Dealing with Delbert Services/CashCall

Don't pay them. Check with your local Attorney General's Office or on the AG's website. They may already be in a lawsuit with them or have already won against them.

I took out a loan in Michigan with Western sky, all of the sudden I had Delbert taking money out of my account. I closed my bank account and opened a new one at a different bank. I paid off my loan with Western Sky at 2200.00 and now I am being told I still owe another 10,000.00. they can stick it. I will not be paying another cent to this company due to the fact that I never signed anything with them. I say close your bank accounts and start over. Just don't give this company any more money.

I live in Illinois and took out a loan from western sky's.we have paid on this loan for 3 years now and it was suppose to be paid off last month.delbert services took another payment out of my account .how do I stop them from taking out more money?

The Missouri AG's office has filed a lawsuit against Western Sky Financial for these loans. You need to contact Missouri AG's office to file a complaint and get guidance. If you haven't already, follow the steps on this board on dealing with unlicensed lenders to secure your bank account and revoke ACH.

stop paying them, it's stupid you've paid over 3000.00 and still owe them 11000 on an original loan of 2500. stop now

My loan originated in Missouri But i now Live in Florida.
Are there any laws about My loan .

I also had a loan thru western sky now delbert services does anyone know if legal in indiana?

I too took a loan with Western Star/Cash Call two years ago and I stopped paying this past July because of financial reasons. I was sent many letter from Cash Call requesting settlement. The letters stopped and in October 2013 I was contacted again by CC and I agreed to make a MoneyGram payment and starting Dec 1, 2013 I agreed to make regular monthly payment, but on through MoneyGram they do not have my account information anymore. I closed my original banking account and only agreed to pay them through MoneyGram. I was going to pay them today for the Dec 1 payment but I have paid them more than what I borrow two years ago so I don't think I will make another payment. At one point I asked what my balance was and I was told that I still owed $1200 and I been paying $395 for a year. At that point I became suspicious and closed my checking acct.

I need advice as well. Delbert is handling my account as well. I don't know what to do.

I live in Columbus ohio. I f these loans are not legal I need to know who to contact to stop paying on this loan I took out for $
2600

Is any action being done to delbert services from nj, I payed my loan off from nj 30% but I'm not going to pay any more

As many of you i got a loan from Western Sky in November of 2012 for $2525.00.I just looked at all of my documents after reading everyones complaints about this matterand i see they are charging me 135% interest.
I have been paying them $295.00 monthly for a year and still owe them $11,568 Dollars . What should i do about this ? I have already paid them $3198. I live in Florida .

Is these companies legal in Louisiana? I did not take out a loan with Delbert services but they are withdrawing money from my acct. I only borrowed $1000 and been paying $198 a month for 16 months. What can I do to stop them from taking an ACH every month

I do believe NJ is working on an investigation -- the best thing would be for you to contact the NJ Dept of Banking and the AG's office to inquire. There are posts on the boards of people who filed complaints and were contacted shortly thereafter because they were actively investigating these loans and the collection efforts of CC and Delbert.

Unregistered in MI - as you have found out, your state has taken action against them. I have posted on the boards a couple of times a letter to send to Delbert in this instance. Research my previous threads in the last half of 2013 and you can find it. Just change it up to meet your situation and include a copy of your state's action against them. They are started to settle and pay fines with various states because they have realized they are not going to win.

I'm in Florida and just got a collection notice from Delbert concerning a Western Sky loan. I had already paid back the principal back and stopped paying. Where's the link to the Cease and Desist order? I can't seem to locate it. Thank you for your time

i also took out a loan with western sky since they were shut down by the goverment cash call took the loan they also were shut down by the goverment, now delbert services has my loan i took out the loan for 2500.00 been paying since april and paid back the money they told me i had 5 yrs left on it at 324 a m onth which totals over 19,000 they made me an settlement, in which i paid it all back except 3 pymnts and could not do it any more then they told me there were 8 more pymnts, and since i defauted on the setllement it would go back to teh 5yr loan, and there would be no more settlements, i cant pay this anymore i told them i was going to see an attorney they also told me to go out and do stuff illegal to get the money, that they didnt care what i did they mentioned a few things in which i cant mention on here, can anyone help me with what to do or how to handle this

Unregistered in FL -- http://www.debtconsolidationcare.com/sites/default/files/forum_comment_attchments/Admin%20Complaint%20FLOFR.pdf

Are they being suid to in nj yet

I understand that NJ is investigating them but I a suit has not been filed as of yet.

I have a loan with cash call and I was suspicious about that loan and I had check with the Pennsylvania department of banking and found out that they are mot license and they are illegal. I had filed a complant with the Attorney General, and the Department Of Banking. They are now suing Cash Call and Delbert and Mr Roddam. Check with your state Ag and Department Of Banking.

Did you find out if legal in indiana?

I live in Chicago, IL and obtained a loan from Western Sky a little over 1yr ago. I received a notice stating that my loan was transferred to Cash call then to Delbert services. I have several questions.1. Are they license to receive payment from me? 2. should I stop paying them? 3. Who can I contact regarding this matter?

