Non-defaulted Western Sky/CashCall loans being transferred to Delbert

The loan was illegal to begin with so it being transferred to Delbert doesn't make it suddenly legal. Sign nothing and send them a cease and desist letter. Contact your AG's office and division of banking in your state. These people have little to stand on now since 1/2 of the states in the country are suing them and many already ruled that there loans were illegal to begin with.

The originals loans were illegal!! We are all victims here. Send cease and desist letter and contact your states Attorney General, Div of banking, consumer affairs and the FTC via letter!! The more complaints they get the better!

I sent delbert an ACH revocation letter via certified mail. Payment was supposed to be taken out on the 1st. Cash call debited my account. My account never went to cash call and I've never signed an authorization with them to debit my account. I went to my bank and told them what happened. They immediately closed my account and opened up a new one.

I live in MN and need help regarding the Western Sky/Cash Call/Delbert services BS.

Do some research I'm pretty sure MN is suing them.

MN has a lawsuit against Western Sky and Cash Call -- contact the AG's office to get instruction. Also, there is a class action for MN victims. Go to this link and submit your information to be put on the list http://www.baillonthome.com/cases/westernsky. In the meantime, if you haven't already, secure your bank account and send a C&D and ACH to all three entities (WS, CC and Delbert). You can find a letter under the sticky dealing with unlicensed lenders -- just change to match your situation.

I have one of those loans (original amt. $5,000)

I want to do a cease and desist with Delbert but I don't want them dinging my credit..should I keep paying and wait for the outcome of these lawsuites..I am in Texas and did file a complaint with the state and joined the class action

I received the loan originated through Western Sky/Cash Call and it's now with Delbert. I have sent a C&D letter as well as a complaint to my state's AG. I am in Michigan.

I'm in Indiana also...what should I do?

I had a loan with cash call and got a notice recently that it was sold to Delbert. Have not signed anything but they are calling me. Not sure what to do. I live in Florida.

Yo!! I have a loan from WSF that went to CC and has now gone to Delbert Services........Payday loan. What are you looking to find out about?

My $2500 originated with WS but is being serviced by CC. I have NOT received an email or call from Delbert. I do however receive repeated emails from CC offering a settlement. My original loan was $2500 and I owe approx $1600. Of course, Cash Call is on my credit report so... 1) what do I do about the emails 2) what do I do about the credit report? My loan wasn't with CashCall. Thanks!!!

If you wish to pay back the principal that you owe on this illegal debt, then you may do so on your OWN TERMS, offer that you will pay back the remaining principal owned, out of good faith, but only by the time frame that you desire; and if they refuse this just laugh at them and let the idiots bash their heads against the wall- there is nothing they can do.

As for the Credit Report, contact the CRA and dispute the report immediately. Often they will do this but the reports can never remain as they are invalid reports on ILLEGAL DEBT, not only is it a report on a loan from the WRONG ENTITY, but even if it was the fact remains that the debt is illegal..

I have filed complaints with BBB OFR in Florida. I have an open investigation with the OFRcollection practices. Anything Delbert Sends me or tries to rtake from my account I save. I screenshotfro my phone the 10 now 15 numbers they call from.

please help us .... western sky sold our account to Delbert services and we need to know our options

Send them a c&d letter. Don't sign a thing. File complaints with your state ag and div of banking and the FTC. Read this forum

Yes, I have received this notice and I have been working w/ and paying Delbert Services.

They put me in forbearance for 3 months because I was unable to pay the agreed upon $294.. Then I was told that I could get another after paying full payments 2 months in a row, then when that was done I was told that I can't because I don't seem to have problems paying. I can not afford the payment arrangement that I made of $380 but I was going to settle w/my income tax. I have had this loan since Nov/Dec last year for a $2600 loan. This was started w/Western Sky then immediately sold to cashcall, now Delbert. I want to know what can I do? Based on my calculations I have paid almost all of the principal, less almost $100. Please advise... this loan and another payday/high interest loan is eating me alive.

BTW.. I am in GA

Your state of GA has filed suit against Western Sky for these loans. Go to this link and follow instructions - http://law.ga.gov/lawsuit-against-western-sky-financial. In the meantime, secure your bank account and send to all three entities a C&D/ACH revocation (follow the instructions in the sticky "Dealing with Unlicensed lenders" and alter the letter to fit your needs. Make mention of the fact that it just came to your attention these loans are illegal in your state of GA and reference the pending litigation, etc. Offer to pay them the remaining $100 principal balance in return for a PIF and delete the account in its entirety from your credit report. Should they not agree (and they won't), they won't get another dime. You will receive tons of letters from them trying to get you to modify your agreement and/or settle for a reduced amount which will be the amount of the original principal you borrowed. Do not sign anything with them -- THEY ARE ILLEGAL and going down in every state.

