Western Sky/Cash Call Update for all victims

I am desperate for help with them! I'm beginning my struggle with them today. 12 calls just today. $2500 loan and if you subtract what I've already paid, I owe them $1600 still. Not sure how to address it with them yet. Trying to send my cease and desist letter. They make me very nervous!!

I just sent you a PM with info. Hang in there!

No disrespect to anonymous but for those that might not be aware of the history here there have been tons of complaints filed with FTC, Consumer Protection Bureau, State Attorney Generals etc. A few states have filed things like cease and desist orders which the companies mostly choose to ignore.

It's going to take more court cases from private individuals such as hear to bolster the efforts of the states.

Some of the agencies (states in particular) have limited staff and resources and seem to not want to challenge the whole tribal sovereignty status on their own. Private involvement is going to be essential in bringing down both the "tribal lending' and "offshore lending" models.

The Consumer Finance Protection Bureau, which congress established after the mortgage fiasco is starting to look at these also but being a government agency they act very slowly.

diggerg - I guess I missed the "annonymous" post but you are absolutely right. This is why I have been working behind the scene to put this all in motion. It is just frustrating to me how I read so many posts on these boards complaining and asking for advice on dealing with WS/CC but then they don't want to do anything about it (i.e., fight back). It seems they are complacent to just wait for someone else to do the work for them. Even though I have done the work putting the wheels in motion, when I ask people to join the fight, they would rather just watch from the sidelines but in the meantime will continue to belly ache about their credit reports. I will get off my soap box now....lol. But, for those that are serious about resolving their issues with WS/CC, they can contact me and I will get them on board. Thanks for your support!

I think the anonymous post was in another thread - can you forward me the info again for your contact person - my PM got deleted that is why I have been unable to contact them...

I clicked on your name to try and message you, but that didn't work. I've never pm'd anyone on this site, so I guess I'm confused.Hello,
I saw your posting about CC/WS and the lawsuit that you have started. Is it specific to a state? I wasn't clear by your posting. I'm in Ohio, and am wondering about joining/pursuing, etc. Is it okay for me to post my email here for you, or how do I message you? Thanks!

Just sent you a private message.

I'll join the class action also

please let me know how i can go about doing this. im located in california, and also recently become a victim of cashcall. i would love to join this class action suit

i tried to message you but i cant. please give me more information

i would like to join but not sure how to pm you for information

Not sure what the rules are on being able to send PMs - register with forum, etc.....for ethical reasons, I can not post the information on the public boards. If you can register and verify your information so that you can private message me, I will get you in touch with the proper person.

Just so you know since I received initial contact from them on 6/18th - I have not heard anything at all - are they proceeding?

Yes - there is a lot that I cannot say on the public boards for ethical reasons but I can tell you I did sign off on the initial complaint to be filed last week. They will not be listing everyone until they have class certification. There are a lot of pieces working behind the scene and some VERY, VERY BIG information came out that will blow them out of the water.

Cool - I was just curious since didn't hear from them again,.. feel free to PM me if you can..you also have my private email..

For all of you that are following my posts, I posted a new thread that is waiting to be approved by the moderator but it has some big information on what the Tribal actually is. It is a must read if you are dealing with Western Sky/Cash Call -- if it doesn't come through later today, I will repost it here. For those of you wanting my attorney information, please note that for ethical reasons, I cannot put it on blast on the forums but will provide you with the contact information via private message.

Thanks and hang in there with me......we will take these fraudulent scum down.

Here you go - it finally went through...

http://www.debtconsolidationcare.com/paydayloan/forum/thread113384.html

Im watching tv and commercial comes on call western sky problem solver loan. Problem solved!! Oh how I wish I could reply to this one. Hopefully that reply is coming soon. Just needed to share my thoughts.

That commercial always makes me want to throw up! Maybe we should write letters to the network that shows those commercials and see what that does..

Thats a great thought think I will I always after they say problem solved I say p startedroblem only getting

Hey dont know if you seen this helpinaz. Go under debt consolidation forum read under I made a mistake with cash call there is a post from former employee for cash call collections. I found it interesting.

To share what vaboy12 is talking about - to make it easier to find..... "I am currently employed at CashCall right now as a collector. Although, They are not a collection agency...the collections department is approx. 500 strong and growing. This is the most illegal collection department that i have ever worked for. I have met people who have worked for Shekinah and NCO who now work at CashCall, and they say we are 10 times more illegal. Everyday it is hilarious hearing not just one but all collectors telling 3rd party's or whoever answers the line that they are from the sheriff's, attorney's, legal department, fraud department, court house, and investigation department. They threaten suit, garnishments, actually anything they can think of. The crazy part about it is that all the management knows and they are ok with it. The motto there is "Do what you have to get the money". so whether you are 30-60-90 days late ...you will get these threats guaranteed. I don't consider these guys good collectors they are just total thugs. As a collector myself i never thought i would say this, but i feel bad for the debtor..96% interest. is that even legal.. If you are a customer with CashCall and you are late as little as 30 days...record the phone call,,,you will have an instant lawsuit. "
the company fails to provide copies of contracts or other disclosures concerning the terms and conditions of the loan agreements. Many customers complain that they are being charged userous interest rates in violation of the State law in which they reside. Other complainants report harrassment in the form of extreme or hardcore collection practices which they claim are unnecessasarily used. Customers report the company makes repeated calls to friends and co-workers used as references causing them embarrassment, distress, and jeopordizing their employment. Other complainants allege company representatives treat them like criminals, use threats and rude remarks concerning their families, and threaten them with physical contact if payments are not received.
The company responds to complaints by disputing the complainants allegations, claiming they act in accordance with all state and federal regulations. In some cases, they do issue credits. Allegations of abusive collection tactics are generally not addressed. "
REPORT THEM TO THE ATTORNEY GENERAL AND TO THE FTC
Written by Jack, on 17-05-2008 03:57
I work for them. I know they are worried about lawsuits. Our company has allowed the reps and associates to harrass the *** out of you people. Now that there's changes being made because of the lawsuits all of the reps are being watched very closely. Im not trying to justify anything. Blame Louis Ochoa for letting this all go down. Our CUSTOMERS never should have treated this way. They deserve better. He did nothing while reps were harrassing customers and threatning the customers with lawsuits. Finally Paul Reddam steps in because he dosent want to pay anymore lawsuits from the customers. It's to late Reddam. Your employees hate working there because of people like Ochoa who they cant trust. You work them like slaves and treat them like dirt. And now you wonder why the customers feel harrased? Put that carrot out there that we work so hard for and now you act like you care about the customer? Never. He only cares about MONEY. On behalf of the GOOD employees who actually care about our customer, I appologize for what you have to go through. Record everything. Keep track of multiple calls. Always remember, there talk is cheap. They lie about everything."

The lawsuit has been filed and is public record.

Hopfully we will the final blow with these so called lenders

Looks as if your hard work has finally paid off momofthree....best of luck to you and all others with this!!!

Please don't let them eat you alive. It's just not worth it. I'll bet a bunch of states are going to start suing them now. Question: If the state takes them to court and wins, aren't most victims free from their stranglehold anyway, and don't they usually have to pay restitution? I thought that's what happened in WV.

There are many states, mine included, that refuses to touch the matter and are completely negligent in allowing these predatory lenders to operate. And, yes they still have a hold on you because they continue to trash the credit reports with these bogus loans and have yet to pay a dime in the restitution that has been ordered.