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Hi i'm looking for help. I'm in nebraska and i had a loan with Plain Green. I sent them a c&d letter and told them i would pay back the principle. I am now getting calls from NCS and they are demanding that i pay them $2,400 and will settle for $1,800.00 if I pay all at once. Do I have to pay NCS. the lady keeps calling me at work and says she cannont keep my file on her desk any longer. Please let me know. thank you.




Lets start with how much was the loan with Plain Green - how much originally borrowed and how much repaid to date - and hopefully you sent them a letter revoking ACH authorization and not a C&D letter. I would tell NCS that you would like to have debt validation mailed to you and then send them a C&D - if they continue to call and refuse to send you debt validation - report them to the FTC. I would recommend staying off the phone with them and tell them not to contact you at work again.

Sub: #1 posted on Wed, 01/29/2014 - 05:15

HelpinAZ HelpinAZ
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(Posts: 1873 | Credits: 288.1)

Actually it is NCA and not NCS I closed my back account and then sent a C&D to plain greens. Got a letter from NCA saying they have purchased my account from plain green. the loans i had from them are listed below.

Loan #1
3/12/2012-3/30/2012-loan amount $800. Total paid=$1,052.50 Overpaid/refund=$252.50
Loan #2
5/12/2012-01/01/2013-loan amount=$800.Total paid=$2,507.48 Overpaid/refund=$1,707.48
Loan #3
1/08/2013-2/20/2013-loan amount=$900 Total paid=$1,218.53 Overpaid/refund=$318.53
Loan #4
3/5/2013-5/24/2013-loan amount=$1,200 Total paid=$1,563.88 Overpaid/refund=$363.88
Loan #5
5/30/2013-7/29/2013-loan amount=$1,600 Total paid=$2,167.45 Overpaid/refund=$567.45
Loan #6
8/1/2013-current-loan amount=$1,800 total paid=$289.57 Total amount owe=$1,510.43
I have overpaid $3,209.84 and I owe $1,510.43.

Sub: #2 posted on Wed, 01/29/2014 - 08:31

tnebraska tnebraska

(Posts: 5 | Credits: 2.01)

you apply any overpayments on previous loans so you still are owed,but since plain green is illegal,and they sold it to a notorious bottomfeeder.a refund is really unlikely.i would send a C&D letter to NCA and be ready to sue as they like to ignore c&d letters.

Sub: #3 posted on Wed, 01/29/2014 - 21:21

paulmergel paulmergel
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(Posts: 15506 | Credits: 1356.56)

From what I calculated $7100.00 total borrowed all loans.. total repaid $8799.41 - refund due to you $1699.41 - you don't owe them squat, send the C&D letter to NCA if can get mailing address from them.

Sub: #4 posted on Thu, 01/30/2014 - 01:24

HelpinAZ HelpinAZ
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(Posts: 1873 | Credits: 288.1)

thank you HelpinAZ for the info. I acutally just got off the phone with the lady again today and she said that she is not keeping it on her desk any longer and showing it as a refusal to pay and it will get turned over to someone else to take further action? She said that I gave plain Green the right to sell my loan to them when i signed the contract. I told her i never gave plain green the right to sell my loan to them. i just listened and said ok. do you think i need to do anything further now?

Sub: #5 posted on Thu, 01/30/2014 - 01:42

tnebraska tnebraska

(Posts: 5 | Credits: 2.01)

file complaints against plain green,and send a C&D to NCA as all they will do is keep calling and be stupid.

Sub: #6 posted on Thu, 01/30/2014 - 03:09

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

And just stay off the phone with any of them, they are not worth your time..and of course you are refusing to pay - because you don't owe them anything!! Do you have a copy of what you originally sent to plain green? copy and paste here if can.. just want to make sure you didn't miss anything.

Sub: #7 posted on Thu, 01/30/2014 - 04:04

HelpinAZ HelpinAZ
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(Posts: 1873 | Credits: 288.1)

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