OK Great! Thanks so much. That's great info... :) Let me get started ...

My loan originated through Western Sky then to Cash Call and now has transferred to Delbert Svcs. What can I do?

My loan was transferred to Delbert and I live in Texas.

I RECIEVED A LETTERFROM DELBERT COLLECTION THAT CASH CALL GAVE THEM MY ACCOUNT. MY ACCOUNT WAS WITH WESTERN SKY. THE AMOUNT THAT THEY HAVE ON HERE IS NOT RIGHT 3309. I GOT 2500 FROM WESTERN SKY LAST YEAR. THESE ARE RIP OFF PEOPLE. I LIVED IN NORTH CAROLINA. SEND ME AN E-MAIL AS TO WHAT CAN BE DONE. deleted...pm

for one posting in all caps is akin to yelling online so it's rude.two no posting of personal,or solicitory info per the TOS.

My husband just called me and said that someone called them stating that they were serving me papers through Delbert. And that I needed to call them immediately to resolve it. I have paid the principal amount on my loan but they are saying I owe another 2K. What are my options?

you file AG,AND FTC complaints.you do nothing as far as giving whoever called legitimacy.in fact look up wetsrtnsky/cashcall/delbert.this is a three headed loan scam that just broke the law.as they must either have sold the debt,or think that by being this stupid they can get more money before all three go down,and they will go down.so report and ignore.

Unregistered in Texas - go to this link and submit your information to be included in the class action suit http://www.baillonthome.com/cases/westernsky. How much did you borrow, how much have you paid? Be careful not to sign anything with Delbert. If you haven't already, secure your bank account and send ACH revocations to all three entities (use the example in sticky "dealing with unlicensed lenders") and adjust to your situation. Be prepared for a lot of mail trying to get you to modify your agreement -- do not sign anything with them because they will get you to sign a document stating you owe Delbert - not WS. Make sure you submit a complaint with the Texas AG and Texas OCCC. If you have any additional questions you can pm me.

Unregistered in NC - there is a class action in NC regarding these loans and I believe the state of NC has banned them -- I need to look that up. Register with the forum and direct message me and I will try to find the info for you.

I live in Michigan, got a letter from Delbert, saying I need to contact and pay amt in full or they'll come after me

I also live in Michigan, I got a letter from Delbert saying I need to contact in 30 days to settle, I quit paying after 1st payment after all crazy fees and crap and sold to CC I don't know what to do now tho?

Delbert Financial can not make you pay the high interest rate as western sky. I have forwarded all documents to the new jersey state attorney general office and the new york state attorney general office. Please do this for the state you live. Do a letter of unfair credit collection.

Unregistered in MI - Michigan DIFS has taken action against Western Sky Financial for these illegal loans. Please contact them for instruction on what to do http://www.michigan.gov/difs/0,5269,7-303--309801--,00.html.

What can I send delbert to prove they are not suppose to collect same high interst rates?

Just so you know, Delbert is owned and operated out of the same building as CashCall, so no matter what you send them they are not going to budge. Just keep working with the MI DIFS and file complaints with the FTC and CFPB as well. Also, start disputing on your credit reports. If you provide court documentation to Equifax they will remove it. It may take a few tries to get in the right person's hand (don't dispute online), but I know of several people who have had success getting Equifax to delete. Experian, is a whole other animal. They have an inside connection to CC and CC hires Experian programmers, etc. so they have their hooks in.

i need help, got more than i needed from midwestern sky ($2600, somehow cash call and delbert services (without service transfer disclosure to me) started taking out the monthly $294.47 ( 4x already) i stopped the ACH just before they tried taking out again around 12/1, how do I get them to apply some of the payments i made already to an expedited payoff? anyone? In Wisconsin payday loans are only to be in installments up to 451days ( just about 15month), they have me making these installment payments for 47 times, I know i was an idiot or too desperate when i agreed and should have done my homework then, but i trusted my (hope to be soon ex boss) in helping me out with advance on commission, what a mess, please help

I borrowed 2600, from Western Sky, I have paid back 1000 to Delbert Services, I called today for a payoff and was quoted 2800. I live in North Carolina. What can I do?

