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 Posted: Wed Oct 10, 2007 9:24 am Subject: Advice - Westbury Ventures
Latest Blog Post : http://Punkteri.yesdebtfree.org |
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One of my IPDL's with Crown Lending was sent to Westbury Ventures for collections. I received a letter from Westbury stating that they now own the "past due $300 cash advance" They said the current balance including principal and fees is $480. I had already paid a $90 rollover fee to Crown Lending. I sent Wesbury a debt validation letter. Yesterday I received another letter from them...
| Quote: | A FRIENDLY REMINDER: YOUR ACCOUNT IS PAST DUE.
Your account information with Westbury Ventures is detailed below. Please send payment to the address below or contact one of our account representatives at 1-800-859-6439 to avoid further collection activity.
To ensure proper credit please include your account number and/or your Social Security number on your payment.
Account # Original Creditor Balance
??????? Westbury $480
Your Payment can be made via MoneyGram or electronic withdrawal! Call today to find out what settlement and payment plan options are available to you.
Sincerely,
Christina Hampton
Account Manager
Westbury Ventures
PS--You can pay your account today via MoneyGram. Call 1-800-555-3133 for a MoneyGram location near you, or pay online at emoneygram.com:
Receive Code: 4959
Pay to: LTS Management
Wilmington, DE 19803
Acct #: ??????? |
So....I am assuming they are trying to pass this off as a Debt Validation. First off, they are not the "Original Creditor" and the Account # is just some number they gave my account when they received it from Crown Lending, because it is not the Account # I had for Crown. Crown Lending is in the Bahamas, so I am sure they will not be able to verify the debt. I'm not sure how to handle this from here. Should I send them another Debt Validation letter? I was thinking maybe I would just file complaints on Westbury with the BBB, FTC and my states AG, and see what happens from there. I did file complaints originally on Crown Lending, but that never went anywhere. Any advice would be greatly appreciated. Thanks! (By the way, I'm Teria, I had Denny change my user name)
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Punkteri
Joined: 17 Aug 2007
Posts: 202
Debtcc Points: 3092
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Posted: Wed Oct 10, 2007 11:56 am Subject:
Latest Blog Post : http://frogpatch.yesdebtfree.org |
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Send them another letter telling them that they have failed to vailidate under the fdcpa and to cease and desist all collection immediately or your will file a complaint with the FTC. File it anyway because they won't respond. Also tell them that there client is running an illegal lending operation in your state and that they have no legal right to collect any debt for that company. Let them prove otherwise. I am assuming that in your original letter you asked them to prove all the neccesary points regarding interest etc.
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frogpatch
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Posted: Wed Oct 10, 2007 2:01 pm Subject:
Latest Blog Post : http://Punkteri.yesdebtfree.org |
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That sounds like a good idea Frog. I did ask them to prove all the neccessary points, I used a sample letter I found on this site. I'll send them a letter and file my complaints. I guess they're just trying to see if I'll fall for the BS...Thanks to this site I'm a little smarter than that!  You would think before they purchase these debts, they would take the time to see if they can legally collect them. Thanks for your advice!
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Punkteri
Joined: 17 Aug 2007
Posts: 202
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Posted: Thu Oct 11, 2007 7:43 am Subject:
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Quite frankly I don't they really care if they are legal or not as what they are doing is legal in most states. Just follow frog's advice and follow all of those complaints.
ladybug
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ladybug
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Posted: Fri Oct 12, 2007 8:52 am Subject:
Latest Blog Post : http://Punkteri.yesdebtfree.org |
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My letter has been sent to Westbury and all my complaints have been filed. Now I will just wait and see what happens.
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Punkteri
Joined: 17 Aug 2007
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frogpatch
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Posted: Fri Oct 12, 2007 10:43 am Subject:
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I will definately do that!