I took out my loan with Western Sky in 2012, I lost my job 2013, So Western Sky transfer my loan to CashCall at first they set me up with a 3 month plan to help me at $150.00 per month after the 3rd month the loan goes back to $294.75. I still was having financial problems still no working trying to find work, so I was not able to pay them it has been 6 months still not payments aren't beening made. Now, I am receiving calls from Delbert Services trying to make me an offer on monthly payment that I am not able to pay. I live in Michigan and I did research on this company it is a cease and desist order against CashCall/Delbert Services with DIFS. I will never be able to pay them off the interest rate is to high, my loan was for $2,500 it is probably close to $5,000 now.

I have a loan thru Delbert Services I put a stop payment through my checking account on 12/18/2013 .My payment is for $ 294.46 and they made the amount for $294.45 and the bank allowed them to debit my account on 01/03/2014.
Is this legal ?

Hi,

Do a google search for "consent order western sky pa", the second link down should take you to a list of 2013 Enforcement orders for PA. This appears to be an agreement between Western Sky and the state of PA pertaining to loans made to PA residents. According to it Western Sky can collect the loans principle and the legal 6% interest rate allowed by PA. There is more to it so read carefully, but it is so much better than the 100+% interest rates they are charging.

no loan originated with western sky is legal period the end.treat them like any other illegal.read this and other threads.do not sign,or agree to anything.change your bank account asap knowing that delbert is going down with cashcall,and western sky.

Please give me some detail about Westenr Sky/ Cash Call/ Delbert. I borrowed 1000.00 dollars last December and this month (December 2013) was supposed to be my last payment. They told me last month that my loan was for 24 months. They tried to get me to sign a paper authorizing Delbert to take money from my account. I refused. I have been paying almost 200.00 for the last 12 months. What recourse do I have? Please, anyone with legitimate advice share your information. I live in Arizona. idalia.cuevas @gmail.com

Unregistered - Illinois issued a Cease & Desist against Western Sky. See this link - http://www.idfpr.com/DFI/CCD/Discipline/WesternSkyCDOrder3813.pdf

If it reach a judge I will gladly take responsibility for being is a desperate state of mind and falling for the offer. I am in the State of MI and will begin immediately getting my ducks in a row.

Michigan has already taken action on these WS loans. See this link - http://www.michigan.gov/difs/0,5269,7-303--309801--,00.html. You need to contact the DIFS and let them know that Delbert is trying to collect on these illegal loans. Take the letter on the board and switch it up to meet your needs and enclose a copy of the enforcement action. Yes, Delbert is an in-house collection company owned by CashCall. They are not licensed to mediate and that is a bunch of bull for them to say that. Save yourself some stress, secure your bank account, send them the letter (to all three entities WS, CC and Delber) and report to the MI DIFS as the press release instructs you to. Also, make sure to file formal complaints to your state, the FTC and the CFPB. Let Delbert dare to sue you in a MI court - they know they have an enforcement action against them and yet they are still harassing you - they are bluffing you to get you to pay because they are going under, period. Also, start disputing the item on your credit report - I have posted an example of a letter to send to the CRAs on the boards. Make sure to include a copy of MI action with you dispute.

Clarification on last post - I have posted a letter on the boards to send to Delbert within the past month or so - you need to search the boards for it and use that now that you know MI already has taken action against them.

to add to momofthree's point both cashcall,and delbert have a nice habit of lying under oath in court.so do as momofthree advised,and know not to believe a word that delbert says.

they have a court case pending by CFPB. google it CFPB sues cash call for illegal online loan servicing. you can make a complaint with the CFPB hope this helps

Today I spoke with a representative from Delbert Services who denies that his associate I dentified himself as a representative of Union Group. Then he goes on the say Delbert is an in-house collection agency I indicated that I was totally confused by the information they were conveying and that I want them to just take me to court. He then says that Delbert is a mediation service and the complaint will show that I was uncooperative. What floors me is that he said that my offer for a method of payment (certified check or money order) "is not a secure form of payment." Have anyone been served papers to go to court?

How do you revoke the ACH send C & D?

How do you officially revoke the ACH?

We got a loan from cashcall and than we have been contacted from Delbert Services. I just happened to see that they are being sued from many states and found out that they were not licensed in our state and that is Michigan. Should we keep paying on the loan or stop and report them before we get scammed?

Unregistered - employer contacted - did you have a loan that originated with Western Sky or Cash Call? Delbert is owned by CashCall and handles collections and loan servicing of Western Sky originated loans. The FTC recently won a summary judgment against Western Sky for illegally trying to garnish wages and contacting employers, etc. If you loan was originated directly through Cash Call, then they can try to garnish your wages but would have to take you to court in your state/county and win a judgment against you in order to garnish. We need to determine who your original loan was through before we can help you further.

