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Payday Loans In MO

Date: Sun, 11/11/2012 - 13:55

Submitted by Duffer74
on Sun, 11/11/2012 - 13:55

Posts: 3 Credits: [Donate]

Total Replies: 7


I had taken out a couple of loans. They were Cash Direct Express, Sure Advance, and Western Sky/Cash Call. I had borrowed $700 and paid $1573.60 from Cash Direct Express. I had borrowed $700 and paid $1392.84 from Sure Advance. I had borrowed $2525 and paid $2525 from Western Sky/Cash Call. I had sent e-mails to Cash Advance and Sure Advance asking for refund. They e-mailed back that they considered the loans paid in full but were not issuing any refunds. I sent an e-mail to Cash Call saying that the loan was paid in full. They responded saying that I still owe over $2800. I was wondering what other options I have left with the three companies. I live in Missouri. Thank you.


Did you send a ACH and voluntary wage assignment revocation to Western Sky. You will also need to close your bank account and open a new one or CashCall will continue to take out the payments.

Since you have paid back the principal on your Western Sky loan and they are an illegal lender, you don't need to send any additional payments. They may still try to call and send mailings to try to make you pay the balance. File a complaint with your state AG office, the FTC and The state of South Dakota. You may also want to file a complaint with California AG office as this is where CashCall is located.

As I said above, Western Sky is an illegal lender so they cannot collect on the loan. you have done your moral obligation of paying back the principal

I would cut your losses on the other two. They will not go after you for any additional payments but since the loan was illegal I don't think that you can force them to refund the overpayment.


lrhall41

Submitted by Jasmine on Sun, 11/11/2012 - 14:26

( Posts: 83 | Credits: )


Congratulations on Cash Direct and Sure Advance - make sure you print the PIF's and keep in a safe place.

Western Sky / Cash Call - I am dealing with also, They started calling on the 12th of Nov.. I have blocked their calls, but I am only receiving like one a day, they get shoved straight into VM... I can still see when they call...

Waffles said that we can send them a Cease and Desist make sure you send it certified mail return receipt requested, that will show proof that it was delivered to them, I have not done, because I can block them from ringing through on my phone.


lrhall41

Submitted by HelpinAZ on Fri, 11/23/2012 - 13:41

( Posts: 1870 | Credits: )


I have closed the checking account. Cash Direct and Sure Advance have agreed that the loan was paid in full. My main concern is Western Sky/Cash Call. I am wanting them to stop with the phone calls and agree that the loan is paid in full. They said that they do not work with third party debt settlement places and will not take partial payments.


lrhall41

Submitted by Duffer74 on Fri, 11/23/2012 - 13:50

( Posts: 3 | Credits: )


Western Sky / Cash Call if the loan originated with Western Sky - the loan it self is illegal due to being tribal.. just stop talking to them on the phone. Your bank account is safe they can not get to it. Now it is really just a waiting game with them.

Waffles may have some other suggestions for you on dealing with them, I know that that main thing is to stay off of the phone with them...


lrhall41

Submitted by HelpinAZ on Fri, 11/23/2012 - 14:07

( Posts: 1870 | Credits: )