Complaint Review: Plain Green Loans - P.O. Box 270 Montana

I am writing in to inform new ones what kind of online establishment “Plain Green Loans” is. It started as early as 2011, in which two to three loans had paid in full by the time I applied Tuesday November 19^th, 2013. Everything was going good at first and then April of 2014 came and I started having serious medical problems.

During this time, I had approximately 220 hours of sick leave and 120 hours of annual leave that I could use in lieu of sick leave, if necessary. After seeing the Doctor, he said that I would have to take off for at least a couple of weeks and then I might be able to return to work. Two weeks had come and gone and I was no better that before.

So, after seeing the Doctor again, he said that he would be able to write me a prescription and he could write up another “Under Doctor’s Care” report for two weeks. At first, I was hesitant, but I agreed. I was out for most of April and part of May of 2014.  

Ten full months had passed since I applied for that load. It was the later part of August of 2014.

By this time, Plain Green Loans as well as other “Bill Collectors” was contacted either through phone conversations, email or writing letters. Everyone except “Plain Green Loans” wanted to try to help me in my quest to continue on paying my bills.

Then, on Wednesday, September 10^th 2014, after trying to go back to work, I received a call from work from the Disability Department of my job, with some good news.

He informed me that my “Disability Retirement” that I had applied for in the early part of 2013 had gone through and that I need to clear out, which would take about two – four hrs.  Truly, I had totally forgot that I even applied, thinking that I would never be contacted.  

I asked him, when would I see my first Annuity Payment? He said that the process can take anywhere from six weeks to three months. I let him know that I live by myself and that I’ve exhausted by sick and have maybe one week of annual leave on the books.

Since I was not able to work fully, I had a choice to make. I could either forfeit this “Disability Retirement”, try to continue on working or I could agree and retire, hoping to get my annuity in six weeks.          

Immediately, I contacted “Plain Green Loans” at this point, I was able to reach them by phone as well as email.

When I called in, I was routed to three or four different areas, before I could get some help.  explained everything to them and the Representative basically said that she could give me a two week lead way, which would hike up my interest but, if I couldn’t make the payment in that time frame to call back within two days of the due date.

When I called the second time, it was even harder in getting through. It was almost like they knew who was calling in and was trying to avoid speaking to me.

By this time, I typed a letter up and emailed it to them, waited for a week with no response back. Then, since this letter was generated through a “word program” from my computer, I decided to go in and modify the letter and mail it certified to the address on their website.

Since they did not want to hear my side of the story and eventually get paid in full, I decided to let my Bank know and did a “stop payment” on them, due to them not wanting to work with my current situation.

After about four days, I get an email from them saying that I need to login and review my loan, however, when I tried to logon to my account, it would not let me login. My first letter to them was sent on November 1^st, 2014; the second was December 8^th, 2014; and the third and final attempt was on December 16^th, 2014 to no avail.

The third letter was to inform them that I was receiving some money and that I could go ahead and pay off my loan. When I received my funds in my bank account, which was about a week or less from the time the third letter was sent, I tried contacting them to pay off this payment.  

On December 23^rd, 2014, I received a letter stating that “your debt was sold to National Credit Adjusters, LLC (“NCA”)”.  A month later, I receive another letter from “National Credit Adjusters” offering me a “tax time special settlement offer” that I could not refuse.

On February 27^th, 2015, I asked a Representative from my bank to assist me in the help of transferring some money into another account.

After taking care of setting up, what I like to call, a “transfer account”, I called “National Credit Adjusters” and finally paid the settlement February 27^th, 2015.     

The bottom line is to be careful to whom you’re dealing with online and check them out from the BBB.

I truly hope that no one has to go through the frustration that I went through. Not only is this bad business, it can actually be classified as a scam.