New Member/Long Time Reader -- Need Help with Plain Green and Western Sky

Online lenders must be licensed in Illinois. - I can pretty much guarantee that neither Plain Green or Western Sky are licensed to lend in Illinois, since they are tribal lenders.. And Cash Call didn't buy the loan, I am pretty sure they are only servicing the loan.. You can check with - Illinois Division of Financial Institutions - http://www.idfpr.com/dfidefault.asp - to see if they are licensed to lend..

Plain Green - principal balance left is $970.00 -
WS - principal balance left is $1500.00

I would follow the steps in this link as it sound like you have with others to deal with.. http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html - Plain Green should roll fairly easily! WS will that will take longer.. Remember that you are in control they are illegal, unlicensed tribal lenders. When they agree to your terms, then they get money..if not then ..NOT!! You tell them what you will pay when - like I said PG will be easy... WS well it will drag out for a while but your money will be safe...

Thanks so much, HelpinAZ. I'll definitely utilize your advice. I am worried about anyone contacting my office. Do you know when these companies would start contacting my office or maybe even proceeding with wage garnishment?

Thanks for your help.

Plain Green rolled easily when I contacted them, I had over paid the principal by $1,500, not sure if I will ever get that money back though I did request it.

I stopped ACH payments in time for WS, who did call me right away. I was very clear in my letter to them that there was a cease and desist in contacting me at home, cell, work, or any references listed on my information, and any contact was to be made by US Postal Mail only. I also stated that any calls would be immediately reported to the FTC as a violation of the Fair Debt Collection Act. Make sure your letter revokes any ACH authorization, you are entitled to thanks to the FDIC. Also make sure your letter states that you are revoking any wage garnishment agreement that you may have signed. Give a copy of this to your HR/Payroll Department.

I have only received one call from them, a number in Texas, though I have received a bunch of Blocked calls, which when I have time, will answer and if it is WS/CC then I will very politely remind them of the cease and desist, hang up, and report them.

Good Luck, this website has been a blessing to a lot of us, giving us the tools to fight back.

@ cutlerchi - wage garnishment can only happen if they sue in court and win - so never and as for wage assignment - you can't revoke wage garnishment - what you want to say is you are cancelling any wage assignments you may have signed, you will want to give to your hr department copies. - you will be cancelling that when you send the letters out.. Let your employer know that you have been a victim of fraud.. here to help when can - keep us posted.. if you want you can copy one of your letters on to here before you send and we can review for you.. and even though you are revoking ACH authorization the best way to protect your money is to close down your old account and open a new one not linked to the old one in any way..

@chris.fitz - I would send WS/CC a email reminding them that you have requested that all contact be done via email or mail only and that if you received another call from them you will be reporting them to the FTC... when I sent them this back in Dec - it was mere moments til I received and email from the dispute resolution department basically apologizing for calling.. the calls will not come out of TX - they are in CA...

@HelpinAZ I have received calls from CC spoofing their number all over the country.

According to 800notes.com CC has been reported by users there of using the following phone numbers, or at least how they appear on caller ID's.

214-453-5669--Texas
562-287-5532--CA
843-376-5916--SC
706-956-0336--GA
252-389-8131--NC
918-716-9384--OK
678-818-0207--GA
336-792-7637--NC
919-701-4154--NC
803-335-1437--SC
317-565-1393--IND
773-634-8721--IP Communication (False Name)

OK - still should only take a reminder email - when they originally responded back to me in Oct of last year this was in their email to me " Your account has been placed in a cease and desist status. All communications from CashCall going forward will be communicated in writing through mail or email only." so it made it easy for me to remind them that they were not to be calling me.. that I would report to the FTC if I received another call from them and have not since.. I guess I have gotten lucky in that the haven't called me! Have you reported them to the FTC?

Because I'm a nice person, gave them a grace period last week, my letter to them went to them late last week. Any calls this week will be followed up with an email to CC to remind them, then I will file with the FTC.

Sorry the letter was late in the week 2 weeks ago, so I gave them 5 business days to get their act in order and not call.