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Punkteri
Joined: 17 Aug 2007
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Posted: Thu Oct 18, 2007 8:15 am Subject:
Latest Blog Post : http://Punkteri.yesdebtfree.org |
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I just received this email today from my friends at Westbury....
| Quote: | Reference # XXXXXXXXX
Status: Level 5 Delinquent
Account Holder: Westbury Ventures
Debt: Internet Cash Advance
Dear Customer,
When we issued this loan to you it was with the understanding that payments would be made consecutively until the principal amount was returned, unfortunately at this time our records indicate a history of non payment and intentional evasion of this debt. Also you have actively stopped any attempts we've made to retrieve our funds from the checking account where they were deposited. This is a serious matter and we will take all necessary steps to recover the funds loaned to you as well as any fees that may have accrued while you were delinquent. We have attempted to get in touch with you in various ways trying to re-establish contact and work this out in good faith. We have been acknowledged only with your silence, false promises, or outright refusal at this time you leave us no option other than to begin the processes of recovery. Please touch base with me at your next earliest convenience if you would like to resolve this on a voluntary basis.
A very serious review into this matter will take place at the end of this month, at that time your account may be scheduled for further action.
Christina Hampton
Account Manager
Westbury Ventures
Phone: 1-800-859-6439 ext. 3242
Fax: 1-866-323-6555
champton(at)LTSmanagement.com |
So what exactly is Level 5 Delinquency? I seemed to have missed the letters for 2, 3, & 4 Delinquency!
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Punkteri
Joined: 17 Aug 2007
Posts: 202
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Posted: Thu Oct 18, 2007 8:19 am Subject:
Latest Blog Post : http://Punkteri.yesdebtfree.org |
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I emailed this response to them....
First of all, I was NEVER issued a loan by Westbury Ventures. I have sent you several letters via USPS and email requesting debt validation, which your company chooses to ignore. Once you validate the debt with ALL the information requested, I would be more than happy to work with you. Until then, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809, you must cease and desist all attempts to collect this debt. Because of your lack of cooperation in validating this debt, I have filed complaints with the Better Business Bureau, the Federal Trade Commission and the Attorney General for Wisconsin. For your convenience I have once again attached a copy of my original letter requesting debt validation.
Sincerely,
Punkteri
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Punkteri
Joined: 17 Aug 2007
Posts: 202
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Posted: Thu Oct 18, 2007 8:26 am Subject:
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| Quote: | | Status: Level 5 Delinquent |
Ummmm, ok. Whats after that?? LOL!! Red Alert! LOL!
Nice response back...
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volleyballmom
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Posted: Thu Oct 18, 2007 8:42 am Subject:
Latest Blog Post : http://Punkteri.yesdebtfree.org |
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How high do you think they go? Delinquency Level 100, 101,102...  They probably can't count that high, apparently they can't read either!
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Punkteri
Joined: 17 Aug 2007
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Posted: Thu Oct 18, 2007 9:05 am Subject:
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Well, they certainly can not write. Grammar errors galore in that letter. But what to do you expect from a group of people who can not even follow instructions. And do they think you do not have the documentation verifying your correspondence with them??? Sometimes I get more angry at the fact that they take us for being really stupie more so than the harrassment. ( And i can not spell so do not hold it against me)
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how hard you hit, it matters
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RoxyNY
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Posted: Thu Oct 18, 2007 9:10 am Subject:
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I hear ya Roxy! Sometimes they get so caught up with big words like "and" and "the"!
Well, I would like to know abuot the serious review to take place at the end of the month.
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volleyballmom
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Posted: Thu Oct 18, 2007 9:13 am Subject:
Latest Blog Post : http://Punkteri.yesdebtfree.org |
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Don't worry I won't hold it against you! I can't spell have the time myself!
Another funny thing about these people....Christina Hampton is always the name at the end of the email, but the email always comes from different people....I wonder if she really exists?
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Punkteri
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Posted: Thu Oct 18, 2007 9:16 am Subject:
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I get those too....one name on the email address and then another on the signature line. I just want to ask...Do YOU know who you are??
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volleyballmom
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