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Posted: Wed Feb 14, 2007 7:15 am Subject: Advice on Westbury Ventures

I have been dealing with a Ryan Hall from this company. I have filed complaints with this company but I can not get this Ryan to get a clue. I have emailed him over and over and told him I will not pay a PENNY MORE then my state allows.

I recieved the following email from him Tuesday. I have stated in my emails that I have filed complaints and its like he just ignores it.

I need help on what to do with this company. I have also sent VD letters, and CEASE and DESIST. So far no response other then he's calling my home AND work. I have also stated that I will NOT send any money wired or use debit/credit cards. All payments will be mail via money order!

Any input would be GREAT!

Here is the followig email I got from him

Posted: Wed Feb 14, 2007 10:29 am Subject:

Have you spoken with an attorney? Because with sending all of that, and he's still calling- sounds like you might have a case for harassment.

Posted: Wed Feb 14, 2007 11:02 am Subject:

No, I havent. I should check into it though. I'm a single Mother getting no child support and I'm afraid if an attorney gets involved that will be a huge expense that I just cant afford now....

Posted: Wed Feb 14, 2007 12:37 pm Subject:

Tweety - they don't have to honor your Cease & Desist request because they are the creditor. The C&D only applies to collection agencies. As for requesting them to validate the debt, they aren't going to honor that request either, because that is the type of company they are.

I would just ignore the calls and emails now, as you have said what you have to say and informed him of your intentions, and have documentation to show this. Send whatever payment(s) you proposed to get the legal amt. you owe payed off, and when you send the final payment, include a letter stating this is the final payment, you are requesting the loan be paid in full, etc. Make sure each payment is sent via certified mail/return receipt requested, so you have proof that they received each and every payment.

Posted: Wed Feb 14, 2007 1:12 pm Subject:

Tweety, I know you are having problems with this company for quite some time and you have send enough emails without getting any positive results. Keep a log of all these emails and proof of your payments done. There is nothing to worry as long as you followed your state laws. It is wrong for any company to charge excessive interests and fees and not marking the account "closed". You have to get some legal recourse because all your actions till now is going wasted. The attorney will get everything fixed.

Posted: Wed Feb 14, 2007 2:42 pm Subject:

Thanks Passion for the advice.

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