When you got your email back from them what did it say - the one acknowledging that they got your ACH revocation?
This is what my letter from them originally said in completion - this was the response to my revoking ACH-
"Dear Customer,
Thank you for your correspondence. I have received your email request to cancel the auto withdrawal on your loan. Your request has been processed effective today. Please keep in mind that your due date is the 1st of every month. Your account has been placed in a cease and desist status. All communications from CashCall going forward will be communicated in writing through mail or email only. I have also sent a Permissible letter to your email and home address this should answer all of your concerns. Have a great day.
Thank you,
Nikki Carmody
Customer Concerns Representative "

I'm a nice person too! - but they wouldn't give us any grace... Now I sent my letter to them Oct 2nd - and I never got a call at all until Nov/Dec.. so it may have been in error - I do get a lot of calls for other people on our house line also.. they were extremely apologetic when I mentioned the FTC.. I have been since turned over to there collections Delbert Services in March - sent a C&D - haven't heard from them since and of course they had my old address on file - forwarding stopped in June - when I sent the C&D to them via CMRRR to them in March I did put my current address on the return envelope to see if they would figure it out - either they are honoring the C&D or can't figure out how to send me more mail... either way I don't care -when they send me something agreeing to the terms I laid out to them on the principal amount still owed they will get something...

I never received an email back. I have not received anything in the mail from them yet either.

How did you send them your letter? You should have gotten something - this is probably why they are calling - because they just think you are late...

I sent it via email, to both the Customer Complaint email as well as their Customer Service email. I was going to mail a physical copy today to them.

@chris.fitz
I looked at 800notes.com and see all those numbers you posted. Are you saying you have received calls from all these numbers and that you know for sure it is cash call? I'm just confused. Looks like others posted that after the c&d that cash call complied with only communicating via mail or whatever the customer wanted. Could it be that cash call has turned it over to a collection agency and that is who is calling? Just curious.

@chris.fitz try these two emails.. info@cashcall.com and custserv@cashcall.com - and it has been short of a time for it to have gone to collections..you could try to fax it to them at...
Customer Service FAX
1-949-225-4699

I received a letter from CC today, with the normal, we don't have to follow any laws, here is a copy of your agreement, yadda yadda yadda. They have not called since last week, so I'm guessing the cease and desist is working with them.

I did receive calls from some of those numbers listed, never answered just googled the number sand found others saying it was CC, so I made the assumption that's who it was. The numbers that did call me were from TX, OK, CA, NC, and SC.

See my other post about my conversation with the State of NJ Banking and Insurance. Short version is the Attorney General of NJ is going to file against WS/CC in the not so distant future. I was instructed to pay the principal on my terms via Postal Money Order.

Well glad to know the received your email... And yes what the NJ banking and insurance said was wonderful to see - that someone actually knows what they are talking about.. and the paying by mail and money order is the best way .. you have a record... keep us posted...

@cutlerchi - any updates?

Interesting information on the Mass. Dept of Banking website about Cash Call, Western Sky, and Delbert Services. Seems in May they issued a c&d against them for violating the usury laws.

I really appreciate the excellent advice. I have drafted my two e-mails that I plan to send to Plain Green and Western Sky/Cash Call. If you guys could look it over to see if I should make any changes I would greatly appreciate it.

Letter to Western Sky/Cash Call:
Dear Western Sky/Cash Call,

It has come to my attention that your loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received $5000.00 and have made 8 payments totaling $3,442.18. I am willing to repay the remaining $1557.82 balance via payment plan.

At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.

Please contact me via e-mail or regular mail to set up payment arrangements.

Looks good to me...

Looks great - the only thing I might add is instead of " Please contact me via e-mail or regular mail to set up payment arrangements." put, "All communication going forward will be in writing only via US mail or email only - you are not allowed to contact me at home, by cell, or at work - also no contact is to be made with any of my references I may have used."

The only other thing may be if you wish to lay out how you wish to repay - set your terms now.. and remind them that payments will be made via money order.

The one for Plain Green will be similar..

Again, I can't thank you guys enough for your advice...Do I e-mail to Western Sky and Cash Call? Or should I fax or send via US Mail?

I would email and fax.....save your money sending US Mail

Last question for now..... does anyone know the proper e-mail addresses to send these out to?

THANKS!

I sent mine from their own website customer service link and copy and paste my letter right in.. Here is the emails that I have and used in Oct...

WS/CC - info@cashcall.com

Plain Green - Support@plaingreenloans.com

Thanks HelpinAZ -- You've been great.

Do you (or anyone) have any insight on negative effects on credit scores this has?

I just read something about New Hampshire signing a C&D against WS/CC and they cited the WV case.

You are more than welcome!! Did you send emails, you should get at least a generic response back so you know they received.. WS/CC is the only one that I have seen report - You will want to start disputing with the Credit reporting agencies and you may have to get the FTC involved to get it off.. I have started process work on all other things on credit, one negative may not have a big of an impact... .

