Anyone ever heard of Westbury Ventures?

Dixie, Send this correspondence to the Attorney Generals office. The collectors are held responsible also. Do this as soon as possible, KYSIDE38

ok will do and I will let them know that i am turning this over as well.

Dixie I will PM you some info. Kyside38

awsome... thanks :D

I have filled out a complaint and I am sending it today! It is a $300 loan taken in September 2006 and now they say I owe $480!!!!!! I don't think so.

Westbury has several PDL Companies. DSM, MY1, E Payday, and Appolo Funding come to mind. There might be more. Any of these sound familiar?

Any reason why they would not answer a request for a break down of my account?

They just keep sending 2nd notices....

Should I let her know that I have contacted the AG?

Dixie, I let them all know I had contacted Attorney General. It sure does not hurt to have the Law on your side. KYSIDE38

This is her reply:

I would call her and inform her that payday loans are ILLEGAL in my state. I would also tell her about the AG. KYSIDE38

This is what she told me regarding my request for activity in my account. "This can be done with your banking institution. Thanks." JERKS

Of course she wants you to contact her by telephone. She does not want your communications to be documented (as they are using illegal tactics) I would respond that you insist all communications be in writing ,as is your right under the Fair Debt Collection Practices Act, and that you are forwarding all matters in regards to this alleged debt to your State Attorney Generals Office.
Also, have you changed your bank account?

She emailed me back and told me that there was nothing the AG office could do... I forward her all the law! This is actually turning into a really interesting battle! I refuse to call her.. no way... if she wants to communicate with me.. she can email. They had no problem giving me money and taking my money via: internet!

Yes, I have changed my account. My bank was wonderful regarding this.

Well be sure to remind her of her statement that there was nothing the State Attorney general can do when she starts threatening you with arrest or criminal prosecution. What's she going to do? Have you extradicted to Delaware? Hilarious

:o

cbigfan--how do you KNOW they are using illegeal tactics. isn't that being slanderous?

Welcome back Guest! :D

why thanks amy...good to see you are right on top of the keyboard.

Why thank you Guest, not sure what you mean by that.

nothing at all just that you are quick this evening.

Because I have dealt with Westbury many many times. Fortunately, I don't have to anymore because "You know who" got my account with DMS (a Westbury PDL)marked Paid in full. Now I know this will be difficult, but try and restrain yourself from hijacking yet another thread with an anti-Langhorne rant. Let's stay on topic which is supporting Dixie in her dealings with Westbury.

I received the same email. I had a long over 4 years ago in Louisiana and apparently when I moved and changed banks I did not finish paying. I requested copies of my bank statements and added up I paid over $810 for it over a period of time. I have also asked for a breakdown and have received nothing. I receive at least 4 emails a day and can't get any information about the company to even see if they are legit to make a payment arrangement. Any suggestions?

And that makes no sense... If you say I owe money... show me! I guess they know that I over paid

cbigfan7... who is "you know who"?

I sent you a PM on that Dixie

I have to ask... who is Guest? Why are you hiding?

Well once again, she emailed me and I told her that I was waiting for past bank statements from the bank since she refused to provide me with the activity of my account.... haven't heard back from her yet.

Dixie,
I live in NC also and I spoke with someone on Friday about this same company. I am filing a complaint with the AG's office today. I got an email from John Hernandez, and I explained to him I had already paid more that my share and would not be paying another dime. It seems like they read from the same book. I told him that I would be contacting the AG's office. His reponse was "the AG's office did not take out the loan" Okay but the AG's office will be contacting him this week, since I provided them with a copy of all correspondence with this company

Oh today I got another ugly email from Sharon...

Quote:

Yeah, that is there strong-arm tactic they use when you don't pay the way they want you to. Have you filed you complaint with the AG's office yet. I think if you file and I file this week, we should be hearing from them real soon.

Most PDL places try to scare client's into paying by threatening to turn them over to the local prosecuting atty.in order to collect on the post dated check you gave them. HOWEVER,in the state of Missouri I know they do not have this recourse,(and there may be other state''s as well)because the way the law read's is that a NSF check is that you knowingly and willingly wrote the check knowing that it would not clear the bank,therefor defrauding them of their money.A post dated check to a PDL place is not covered by this law because THEY,the PDL placee knew that the check was no good when you wrote it.Therefor they can't cry foul.All they can do is harrass you until you tell them you are filing a complaint for harrassment and they cease and desist.')

When I spoke with the AG's office, the threat referred to by Guest was one of the main things he said the pdl's would try. Mind you they are the ones breaking the lasw with the threats

bdouble... Apparently this is a common response.. I know the state of NC and the AG office didn't take out the loan! Here is her reply "Do what you have to but please provide the information requested to resolve this matter. Also, before you waste your time getting other parties involved you need to make sure you don't owe us funds. We are sure you owe a debt to this company and the state of North Carolina didn't loan you this money; we did. You jumped online and applied for this loan. Thanks."

And yes... I have filed a complaint with the AG

Dixie, Just be patient you will hear from the AG. I know it sure is hard. I think these companies get together and send out the same responses. lol It will all work out. Best Wishes KYSIDE38

Since i sent in my complaint to the AG here, I haven't heard a word from Westbury Ventures. Hopefully they realized that the people of NC are taking control back! Thanks everyone... I AM NOW PDL FREE!!!!!!!!!!!!

she is still bugging me... so to prove my point I gaver her the break down, with the account number from SJM, since she couldn't do the same for me. However, I will not give her copies of my bankstatement... that is none of her business! What do you think?
5/3 +250.00
5/12 -75.00
5/26 -75.00
6/9 -75.00
6/30 -75.00
7/7 -75.00
7/21 -75.00
8/15 -250.00
8/15 -75.00


9/20 +300.00
9/29 -90.00
10/13 -90.00
10/31 -90.00

As of today I have paid you $1,045.00 on a total loan amount of $550.00. That is way above the 36% per year cap in North Carolina, therefore, you must mark this paid in full.

Dixie, I would not let her bug me. Let the AG handle it. I always responded to them to call the AG office. That stops them dead in their tracks. You have got NC law on your side. KYSIDE38

Thanks for your words of encouragement. I just want to prove to her that I do not owe them anything... if the truth is known.. they owe me.

and she is pretty persistant.

Hang in there Dixie, But it will take time. Dont let them get the best of you. Kyside38

Dixie, I know that it is frustating to wait on the AG's office, but I would ignore them. Not only is the rate above the law, but send payday lending is illegal in the state, I am sure they are operating without a license. Which is going to be a problem for them.

Yes they are.. I have checked the AG's office and Secretary of State and they are not licensed to do business in NC

I just don't like being called a liar and a cheat.

is apollo part of Westbury? Same people as DMS??I'm confused! Does anyone have an email contact for Apollo???

Dixie, I just thought about something. Since this is SJM call the vice president Josh Mitchem. Look at the threads his number is there somewhere. Either under SJM or Platinum B he was on the forums for a while. Call him and tell him you've overpaid. KYSIDE38

Thanks kyside.... I will do that