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Great Plains Lending- Please Help

Submitted by xtina on Tue, 04/16/2013 - 13:43
Posts: 16
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I live in California.

I took out a loan with Great Plains Lending in March 2013 for emergency dental work. Like many others, I am struggling to make the payments and its impossible for me to pay off the principle when it keeps increasing by the $100's! I felt like I was suffocating until I found this website. While doing some research, I found that this lender is not legal. I fully intend on paying back the principle balance owed but I had a few questions.

I previously took out a loan with Great Plains Lending in Oct 2012 and paid it back in full. $600 loan-total paid back $1332.74-
$732.74 paid in interest.

On my current loan, I have paid back $293.80 (of the $1000 borrowed).

$732.74 (finance charges old loan) + $293.80 (paid on current loan) = $1026.54.

In my letter to GPL can I reference the old fee's paid and request that my current loan be documented as paid in full?

Also, can this be reported on my credit?


Great Plains is an unlicensed tribal lender. You owe principal only...no fees, no interest. You are paid in full...follow the link in my signature line for information and steps to follow in dealing with illegal lenders,


Submitted by SOAPLADY on Tue, 04/16/2013 - 14:12

SOAPLADY

( Posts: 17315 | Credits: )


And more like this between two loans borrowed - $1600.00 - total paid $1626.54 = so you have over paid by $26.54... you could ask for a refund.. follow the link in SOAPLADY's and my own signature on how to deal with.. and I have not had them report on my credit..


Submitted by HelpinAZ on Tue, 04/16/2013 - 14:18

HelpinAZ

( Posts: 1870 | Credits: )


You both are absolutely fabulous and I GREATLY appreciate your responses. Here is the letter I have drafted to GPL. My next payment isnt due until May 1st, so I have some wiggle room to work on closing my account with BofA.

Any feedback on my letter would be hugely appreciated. =)

Attention:
Great Plains Lending
1050 East 2nd Street Box 500
Edmond, Oklahoma 73034

Re: Account xxxx

After researching Internet payday loan laws in the State of California, I have found that your Internet payday loan activity is actually illegal. I have also learned the following laws apply to payday loans in the State of California in general,
California State Information
Legal Status: Legal
Citation:
Cal. Fin. Code §§ 23000 to 23106
Loan Terms:
Maximum Loan Amount: $300
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 loan: $17.65
APR for 14-day $100 loan: 459%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot charge fee for extension)
Cooling-off Period: None
Repayment Plan: Voluntary (no fees may be charged in conjunction with payment plan)
Collection Limits:
Collection Fees: $15 NSF fee
Criminal Action: Prohibited
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 Bank of America to protect my interest in this matter, per instructions from the California Department of Finance. 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 part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.

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

Due to the fact that Internet payday loan lenders must be licensed in the state of California to be a legal and binding contract, your company should NOT issue loans to California residents at all. I am requesting that you send me your license number which enables you to offer loans to California residents.

The legal amount that could have been charged to my loan is the principal amount, even if your Internet payday loan were legal anywhere in the U.S. I am willing to pay the principle amount of the loan only, which you will see I already have. To date, I received a deposit of $1000.00 on 3/6/2013 and have had bi-weekly withdrawals totaling $293.80 debited from my account. On my previous loan with your company (#XA) I paid back a total of $1332.74 on a $600.00 loan resulting in a $732.74 overpayment, which is illegal.

To satisfy the $706.20 still owed on the principle, I am demanding that the $732.74 overpayment from loan #XA be applied to the principle of loan #XB and that the remaining $26.54 be refunded to me as soon as possible.

I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and the California Attorney General Office.

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.

Sincerely,


Xtina

CC:
Better Business Bureau
California Attorney General
Federal Trade Commission


907. Preauthorized transfers
(a) A preauthorized electronic fund transfer from a consumer's account may be authorized by the consumer only in writing, and a copy of such authorization shall be provided to the consumer when made. A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution orally or in writing at any time up to three business days preceding the scheduled date of such transfer. The financial institution may require written confirmation to be provided to it within fourteen days of an oral notification if, when the oral notification is made, the consumer is advised of such requirement and the address to which such confirmation should be sent.
(b) In the case of preauthorized transfers from a consumer's account to the same person which may vary in amount, the financial institution or designated payee shall, prior to each transfer, provide reasonable advance notice to the consumer, in accordance with regulations of the Board, of the amount to be transferred and the scheduled date of the transfer.
[Codified to 15 U.S.C. 1693e]


Submitted by xtina on Tue, 04/16/2013 - 14:36

xtina

( Posts: 16 | Credits: )


They know the law so no reason to quote all that... Just stating that they are not licensed to lend in CA should be enough. I would not tell them that you closed your account, but that you have provided copies of the revocation of the ACH authorization to the bank... and they really already know the law on reg e - preauthorized transfers.

