Be clear about Tribal Lenders
Date: Thu, 10/11/2012 - 11:54
I filed complaints with the FTC and the State Attorney General's offices.
I stopped payment on one and changed my debit card to stop the other. I'm going to still change my account.
When I called the Indiana Department of Financial Institutions, they said that these tribal entities are not bound by Indiana law. If they were, then YES they are illegal. Because they are tribal, there is nothing I can do other than change my account. They said they have not heard of any of these tribal lenders going after anyone via court BUT if they did, they could win and garnish my check.
They said this has been an going issue with these tribal lenders. Its a "buyer beware" situation.
I've not heard ANYTHING from One Click Cash. I've sent them approximately 5 emails revoking ACH authorization, wage assignment, and requesting a refund.
United Cash Loans has called my job and my phone. I've told them they will not receive anymore payments. Told them to only communicate with me via email. Both loans have been paid in full. Both owe me a refund.
I think advice needs to be clearer on the site. Unless the person I spoke with was wrong, Tribal lenders can rightfully request payment and seek out full payment through the courts because state and federal laws do not apply.
Please let me know if I'm off base in my comments. Thanks for your assistance.
I'm no lawyer so take what I say as you wish BUT if a place is i
I'm no lawyer so take what I say as you wish BUT if a place is illegally dealing out loans, and you've paid them back already on the principal and even overpaid, and you discover that it's illegal and then you stop any further interest payments, you're in the clear.
Furthermore, what is dirty to begin with can't be made clean later on in these types of cases. An illegal lender suing someone will never net anything and not win because it is in fact dirty, illegal. The courts do not like entertaining these sorts of things based on the fact that there is bit called the Doctrine of Clean Hands. It essentially means don't come to court asking for help if you got dirty hands and expect them to help you. When you do wrong you suffer the consequences of those choices which is why you never hear about people being sued by illegal lenders. Illegal lenders are dirty as hell and if they tried to sue someone in a state or federal court (individual, not state representative or officials) they wouldn't win squat except a disappointing trip back home.
another beauty
first off the advice given about tribal dirtbags is spot on.let's break it down shall we?
1)while state and federal laws don't apply to tribes,tribal law doesn't apply to us either.
2)they never sue in court because they would not have their"immunity"their immunity is only restricted to their tribal ground.
3)the only place tribal law is relevant is on tribal ground.
i understand that weasly politicians don't want to really answer the issue honestly,but tribes have no pull,power,or anything outside of their tribal grounds.nuff said.
The point your state was making is that tribal lenders are immun
The point your state was making is that tribal lenders are immune from state and federal law (not the latter always, not going to explain it here) but as Paul said, we are not bound by their law. You cannot be sued and garnished though; a tribal lender won't come into your state and sue you based on their law..
