Resolving Consumer Disputes


  1. Initiation of Dispute Resolution Process
    1. A consumer may initiate a dispute resolution process before the Elem Consumer Finance Department by submitting the following information in writing to the Department:
      1. i.Consumer name, address, phone number, e-mail address
      2. ii.Lender name
      3. Date, account number and principal amount of loan, if any
      4. iv.Amounts paid on the loan, if any
      5. Nature of dispute
      6. Requested relief
    2. The Department may provide a Dispute Resolution Request Form for use by consumers.
    3. The consumer may send the written submission to the Department by e-mail to or by US Mail to ECFD Dispute Resolution, PO Box 2583, Clearlake, CA 95422.
    4. The Department currently does not charge a fee for the processing of consumer disputes.
    5. e.The Department will send acknowledgement in writing to the consumer of its receipt of a complete submission, or identify in writing to the consumer any missing information, within 72 hours of receipt of the consumer’s submission.

  2. Initial Processing by Department: Investigation; Report; Determination and Recommended Resolution
    1. Upon receipt of complete submission, Department shall immediately undertake an investigation of the matter.
    2. The investigation may include any or all of the following:
      1. Examination of relevant documents
      2. Interview of witnesses and other persons possessing information relevant to the dispute
      3. Review of consumer’s interactions with the Lender and/or related entities involved in the processing of loan applications and/or servicing of accounts
    3. The Department shall make its best effort to conclude the investigation within ten (10) days after its receipt of a complete submission or such other time frame as it may determine to be reasonable given the nature of the dispute.
    4. Once the investigation has been completed, the Department shall prepare a report that includes a determination regarding the dispute, including recommended resolution.
    5. The Department shall then provide written notice to the consumer and the Lender summarizing the Department’s determination and recommendation and notifying the consumer of his/her right to request a hearing should the consumer not be satisfied with the determination and recommendation of the Department regarding the dispute.
    6. The Department shall make its best effort to provide such written notice within twenty-one (21) days after its receipt of a complete submission from the consumer or such other time frame as it may determine to be reasonable given the nature of the dispute.

  3. Hearings
    1. The Department shall conduct a hearing if it receives a timely hearing request from the consumer. A consumer’s hearing request will be timely if received by the Department via e-mail to or US mail to ECFD Dispute Resolution, PO Box 2583, Clearlake, CA 95422, within ten (10) days after the date of the Department’s written notice of determination.
    2. The following procedure shall apply to hearings conducted by the Department:
      1. The Department shall provide written notice of the date, time and location of the hearing to the consumer, Lender and any witnesses at least ten (10) days in advance of the hearing.
      2. The consumer will have the right to attend the hearing in person or via electronic videoconference
      3. The consumer shall have the right to be represented by an attorney
      4. The hearing shall be conducted by Department personnel or, in the Department’s sole discretion, a designated third party neutral.
      5. At the hearing, the Department or its designee shall first present its report regarding the dispute, including its determination and recommendations regarding resolution.
      6. The consumer shall then be given the opportunity to respond to the report of the Department.
      7. Any witness with relevant knowledge or information regarding the dispute may be asked to give testimony.

  4. Decisions of the Department
    1. The Department shall issue a decision in writing, explaining the reasons for its decision following a hearing, and describing any remedy it deems appropriate, within ten (10) days after the hearing.
    2. The Department’s written decision shall be sent to the consumer and Lender.
    3. In the event no hearing is timely requested, the written notice referenced in section 2.e above shall be the decision of the Department.
    4. Every decision of the Department shall be final and not subject to appeal.

You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt and we may pull your credit in order to determine your eligibility and ability to pay.

Once you fill out an application, one of our customer service representatives will help you complete the loan process, which will include verification of certain personal information prior to final approval and funding of the loan. Loans from Right Now Loans are usually funded by Automated Clearing House (ACH) electronic crediting directly to your bank account. If your loan application is reviewed and approved after 2:00 PM CST, loan funds will usually be available the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” may extend the time for the deposit and may cause a change in the time that you receive your loan proceeds.

Right Now Loans Lending ( “Right Now Loans”) is a subsidiary of SBR Enterprises, a wholly owned economic arm and instrumentality of a Native American entity formed under the laws of and operated by the Elem Indian Colony of Pomo Indians (the “Tribe”), a federally recognized sovereign American Indian Tribe located within the United States. Right Now Loans abides by all applicable federal laws and the laws and lending codes enacted by the Tribe’s federally recognized sovereign government. As a wholly owned tribal entity, Right Now Loans is licensed by the Elem Indian Colony of Pomo Indian’s Tribal Consumer Finance Department.

Please note: This is a very expensive form of borrowing. Right Now Loans Installment Loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Right Now Loans never charges any prepayment penalties. Prompt repayment of your loan will reduce the overall cost associated with borrowing and is strongly recommended by Right Now Loans.

Non- payment may result in additional fees and collection activities as described in your loan agreement and as allowed by Tribal and applicable federal law.

Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice. Currently, residents of Alabama, Arkansas, Connecticut, District of Columbia, Florida, Georgia, Illinois, Maryland, Massachusetts, Minnesota, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, South Dakota, Vermont, Virginia, West Virginia are not eligible to receive a loan from Right Now Loans.



  •    PO Box 4102 Clearlake, CA 95422

  •   Toll Free: 1-866-660-8743
           Tribal Dispute: 1-866-399-8594

  •   Fax: 1-707-361-0507

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