I emailed to them straight from their own contact page - just cut and pasted right into the message - got an email back right away from them showing that they had gotten.. they will argue - you will stick to your guns and we will be here to help..

I'm going to copy in what I sent them back in Oct:
Great Plains Lending, Reference #xxxxxxxx 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. 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 over-payment 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 over-payment. 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.


Submitted by HelpinAZ on Tue, 04/16/2013 - 14:45

HelpinAZ

( Posts: 1870 | Credits: )


I closed my bank account with BofA last week and sent the ACH letter to Great Plains Lending yesterday morning. This morning I received this email:
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 :

Your correspondence has been directed to me for review.

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 current principal balance remains at $706.20. If you wish to pay this to settle your account, please reply to this email to set up a mutually agreeable payment plan. We are willing to divide this principal amount into six (6) monthly payments in the amount of $117.70 , payable beginning May 15, 2013 and monthly thereafter.

Great Plains Lending

Great Plains Lending Account Services
accountservices@greatplainslending.com
877-836-1505
877-520-7965 FAX
8 a.m. - 10 p.m. ET, Monday - Friday
9 a.m. - 5 p.m. ET, Saturday

Great Plains Lending
1050 East 2nd Street, Box 500
Edmond, Oklahoma 73034

How should I respond to this??? I overpaid on a previous loan I had with GPL. I stated this in my email and I asked for the overpayment to be applied to the current balance owed (which would result in them owing me roughly $27.00). Any and all help is appreciated. Thank you!!


Submitted by xtina on Tue, 04/30/2013 - 09:58

xtina

( Posts: 16 | Credits: )


You should restate that you are only legally responsible to pay back the principal since they are illegal in your state. Tell them you are deducting the overpayment from the first loan to apply to the principal of the 2nd loan thus you owe them nothing.

I had the same problem with another PDL lender. They kept sending me the same e-mails daily, and I kept responding with the same answer. After about 3 months, they gave up.
Should they turn your account over to a collection agency, send the same correspondence.

Good luck, Be patient and you will prevail. and don't take out any more PDLs. It took me 3 years to get out of PDL Hell.


Submitted by aubrey on Tue, 04/30/2013 - 10:23

aubrey

( Posts: 1203 | Credits: )


Yes, I have learned a very valuable lesson and luckily, this is the only PDL I have to deal with. =)

This is a letter I have drafted to the email response from GPL-
Dear Great Plains.

This is an attempt to communicate with an illegal tribal payday lender. Any information obtained will be used for that purpose.

I would like to put a request in to have my account marked paid in full and a refund issued in the amount of $26.54 mailed to the address provided on my account for over payment. This is the over payment I made on both loans I have had with your company. I am not entitled to pay anything as online payday lenders are illegal in my state however, I would just like the fees I paid to be refunded to me and my account marked as paid in full.

Loan #70746242:
Borrowed amount: $600.00
Total amount paid back: $1332.74
Overpayment of: $732.74

Loan #71310498:
Borrowed amount: $1000.00
Total amount paid back: $293.80
Principle amount remaining: $706.20

The overpayment of $732.74 needs to be applied to the principle balance owed and a refund in the amount of $26.54 needs to be processed ASAP.

I am not a member of your tribe and I do not live on your reservation. I am not subject to your laws. According to the law of MY state, the loan contract is null and void. If you send me to collections, I will cease and desist the collection agency, which is my right under US Federal Law. If you report me to the credit bureaus, I will dispute that under the FCRA, also Federal Law as a invalid, dirty contract.

I just wanted to get someone opinion before sending it. Thank you for your assistance!!


Submitted by xtina on Tue, 04/30/2013 - 10:30

xtina

( Posts: 16 | Credits: )


Looks OK - I sent the same kind of email to Plain Green in Oct - They asked a few more times for payment on the second loan - it was when I sent them this - Haven't heard a word since -
" Dear Plain Green,
Do yourself a favor and mark my account paid in full. I am not paying you another cent - you owe me a refund of $1002.89, that I have paid on my loans with you. If you charge me off to collections I will not hesitate to not only cease and desist them, but make them aware that I informed you I am aware of the illegality of the debt and the fact that I will not be paying any remaining balance and that you in fact owe me a refund again for $1002.89. Cut the crap and save yourself the time.
You lost this one, I know that you are illegal to loan in the state I live in.
Love,
Your past customer "


Submitted by HelpinAZ on Tue, 04/30/2013 - 12:53

HelpinAZ

( Posts: 1870 | Credits: )


That is a terrific response... I will use that one if I hear from them again!!! They havent responded since I emailed them my response and I can still log into my account- it just says the account has been flagged for invalid account and to call them to make a payment.