I hear you -- i'll reach out to the credit bureaus and the Illinois AG also.

I still haven't received an e-mail or letter or anything from PG or WS/CC. I sent the e-mails last Saturday. Any guidance on how long the response should take to receive?

Just curious when you sent them - did you at least get the generic responses from them... what happens when you try to log into either of them online? ..
PG's should have looked like this -
"Thank you for contacting Plain Green. This is an auto-acknowledgement confirming the receipt of your message - please do not reply to this email.
Your request has been received and one of our online Representatives will be responding to you within one business day. If your request requires immediate resolution, please call 866.420.7157. Representatives are available Monday through Friday, 8 a.m. to 10 p.m. and Saturday 9 a.m. to 5 p.m. ET, to assist you.
Sincerely,
Plain Green Loans 866.420.7157
8 a.m. – 10 p.m. ET, Monday – Friday
9 a.m. – 5 p.m. ET, Saturday"

WS/CC - this would have came from info@cashcall.com
"Dear Customer,
Thank you for your correspondence. I have received your email request to cancel the auto withdrawal on your loan. Your request has been processed effective today. Please keep in mind that your due date is the 1st of every month. Your account has been placed in a cease and desist status. All communications from CashCall going forward will be communicated in writing through mail or email only. I have also sent a Permissible letter to your email and home address this should answer all of your concerns. Have a great day.
Thank you,
Nikki Carmody
Customer Concerns Representative
Customer Service:
Phone 877-525-2274
Fax 866-900-8344
Monday- Friday 6:00 a.m. - 8:00 p.m. Pacific Time
Saturday 6:00 a.m. - 12:00 p.m. Pacific Time
Collections:
Phone 866-899-1844
Fax 949-225-4699
Monday-Friday 5:00 a.m. - 9:00 p.m. Pacific Time
Saturday 6:00 a.m. - 12:00 p.m. Pacific Time
This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations."

Yes -- I got generic responses and the calls to my cell phone have stopped. Guess it's a waiting game now?

Yes, wanted to make sure you had gotten that at least - that lets you know they have received them! Now just a waiting game.. You will get lots of mail from CC -- just file away - don't send anything back to them.. PG you should hear from quicker and they will offer to settle for principal only - they usually break down in payments for you - remember you are in control though - the payments must work for you - if not counter and then when the agree only - do you send anything and then money order by mail only!

Hello again, all, and thanks for your help two months ago. I managed to settle with Plain Green by following your guys' advice. Western Sky/CashCall has been a little more difficult to deal with.

After sending the initial email to them about only paying the remaining principal, I received a pretty standard document in the mail telling me the same stuff you all said they would. I was pleased that I had not received any calls per my request in the email I sent them. I did, however, get the following email a week ago. Has anyone received this letter, and if so, is there any advice you guys could throw my way since you all have been so helpful so far?

Thanks in advance -- again, I'm in Illinois and have paid roughly $3500 of the $5000 I borrowed. I am trying to pay back the remaining principal to WS/CC. Sorry for the lengthy post!
------------------------------------------------------------------------------------------------------------------------------------------------------------



Do you need assistance in bringing your loan current and get a fresh start with CashCall? Here’s how you can do it: As you may be aware, your CashCall account is currently past due. The delinquent account has been reported to the credit reporting agencies which may negatively affect your credit score. You’re probably asking yourself, “What is CashCall going to do for me?” Here is the answer: We’re prepared to defer your past due payments and change the
due date on your loan to October 1, 2013; bringing your loan completely current if you
do the following by August 16, 2013.
 Pay us at least $486.58 via Credit Card, MoneyGram (Code: 3299 City: Anaheim,
CA), or call to make acceptable arrangements.
 Sign and fax back the attached Deferment Agreement outlining the new terms of your
contract.
 Please Note: Collection activity will not cease during this offer.
Upon completion of the above, we will bring your loan current and give you a fresh start
with CashCall. You won’t have another payment due until October 1, 2013 which should
give you the perfect opportunity to work the CashCall payment back in to your monthly
budget. We will also report your CashCall loan as CURRENT to the credit reporting
agency.
Sincerely,
Michael Barrett
1-866-899-1844 Ext. 6850

