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 Posted: Sat Dec 29, 2007 4:08 am Subject: Westbury - OMG I need help
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I just had $300 taken out of my account from Westbury/Loan Shop Online. I was certain I had them paid in full, and the bank account I had with them is now closed. They found my other checking account - which I'm not sure how - and took $300 out of it. Now, my account is in the negative. I don't have any money for groceries. I obviously did not authorize this charge. Can they do that?
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popixie
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Posted: Sat Dec 29, 2007 6:38 am Subject:
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popixie -
You need to go to your bank and advise them that this was an unauthorized debit and request that it be reversed and this company blocked from your account.
There are many other threads on this site regarding Westbury - reading those threads (and others - just do a search using our search tool on Westbury) may help you understand how this company works, and how to deal with them.
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SUEBEEHONEY70
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Posted: Sat Dec 29, 2007 9:04 am Subject:
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Well, I just got off the phone with my bank, and they've filed a dispute. It'll take 7 to 10 business days. 
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popixie
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Posted: Sat Dec 29, 2007 12:40 pm Subject:
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Did you apply to apply for another payday loan? Just thinking maybe it was from the same company and that's how they got your current banking information. Good luck.
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landrylou
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Posted: Sat Dec 29, 2007 1:09 pm Subject:
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That or they skip traced you...either way get your bank to reverse that debit.
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Leah
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Posted: Tue Jan 01, 2008 3:34 pm Subject: r
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pop, you may want to also consider getting rid of that bank account. Westbury uses many different names. They have your bank account information. They will most likely debit again.
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cannr
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Posted: Tue Jan 01, 2008 5:00 pm Subject:
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Follow cannr's advice it has happened to other people here..do not give out any new account information and please do not ever apply for another pdl they all share there info..
ladybug
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ladybug
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Posted: Tue Jan 01, 2008 9:23 pm Subject:
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Thanks, guys. I'm going to go into my bank and see if I can get a new account number.
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popixie
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Posted: Wed Jan 02, 2008 6:11 am Subject:
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Actually, If they know your bank, it may be easy for them to find any account number you may have there. I would strongly advise going to a completely unrelated bank.
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kashzan
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Posted: Wed Jan 02, 2008 8:22 am Subject:
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Wow! This is horrible, I hope pop is ok, how many names does Westbury go by?
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jaydanielle1
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Posted: Wed Jan 02, 2008 8:30 am Subject:
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Leah, what is skip tracing?
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aminah
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aminah0529
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Posted: Wed Jan 02, 2008 8:35 am Subject:
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Who knows...I have seen the Loanshop, DMSMarketing, SMTM,LLC, XPRESSCASH, LTSManagement Services, Loan Point USA and Whistler Loan Holding Shop...and that was just a few listed with the BBB in New Castle, DE.
I have also learned that the addresses they list in Delaware are just mail boxes...there aren't really businesses there. Really sneaky people...
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laura19544
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Posted: Wed Jan 02, 2008 7:16 pm Subject:
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skip tracing is where they take your ssn and if you use your cking account to pay on certain bills, they can find out who you bank with and once they have that, if they have ur ssn, they can get your account number
_________________
Passion...it is born...and though uninvited, unwelcome, unwwanted...like a cancer, it takes root. It festers. It bleeds. It scabs...Only to rupture and bleed anew. It grows...it thrives...until it consumes. It lives...and so it must die....in time.
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Leah
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Posted: Thu Jan 03, 2008 8:03 am Subject: They did it to me too.
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The Loan Shop / Westbury Ventures took money out of my account without authorization. It was back in October. I went to my bank... BOA and they closed the account, gave me a new account number... filed a dispute and credited my new account with the returned funds. I thought that Westbury would try numerous things to get into the new account so I had password protection added to the account where they would have to verify with a specific password before any information can be given out. I did this because these people have your SS# and everything they need to call the bank up and pretend to be you and get your account number. Maybe some people should add this added measure.
I think they got my new account number because I applied for a new PAY DAY loan but then decided not to take it and the next thing I knew... there was a debit waiting to come out of my account from "The Loan Shop". I didn't even get it from
"The Loan Shop"...
The people at Westbury are so stupid and rude. Be careful of them...
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WestburyVictim
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Posted: Thu Jan 03, 2008 8:08 am Subject:
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That is exactly how they got your new info.You applied for another loan. That is the worst thing you can do, especially after reading these horror stories. Stay away from these pay day loans. .Usually when you apply for a loan there is a clause in it that says you give them authorization to debit any accounts you may have. Well they did just that. So many of these companies are related so If you give one your account number all of them will get it.
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kashzan
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Posted: Thu Jan 03, 2008 8:09 am Subject: Oh yeah...
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Just wanted to add... while I was filing my dispute... the lady on the phone that I filed it with stated... " I just had another lady file a dispute on this same company... who are they?"
Just be very aware of your accounts and watch them closely.
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WestburyVictim
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