Submitted by xtina on Wed, 05/01/2013 - 11:45

xtina

( Posts: 16 | Credits: )


When you emailed them the ACH revocation letter you should have gotten a generic email response back saying they got it did you at least get that.. if not you may want to resent to them here is the email I have for them - support@greatplainslending.com


Submitted by HelpinAZ on Wed, 05/01/2013 - 12:20

HelpinAZ

( Posts: 1870 | Credits: )


OK so I received this email last night and this morning. I happily responded back with the paragraph you posted above. =)

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 :

Your response to the settlement offer provided April 30, 2013 has been directed to me for review.

The offer previously provided to repay the remaining principal balance of your current loan remains available. Payments made on prior loans were at the contracted rate and will not be applied to your current loan.

For your convenience I have listed the previous offer below for your review:

· The principal balance of your loan is $706.20.
· Paid back in six (6) payment(s) in the amount of $117.70 each
· Payments due May 15, 2013 and then monthly thereafter

If you would like to take advantage of this settlement offer please respond to this email indicating your acceptance of the terms provided above.

Thank you for the opportunity to respond.

Great Plains Lending

Great Plains Lending Account Services
accountservices@greatplainslending.com
877-836-1505
877-520-7965 FAX
8 a.m. - 10 p.m. ET, Monday - Friday
9 a.m. - 5 p.m. ET, Saturday

Great Plains Lending
1050 East 2nd Street, Box 500
Edmond, Oklahoma 73034


Submitted by xtina on Fri, 05/03/2013 - 08:41

xtina

( Posts: 16 | Credits: )


I would imagine that they won't go away. They will probably turn you over to a collection agency. I would expect to get calls. I know they are illegal but there are illegal collection agencies out there too and they will call. So better get yourself ready!


Submitted by on Fri, 05/03/2013 - 11:34

( Posts: 202330 | Credits: )


they jusy don't get it.you pay when you are able.they just loves to act like they are still in control when they know they are not.btw any CA,orDB can be C&D.


Submitted by paulmergel on Fri, 05/03/2013 - 12:07

paulmergel

( Posts: 15514 | Credits: )


This looks fabulous. The only thing different that I would do is make a claim with the California Dept of Corporations. (They are the ones who actually go after illegal lenders in CA, not the AG). Based on my personal experience with them, they will send you a form to fill out, which you send back to them in Sacramento. You will get an email with a case number and will probably be contacted by an attorney, which I did in my situation. I would also stress that you went to the Dept of Corporations website, saw they were NOT licensed and proceeded. You also might want to check and see if there are any Cease and Desist orders against them--and if there are, that would be very interesting to them, since I got a loan offer from them in the mail, and I am also a California resident. The best of luck and keep fighting!


Submitted by kscornell on Sat, 05/04/2013 - 11:57

kscornell

( Posts: 4407 | Credits: )


Dear Christina,

Your Great Plains loan account is now SERIOUSLY PAST DUE. We’ve made every attempt to contact you with regards to your account and we’re still willing to work with you to discuss payment options. But you need to call us. Today.

Please call us immediately at 877-836-1505 or email accounts@greatplainslending.com. If you don’t contact us, we may be forced to consider additional collections activity.

We want to help you get back on track to pay off your loan.

Thank you for your cooperation.

Great Plains Account Services
accounts@greatplainslending.com
877-836-1505
877-520-7965 FAX
8 a.m. - 10 p.m. ET, Monday - Friday
9 a.m. - 5 p.m. ET, Saturday

Great Plains Lending
Account Services
1050 East 2nd Street, Box 500
Edmond, Oklahoma 73034


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.

(CA Residents Only)
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or ftc.gov.

Privileged and Confidential: This e-mail, and any attachments thereto, are 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 us 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.


Submitted by on Thu, 05/16/2013 - 09:39

( Posts: 202330 | Credits: )


Sorry I was unable to log in earlier, had to request a new password. But this is the response (see above) I got from GPL last night. I have continued to send the generic responses I posted above but so far have no resolution. Any advice on where to go from here?


Submitted by xtina on Thu, 05/16/2013 - 09:48

xtina

( Posts: 16 | Credits: )


just keep resending the email.they should get the message soon enough.