----This modification agreement (the “Modification Agreement”) shall confirm the
agreement we have reached to modify the terms of your loan with CashCall
Please read it carefully and be advised that the terms of this Modification
Agreement will only be effective if you sign, date and return the acknowledgement
below. If you fail to sign and return the Modification Agreement by August 16, 2013 the
terms and conditions of this Modification Agreement shall be null and void.
You have represented to CashCall that your financial circumstances have changed such
that you are no longer able to meet the full monthly payment obligation (the "Monthly
Payment Amount") under the terms of your CashCall Promissory Note and Disclosure
Statement (the "Note"). Based on this representation and subject to the terms and
conditions set forth, CashCall has agreed to defer 2 payment(s) and extend the maturity
date of your Note from the current contract maturity date to a new maturity date
(“Modified Maturity Date”).
Please see the details of the modifications as follows:
Payments Deferred: 2
Current Maturity Date: 12/1/2019 Modified Maturity Date: 2/1/2020
As long as CashCall receives your signed and dated acknowledgement and agreement to
this letter by August 16, 2013 the Modified Maturity Date will become effective with
your next monthly payment due on October 1, 2013.
Please be advised that this Modification Agreement will not change the outstanding
balance of your loan, which is currently $5072.87. This is not a payoff amount.
By signing where indicated below, you agree to the following:
CashCall has the right to take any actions it deems appropriate to determine your ability
to pay your obligation under the Note. Such actions include (without limitation) the right
to: (a) order a credit history from any credit reporting bureau(s); and (b) contact your
employer to verify your employment status and compensation.o course of dealing between you and CashCall or any delay or failure on the part of
CashCall in exercising its rights under this modification agreement or the Note will be
deemed a waiver of any of CashCall's rights under this modification agreement or the
Note.
Because of the effect of delinquent payments on the accrual of interest (on simple interest
accounts only), the final payment owing under the Note and this modification agreement
may be different from your other monthly payments. (Please refer to your Note should
you have questions as to the method of interest accrual or call our Customer Service
Department.)
Except as provided above, all other terms and conditions of the Note remain unaffected
and unchanged by this modification agreement and all such terms, conditions, and
provisions of the Note are ratified and confirmed in all respects.
Please review the terms of this agreement carefully. You are welcome to consult with
your own financial advisor or attorney before signing this agreement. You may also
contact CashCall at 1-866-899-1844, with any questions.
Please be advised that the execution of this Modification Agreement may have tax
consequences; you should discuss this with your attorney or tax advisor.
PLEASE NOTE: This modification will not take effect until (i) you sign and date the
Agreement and Acknowledgement (below); (ii) you make the payment of $486.58 as
stated in the cover letter and (iii) CashCall receives an original or faxed copy of the
signed and dated Modification Agreement and Acknowledgement by August 16,
2013. Please keep a copy of this agreement for your records.
Return the signed agreement to: CashCall, Inc., attn: Loss Mitigation Team, P.O Box 66007 Anaheim, CA 92816 or fax it to (949) 225-4697.

Sincerely,
CashCall
1-866-899-1844,

This communication is an attempt to collect a debt and any information obtained will be
used for that purpose. We may report information about your account to credit bureaus.
Late payments, missed payments, or other defaults on your account may be reflected in
your credit report

that is basically a new contract that makes it a cash call loan.meaning legal for now.stick to your guns and don't pay that,or sign that form.in fact file an AG complaint as more AG'S are bringing lawsuits against both places.IL will follow if enough complaints are filed.do that and don't acknowledge even receiving that email.

Yes - this is a typical letter they send to try to trick you into signing a new loan agreement with CashCall. YOU DO NOT WANT TO DO THAT. Do not at any cost sign anything with them. You need to read all of my previous posts regarding their illegality. There is a C&D order issued against them by the Illinois Department of Financial and Public Regulations. You need to contact their office ASAP and get guidance on what you need to do. Also there is a class action lawsuit against WS/CC in your state that is ongoing and heating up after all the new information that has come to light. If you want to PM me I can try and get you that attorneys information as I will have to look for it.

I got about 40 of those in the mail from them - I agree DO NOT REPLY TO AT ALL!!! fist of all you never had a loan with Cash Call, they are merely trying to trick you in to saying you did.. continue to ignore until you get something saying you can pay principal only on your Western Sky loan. You will more than likely eventually get something from their so called collections Delbert Services - when you do just C&D them - it took me like 5 months before I got sent to Delbert

Thanks for the advice as usual, guys. I really appreciate it. I will continue to fight this. Out of curiosity, how often will they call me if I keep fighting? Will they contact my references/work? My initial letter to them told them to never contact me, my references or my work and to only contact me through e-mail and letter. It seems to be working, but curious for how long.

