Help with Payday loan in Pennsylvania
Date: Thu, 10/04/2012 - 08:05
Hi,
I need help and advice figuring out what to do in regards to a company called Blue King.
I sent the following email to Blue King:
Dear Blue King Loans,
It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date I have received $200 and have made one renewal payment of $53 leaving a balance due of $147.00 I am willing to repay $147 balance via payment by phone September 28, 2012
At this time, I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking 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.
Please contact me to set up payment arrangements as outlined above.
I then got this in response:
We would first like to thank you for emailing in regarding your outstanding loan with Blue King. After further review we believe that you may have misunderstood the terms conditions that were presented to you. Therefore, we would like to clarify very important information that you may help you understand the area of concerns expressed by you.
Please be advised that Blue King, Inc. is a tribal lending entity wholly owned by the Picayune Rancheria of the Chukchansi Indians, a sovereign nation recognized by and located within the United States of America. By utilizing our services, you conducted your business with us on the Picayune Rancheria of the Chukchansi Indians and subjected yourself exclusively to the laws and jurisdiction of the Picayune Rancheria of the Chukchansi Indians, a sovereign Native American nation. That being said, Blue King and Picayune Rancheria of the Chukchansi Indians are not subject to the laws of any state of the United States.
A loan agreement was presented to you after the completion of your online application in, August 2012.
Upon receipt of your electronic signature, Blue King funded you a short term loan in the amount of $200.00 on August 23rd, 2012. As part of the terms and conditions that you agreed to, you had the option to make a payment in full or rollover your loan. A payment in full was not made and, as a result, the loan had been extended on August 31st, 2012 as stated in the payment options of the terms and conditions of the loan.
Blue King takes great pride in our customer service therefore; we would like to help you resolve your outstanding balance. We have temporarily placed a hold on the loan to stop additional debits from being processed. We do need to resolve your outstanding loan balance of $253.00 in which you remain obligated to pay, however we will offer a settlement in the amount of $200.00. We will apply the payment made to your outstanding balance and forgive the remaining balance of as a result of any misunderstanding or confusion that you may have had with the terms of the loan.
You will need to mail in one payment in the amount of $200.00 no later than October 15th, 2012. This payment is to be sent in the form of a certified bank check or money order, as we are not set up to take payments in form of a credit or debit card. Upon receiving your last payment, Blue King will consider your loan settled in full.
I need help and advice figuring out what to do in regards to a company called Blue King.
I sent the following email to Blue King:
Dear Blue King Loans,
It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date I have received $200 and have made one renewal payment of $53 leaving a balance due of $147.00 I am willing to repay $147 balance via payment by phone September 28, 2012
At this time, I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking 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.
Please contact me to set up payment arrangements as outlined above.
I then got this in response:
We would first like to thank you for emailing in regarding your outstanding loan with Blue King. After further review we believe that you may have misunderstood the terms conditions that were presented to you. Therefore, we would like to clarify very important information that you may help you understand the area of concerns expressed by you.
Please be advised that Blue King, Inc. is a tribal lending entity wholly owned by the Picayune Rancheria of the Chukchansi Indians, a sovereign nation recognized by and located within the United States of America. By utilizing our services, you conducted your business with us on the Picayune Rancheria of the Chukchansi Indians and subjected yourself exclusively to the laws and jurisdiction of the Picayune Rancheria of the Chukchansi Indians, a sovereign Native American nation. That being said, Blue King and Picayune Rancheria of the Chukchansi Indians are not subject to the laws of any state of the United States.
A loan agreement was presented to you after the completion of your online application in, August 2012.
Upon receipt of your electronic signature, Blue King funded you a short term loan in the amount of $200.00 on August 23rd, 2012. As part of the terms and conditions that you agreed to, you had the option to make a payment in full or rollover your loan. A payment in full was not made and, as a result, the loan had been extended on August 31st, 2012 as stated in the payment options of the terms and conditions of the loan.
Blue King takes great pride in our customer service therefore; we would like to help you resolve your outstanding balance. We have temporarily placed a hold on the loan to stop additional debits from being processed. We do need to resolve your outstanding loan balance of $253.00 in which you remain obligated to pay, however we will offer a settlement in the amount of $200.00. We will apply the payment made to your outstanding balance and forgive the remaining balance of as a result of any misunderstanding or confusion that you may have had with the terms of the loan.
You will need to mail in one payment in the amount of $200.00 no later than October 15th, 2012. This payment is to be sent in the form of a certified bank check or money order, as we are not set up to take payments in form of a credit or debit card. Upon receiving your last payment, Blue King will consider your loan settled in full.
This is typical tribal BS. They are illegal and they know it.
This is typical tribal BS. They are illegal and they know it. Keep sending your email.
Yeah, tribal laws do not trump state and or federal laws in the
Yeah, tribal laws do not trump state and or federal laws in the U.S. These jerks are so used to stealing and breaking the law that they hide behind the tribal crap and use it on us. As we get more educated on these matters, it's harder and harder for them to spew this crap out all the time. Don't send them another dime if they refuse to cooperate with you. Mark it off and move on.