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Another pdl problem. Lendor not accepting just principle

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Posts: 6
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MaxLend.com
Loan amount was for $625
I've offered to pay $100 a month (then $25) for settlement of principle....here is their reply...How should I reply

Re: Your MaxLend Loan # 43738255



Dear Angela,,



I am writing on behalf of MaxLend in response to your recent fax. MaxLend strives to assist consumers with their short term cash needs and is concerned that you were disappointed with your most recent experience.

Please be advised, however, that your loan was made pursuant to MaxLend’s lending license. MaxLend is a brand of Makes Cents, Inc., a tribal corporation organized under tribal law and is an instrumentality of, and wholly-owned and controlled by the Mandan, Hidatsa, and Arikara Nation (“MHA”), a federally recognized sovereign American Indian Tribe. Your loan is made by us as provided in the Nation’s Tribal Credit Transaction Code. MaxLend contracts, including the loan agreement you signed, clearly designate MHA law as governing its transactions and provide all disclosures required by MHA and U.S. federal law. MaxLend has no physical presence in the State of New Jersey and does not solicit New Jersey consumers via mail, television, or radio advertisement. We are not subject to its regulatory jurisdiction. In order to obtain a loan from MaxLend a New Jersey consumer must log on to the internet and access MaxLend website, just as you did. You received documents in conjunction with your loan fully describing how the finance fees are applied and your repayment options, and you agreed to these terms, including the applicability of MHA (not New Jersey) law to the transaction, with electronic signatures in multiple places. Should you require another copy of your documents, or if you need clarification on points referenced in the documents, please contact us. A careful review of those documents should resolve your concerns regarding the terms applicable to your loan.

Notwithstanding the foregoing, we would like to offer a settlement in the amount of $814.76 to be paid in eight monthly payments of $100.00 and a final payment of $14.76. Once satisfied, we would then mark your account “closed and settled in full”. MaxLend is taking this action without legal obligation to do so because of our ongoing commitment to customer satisfaction and for no other reason. We hope that this action on our part will resolve your concerns.

Thank you for the opportunity to clarify this matter and address your concerns.

Sincerely,

MaxLend




Dear Maxlend...

What a pile of BS! I live in NJ and payday loans are ILLEGAL in my state. I am not a member of this tribe nor have I ever stepped foot on their tribal land. The loan is NULL AND VOID and unenforceable....legally I owe you NOTHING. I will however pay back the principal at MY convenience and by money order only. I have closed my bank account and informed my bank of your illegal activities. You will communicate with me by email only and you will not contact any of my family, friends or associates. By the way....you may want to google Western Sky.....several states are suing them. Maybe the NJ state AG's office should be looking into your practices.

Govern yourself accordingly.

Sub: #1 posted on Tue, 07/01/2014 - 07:30

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
(Posts: 17209 | Credits: 4746.15)

Thank you so much Soaplady! You've been a life saver!!

Sub: #2 posted on Tue, 07/01/2014 - 17:58

foote2708 foote2708

(Posts: 6 | Credits: 0.72)

how much was debited on the 625.00?remember anything they debited prior to you securing/closing your account gets deducted from that.

Sub: #3 posted on Tue, 07/01/2014 - 18:15

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

Not sure which of the two PDL's I'm having trouble with this is about but I believe it is this one. This is something I don't need to worry about correct?? Also it says the account was transferred to them in May and I didn't start this process until the end of June. Advice?
Case File: K-300714; SI-WC-7310;
Amount Due: $870.69
Case File Transferred: - May 2014
Due to: ACS INCORPORATION.
Dear Debtor,
As we were trying to reach you since a couple of days regarding a very serious matter about a lawsuit filed on your name stating that you are doing some fraud and Civil litigation's. Our company (ACS INC) has authorized us to recover the full amount due to them.
As we put your SSN into our National Checking Database System, we found that you have been never charged for a fraud activity & that is the reason Court has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and SSN. Now if you want to take care of this issue than you have to pay an out of Court Restitution Amount which includes the late payment charges, penalty charges, interest rate on the loan amount and actual loan amount = Restitution Amount which is $870.69 or else the lawsuit amount which is about $4203.86 WILL BE DOWNLOADED AGAINST YOU. If you want to settle this matter today itself, then you can get some percent deduction on the Restitution Amount and you can take care of this issue by making the payment of the Settlement Amount today. You have to send us a promissory note to stop your case file temporarily out of the court house. So get back to us ASAP.
We are very sorry to say that you are going to be legally prosecuted in the Court House within seven days. Your SSN is put on hold by the US Government, so before the legal charges get really serious against you, we are notifying you about these legal charges. But as we were not able to reach you so we are sending you a final notification Email. Your case file#K-300714; SI-WC-7310; and since it’s a legal matter you will need our help, so call us right now to make a payment and freeze down this case.

AS YOU ARE A DEFAULTER ON THIS CREDIT, UNITED LEGAL INVESTIGATION BUREAU HAS STATED three SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:
(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION
If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid:-
· Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer.
· Attachment of Earnings base (Earnings Arrestment). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debt.
Now, this means a few things for you. If you are under any state probation or payroll we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
The Factual Basis for the complaints are as follows:
You accepted to return the funds from this aforementioned advancement as per contract.
And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
At present, ACS INC is seeking either of the following remedies:-
All funds to be returned as per terms of initial contract
Dear CUSTOMER as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know when you can pay the requested $870.69 to settle this case.
IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THROUGH AN EMAIL OR CALL US DURING WORKING HOURS (From Monday To Friday 09:00 AM to 05:00 PM EST) on +1 347-571-9007.
This is our final notification to you as we found you to be a genuine person as told you before. You can resolve the issue by paying out of Court Restitution Amount/ Settlement Amount as decided by the Court House. You have to give us a flat answer without any excuse.
NOTE: THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.
Yours sincerely
Collections & Legal Department
ACS LEGAL | Privacy | Terms of use
------------------------------------------------------------------------ ----------------------------
Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Sub: #4 posted on Thu, 07/03/2014 - 20:11

foote2708 foote2708

(Posts: 6 | Credits: 0.72)

one of the loans sold it to this scam.they are a boiler room in INDIA.give it no weight whatsoever,but do file an FTC complaint with that attached.go to www.ftc.gov to do this.btw acs stands for affidavit consolidation services again a total scam out of INDIA report and ignore.last thing i get those every so often and i laugh and report each time.

Sub: #5 posted on Thu, 07/03/2014 - 20:57

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

Thank you!

Sub: #6 posted on Thu, 07/03/2014 - 21:04

foote2708 foote2708

(Posts: 6 | Credits: 0.72)

yup...total BS!! I cannot believe they are still sending out this crap.

Sub: #7 posted on Fri, 07/04/2014 - 19:25

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
(Posts: 17209 | Credits: 4746.15)

This was very entertaining! I wonder if being downloaded hurts? And how nice that they have decided that you're a genuine person! Put on your hip boots--you'll need them to cut thru this crap, lol. Besides reporting them to the FTC, I would also call your local police dept to report them. But wait: your SSN is on hold!! KIDDING!!

Sub: #8 posted on Sat, 07/05/2014 - 09:11

kscornell kscornell
Moderators
(Posts: 4409 | Credits: 473.19)

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