Northcash

Review: I was advised by a Chicago contract attorney that this contract is illegal because North Star has an active cease and desist order in Illinois, it is a legal document per the attorney I spoke with. North Star claims "tribal immunity" but I do not live near or on tribal lands. I have recorded conservation with their supervisor advising me that do not have to adhere to state laws, but I was advised by the Illinois Attorney General that information is false and lenders use that as a scare tactic to get people to pay. I was advised by the Illinois Attorney General, Illinois Department of Financial and Professional Regulation, and a local attorney here that North Star is lying and since they attempted to get me to pay on this contract, what they did was illegal. I asked customer service how they are licensed, they advised me since they are a "tribal lending entity", no state licenses are needed which is not true.Desired Settlement: Per state law, since I have a recorded call dated 10/15/14 that you can me tell customer service this account is illegal but their supervisor telling I am required to pay. Per the Payday Loan Reform Act, if a lender is not licensed then the loan contract is null and void. I am entitled to damages up to $1000.00 and a detailed letter showing the account is closed and will not be sold to another company to collect on.

Business

Response:

Hi, It is my pleasure to respond the the complaint as raised by [redacted] on behalf of Northcash. We have absolved the amount owing of $400.00 and a communication was forwarded to the customer by email on Dec 31st 2014 and again on January 5th 2015 confirming that there is no futher amount owing. If Ms. [redacted] requires that the email be resent please advise and we will be pleasd to re-forward to her via email.Regards,[redacted]Manager Northcash Customer Care

Consumer

Response:

North star is doing business in a state that has a cease and desist against them, I will fax over any proof in a few days. They are not a licensed lender in this state therefore by law, I am entitled to damages up to $1000 which they can put into my account. I have sent Northstar proof of the cease and desist order from the state of Illinois.

Revdex.com,

I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards,

Business

Response:

Thank-you for providing us with this

opportunity to address this customer’s complaint. North Star Finance, LLC dba

North Cash (the “Company”) is a tribally owned and operated entity of the Fort

Belknap Indian Community (the “Tribe”) on the Fort Belknap Reservation (the

"Reservation"). The Company is wholly owned by the Tribe, was

established for the Tribe's economic benefit, and is organized under and

operated pursuant to Tribal law. As an economic arm of the tribe, the

Company shares the Tribe's sovereign immunity and, therefore, is not subject to

state investigative or enforcement actions.

Review: I have repeatedly tried to pay debt and each time there is a different excuse why unable to pay. I've contacted them multiple times and each time it's another excuse.Desired Settlement: 300.00

Review: I took out a cash advance loan with this company on 08/17/2013 and authorize them to take payments out of my account until paid in full. The company quit drafting my account in January 2014 with no further communication. In August 2014 I began receiving emails from them stating that I have a loan payment coming due as of 08/29/14. I contacted the company on 08/26/14 and spoke with a gentleman by the name of Lynn who stated that I still have an outstanding balance of $299 due from a $300 loan I opened in August 2013. I questioned the reason behind that and he stated because they had system problems in January 2014 they stop drafting my account but sent me emails and made calls to advise me that they would begin drafting once repaired. I explained that I am just hearing about this matter and received no form of communication until now. He stated he will remove the $69 finance charges and draft my account for $230 which was the best they could do. I'm very concerned as to how they handled this matter and will not provide any form of documentation. I feel that since this was their error and not the customer there should be more flexibility and negotiation to get the matter resolved.Desired Settlement: I would like documentation as to the amount I've already paid on the account and proof of the remaining balance. I would also like a refund of $150 because this was not my error so I don't feel that I should be responsible for any finance charges on this loan at all.

Business

Response:

Review: I borrowed 400.00 dollars from this company in July and they are still taking 120.00 dollars every two weeks out of my checking account. I need to know if this is legal in New York state. When is this account going to be finished. You can access my account information through my e-mail address. Also you cannot access you account information on line. You can take money out online though.Desired Settlement: If it is determined that I am due a refund then I would like for them to put it in the same checking account that they took the money out of.

Business

Response:

Dear Mr.

[redacted],

At Northstar Finance LLC, we are committed to providing our

customers with the highest level of service and we take this customer’s

concerns very seriously. Thank

you for your inquiry with regards to Mr. [redacted].

As clearly indicated in its

website disclaimers and loan documents executed by Mr. [redacted] on August 19th,

2013, North Star Finance, LLC is a wholly owned and operated entity of the [redacted] Community on the [redacted] Reservation of Montana. The

Company is wholly owned by the Tribe, was established for the Tribe’s economic

benefit, and is organized under and operates pursuant to Tribal law. As an

economic arm of the tribe, the Company shares the Tribe’s sovereign immunity

and, therefore, is not subject to state enforcement. The [redacted]

Community is a federally-recognized Indian tribe and a sovereign nation, as

expressly recognized under federal law. See [redacted]. As such, North Star Finance, LLC

conducts its business under all applicable Federal laws and the laws of the

[redacted] Tribe.

Respectfully, our company is not

subject to New York State law, nor is it applicable in this case.

However, as a courtesy to this customer, we will

agree to accept the payments received to date as payment in full and waive the

remaining balance on this customers’ account to close this loan.