Submitted by paulmergel on Thu, 05/16/2013 - 10:13

paulmergel

( Posts: 15514 | Credits: )


From what I am reading above your loans with Great Plains - total borrowed is $1600 between the two loans you borrowed.. and you paid back between the two loans a total of $1626.54... So they owe you a refund of $26.54

I would send them this and be done:
" Dear Great Plains - in reference to account number XXXXX,
Do yourself a favor and mark my account paid in full. I am not paying you another cent - you owe me a refund of $26.54, that I have paid on my loans with you. If you charge me off to collections I will not hesitate to not only cease and desist them, but make them aware that I informed you I am aware of the illegality of the debt and the fact that I will not be paying any remaining balance and that you in fact owe me a refund again for $26.54. Cut the crap and save yourself the time.
You lost this one, I know that you are illegal to loan in the state I live in.
Love,
Your past customer and your name "


Submitted by HelpinAZ on Thu, 05/16/2013 - 14:59

HelpinAZ

( Posts: 1870 | Credits: )


So I think GPL sold my account off to a creditor and they reported it to my credit. I received an alert on my credit stating I had a derogatory mark (mind you I have been working very hard to keep my credit in good standing). I checked the alert and it states $971.00 from Southwest Collection Serv. No # provided. I cant think of any other debt that could possibly be reported to my credit, so im 99.9% sure this is the act of GPL. Any advice?


Submitted by xtina on Mon, 06/10/2013 - 08:56

xtina

( Posts: 16 | Credits: )


i had a junk ass collector report an illegal debt on my CR.i disputed it remarking it was an illegal debt that my AG was working on.it was deleted with a note to not allow further listing.so dispute the debt asap.


Submitted by paulmergel on Mon, 06/10/2013 - 10:50

paulmergel

( Posts: 15514 | Credits: )


I will be working on it today for sure. I never filed anything with AG, is it to late? I have been majorly stressing over this being put on my credit report. I have worked VERY hard to maintain good standing with my credit following a bankruptcy 1.5 years ago, needless to say- this is devastating.


Submitted by xtina on Mon, 06/10/2013 - 11:12

xtina

( Posts: 16 | Credits: )


it's never too late,but i thought you did that already.well file the complaints then dispute it.the junk ass collector reporting the illegal loans was on my report for 2 months before i caught it,and it was deleted within 1 week.


Submitted by paulmergel on Mon, 06/10/2013 - 11:37

paulmergel

( Posts: 15514 | Credits: )


I started the process but lost focus and forgot (stupid I know). A couple more questions and then I will finalize everything....
The dept of corp complaint form asks for all relevant paperwork (copy of loan, emails between lender etc) do I send everything? Including the emails I sent them requesting that my account be closed and paid in full?


Submitted by xtina on Mon, 06/10/2013 - 11:48

xtina

( Posts: 16 | Credits: )


Ok SOOO the ding on my credit was a C.A from a VERY old furniture account I had almost 9 years ago. Needless to say, I contacted the appropriate bureaus and received a letter from the C.A apologizing and that they were not aware of my BK filing.

BUT today I received a voicemail on my WORK PHONE from a collection agency stating that there is a civic case against me and I need to call them within 48 hours regarding a restraining order blah blah... #727-202-1062. Now I realize these people are a major joke but im pretty sure its on behalf of Great Plains Lending because I tried logging into my account with them and now it states
We're Sorry,
We are unable to process your login at this time. Please contact a customer service representative for details at support@greatplainslending.com.

As far as the C.A goes, how can I get them to stop calling my work phone?


Submitted by xtina on Thu, 06/27/2013 - 13:38

xtina

( Posts: 16 | Credits: )


there really isn't anything except to either ignore completely,or hang up without a word when you know it's them.tell them once you are not to be called at work.then file a police report as that is illegal.


Submitted by paulmergel on Thu, 06/27/2013 - 14:09

paulmergel

( Posts: 15514 | Credits: )


No they didn't state their name. This is the message that was left on my work VM "This is the civil investigations unit. We are contacting you pursuant to a claim being filed against you. You have been named a respondent to a court action and must appear. You or your attorney will have 24-48 hours to respond. The affidavit number is XXX-XXXX. Call 727-720-1062."


Submitted by xtina on Thu, 06/27/2013 - 14:12

xtina

( Posts: 16 | Credits: )


Can any or all of you let me know where you found this information regarding GPL being an illegal PDL in your state? I recently took out a loan and they are attempting to charge me interest as you all stated they were as well. I am happy to follow your examples and draft those letters but I need to know whether those laws or similar laws are relevant for my state as well. I live in Delaware and while I know PDL's are legal here, I am not sure if online lenders are considered illegal in the state. Please advise and thanks very much! I have a payment due in on July 8 so any kind of help would be greatly appreciated!


