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12/1/16 Zoca Loans- 600 - Paid (1142.26)
5/18/17 Zoca Loans - 1000 - Paid (253.39) -Balance (879.90)

Hi I am currently dealing with Zoca Loans, and they are also being difficult. I looked on their website, and it does state that they are a tribal lender from the Sioux tribe. They are also known as Rosebud Lending ZSO. They sent me this form for me to revoke ACH, but it states that I agree to pay the rest of my loan amount. I'm not certain that they are illegal, since I haven't seen anyone post about them in the forum. If they are illegal, I have paid above the principal amount based on my previous loan. Any advice on how to deal with them would be greatly appreciated.

Thanks in advance!

ACH Revoke Form
To:
ZocaLoans
Date:
From:
Loan #:
Checking Account#:
Routing #:
Reason for Revoking ACH:
Type Of Transaction:
□ I would like revoke authorization for above payment ONE TIME.
□ I would like to revoke authorization on the above-mentioned transaction and all subsequent transactions matching this criteria.
Payment Instructions:
As a result of you revoking authorization for ACH transactions, you must make manual payments to satisfy the balance currently due on your loan. We do offer the following manual payment options:
1. DEBIT CARD PAYMENT : You are agreeing to contact us directly at 1-888-980-1532 on each payment due date to make a debit card payment using your Visa, Discover or MasterCard. Payments received late may incur a Late Fee of $30.00 and may result in further collection actions.
2. MONEY GRAM PAYMENT OPTION: You are agreeing to process your payment via the Money Gram instruction provided below on the agreed upon dates as indicated on your loan agreement. You will contact our office upon payment completion and submit to Zocaloan the required receipt of scheduled payment.
 Page 2
Money Gram
Receive code: 4364
Pay to: Centrinex/Rizzo
City, State: Overland Park, Ks
ZIP Code 66204
Account Number: Last four of your SSN
Message: Zoca Loans
All payments should be made payable to Zocaloans, and mailed to:
ZocaLoans
P.O. Box 1147
27565 Research Park Dr
Mission, SD 57555
In the event you choose not to take advantage of one of these manual payment options, please be advised that all standard collection procedures will be followed in accordance with your contract provisions and in accordance with The Fair Debt Collection Practices Act (FDCPA).
I understand an ACH revoke order must be received in time to allow ZocaLoans a reasonable opportunity to act on it prior to action. ZocaLoans requires at least three (3) banking days prior to the scheduled payment date. This written confirmation must be received within fourteen (14) days of the request. As agreed in your loan agreement, by revoking your authorization for ACH, you agree to provide us with another form of payment. Please sign below to indicate your acknowledgement that by revoking ACH you agree that you will make manual payments to settle the balance of your loan.
SIGNATURE _____________________________




If you have paid the principal amount, then don't pay a single extra penny. Ask them to send you a written "paid in full letter". If they deny, contact your State's General Attorney.

Sub: #1 posted on Mon, 06/19/2017 - 06:03

sanderspatricia29 sanderspatricia29

(Posts: 817 | Credits: )

I recited that same email..I already revoked ACH through email and regular mail. I'm also wondering if it's necessary to use their form. I wouldon't think with them being a tribal lender they are illegal as most are. If you hear different I'd love to know as well.

Sub: #2 posted on Tue, 06/20/2017 - 06:50

SF SF

(Posts: 13 | Credits: )

Sorry about the error..I meant to say I would assume they are illegal.

Sub: #3 posted on Tue, 06/20/2017 - 06:51

SF SF

(Posts: 13 | Credits: )

Okay, I hope they will not ask you for money in future.

Sub: #4 posted on Wed, 06/21/2017 - 06:04

sanderspatricia29 sanderspatricia29

(Posts: 817 | Credits: )

Please sign below to indicate your acknowledgement that by revoking ACH you agree that you will make manual payments to settle the balance of your loan.


Why should you settle when you have paid more than the principal amount?
Please stay away from payday lenders in future. They are loan sharks. See the mess you're in.
No need to use their bloody form.

Sub: #5 posted on Thu, 06/22/2017 - 00:45

ditchdebt ditchdebt

(Posts: 678 | Credits: )

-ditchdebt

Yes I see the mess I'm in. I'm thankful to this forum for helping me get out of it.

Sub: #6 posted on Fri, 06/23/2017 - 11:58

WB WB

(Posts: 28 | Credits: )

If your looking for help to settle out payday loans in general try visiting debtcommand.com these folks were able to assist me and reduced the amount I paid back by 40%!!!

Sub: #7 posted on Sat, 06/24/2017 - 16:05

Unregistered


WB,
Have you heard anything else from Zoca? All mine have been settled except for them.

Sub: #8 posted on Mon, 06/26/2017 - 12:18

SF SF

(Posts: 13 | Credits: )

SF,

I have been going back and forth with them, and they haven't seemed to agree. I keep getting automated emails saying my account is delinquent and that I need to call. They say if I want to borrow from them in the future, I should get this settled quickly. I responded again with the paid in full letter and the amount I'm owed in refund. I also stated that i filed complaints with the Tennessee Department of Financial Institutions and the BBB. I'll keep you posted.

Sub: #9 posted on Tue, 06/27/2017 - 02:06

WB WB

(Posts: 28 | Credits: )

WB, I finally got a paid in full letter from Zoca! It was a lot of back and forth with them but they sent the letter today. I hope you either got one too or will get one soon! Thanks for all the help,if it wasn't for this forum I would've been able to clear thus debt.

Sub: #10 posted on Thu, 07/06/2017 - 09:21

SF SF

(Posts: 13 | Credits: )

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