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Plain Green Loans help in CA

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Hello, I have an installment loan with PGL which I just found out is not legal in CA and I sent them an ACH Revocation letter that I found on this site on 1/17, didn't hear back, so I resent it on 1/20. They did not attempt to debit my account that I know of on 1/22 (I asked my bank to put a block on them) and just now have been getting random phone calls but no messages but I know its them as I've looked up the phone numbers online. I originally borrowed $800 and paid $1400+ so i requested a PIF letter based on this as well as a refund. Any advice on what to do next? They aren't my only installment loan but I'm trying to tackle them all one at a time. Thanks for any help/advice!

When were you due? How did you send ACH revocation letter, if you sent from their own website you should have received at least a general email response.. Did you tell them that communication needed to be made by US mail or email only - if not you should.. You will hear from them - some times they take a while.. Did you follow all the steps on how to deal with in the link below in my signature line... if so you should have nothing to worry about..

Who else do you have loans with? if they are all illegal - better to deal with all at once and keep them from taking any more money from you!!

Sub: #1 posted on Fri, 01/23/2015 - 14:21

HelpinAZ HelpinAZ
(Posts: 1873 | Credits: )

It was due yesterday, 1/22. Funny enough almost right after I made this post I got this email from them:

Your correspondence has been directed to us for review and we are happy to assist you.

We are sorry you are not satisfied with your Plain Green loan. After a detailed review of your account history we have reduced your balance to zero, and closed your account from further activity. Meaning, you will no longer be able to borrow from us in the future.

To further clarify your questions regarding the legality of this loan, Plain Green is organized under the laws of the Chippewa Cree Tribe of the Rocky Boy’s Indian Reservation of Montana (“Chippewa Cree”). Plain Green is owned by the Chippewa Cree, and operates exclusively on land owned by the Chippewa Cree. As such, Plain Green stands as an “arm of the Tribe,” in the view of the United States state and federal courts. Therefore, loans made by an arm of a sovereign Indian nation are not subject to state law. This is NOT a payday loan.

This letter is written to help you understand that Plain Green and its loan contracts are governed exclusively by the laws of the Chippewa Cree.

Nevertheless, pursuant to your request, we have removed your contact numbers from our system and we will make no further ACH debits from your account.

Thank you again for your time and consideration.

Plain Green Loans
866-420-7159 FAX
8 a.m. - 10 p.m. ET, Monday - Friday
9 a.m. - 5 p.m. ET, Saturday

Here are my other ones, its so much i feel so embarrassed. I want to figure out who is illegal so I can stop this downhill spiral and for the ones who are legal if there is advice on how to work with them.

Mobiloans - Original loan $1000, borrowed additional $647.62 since then, using their line of credit option. Total paid in fees to date is $1,546.75

Rise Credit - Original loan $7000, paid $4,142.80 to date, their system says I have a balance of $6,180.59

LendUp - $308 due on 1/27 (borrowed $250 for 30 days). Sent them an email asking if they offer an EPP to pay this back.

CashCall - $2600 borrowed, paid $617.46 so far

Check N Go - originally started with an online payday loan of $255 then rolled it over to an installment loan in December and they credited the $300 fee and deposited $2225 into my account so they financed $2525 to me. Paid $569.82 so far.

Spotloan - Borrowed $800, paid $112.89 so far.

Brookwood Loans - Borrowed $3500, paid $2,389.68 so far with an upcoming payment of $298 this Tuesday

Sub: #2 posted on Fri, 01/23/2015 - 17:01

Sonya T Sonya T

(Posts: 24 | Credits: )

I should also mention that in addition to all of that mess I had 3 storefront payday loans at the max of $255 each. However I entered into payment plans with all of them back in December and I only have one more payment for each of steps...

