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Miinan Funds (Ladder Credit) & Northern Plains Funding

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I took out 2 PayDay Loans. One with Miinan Funds (Ladder Credit) for $1050 & one with Northern Plains Funding for $500.
To date, I have paid Miinan Funds a total of $1905.67 (over paid by $855.67) and Northern Plains a total of $2,332.45 (over paid by $1,832.45).

I have closed my bank account and sent the sample letter requesting PIF and a refund of my over-payments to both lenders.

Northern Plains responded stating that my loan "is consistent with applicable law" and will be moved into collections. No response yet from Miinan.

Do I need to reach out to Belen Cubero in their collections department, as per their response, or wait for her to reach out to me?
Has anyone dealt with either of these "Tribes"?
Has anyone successfully collected refunds from either one?
Is there anything further I can do to recoup any of my massive over-payments?




I live in NC

Sub: #1 posted on Tue, 02/14/2017 - 13:59

tkthoemmes tkthoemmes

(Posts: 3 | Credits: 0.32)

I'm with ya- Here is ALL of my communication with Northern Plains SO far (Start at the bottom):

Dear Mariela-

I NEVER received ANY extra “cash.” I received ONE deposit. Northern Plains sent ME emails about “discounts on current loans.” I called to inquire about A. the current balance of the existing loan and B. What the discounts were. During that phone call, I was “refinanced” for the current balance, which lowered the payments bi-monthly.

A also inquired MANY times about the loan balance. Both via email and live chat. I took it upon myself to inquire as I never received any communication regarding due date, amounts and options- as promised in the Northern Plains Documentation.

Please advise today how Northern Plains Funding will handle the above referenced issues.

Thank you,


From: mariel [at] northernplainsfunding.com
Sent: Wednesday, February 15, 2017 10:48 AM
Good morning!
The account is now in collections because you revoke the authorization for our payments that broke the agreement you signed.
Now as I can see, you read your agreement and you were aware you had 3 options to pay the loan back, you chose the most expensive of the three, you never called to choose another one, you were advised to call 2-3 business days before your due date but you didn´t.
You know how the loan works and called to get extra cash that increased the total payments.
We will send your account to True Accord that is a collection agency works with us in this cases, you can contact them to 866-611-2731 o support [at] trueaccord.com, they will have your information in around 30 days.
Best regards!


On 2017-02-14 14:29,
Thank you for responding.


1. About the reminders, you have to chose that option when you sign your agreement so maybe for that reason you did not receive them.

I just reviewed my agreement and I DID agree to that option. That in and of itself is a default, by Northern Plains Funding, of the agreement.

2. Now the emails you are receiving was for the marketing department and then are send by default to the accounts in collections as is your case.

How can my account be in collections if it is not past due?

2. We are willing to set up an arrangement with an option that works for both of us but we need to know your payment intentions.

The arrangement that will work for both you and I was already given.

I have paid Northern Plains Funding $2730.16.
I have been advised by the Federal Consumer Financial Protection Bureau as well as the PA Department of Banking and Securities that by Federal and State Law, the maximum amount paid to consider the loan paid in full is $530.00. This results in an overpayment of $2200.16.
In addition, I have been advised that, according to P.L. 13, No. 6, Sec. 502, I have the right to collect triple the amount of interest paid, in excess of Federal and State Law.
The U.S. Federal Consumer Financial Protection Bureau has advised that they will be contacting Northern Plains Funding today.
At this time I am requesting a return email acknowledging that my loan has been paid in full and my account is considered closed.
Regards,



From: mariela [at] northernplainsfunding.com
Sent: Tuesday, February 14, 2017 1:43 PM
Good afternoon!
I already reviewed all the situation of your account.
About the reminders, you have to chose that option when you sign your agreement so maybe for that reason you did not receive them.
Now the emails you are receiving was for the marketing department and then are send by default to the accounts in collections as is your case.
We are willing to set up an arrangement with an option that works for both of us but we need to know your payment intentions.
The remaining balance stands in $562.74 including all fees but we can close the account for $350.00 in one time payment or even split the 562.74 in some payments.
Please let me know!
Thanks!

Mariela J.
Financial Dept


Northern Plains Funding, LLC
PO Box 516
Hays, MT, 59527
Phone (855)711-0119
northernplainsfunding [dot] com


*This is an attempt to collect a debt and any information obtained will be used for that purpose only*

Northern Plains Funding, LLC is a Native American owned business

operating within the interior boundaries of the Ft. Belknap reservation, a

sovereign nation located in the United States. Northern Plains Funding,

LLC is an instrumentality and limited liability company which abides by

all applicable federal laws and regulations as established by the Fort

Belknap Indian Tribe of Montana.

© 2015 Northern Plains Funding, LLC. All rights reserved.

On 2017-02-13 11:14,
I have yet to hear from Mariela in the "Financial Department."

