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PLEASE HELP!!!! White Hills Cash (Online Loan, I reside in Indiana)

Date: Wed, 01/23/2013 - 19:23
Submitted by Back Woods Barbie on Wed, 01/23/2013 - 19:23
Posts: 25
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Letter I received from White Hills Cash.... What do I do NOW?!


We are in receipt of your email/ letter regarding your account and have reviewed your concerns carefully in an attempt to resolve this matter. As clearly indicated in its website disclaimers and the loan documents executed by you, White Hills Cash is a tribal limited liability company established by and for the Ft. Belknap Indian Community pursuant to tribal law. Both our website and your loan documents explain this fact clearly. As a sovereign enterprise, White Hills Cash is not subject to state regulation.

By signing your Loan Agreement, you agreed to the application of Ft. Belknap Indian Community law. You agreed to comply with all of the terms and conditions of the Loan Agreement upon execution. White Hills Cash relied upon your representations in good faith and approved your loan based upon such representations. White Hills Cash always strives for excellent customer service and we are willing to work with you to achieve resolution of your concerns.

You have revoked our right to ACH your account, as is your right to do so, and at this time we will immediately cease all withdrawals. The remaining balance owed is $454.25 and our mailing address is 5781 West Sunrise Blvd, Plantation, FL 33313.

Regards,

Customer Support


Loan was for $400
I paid $305 as of 1/18/2013
I still owe principle amount $95
They're saying I STILL owe $454.25!!

How do I respond?!

The above letter states their "physical address" is in Florida, but (the link to their website below) Ft. Belknap Indian Community is located in Helena, Montana!

http://tribalnations.mt.gov/fortbelknap.asp






P.S. I sent White Hills Cash a ACH Revocation, as well as a revocation of Wage Assignment.


I am responding to the email referenced below regarding your outstanding loan with Sure Advance.

Sure Advance is a company in good standing in the State of Delaware and a fully-licensed Delaware short-term lender. Sure Advance does not do business in Indiana, but did make a cash advance to you pursuant to your request made in Delaware via the Internet. The transaction is legal and compliant under Delaware law.

Sure Advance has modeled our short term loan product to disclose all information available. This pertinent information was shared with you prior to the funding of your loan. A loan agreement was presented to you on our website in Delaware after the completion of your online application which was done on November 26, 2012.

Your outstanding balance is $271.80 which includes the principal borrowed and interest owed on the principal.

As a result of our commitment to customer service and your misunderstanding of the terms of the loan, we will accept a settlement of $100.00 on the balance owed and forgive the remainder of the balance.

Please let me know if you would like to take advantage of the settlement offer no later than Monday of next week.

I am also willing to customize a payment plan for you if you need the help. I will await your response.

Regards,
Denise



Denise McGeever
Director of Customer Relations
Sure Advance, LLC





Just to "re-cap"

Sure Advance $300
Paid $334.48

I live in Indiana, correct me if I am wrong, BUT doesn't the Internet PDL companies HAVE to be licensed in MY state (Indiana) in order to provide me with a LEGAL loan?! Therefore, I only am morally "obligated" to pay back the "principle amount" of $300, which has been OVER-PAID by $34.48!

What should I respond with?


Submitted by Back Woods Barbie on Thu, 01/24/2013 - 14:06

Back Woods Barbie

( Posts: 25 | Credits: )