I got a loan for $2500 from this company and was paying it down. I sent my pay off for $4,113.65 on February 5,2015 by certified mail. The address I was given by a member of the company was to Las Vegas, NV to the pay off department. I kept checking the USPS website and entering my tracking number from my certified mail, but it had not been delivered to the address. Fast forward to today; I had called car loans llc several times to find out why they hadn't received the money and they showed it delayed when they checked their tracking. When I called today I was advised that the address THEY had given me was for the wrong city and state!! It was supposed to go to the same street address and suite number, but to Cincinnati ,Ohio!!! I was very upset because that is a lot of money for them to play around with. Now it will cost me more money out of pocket! I called the manager who all of a sudden advised me after many phone calls had been made, that the package was located by USPS in New York.
BULL!!!!!!! I talked to Bonnie at the USPS who advised me that the package had not been located! Also the address in Ohio is not to a Car Loan LLC, it is a front for some kind of other business. I have saved ALL of my payment slips, bank drafts, and ALL correspondence with this company and I intend to sue them. They said that they will overnight my title to me, but I want PROOF that they have cashed my USPS money orders and my account with them is settled. I talked to them on a recorded law enforcement line and I WILL retain an attorney if they do not do as requested. That is MY hard earned money and I want it where it should be! Yes, i owed them, but i paid them!!
I contacted Title Loan America the first part of March in regard to an Auto Title Loan. Since they advertised they provided loans in my town and state I asked where they were located? Dustin Choi, the person I spoke with stated that the business was located in Michigan but services were provided Nationwide. I asked about the Interest rate and was told it would be 18%. He explained the process to me and provided me with instructions to proceed. I submitted the required information.
Upon receipt he called me, requested me to go to a specific web site to sign the "ACH Agreement" electronically, which I did. I did not see the contract, nor was I aware of a contract included with the ACH. Once we ended our conversation I went back into the web site and was surprised when I was not able to enter the site. I called Dustin back and was told he would get a copy of the contract to me as soon as everything was completed. All documents were signed March 22, 2014. He told me my payments would be $360.00 per month for 12 months. I asked if these services were allowed in Washington State. He stated they were allowed nationwide.
After several phone calls to Dustin and an email sent to the address I previously sent documents to him at coming back as not deliverable to Yolanda, I was able to get a copy of the contract from a woman named Adrian. I was able to reach her at telephone #1-888-511-7924. She was with Title Loan America. I was devastated upon receipt of the contract to find it was a "Pawn Agreement" with 11 equal monthly payments and the 12th payment a balloon payment, which was more than the loan amount. The interest rate calculated out to be 18% per month not year as I was led to believe. The word Pawn was never mentioned.If I would have been aware that was the case I would have never entered into the agreement.
Upon trying to pay the loan off early I called to get the payoff. I was given the payoff amount, provided my account information to pay off the loan and was told the EFT would be processed at 4:00 that day on their end. I was given the address to return the GPS, which was returned that day. I continued paying other bills assuming this was taken care of. Wrong!!! I received a call about a week later stating that it was being taken care of that day. Since I had assumed that the payment had been withdrawn there was no longer enough funds to cover the payment. I do not use checks and do not check my account daily. I received several calls from them while I was unavailable and returned the call as soon as I could.
I was treated rudely, told my car was up for repossession and that they needed to send a GPS out to me because I was in default of the contract. I told them I would not place it back in my car and I sent it back as instructed. I told them they would not get my car and a person named Hayley stated, "We'll see about that." I advised them that I was aware the there is a Civil Lawsuit filed against them for their deceptive practices and sovereign immunity does not pertain to them since they are not located within the tribal jurusdiction. I also advised them that Auto Title Pawn Agreements are not legal in the State of Washington. She stated that I signed the contract. In fact, I did not sign the contract since I did not see it and the contract could have easily been signed by anyone with adobe.
After intensive research in regard to WA State law, I found that not one of their business names were registered and licensed in the State making it illegal to do business here. The law also states that any transaction in violation of the law is uncollectable and unenforceable. There is a Consumer Alert ob the Lac Vieux Desert Tribal Financial Services Regulatory Authority web site stating "Sovereign Lending Solutions, LLC, a tribally owned and operated company formed under the laws of the Lac Vieux Desert Band of Lake Superior Chippewa Indians, ("SLS Articles of Organization") has ceased lending operations and assigned the assets of the company to Management Solution, LLC." Therefore, there is no tribal affiliation or sovereign immunity for this company.
