I have a loan with western sky I live in MN and they are not legal here. I lost my job in june but kept paying until september and got behind on my mortgage because I was afraid not to pay them. I know what a stupid mistake. anyway i did'nt have anymore money to pay to I stopped paying. I owe them $361.97 from the actual cash I received. I have offered to pay this if they will give me a paid in full but they won't. I received a letter today from Delbert Services saying I owe them 2747.97 for my western sky loan, which was bought by cashcall, but they have western sky on their letter.

Has anyone had a positive experinece with cash call. I only need the $ for two weeks?

I have 2 medical bills which I am paying off every month. Both are from the same company, but one is being collected through a collections agency that is not charging interest and the second one, through a local collections agency, came last month with an extra$10 of interest after a few months on this payment plan, never applied interest before, is this legal? Is there any way of fighting this?

I got a letter today from Delbert Services Demanding payment for a Western Sky loan. I still owe $363 on the loan which I can borrow from a relative if they would give me a payment in full. Cashcall denied this. Anyway, Delbert Services is licensed in MN, but Western Sky is not. What should I do. Please help. Thank you

I am having a VERY hard time paying the 260.02 for my loan every 2 weeks. I called to ask if they could help me with lowering the amount over a longer period of time, and they stated they could not help me. I'm tempted to cancel my ACH, but scared of the penalties. This loan is making my life very stressful trying to make ends meet, and keep my kids fed and a roof over my head. Please help!!!!

I just got off the phone with a representetive from the new mexico attorney office.. He told me that tribal lenders have found a loop hole and pretty much are in free reign of any contract you have signed with them. he then went on to say I can file a complaint, but it will most likely be ignored. then he told me the official place to file a complaint is with the FTC and the CFPB. He said they could take me to court and is possible that i would have to go to their lands and be under their laws. Man, I felt helpless. I will file complaints.

I received funds without my asking for or signing with St Armands group.Ended up closing my checking account due to way too many payday loans and set up repayment agreements with the legal lenders. I have sent several letters to this company requesting an address to send them their money back the would not ever respond with anything but an over infalted amount and still would not give me an address.

I received this reply from Advancemetoday after sending them an e-mail about payday loans being illegal in PA: Thank you for your email. Please be aware that this is a St. Vincent company, St Vincent and the United States are both parties to the General Agreement on Tariffs and Trade (G.A.T.T.), a treaty which specifically permits companies in one country to make consumer loans to citizens of the other. Under the treaty, we are only obligated to follow the federal laws of the United States.

I have a PDL with Cashland. I'm in OH. I have already had an EPP this year. I know if the EFT for my next loan (due 4/5) goes through the bank and is returned/bounced I will go to their collections agency. Is it possible to come up with an agreeable solution with them (the collections people)? And make regular payments to pay off the loan? If I stick to my payment arrangement, will they still call my 'references'? I am sick of the payback-reborrow-payback-reborrow cycle.

http://www.empirestatenews.net/News/20130223-2.html State tells debt collectors not to seek collection on illegal payday loans ALBANY – The New York State Department of Financial Services has sent letters to all debt collectors in New York stating that it is illegal to attempt to collect a debt on a payday loan since such loans are illegal in New York. Payday loans are short-term loans, typically an advance on a paycheck, with extremely high interest rates that violate New York’s criminal usury law, which limits interest to 25 percent.