Also- It should be noted that I have NEVER received an email (or any type of) reminder for ANY of the 18 due dates/payments that have been made since I became a customer on 5/9/16. It is stated on your website that I would receive these reminders, with due date options:


Lastly-

Since Friday, 2/10/17, I have been receiving threatening emails from "marketing [at] northernplainsfunding.com" saying that my latest payment was unsuccessful and that additional fees will be added to my account.



This is UNTRUE as I have NEVER missed a payment or have I had an unsuccessful payment. My last payment cleared my bank on 2/3/17 and the next payment, per the contract, is not due until 2/17/17.

This is an illegal collection tactic, as I am NOT currently in default of the loan.

I have reported this to the CFPB, the FTC and the PA Attorney General.

As stated in the cease and desist letter below, you are also not permitted to contact me via telephone at ANY listed number that you may have or obtained. You may only contact me via email at XXXXXXXXXX@XXXXX or via US Postal Service at my home address in XXXXXXXX

I expect swift resolution to this matter.

Regards,

From: customersupport [at] northernplainsfunding.com
Sent: Friday, February 10, 2017 2:38 PM

Good afternoon,

Thank you for contacting Northern Plains Funding.

The central drive of your concerns seems to be that your Northern Plains Funding, LLC loan terms were inconsistent with the laws of your home state. But Pennsylvania State law does not apply to your Northern Plains Funding loan in any manner. As clearly indicated on our website and expressly and clearly provided in the loan documents executed by you, Northern Plains Funding, LLC (the "Company") is a wholly owned and operated entity of the Fort Belknap Indian Community (the "Tribe") located on the Fort Belknap Reservation of Montana (the "Reservation") and your loan agreement provides for the application of Ft. Belknap Tribal law. Your loan agreement is consistent with applicable law, and Northern Plains' servicing of your loan, based on our review of your account files, has also been also entirely consistent with applicable law.

Going forward, your account has been moved into collections to prevent ACH withdrawals. Your remarks have been forwarded to Mariela in our Financial Department for further attention. She can also be reached at mariela [at] northernplainsfunding.com or 888-667-8499.

Best regards,

Tom


Sent: Friday, February 10, 2017 1:08 PM
To: CustomerSupport [at] NorthernPlainsFunding.com
Subject: Loan Paid in Full
Importance: High

February 10, 2017
Dear Lender, aka Northern Plains Funding,

It has come to my attention that payday/tribal/internet lenders must be licensed by the state of Pennsylvania in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to consider the principal of the loan, plus 6% interest, which is the maximum allowed by Pennsylvania Law, to be considered paid in full.
I received a deposit of $500.00 from your company on 5/9/16. From 5/9/16 to 10/7/16, I paid to you a total of $1513.60.
On 10/7/16, when inquiring about my loan balance, you "offered" to refinance the "current principal balance" of $493.18. I agreed, with the intention of lowering the bi-weekly payment amount.
From 5/9/16 to 10/7/26, with bi-weekly payments of $150.16, only $6.82 had been applied to the principal.
Since 10/7/16, I have paid a total of $1216.56.
To date, I have paid $2730.16 on a $500 loan.
According to customer service, as of 1/30/2017, the current payoff on this loan is $595.42.
Based on the fact that I have paid a total of $2730.16, at this time I am requesting a return email acknowledging that my loan has been paid in full.
I have been advised by the Federal Consumer Financial Protection Bureau as well as the PA Department of Banking and Securities that by Federal and State Law, the maximum amount paid to consider the loan paid in full is $530.00.
At this time, I have revoked any and all ACH authorization, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. You are no longer authorized to withdraw payments from my checking account, or any other account. I have also revoked any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked and reported to the FTC, CFPB and PA Attorney General.
Based on advisement from the PA Department of Banking and Securities and PA Attorney General's office, this is considered a cease and desist letter and any and all contact needs to be made via US Postal mail or email only. No contact shall be made via telephone to me, my employer, my home phone number, my work phone number or to any references listed on my account.

Please respond to this email with acknowledgment that my account has been satisfied in full and is now closed.
I expect a response from your company no later than 3 days from 2/10/2017 regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.
Thank you for your attention to this matter.


Sub: #2 posted on Wed, 02/15/2017 - 10:01

Unregistered


Possibly you won't get back money from them.

But you can warn them saying that if they don't return you the extra money, you will contact the State's General Attorney.

However, your approach toward them is right. Ask them for a written document that "account has been satisfied in full and is now closed".

If you get annoying e-mails or calls from the tribes, then convey them that legally you owe NOTHING. The law is on your side. So, they should quit without wasting time.

Read these thread to know regarding tribal law and illegal lenders: https://forums.debtcc.com/paydayloan/selfgovernment-t axonreservationacti...
https://forums.debtcc.com/paydayloan/dealingwith-illegallenders.html

Sub: #3 posted on Thu, 02/16/2017 - 02:47

sanderspatricia29 sanderspatricia29

(Posts: 128 | Credits: 19.71)

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