I contacted Car Loans, LLC in regard to the Cook Islands address and the business name. I was told that they were Sovereign Lending Solutions that they just changed the name of the business. I informed her that my contract was with Sovereign Lending Solutions, LLC, which has ceased lending operations not Car Loans, LLC. I have nort received any documents or correspondence advising of a name or address change. There is no way I can be sure of the legitamacy of the business especially with an out of country address. Again, it was Hayley I spoke to with her asking why I kept calling asking the same questions over and over and finally hanging up on me. In fact, I requested a duplicate Title for my car and found that Sovereign Lending Solutions with a Boca Raton, FL address as lien holder.
I also found that the Civil Lawsuit was filed in the US Court Western District of Oklahoma on March 13, 2014, Case #14-CV-00242-HE by Federman and Sherman Law Firm, which is contracting with McDonough & Nowicki, PLLC. Information can be found at www.mcnowick.com. The Civil Lawsuit was filed prior to my involvement with Title Loan America, which incidently closed down shortly after my loan so-called loan was processed. Hayley denied knowing anything about Title Loan America or Dustin Choi. I have filed complaints with the CFIB and WA State Dept. of Financial Institutions. As far as repossessing my car, they are going to have a fight on their hands. Their actions were deceitful, fraudulent, untruthful and downright illegal. I refuse to send money to any business with an out of country address. I hope that these deceptive predators are caught and dealt with accordingly.
If you are a customer of this company - CONTACT A LAWYER IMMEDIATELY!!!
We have unfortunately been customers of this company, as well, for almost 3 years.
We had to get a loan when my husband was laid off in 2013 just to keep our house and pay our bills. Our initial loan was through "Sovereign Lending Solutions" (Title Loans of America) for $2,250. They NEVER told us about a balloon payment when we accepted the loan. We were told we'd make 12 monthly payments of $415.95.
Fast forward to month 12:
They NOW tell us about the balloon payment, that it is over $3,000!!! WTH???
We couldn't pay it, so we had to renew the loan. Payments became $490.55/month.
NOTHING was being applied towards the principle balance. NOTHING.
In 2014, they changed to Car Loan LLC when the native American tribe that originally ran the company severed ties with them.
Now EVERYTHING they are doing is ILLEGAL.
We didn't know until recently that these loans are ILLEGAL in Oklahoma, because this company ADVERTISED for Oklahoma, too, in 2013 when we got the loan.
As of today, we have paid over $18,000 to them. that's almost NINE TIMES the original loan!!!!
Today, I contacted two lawyers AND the Oklahoma State Attorney General's office.
I have been advise to CEASE ALL PAYMENTS and REMOVE THE TRACKING DEVICE.
If they attempt to repossess my vehicle, they will be breaking state laws by attempting business in Oklahoma, and I can call the cops, have the repo person ARRESTED for attempted grand theft auto, and can SUE the repo company for illegal practices.
If you are dealing with this company, SEVERE ALL CONNECTIONS IMMEDIATELY. Stop paying them and IMMEDIATELY remove the GPS tracker. I also advise submerging it in water or otherwise destroying it, as when removed, it does NOT cease working. The green light will remain, indicating it is still on, and then a red light will begin flashing.
Contact a lawyer IMMEDIATELY.
Pennsylvania, Washington, Minnesota, Wisconsin and Oklahoma all BANNED title loans. If you live in another state, contact your state's attorney general to determine if they are banned in your state and what you can do against this company.
I contacted Title Loan America the first part of March in regard to an Auto Title Loan. Since they advertised they provided loans in my town and state I asked where they were located? The person I spoke with stated that the business was located in Michigan but services were provided Nationwide. I asked about the Interest rate and was told it would be 18%. He explained the process to me and provided me with instructions to proceed. I submitted the required information.
Upon receipt he called me, requested me to go to a specific web site to sign the "ACH Agreement" electronically, which I did. I did not see the contract, nor was I aware of a contract included with the ACH. Once we ended our conversation I went back into the web site and was surprised when I was not able to enter the site. I called Dustin back and was told he would get a copy of the contract to me as soon as everything was completed. All documents were signed March 03, 2014. He told me my payments would be $339.00 per month for 12 months for a $1700.00 Loan. I asked if these services were allowed in Washington State. He stated they were allowed nationwide.
Now yesterday May 13, 2015 my car repoed by Car Loan LLC saying I owed $3600.00 when I have records showing I paid over $3600.00.
