid, whether or not you actually get it is a different story. Follow the steps in this link: http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html

Ace Cash Advance/Express is more than likely legal - was it online or a store front? You can call their corporate office and let them know that you need to work out a payment plan - they may force you into collection but they will work with you..
Sovereign Advance - is a tribal lender - more than likely not licensed to lend in Ohio
White Hills Cash - is a tribal lender - more than likely not licensed to lend in Ohio - follow this link on how to deal with them: http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallende...

Please try not to double post - it makes it hard to get the correct information to you.. I have removed your other posting so that it will try to keep all in one area for you..

Thank you so much. Sorry for the double post, I thought one of the two didnt post so I did another post. I appreciate the information.

No problem, I just removed the other! Keep us posted on your progress - glad to help!

White Hills Cash response, doesnt look like they are refunding me the excess I paid but they are considering the account paid. What do you think?

We are in receipt of your email/ letter 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.



Island Finance, LLC dba White Hills Cash (the “Company”) is a wholly owned and operated entity of the Fort Belknap Indian Community (the “Tribe”) on the Fort Belknap Reservation of Montana (the “Reservation”). The Company is wholly owned by the Tribe, was established for the Tribe’s economic benefit, and is organized under and operates pursuant to Tribal law. As an economic arm of the tribe, the Company shares the Tribe’s sovereign immunity and, therefore, is not subject to the state enforcement actions described in your letter.



The Fort Belknap Indian Community is a federally-recognized Indian tribe and a sovereign nation, as expressly recognized under federal law. See 75 Fed. Reg. 60,810, 60,811. As such, White Hills Cash conducts its business under all applicable Federal laws and the laws of the Fort Belknap Tribe. Furthermore, we can attest that our Tribal lending business does not engage in excessive or abusive collection practices. We diligently work with our customers to resolve any inquiries and issues that have been brought to our attention in a timely manner.



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. As a courtesy to you, we will accept your payments up to date to satisfy your principal loan amount and all finance fees incurred with respect to your loan. This means that, as per your request, we are now regarding your loan as completely settled and we will not seek additional payments from you or further collect on monies owed under the terms of your Loan Agreement. However, the terms of your contract will stand and we will not be refunding any payments to you. This is a settlement and will be reported as one. You will no longer be able to borrow money from White Hills Cash or any other loan entity. We hope this compromise is satisfactory. We appreciate your business

I am still waiting to hear from Sovereign. I am wondering if Ace Cash is a legal company in state of Ohio. I took that one out online but my understanding is that if they have a storefront store it is legal is that true?

Thanks in Advance

Yes! if they have a storefront in the state of Ohio it is legal

From what I read, White Hills Cash is paid. Print that message and keep in safe place for future use if needed.

Great News - print and keep in a safe place -- you can keep asking for a refund - you may or may not get one.. .