plain green help- California

I have a loan from Plain Green. I have learned from this site that they are illegal in Ca. I revoked ACH payment a month ago as my income was impacted from covid so I am behind in payments. Since, I found this site I am now aware I only need to pay my remaining principal payment of $230. On 6/9 I sent them an email with a letter I found on this site stating that they are an illegal lender in my state and that I am only morally obligated to repay the principal amount and I specified how and when I would repay the principal. The next day I received an email back stating they were going to send me to collections since they have been unable to reach me . I responded back to that email the same day by copying and pasting my previous email to them. I just received the response below and I am not sure if I should just resend my previous email again as response or if I need to respond differently. Any thoughts?
Dear Lana,

Thank you for bringing your concerns to our attention. This letter serves as our response.

As was disclosed to you at the time of your loan application, Plain Green, LLC is wholly owned by the Chippewa Cree Tribe of the Rocky Boy's Reservation of Montana, a federally recognized sovereign nation within the U.S. This loan is therefore governed by Tribal law and was made to you in full compliance of all applicable federal and Tribal lending regulations. As a sovereign nation, the Chippewa Cree Tribe is regulated by the Tribal Consumer Protection Bureau, not state law.

The terms and conditions of your loan, including APR and repayment terms, are included in your consumer loan agreement, which was reviewed and signed by you at the time of loan origination. This information is furthermore provided on our website as prominently, clearly and comprehensively as possible. For example, the "Loan Cost & Terms" section of our website, found at plaingreenloansdotcom, provides clear, detailed information on the costs associated with each loan amount to help our customers compare Plain Green's loan offers with loans offered by other lenders.
In addition, because we offer installment loans with no fees or prepayment penalties, you only pay interest for the time that your loan is outstanding. You can choose to pay your loan off at any time, with no penalty. If you have any more questions regarding interest and fees, please revisit the terms of your Loan Agreement. If you did not save a copy at the time of your loan application, you can get a copy by logging on to your account or by calling us at (866) 774-9297. For more information regarding Plain Green, please visit our website at wwwdotplaingreenloansdotcom and click on the 'about us' tab on the bottom left side of the page.

Pursuant to your request, however, we will no longer make further ACH debits from your account. Please let us know if we can further assist you. We thank you for the opportunity to address your concerns.

3 Answers

Plain Green has now sold my account to Northwood Asset Management, I guess they didn’t like my offer to pay only the principle. How do I deal with this collection agency to keep them from harassing everyone I know ?

You just need to repay the principal amount. If they still bnother you, make a complaint to your State's Attorney General.

Read their letter. This is the standard letter that they send usually. It is true that you have signed the loan agreement. However, it is equally true that when you have signed the loan agreement, you didn't know the actual law. So, their argument is not valid. No matter what they say, you're only required to pay the principal amount.That's all. Send them a reply that you're not going to pay a penny for the interest.

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