Car Loans LLC Reviews
I got a loan for $2500 from this company and was paying it down. I sent my pay off for $4,113.65 on February 5,2015 by certified mail. The address I was given by a member of the company was to Las Vegas, NV to the pay off department. I kept checking the USPS website and entering my tracking number from my certified mail, but it had not been delivered to the address. Fast forward to today; I had called car loans llc several times to find out why they hadn't received the money and they showed it delayed when they checked their tracking. When I called today I was advised that the address THEY had given me was for the wrong city and state!! It was supposed to go to the same street address and suite number, but to Cincinnati ,Ohio!!! I was very upset because that is a lot of money for them to play around with. Now it will cost me more money out of pocket! I called the manager who all of a sudden advised me after many phone calls had been made, that the package was located by USPS in New York.
BULL!!!!!!! I talked to Bonnie at the USPS who advised me that the package had not been located! Also the address in Ohio is not to a Car Loan LLC, it is a front for some kind of other business. I have saved ALL of my payment slips, bank drafts, and ALL correspondence with this company and I intend to sue them. They said that they will overnight my title to me, but I want PROOF that they have cashed my USPS money orders and my account with them is settled. I talked to them on a recorded law enforcement line and I WILL retain an attorney if they do not do as requested. That is MY hard earned money and I want it where it should be! Yes, i owed them, but i paid them!!
I contacted Title Loan America the first part of March in regard to an Auto Title Loan. Since they advertised they provided loans in my town and state I asked where they were located? Dustin Choi, the person I spoke with stated that the business was located in Michigan but services were provided Nationwide. I asked about the Interest rate and was told it would be 18%. He explained the process to me and provided me with instructions to proceed. I submitted the required information.
Upon receipt he called me, requested me to go to a specific web site to sign the "ACH Agreement" electronically, which I did. I did not see the contract, nor was I aware of a contract included with the ACH. Once we ended our conversation I went back into the web site and was surprised when I was not able to enter the site. I called Dustin back and was told he would get a copy of the contract to me as soon as everything was completed. All documents were signed March 22, 2014. He told me my payments would be $360.00 per month for 12 months. I asked if these services were allowed in Washington State. He stated they were allowed nationwide.
After several phone calls to Dustin and an email sent to the address I previously sent documents to him at coming back as not deliverable to Yolanda, I was able to get a copy of the contract from a woman named Adrian. I was able to reach her at telephone #1-888-511-7924. She was with Title Loan America. I was devastated upon receipt of the contract to find it was a "Pawn Agreement" with 11 equal monthly payments and the 12th payment a balloon payment, which was more than the loan amount. The interest rate calculated out to be 18% per month not year as I was led to believe. The word Pawn was never mentioned.If I would have been aware that was the case I would have never entered into the agreement.
Upon trying to pay the loan off early I called to get the payoff. I was given the payoff amount, provided my account information to pay off the loan and was told the EFT would be processed at 4:00 that day on their end. I was given the address to return the GPS, which was returned that day. I continued paying other bills assuming this was taken care of. Wrong!!! I received a call about a week later stating that it was being taken care of that day. Since I had assumed that the payment had been withdrawn there was no longer enough funds to cover the payment. I do not use checks and do not check my account daily. I received several calls from them while I was unavailable and returned the call as soon as I could.
I was treated rudely, told my car was up for repossession and that they needed to send a GPS out to me because I was in default of the contract. I told them I would not place it back in my car and I sent it back as instructed. I told them they would not get my car and a person named Hayley stated, "We'll see about that." I advised them that I was aware the there is a Civil Lawsuit filed against them for their deceptive practices and sovereign immunity does not pertain to them since they are not located within the tribal jurusdiction. I also advised them that Auto Title Pawn Agreements are not legal in the State of Washington. She stated that I signed the contract. In fact, I did not sign the contract since I did not see it and the contract could have easily been signed by anyone with adobe.
After intensive research in regard to WA State law, I found that not one of their business names were registered and licensed in the State making it illegal to do business here. The law also states that any transaction in violation of the law is uncollectable and unenforceable. There is a Consumer Alert ob the Lac Vieux Desert Tribal Financial Services Regulatory Authority web site stating "Sovereign Lending Solutions, LLC, a tribally owned and operated company formed under the laws of the Lac Vieux Desert Band of Lake Superior Chippewa Indians, ("SLS Articles of Organization") has ceased lending operations and assigned the assets of the company to Management Solution, LLC." Therefore, there is no tribal affiliation or sovereign immunity for this company.