State AGs in the News
By Bernard Nash , Divonne Smoyer , Andrew G. P. Abraham , and Bryan L. Mosca on January 16th, 2014 Posted in Charities, Consumer Protection, Data Privacy, Healthcare, Intellectual Property

HOT NEWS

Unanimous Supreme Court Holds Class Action Fairness Act Does Not Apply to AG Actions

The U.S. Supreme Court unanimously held this week that suits filed by State AGs based on harm to consumers are not removable to federal court under the Class Action Fairness Act of 2005 (CAFA). this helps give power on state level. so the law of each state is the that will stand in court no more federal interferance

I see from the decision, they allowed him to re-word his complaint in light of the new evidence he discovered. His case is Federal in the Southern District. Mine is in Orange County Circuit Court and against Delbert Services Corp. My arguments are: Since Delbert "purchased" the loan which was prohibited in the first place, they are in violation of SS in attempting to collect, they masked their caller ID, threatened me with criminal prosecution (I have the phone conversations of this on tape), and sent two individuals to my residence (one claiming to be a constable, which under Florida Law is the same as posing as a law enforcement officer) I have the two individuals names and they have been identified as unlicensed private investigators advertising their services on craigslist.

Any western sky loan is illegal and unenforceable, even if it's transferred to delbert... stop paying them.

Unregistered in NC. First, contact the NC Commissioner of Banks to file a complaint against WS/CC and Delbert. Second, there is a letter I posted under "Dealing with Delbert", send that letter to Delbert. Also, there is a huge class action lawsuit against WS and CC in NC -- Thomas Brown, et al v. Western Sky Financial, et al. Google that and get the attorney's name and contact their office so you can be put on the list.

Be persistent with the CRAs -- keep disputing, disputing, disputing. Send them as much paper as you can showing all the lawsuits and actions against them. Be persistent and burry them in paper. You can get the item deleted but you have to stay on top of it.

It depends on what state you are in. In NY, the Attorney General reached a settlement with Western Sky/Cash Call/Delbert where they will have to refund amounts paid over the legal interest rate. They also had to adjust reports to the credit bureaus as well to reflect this.

being evil as they are they will claim that,but they are wrong in the extreme and know it.tell them to ride the tour defrance on a bike with the seat missing.

Received letter dated 3/5/14 that now Consumer Loan Trust is the current creditor of the Western Sky Loan/account. I had received NUMEROUS letters from Delbert offering deals and I ignored all of them. Do I respond to the this letter within the 30 days as instructed by the letter or ignore it as well? I have paid back $6281.16 on a $2600 loan so far and have decided to not pay them another penny. They are marking my credit report. What should I do next?? Thank you!

**I forgot to mention that they say I still owe them $4,245.23.

Do not respond to the letter in any way - other than to send them a cease and desist letter if you would like they hold no bearing - being that Western Sky is a illegal tribal lender. If you do send the C&D letter send it to them CMRRR that way you will have proof that they received it.. If you need a copy, I can show you what I send Delbert!

And I would continue to dispute with the credit reporting agencies.

So here is the latest -- I haven't sent anything to Consumer Loan Trust yet. Again the letter from Delbert says that I have a remaining balance of $4245.23.

HOWEVER, I get an email today that my credit report has changed and it shows a charge-off from Delbert Services for the amount of $2,453.00. Before that Delbert had sent a notice of 120 days late. What does a charge-off mean??? Why is there a discrepancy in the amount now??

I would send them a C&D - and the reason it is different is because they are idiots.. I charge off means they wrote it off their books, and more than likely sold to Consumer Loan Trust for pennies on the dollar - I would continue to dispute.

Yes, keep disputing with the CRA's!

I received a letter dated 3/5/14 as well naming Consumer Trust as the current creditor, but if you look on your credit report from when the intial inquire was done with Western Sky and Cashcall. CashCall is labeled as Consumer Trust. I kept all my documents relating to this and that immediately caught my eye. Also Delbert when I made a complaint to BBB about them, responded the original creditor was Western Sky, LLC, there fore letting me know that Delbert is aware Western Sky is the original creditor in my state of Florida and Western Sky was never licensed in my state but they threw the Tribal Lands skit and how I have to abide by their laws. I got a mark less than a month later on my Credit report after I reported them to the BBB and got a final response from them after not having paid them for 3 months. I disputed it with the CRA and they validated it. I provided the CRA with all my documents but they responded something along the lines where it has to be the originals. I owe them 2553 after paing 3200. Delbert sent me a print out of what was paid after I disputed them and reported them to the BBB and Florida Office of Financial Regulation. Florida now has a suit against them. I am patiently waiting for the response from than so I can push the CRA to remove it from my credit until the, we are in the same boat.

Hi i am in the same boat. I wanted to know what my options are in Kansas. I had a loan of $5000 and have paid that much and more already and still owe over $5000. I want to stop my payments immediately but want to do it in the most appropriate way. Any advice helps!