- Report: #1159530
Report - Rebuttal - Arbitrate
Complaint Review: Car Loans LLC
Car Loans LLCPO Box 11 Internet New Zealand
Car Loans LLC Sovereign Lending Solutions LLC Title Loan America Deceptive, Fraudulent, Illegal practices Rarotonga, Cook Islands/Boca Raton, FL Internet/FL
*Consumer Comment: The State of Michigan Attorney General is taking action
*General Comment: They stole my car!
*REBUTTAL Owner of company: Resolution
*Author of original report: Response to Consumer About Resolution
*Consumer Comment: Car Loan Llc Agreemet/resoluton
*Author of original report: Resolution
*Author of original report: Response from the Tribe
*Consumer Comment: Anyone in Washington State dealing with these crooks please read
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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.
This report was posted on Ripoff Report on 07/04/2014 03:26 AM and is a permanent record located here: http://www.ripoffreport.com/r/Car-Loans-LLC/internet/Car-Loans-LLC-Sovereign-Lending-Solutions-LLC-Title-Loan-America-Deceptive-Fraudulent-I-1159530. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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