I've finally got them out of my account, had to close and open a new one. I've read some of your previous threads, so I sent them a letter much like one you recommended on a previously read thread. This is the response I received...
Your email has been directed to our offices for review and we thank you for the opportunity to assist you with your MobiLoans Account ("Account").
To answer your questions regarding the legality of this line of credit, your Account Agreement indicates that your Account is governed by the laws of the Tunica-Biloxi Tribe of Louisiana, (the "Tribe") a sovereign nation recognized by the United States of America. As such, the laws of the Tribe permit MobiLoans to offer the Account in accordance with Tribal law.
In addition, MobiLoans, LLC ("MobiLoans") is organized under the laws of the Tribe, is owned and operated by the Tribe, and operates exclusively on land owned by the Tribe. As such, MobiLoans is an "arm of the Tribe," and entitled to sovereign immunity and therefore not subject to any state laws.
In any event, our Tribal enterprise strives to provide excellent customer service. Pursuant to your request, we will make no further ACH debits from your bank account. Our records indicate that your account ending in 8348 is 28 days past due, with a balance of $728. Once accounts are 60 days past due, they will charge off and close. Currently, you remain obligated for the amount due on your Account. Please contact our Account Service Team at the number below to make arrangements for the balance that is presently due.
Should you have any questions or additional concerns, you may contact our Account Service Team at the number listed below.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.