My loan originated with Western Sky them turned into me doing business with Cash Call. Its been down hill since. Cash Call has really shattered my nerves with their collection tactics that are beyond bullying. My records indicate I borrowed $1,500 (I needed money to cover my mother's funeral). I have since paid over $1,700. The fight started when I offered to settle and was told I still owe over $2,500!!! I tried but these people are impossible to work with. Now I have this so-called "Ann Wilson" calling threatening to serve papers on my job. Yesterday, when I tried to reason with these people and offer to send funds directly to them via mail they would not accept and insisted that I pay with some type of credit card or using a checking account. I have had my checking account closed 3 times because of the constant unauthorized withdrawals they were making and blaming it on miscommunications. Yesterday I repeatedly asked this Delbert Services/Union Group for a mailing address to send money orders and that is when I knew this is a total mess. Who would not agree to a money order/cashiers check? I found myself actually explaining to this person the benefit of the money order. So I question how familiar is he with collections. I even offered to send my method of payment priority mail and would call back to give them the tracking number so they could verify I sent it. They refused to give me an address. So I concluded that they can just take me to court, I will gladly pay any extra fee just to be able to go before a judge and get the information I need and to tell their representative to his/her face what I really think of them - a bunch of illegible crooks!

They are not going to sue you in a US court over a Western Sky loan -- they would automatically waive their claim of tribal immunity. They are desperate in collecting whatever they can due to the fact they are found out and they are going under. First and foremost, did you officially revoke the ACH and any wage garnishment you may have signed? If you never sent the letter that is found under the sticky "dealing with unlicensed lenders" putting them on notice that you are aware this loan is illegal, revoking ACH and wage assignment and placing them on a C&D to only communicate via mail, then that explains the harassment. It has been my experience that as long as you follow the steps outlined on the board, they stop the harassment. What state are you in? Yours may be one that has already taken action against them which you can use against them. DO NOT talk to them on the phone, do not sign anything with them, do not give them access to your bank account or credit card info. Put them on notice of your C&D and file complaints with your state AG, the FTC and the CFPB. They are being sued by over half of the states, the FTC and the CFPB -- they are desperate scum so do not play their game. As far as your employer, tell them your identity has been breached and you are being harassed and to ignore any phone calls. If you have revoked the wage assignment in your contract and they dare mail something to your employer, they will be in violation of the stipulation they have in place with the FTC in the federal action against them. They are bluffing - stop falling for it.

My employer gave me a message that a company was trying to locate me to serve me litigation papers. Turns out it was this Delbert Company. From the looks of previous comments they are the new Cash Call. They will not agree to giving me their address so that I can mail payments to them and dismissed my offer to send it via western union ore money gram. I am stuck between a rock and hard place and cannot afford to give my banking/debit card information and really cannot afford for them to continue to call my employer. Any suggestions?

Unregistered -- you can use the letter under the sticky "dealing with unlicensed lenders" and change it up to meet your situation. Follow all the steps and make sure to send it to all three entities (WS, CC and Delbert) to cover all your bases.

I changed my bank account to stop Delbert Services from taking money out of my account. They call me several times daily, i ignore them and don`t answer anymore, when i was answering them i told them that i was not making anymore payments because the AG in Florida has filed a Lawsuit against them. How do i stop them from calling me ?

I live in Michigan and obtained a loan from Western Sky a little over 1yr ago. I received a notice stating that my loan was transferred to Cash call then to Delbert services. I have several questions.1. Are they license to receive payment from me? 2. should I stop paying them? 3. Who can I contact regarding this matter?

I lived in Reno NV when I got a loan from cash call. About a year later it transferred to Delbert and do to money issues I had to stop paying. I have since moved back to California after being in Reno for two years and Delbert keeps wanting money and has messed up my credit. I have recently contacted them about paying and gave them $166 and asked for a contract for 7 payments of $333. They told me this was okay but have yet to give me the contract and its been 5 days. I have pretty much paid back the loan but they have added interest and now they want over $4k.....how do I stop them?

I live in Michigan. Had loan with ws cashcall paid over 3000.00 on a 2500.00 loan. nothing went toward principle filed with attorney general and they are illegal in Michigan both westernsky cashcall . if you paid principle do not pay anymore and contact attorney generals office they are investigating the companies and are holding hearings with the companies

I took out a loan with cash call in july of 2013. the loan was for 5075 of which 75 was an origination fee. This WAS NOT a payday loan but an installment loan. From everything I am reading, they were only legit in Texas for mortgage loans and now I have searched Attorney General site and the nmls and cannot even find a license for any of it. How should I proceed. Delbert has my loan and never got notice on that. I have paid back about $4300. Should I continue to pay until principal is done or stop all together. They didn't even make the payments big enough to pay any principal each month.

Also, if I am reading it right, on a personal installment loan the interest rate cap is 18%. Anyone know different?

are you in texas?if so then that is correct.even if not the int rate cap varies,but is close to that.so the int rate ws/cc/delbert is charging is waaaaaaaaaay over that.