Sub: #3 posted on Fri, 01/23/2015 - 17:12

Sonya T Sonya T

(Posts: 24 | Credits: )

Great news on Plain Green - That one is done -- the store fronts will be done soon -
So on to the online ones - These two are tribal - do the same as PG.
Mobiloans - Tribal - treat the same as PG - You owe them $100.87 - payable how you feel you can -
Spot loan - Tribal - treat the same as PG - You owe $687.11 - payable how you feel you can -

Legal licensed to lend in CA - best to see if you can work out a payment plan with that you can live with...
Rise Credit - Legal to lend in CA - hope someone else can shed more light on them
Cash Call - Legal to lend in CA - Not going to be an easy one to work with at all.
LendUp - Legal to lend in CA
CheckNGo - Legal to lend in CA - should work with you ..
Brookwood Loans - Legal to lend in CA

Sub: #4 posted on Fri, 01/23/2015 - 17:43

HelpinAZ HelpinAZ
(Posts: 1873 | Credits: )

Thank you sooo much! Lendup is working with me so I am going to split up the payment over the next 30 days.

I have a question on the subject line ppl use for the ach revocation emails to the tribal lenders, what are you putting in there? Anyone have experience with Spotloan in terms of a successful payment arrangement?

For the legal lenders, is it your experience they will work with folks in good standing or do I need to default in order to get them to work out payments with me?

Sub: #5 posted on Fri, 01/23/2015 - 17:55

Sonya T Sonya T

(Posts: 24 | Credits: )

This is the subject line I used before with GP & PG - "Customer Issue: Cancel my payment or loan"

As for Spot Loans - you tell them what you are willing to pay when, and you tell them it will be via US Mail via money order only... and when and if they agree they get the rest of their principal.. you are only doing this because it is the right thing not because you have to .. and if they refuse to your terms then they get nothing..

Some are willing to work with you - you will more than likely have to default to do so - Cash Call will more than likely be the toughest and the one that will report to credit - I am sure that your credit can take the hit for now and then work on disputing repairing later. If your credit was great more than likely would not be in this forum asking these questions like the rest of us...

Sub: #6 posted on Sat, 01/24/2015 - 04:39

HelpinAZ HelpinAZ
(Posts: 1873 | Credits: )

I actually had 2 Spotloans - the first one I borrowed $700 and paid $472.04 before paying off the remaining balance of $629.88 so on that one I overpaid $401.92, this was over the period of October-December. In my letter to Spotloan should I reference both loans and offer to pay the remaining principle balance on the current one subtracting the overpaid fees (so basically, $285.19)?

Sub: #7 posted on Sat, 01/24/2015 - 10:10

Sonya T Sonya T

(Posts: 24 | Credits: )

I would combine the two together and demand PIF letter and refund.. Total of $1500 borrowed - total of $1214.81 paid on both - so leaves $285.19 is correct.. that is what I would be offering and not one dime more - and remember until they agree they get nothing..

Sub: #8 posted on Sat, 01/24/2015 - 11:26

HelpinAZ HelpinAZ
(Posts: 1873 | Credits: )

I just received the following for Mobiloans:

Customer Issue: Cancel my payment or loan [5426422:4121585]
Mobiloans Account Services Faxes
Today at 12:34 PM
Dear Sonja,

We are no longer in charge of your account. You will need to contact:

National Credit Adjusters
327 W 4th
Hutchinson, KS 67501

Thank You,

Mobiloans Account Service Team m

Any advice here? I am no longer granted access to what was my Mobiloans account. I havent heard from anyone from National Credit Adjusters.

Sub: #9 posted on Mon, 01/26/2015 - 12:49

Sonya T Sonya T

(Posts: 24 | Credits: )

They are a debt collector - I am sure that Mobiloans sold the balance was to them... I would wait to see if they contact you - and when they do tell them they have purchased illegal debt..and send them a cease & desist letter..
Keep proof of what you borrowed and what you paid..

Sub: #10 posted on Mon, 01/26/2015 - 17:39

HelpinAZ HelpinAZ
(Posts: 1873 | Credits: )

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