Western Sky / Cash Call
Date: Sun, 09/30/2012 - 16:58
Western Sky / Cash Call
Western Sky/ Cash Call,
It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state’s laws, is not enforceable. I have contacted the Arizona Office of Financial Institutions and the Arizona State Attorney General’s Office regarding your internet payday loans and was informed they are indeed illegal in Arizona and was advised to pay what is due according to principle amount only of the loan. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $2525.00 on 5/7/20 012, and have had 4 monthly withdrawals, 1 for $243.75 and 3 additional withdrawals for $294.26. Leaving a balance of $1398.47, I am willing to pay this balance left on the principle only. Please contact me via email only to set up payment arrangements that we can agree upon.
I am also revoking authorization for ACH withdrawals and 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.
I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my state Attorney General's Office.
I prohibit you or your affiliates to contact me via telephone at my place of employment, my home or cell telephone number. I also prohibit you from calling my references listed on my loan.
Change the "payday loans" thing to "your loan is illegal" and st
Change the "payday loans" thing to "your loan is illegal" and state why (usury likely). They are not a payday loan technically they are an installment loan.
Furthermore you need to also give a condition of you paying back.. The condition must be that they need to agree to delete it from your creidt.
Does this look better -
I'm still a little confused, but want to get copies to the bank
Western Sky/ Cash Call,
It has come to my attention that this loan is illegal in my state, due to usury caps in place in Arizona. Therefore, the loan contract that I have with you, according to my state???s laws, is not enforceable. I have contacted the Arizona Office of Financial Institutions and the Arizona State Attorney General???s Office regarding your internet loans and was informed they are indeed illegal in Arizona and was advised to pay what is due according to principle amount only of the loan. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $2525.00 on 5/7/20 012, and have had 4 monthly withdrawals, 1 for $243.75 and 3 additional withdrawals for $294.26. Leaving a balance of $1398.47, I am willing to pay this balance left on the principle only. Please contact me via email only, to discuss a payment arrangement that we can agree on, I will only entertain a payment arrangement with the condition that this is removed from my credit report.
I am also revoking authorization for ACH withdrawals and 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.
I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my state Attorney General's Office.
I prohibit you or your affiliates to contact me via telephone at my place of employment, my home or cell telephone number. I also prohibit you from calling my references listed on my loan.
After going to look again
I changed the beginning of all of my letters to this: to all 3 lenders - Plain Green, Great Plains, and Wester Sky/ Cash Call
It has come to my attention that this loan is illegal in my state, due the Small Loan Rate Cap of 36% per year in place in Arizona and not being licensed to do business in Arizona. Therefore, the loan contract that I have with you, according to my state???s laws, is not enforceable. I have contacted the Arizona Office of Financial Institutions and the Arizona State Attorney General???s Office regarding your internet loans and was informed they are indeed illegal in Arizona and was advised to pay what is due according to principle amount only of the loan.
I think that this covers most of the issues, except for them being tribal.. I wasn't sure how to write that - If anyone has any other suggestions I will hold off printing for the bank until in the morning before I go to work...