I contacted Car Loans, LLC in regard to the Cook Islands address and the business name. I was told that they were Sovereign Lending Solutions that they just changed the name of the business. I informed her that my contract was with Sovereign Lending Solutions, LLC, which has ceased lending operations not Car Loans, LLC. I have nort received any documents or correspondence advising of a name or address change. There is no way I can be sure of the legitamacy of the business especially with an out of country address. Again, it was Hayley I spoke to with her asking why I kept calling asking the same questions over and over and finally hanging up on me. In fact, I requested a duplicate Title for my car and found that Sovereign Lending Solutions with a Boca Raton, FL address as lien holder.
I also found that the Civil Lawsuit was filed in the US Court Western District of Oklahoma on March 13, 2014, Case #14-CV-00242-HE by Federman and Sherman Law Firm, which is contracting with McDonough & Nowicki, PLLC. Information can be found at www.mcnowick.com. The Civil Lawsuit was filed prior to my involvement with Title Loan America, which incidently closed down shortly after my loan so-called loan was processed. Hayley denied knowing anything about Title Loan America or Dustin Choi. I have filed complaints with the CFIB and WA State Dept. of Financial Institutions. As far as repossessing my car, they are going to have a fight on their hands. Their actions were deceitful, fraudulent, untruthful and downright illegal. I refuse to send money to any business with an out of country address. I hope that these deceptive predators are caught and dealt with accordingly.
Can you help me?
Hello, I read your post and I was wondering if you would have any advice on dealing with them?
If you are a customer of this company - CONTACT A LAWYER IMMEDIATELY!!!
We have unfortunately been customers of this company, as well, for almost 3 years.
We had to get a loan when my husband was laid off in 2013 just to keep our house and pay our bills. Our initial loan was through "Sovereign Lending Solutions" (Title Loans of America) for $2,250. They NEVER told us about a balloon payment when we accepted the loan. We were told we'd make 12 monthly payments of $415.95.
Fast forward to month 12:
They NOW tell us about the balloon payment, that it is over $3,000!!! WTH???
We couldn't pay it, so we had to renew the loan. Payments became $490.55/month.
NOTHING was being applied towards the principle balance. NOTHING.
In 2014, they changed to Car Loan LLC when the native American tribe that originally ran the company severed ties with them.
Now EVERYTHING they are doing is ILLEGAL.
We didn't know until recently that these loans are ILLEGAL in Oklahoma, because this company ADVERTISED for Oklahoma, too, in 2013 when we got the loan.
As of today, we have paid over $18,000 to them. that's almost NINE TIMES the original loan!!!!
Today, I contacted two lawyers AND the Oklahoma State Attorney General's office.
I have been advise to CEASE ALL PAYMENTS and REMOVE THE TRACKING DEVICE.
If they attempt to repossess my vehicle, they will be breaking state laws by attempting business in Oklahoma, and I can call the cops, have the repo person ARRESTED for attempted grand theft auto, and can SUE the repo company for illegal practices.
If you are dealing with this company, SEVERE ALL CONNECTIONS IMMEDIATELY. Stop paying them and IMMEDIATELY remove the GPS tracker. I also advise submerging it in water or otherwise destroying it, as when removed, it does NOT cease working. The green light will remain, indicating it is still on, and then a red light will begin flashing.
Contact a lawyer IMMEDIATELY.
Pennsylvania, Washington, Minnesota, Wisconsin and Oklahoma all BANNED title loans. If you live in another state, contact your state's attorney general to determine if they are banned in your state and what you can do against this company.
I contacted Title Loan America the first part of March in regard to an Auto Title Loan. Since they advertised they provided loans in my town and state I asked where they were located? The person I spoke with stated that the business was located in Michigan but services were provided Nationwide. I asked about the Interest rate and was told it would be 18%. He explained the process to me and provided me with instructions to proceed. I submitted the required information.
Upon receipt he called me, requested me to go to a specific web site to sign the "ACH Agreement" electronically, which I did. I did not see the contract, nor was I aware of a contract included with the ACH. Once we ended our conversation I went back into the web site and was surprised when I was not able to enter the site. I called Dustin back and was told he would get a copy of the contract to me as soon as everything was completed. All documents were signed March 03, 2014. He told me my payments would be $339.00 per month for 12 months for a $1700.00 Loan. I asked if these services were allowed in Washington State. He stated they were allowed nationwide.
Now yesterday May 13, 2015 my car repoed by Car Loan LLC saying I owed $3600.00 when I have records showing I paid over $3600.00.