Wester Sky/Cash call
Date: Sat, 09/08/2012 - 13:50
Also, cash call, who is calling me to collect the debt, MUST abide by the fair debt collection act?
I am planning on complaining to the Colorado AG this weekend, but my concern is the contract. Not sure why I am concerned about this one, when I am not about the other 7. I just am.
I took out $850 loan, they took $350 off the top as an origination fee. I have made two payments totalling about $230. In my mind I still owe them roughly $270 in principal and that is it. Am I ruining right? When I attempted to explain my position to cash call, they balked and states the loan was a valid, binding contract...blah, blah, blah and that collection efforts would continue. Bat what pint do they cross the line breaking the fair debt collection act?
Sorry for the long ramble...just need some ammo for this one
Thank you so much!
I too have the same loan with cash call. I followed the instruc
I too have the same loan with cash call. I followed the instructions given in this forum and had them call me one time. They did respond to my email with the standard letter about the binding contract etc. I then sent them a cease and desist letter. I have not heard from them since nor have they attempted to take any more $$ from my bank account this month. I too am nervous but really do feel like I shouldn't be!
Nice. Did you email the C&D letter or fax or mail? I am planni
Nice. Did you email the C&D letter or fax or mail? I am planning on doing that as well. How long ago did you send the C&D letter.
Thank you for your reply!
Send an email to Elissa Chavez, head of disputes. [email]Elissa
Send an email to Elissa Chavez, head of disputes.
[email]Elissa.Chavez@cashcall.com[/email]
Tell her you are settling the principal and that's it. Make that clear.
Also note that they are the creditor so the FDCPA doesn't really apply to them.
What kind of win did you get against Ameriloan? Did you just PI
What kind of win did you get against Ameriloan? Did you just PIF or did you get both PIF and refund? I have emailed them the form letter customized to my situation and have yet to hear ANYTHING back from them?
Hi Cindy, 3 days after I sent my letter I got a PIF statement, w
Hi Cindy, 3 days after I sent my letter I got a PIF statement, well that the account now had a zero balance and no collection activity will continue. I did not get a refund, and I didn't ask for one...I feel the interest I paid over the principal was my penalty for getting into the loan. I have skin in the game, so I am not looking to get anything back, just even. I feel its fair.
Good luck!