Submitted by on Tue, 07/02/2013 - 16:18

( Posts: 202330 | Credits: )


Online lenders must be licensed in Delaware. - you can check here to see if they are - Delaware Office of the State Bank Commissioner -- http://banking.delaware.gov/information/nondepsearch.shtml. - Since they are a tribal lender - willing to bet they are not.. follow this link on how to deal with. http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html - all steps in order..


Submitted by HelpinAZ on Tue, 07/02/2013 - 18:27

HelpinAZ

( Posts: 1870 | Credits: )


they are illegal in every state as no tribal lender is legal.


Submitted by paulmergel on Mon, 07/22/2013 - 13:14

paulmergel

( Posts: 15514 | Credits: )


Im on the same situation with this people, on my first loan i finished paying a ridiculous amount of money and the second one, well, i couldn't ... so now a law firm Kramer & Associates is trying to settle this account... should i be worry about this? Can they take over my income tax next year? How this work?


Submitted by on Tue, 07/30/2013 - 17:37

( Posts: 202330 | Credits: )


@ Marilyn - what state are you in. I would send them a C&D - They can't take your taxes, the only thing I have seen taxes offset for is Student Loans, Back Taxes, Child Support, etc... !! They have to take you to court to sue you to do anything and to do that they have to notify you first.. Has Kramer and Associates sent you debt validation? When did you stop paying Great Plains?


Submitted by HelpinAZ on Tue, 07/30/2013 - 18:37

HelpinAZ

( Posts: 1870 | Credits: )


marilyn how much was paid on the first loan?you say a ridiculous amount.how ridiculous.apply the overpayment of the principle on the first loan plus any debits on this loan to this loan.btw tell kramer & assoc to pound sand.i know they are claiming you owe a ridiculous amount and want to settle,or you pay from that.puh-lease.figure out how much over the principle was paid on the first loan,and how much was paid thus far on the this one.that is what you truly owe.not what some bottomfeeder claims you do.


Submitted by paulmergel on Wed, 07/31/2013 - 05:29

paulmergel

( Posts: 15514 | Credits: )


Is Great Plains Lending legal in Ohio? I cant find any website to verify of they are operating legally in Ohio under the Tribal Lender heading


Submitted by on Thu, 08/29/2013 - 03:39

( Posts: 202330 | Credits: )


If you had taken the time to search this forum you would discovered that all tribal loans in the US are considered illegal.

REGISTER WITH THE FORUMS!!!!!!!!!!!!!!!!!!!!


Submitted by SOAPLADY on Thu, 08/29/2013 - 04:50

SOAPLADY

( Posts: 17315 | Credits: )


I am in Alabama. My mom took out a loan the Great Plains (as well as Mobiloans). I did some research and found this forum. It's so full of helpful info. I plan to help her take the right steps in getting out of this. I did call the Alabama Dept. of banking. The lady that handles payday loans says that these tribal loans may be legal. She seems to think they are protected under Federal Law. I did research and it says internet payday loans need an AL license. It also says the max. allowed for AL is 500.00. I also believe you guys because you all have had experience with this.


Submitted by axgntfmldrx on Thu, 08/29/2013 - 10:53

axgntfmldrx

( Posts: 37 | Credits: )


do not rely on the banking dept for info on these lenders.no tribal lender is legal.go to your AG,AND DFI websites instead.the banking dept is full of it!


Submitted by paulmergel on Thu, 08/29/2013 - 10:59

paulmergel

( Posts: 15514 | Credits: )


Both Great Plains and MobiLoans have been blocked by the national ach clearing house pursuant to an investigation by the state of New York. I agree with Paul - most of the people you get on the phone don't know what they are talking about. Go through the process of filing official complaints with the AG's office.


Submitted by momofthree27 on Thu, 08/29/2013 - 11:03

momofthree27

( Posts: 358 | Credits: )


Thank you! That is what I was thinking as she was telling me that. I will do that but I am going to help her follow the steps that you guys suggest to do. She received a letter from Mobiloans last week saying they were not temporarily lending in our state. That is what made us start researching.


Submitted by axgntfmldrx on Thu, 08/29/2013 - 11:05

axgntfmldrx

( Posts: 37 | Credits: )


Thanks to everyone that answered above. We are ready to proceed. Mom is still a little worried about her social security and pension. I told her and I hope I'm corrected. No one can come after her SS or retirement but the US Gov. Am I correct?


Submitted by axgntfmldrx on Mon, 09/02/2013 - 14:16

axgntfmldrx

( Posts: 37 | Credits: )