One down, one to go.
Date: Mon, 06/03/2013 - 17:53
I had two loans. One for $1,200 from Plain Green and $5,000 for Western Sky/Cash Call.
I had already paid $2,700 to PG, when I sent from ACH letter to PG using the suggested letter on this site. I informed them that I revoked ACH privileges and stated that their loan was illegal in NJ and requested a Paid In Full, as well as a refund for overpayment. I received the standard PG response, of removing my bank info and no further ACH withdraws would be made.
Has anyone ever received a refund from PG for over payment?
Second, and from the sounds of it more challenging, Western Sky/Cash Call.
Received $5,000 from and have paid approximately $3,000 in monthly payments. I have shut their ACH privileges down too. The loan originated with Western Sky.
Here are my questions on CC.
How soon can I expect their calls?
Will they still call after a cease and desist letter and letter of asking for validation of the debt?
I would be willing to pay back the remaining $2,000 of the principal for moral reasons, has anyone had success with them in doing something similar?
Has anyone actually been served civilly?
Has CC tried to garnish anyone's wages?
How long will they try to peruse this? Is it going to be years of calls from them?
I have filed complaints with the State of NJ Banking and Insurance, their initial response was to stop paying, and I would be contacted by an investigater within 2 weeks.
Thanks for any and all help.
Western Sky/CC
If you stated in your letter to only contact you via US mail at your address on record, you should not receive any calls. I did this and have not gotten any calls. You will receive various "payoff" offers from Cash Call but don't fall for any of them. They can not serve you as the loan is actually from Western Sky and no State or Federal court will allow this. Even the Tribe where Western Sky is based on will not arbitrate these. If you revoke wage assessment then they cannot do that either. as you live in NJ, these laws trump for you.
If CC places a delinquent report against your credit report, you can have it removed as an illegal loan. If the Credit reporting agency refuses to remove this, you can file a complaint with the FTC as it is an illegal loan. This is really the only thing they can do. All of your paper work will show Western Sky and unless you sign one of Cash Call's offers then then can do nothing to you.
The calls will start within a
The calls will start within a few days. They can't even serve a civil suit since the loans are illegal. I won't be surprised if they call you even after receiving the Cease and Desist letter. CC can't garnish anyone's wage. So, have no fear at least in that section.
I received like 2 calls -
I received like 2 calls - emailed them and reminded them that all communication was to be via email or US mail only - they responded quickly via email apologizing for calling and that was since Oct of last year... You will get lots of mail from them do not send any back - just file for later.. They turned over to Delbert Services in like March and I sent a C&D right away and haven't heard from them again.
I never received calls from
I never received calls from them after I sent the email, They sent me numerous mailings trying to get me to pay but have not received one in about 2 months or so.