Again, many many thanks.

I never received a phone call once I sent in the C&D. Just the letters trying to trick me to "getting back on track", etc. I just ignored. I revoked ACH in August of 2012 and received final letter from CC on Jan 25, 2013 indicating they would be sending to collections and charging off as of Jan 31st. I received a dunning letter from Delbert Services. Delbert is owned by CashCall. I sent Delbert a C&D letter and CC responded with their normal crap. I received one last letter from Delbert offering a settlement (similar to what is in the offers CC was sending). I rejected it and haven't heard from them since. The only thing they have done is change up the reporting on my credit report to reflect a charge off. I have disputed it with the CRAs 5 times -- all 5 of them coming back "verified" but with some small detail changed. As of right now it is being reported as a "paid" charge off....killing my credit score. Thus, I have a pending lawsuit against them which, if certified, will open up to residents of other states eventually.

Hi guys,

I'd like to first update you all on my situation and thank you very much for the incredible advice you all gave me throughout the summer. I can officially say I am debt-free except for my CashCall/ WS loan.

After my initial offer to them I received several 'last chance' which were all garbage. However, last night I received the following offer which doesn't sound terrible. My question to you all is: If I accept on of these options, will CashCall not report me to credit agencies in any negative manner? The amount that they countered with is more than the principal I owe on the original loan which I had offered to pay, but almost worth it if it means I can wipe the loan off my books and not have it reported negatively to the credit bureaus. If you have the time, please let me know if i'm being scammed or if I pay the amounts in one of the options below, will they clear my name and not report me negatively to any credit agencies? Thanks in advance!



-------------START MESSAGE--------------------
This is your opportunity to save up to approximately $33,408.36 on your CashCall loan. Currently, you have 77 monthly payments of $486.58 remaining on your loan, which adds up to $37,466.66. We want to resolve this matter as quickly as possible and avoid further action, so we are proposing the following settlement offer:

� One lump sum of $4,058.30, due and payable on or before October 18, 2013. This is a 20% reduction of your current principal balance and would result in a savings of approximately $33,408.36.

Or:

� 10 payments of $507.29, beginning (no later than) October 18, 2013 and continuing on the 15th of each succeeding month. This would result in savings of approximately $32,393.76.

Or:

� 1 payment of $253.65 no later than October 18, 2013 and 1 payment of $253.65 no later than October 31, 2013 with continuing payments of $507.29 no later than the 15th of the next 9 succeeding months. This would result in savings of approximately $32,393.76.


NOTE: If you fail to make each monthly payment on time, the terms of the settlement will be null and void and you will be responsible for the full amount owed.
-------END MESSAGE------

any westernsky/csahcall loan is illegal.tell them to take their offer and shove it.cashcall/westernsky is getting moon pounded in many state courts,and this is their attempt to hook you.don't fall for it.

you only owe 1500.00 on this illegal piece of shit loan.just an FYI.

I totally agree with Paul -- this loan is illegal and they are shutting down. This is the normal last chance offer they send everyone -- I received the same type of offer from CC and then from Delbert when they handed it off to them to try to collect. Even if you take their offer, you would have to negotiate on the credit report issue. They will report it negatively and getting it off of your report is next to impossible -- there are hundreds, if not thousands of us who have been fighting this issue for years. Ultimately, the decision is up to you, BUT I would caution you that if your goal is to salvage your credit report, you HAVE TO get that portion in writing from them.

Appreciate your candidness. My fear is having my credit score messed with. As I have completely turned my situation around in the past 4 months, I'd like to keep my score high and be debt-free. What are your thoughts on me calling CashCall and trying to negotiate a lower settlement? My assumption is that they will not budge, but i'd like to hear your advice. Thanks so much.

again they are going down.they are not going to survive this.once that happens the CRA'S will have to delete the entry,or be sued themselves.you can state you only owe 1500.00 and are willing to pay it,but do not go higher than that as these losers deserve no more.

It has been my experience that they do not negotiate. Maybe you will catch them at a good time since they are so desperate to collect anything they can on these illegal loans before being completely shut down and they will work with you. But I agree with Paul -- you don't owe them a dime over $1,500 on this illegal loan. If you can't get them to put the credit reporting issue in writing, then I wouldn't trust them as I have seen them lie straight to a Judge's face in court.

I appreciate all your guys' help and knowledgeable info. Thanks so much! Will keep you all updated.