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Thank you guys for the advice I have been given in this forum. I can't tell you what a eye opener it has been. I have followed the advice on here exactly and I have had 3 pdl's respond with PIF letters. Castle Pay Day however has not.... and they are the ones I have paid the most. To make a long story short I have received 3 deposits totaling $3000.00 over the past few years... and paid all back until this one. They have debited my account $4362.50.... so $1362.50 OVER what I borrowed.

This is the email I received today... please help me respond to this company. I live in Tennessee... with the other ones giving up so easy.. this one is scaring me a little.

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 August 8, 2013 at 7:19 AM from IP, 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 $1812.50. This includes the Principal amount of $1450.00 plus the Finance Fee of $362.50.
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: $1812.50

Number of settlement payments: 5

Payment Schedule:
10/25/2013 $362.50
11/08/2013 $362.50
11/22/2013 $362.50
12/06/2013 $362.50
12/20/2013 $362.50

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. Failure to accept this agreement may result in your account being sent to a 3rd Party Collections Agency.

you respond like this:

hey are illegal because you are tribal,and it shows real nuts,or real stupidity to claim i still owe after you have gotten almost 5000 in debits.i do owe about 90.00 and i will pay it with a money order.not by debit.also i will C&D any bottomfedder you sell this to so either accept the 90.00 or pound short i reject your stupid offer.

respond justy like that.

Sub: #1 posted on Mon, 10/14/2013 - 18:14

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

was that 3000.00 including this one if so you owe nothing and should respond like this:

hey dumbshits you have received over 4600 on three loans this one are illegal because you are tribal,and no amount of jibber jabber changes that.i understand i will not get money back,but know i will not pay another dime to you,or any bottomfeeder you sell this to.they will be C&D faster than you can say "tribes suck"so that is my position and no amount of bullshit from you is gonna change it.

either respond like this,or the other one above this.

Sub: #2 posted on Mon, 10/14/2013 - 18:19

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

Yes that's correct the $3000 is included in this loan.

This is the email I was thinking of sending back... does this sound okay.. Again thanks for all of your help.

Castle Payday –
I have received your email….
I am sorry that you don’t agree with my previous email… I am very unhappy with your service, mainly because it is illegal in my state of TN, and then have the gall to say you’re your reputation is important to you. Obviously you don’t value your reputation or haven’t read the complaints against your company.
Just so that we are CLEAR on this…. ANY TRIBAL LENDER is illegal in TN. I revoked your ACH authorization and I REFUSE to allow anymore ACH withdrawals from my account.
Funny I had another “tribal loan” and they were smart enough to realize that I was correct and sent me a paid in full letter, but you, whom I have borrowed from on more than one occasion, and you received a much higher OVERPAYMENT (of over $1600.00) thought you could scare me into giving you more money.
If you feel the need to send this to an outside collection agency that is completely up to you because this loan is ILLEGAL, and nothing will change that. I understand that you will never send me a refund, but you must understand that you will not receive another dime from me. If you try to sell this to another bottom feeder collection agency they will have a C & D put on them faster than you can even imagine. Regardless of being a “tribal” lender you have to follow my states law no matter what. I will not pay anything else to you or them.
I trust you understand my position on this.
As before I am requesting a Paid in Full email on my account.

How is that???

Sub: #3 posted on Wed, 10/16/2013 - 02:05


looks good send it along.

Sub: #4 posted on Wed, 10/16/2013 - 02:49

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

What was the outcome of this situation?

Sub: #5 posted on Mon, 12/09/2013 - 20:07


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