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Here is the response I received today from Castle Payday:

Thank you for your email. We are sorry to hear that you are unhappy about your recent experience. Our reputation is important to us and, as such, we are willing to consider the circumstances surrounding your request in order to determine the appropriate action. Having reviewed your complaint in detail, we would like to mention a few points of issue before commenting on a resolution.

We would like to point out that when you were presented and signed the Loan Agreement (which fully discloses the terms as well as the payment options) on December 26th, 2012 at 10:06 AM from IP XX.XXX.XXX, it was your responsibility to read the terms and conditions.

Please be advised that Red Rock Tribal Lending, LLC (D/B/A is a Tribal enterprise, wholly owned and operated by the Lac Vieux Desert Band of Lake Superior Chippewa Indians, a federally-recognized Indian tribe and sovereign government (“Tribe”). Because the Tribe regulates its own consumer financial services pursuant to Tribal law, state licensure or regulation is unnecessary and inapplicable to the Tribe, and, by extension, Red Rock Tribal Lending, LLC.

Notification was sent to your email address at the time of funding approval, as well as prior to each and every due date, in which specifically details in bold the auto renewal policy that is about to occur and the payment options available. You have submitted your complaint from this same email address therefore, confirming you have in fact received the approval and renewal emails mentioned above.

Our records indicate that your current balance is $1,406.25. This includes the Principal amount of $1,125.00 plus the Finance Fee of $281.25.

Having stated the above, we understand that many people are experiencing difficult times. So, while we are not obligated to do so, and in full and final settlement of your grievance and any claims you may wish to assert against us, we will agree to the amount and schedule below. Once all the agreed upon settlement payments have been successfully paid, we will waive the remaining balance on your account. Agreeing to this settlement will freeze any interest or fee amounts currently outstanding.

Current Amount Due: $1,406.25

Proposed Settlement: $587.50

Your Savings: $818.75

Number of settlement payments: 4

Payment Schedule:

05/31/2013 $146.87

06/17/2013 $146.87

07/01/2013 $146.87

07/15/2013 $146.87

Payment Method: ACH

Although we do accept Money Orders and Cashier’s Checks, we strongly recommend that you select ACH transfer to prevent any issues that may result from an untimely or lost payment sent through the U.S. postal system. Please notify us if you would like to use a payment method other than ACH.

To finalize this settlement option, please reply “I AGREE” in the subject heading of the email. You hereby voluntarily authorize us to initiate automatic debit entries to your Bank Account in accordance with this Agreement. Only upon receipt will settlement be made.

Thank You,


Any advice on how to reply would be greatly appreciated.

How much have you paid??

You are in control. YOU tell them how much you will pay at your convienence.

Sub: #1 posted on Mon, 05/06/2013 - 16:28

Moderators Cum Industry Expert
(Posts: 17272 | Credits: )

The loan was for $1200 ($300 finance fee) and I've paid $1862.50 which is $662.50 more than the principal.

Sub: #2 posted on Mon, 05/06/2013 - 19:03

groovygirl groovygirl

(Posts: 107 | Credits: )

tell them to take their offer and shove fact demand a refund stating that since it is tribal it is illegal,and therefore you will not pay another penny.

Sub: #3 posted on Tue, 05/07/2013 - 05:51

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15512 | Credits: )

The tribal thing works in your favor, so you can demand a refund.

Sub: #4 posted on Tue, 05/07/2013 - 05:59

sanderspatricia29 sanderspatricia29

(Posts: 960 | Credits: )

Thanks for the advice. I need to wait until my account closes (5/8) before I make any moves. Don't want them to retaliate and take money out of my account.

Sub: #5 posted on Tue, 05/07/2013 - 09:37

groovygirl groovygirl

(Posts: 107 | Credits: )

good luck im in the same situation with them ive sent 6 emails back to them and they keep sending the same settlement and saying there sending it to collections i told them to go for it and that since they dont want to agree to my terms, they will not get another cent from me

Sub: #6 posted on Tue, 05/07/2013 - 11:34

BlakeInIowa BlakeInIowa

(Posts: 18 | Credits: )

Thanks. Have you received calls or just e-mails? How long have you been dealing with them?

Sub: #7 posted on Tue, 05/07/2013 - 13:01

groovygirl groovygirl

(Posts: 107 | Credits: )

Almost a week now id say, and its the same emial from them everytime, just with more payments, but it still equals to the ammount there trying to get

Sub: #8 posted on Tue, 05/07/2013 - 13:14

BlakeInIowa BlakeInIowa

(Posts: 18 | Credits: )

Anyone dealt with them and had any luck getting money back?

Sub: #9 posted on Tue, 05/07/2013 - 16:55

groovygirl groovygirl

(Posts: 107 | Credits: )

Teacher - I am a teacher too. I had 7 PDLs. Its been a month since I sent them the letters. None have called my work. Plain green and east side lenders called my home number for about a week, then stopped. All but castle payday and western sky have sent me PIFs.

Sub: #10 posted on Tue, 05/07/2013 - 20:14


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