I closed my account and now Cash in a Wink is calling...

You know what they want! I would ignore them until I got something in the mail. Why allow yourself to be threatened?

ummmm...Have you sent letters telling them not to call? I second frog, they are only calling for one thing!

Would they know at this point that they can't access my account when they aren't supposed to debit until the 18th???

Plus I am disputing some of the charges with my bank (banks suggestion)so I thought that might be why they are calling.

My opinion here? Do not call them. You will be harrassed via telephone. Do all communcation via email or USPS only. You want documentation of everything.

OK... Now someone from "The Westbury" called. I assume this is the Loan Shop...

This is how the call went:
Me: "This is (name removed for safety. cannr). How may I help you"
Westbury: "This is Ms. Whatever she said her name was from The Westbury..."
Me: "I do not accept personal calls at this number."
Westbury: "This is not a personal matter...."
ME: "Is this office business?",
Westbury:She says "No, but..."
ME: "Then it sounds like a personal matter for which I do not recieve calls at my place of employment." and hung up.

Almost immediately after I got a call on my cell. Message said "This is Ms Whatever from the Westbury calling....(LONG PAUSE)...about....a client. Please call me back immediately so we can handle this voluntarily."

First of all, should I return the call? I think I have an email, should I do that???

Second, can they actually do anything?

i would not call them back

Dont call them back. Do everything via email or regular mail that way you have proof. Did you already send the letters out to them?

I haven't sent them any letters... What letters should I send???

I have emailed both companies revoking their rights to debit my accouts and demanding that all communication be in email or USPS.

chey, do not return the call. From what I understand, Westbury is nasty. You don't need to put up with a harrassing phone call. Do everything via email or USPS. You want documentation of everthing. Email them and ask them what they want. You did send letters revoking their debit authorization and asked them to only contact you via email or USPS. You did what you should have done. Now do everything via email or USPS. Let them put their nastiness in writing. And have you filed any complaints yet?

I sent emails yesterday revoking their right to debit my acccount and to make all contact in email or USPS.

I have not filed any complaints yet. Who do I need to file with?

Ooops.. I forgot to log in... That post was me...

chey, you need to file with the BBB (bbb.org), the FTC (ftc.gov), and your state AG. I just "googled" my state attorney general and the site came up. Look under something called Consumer Protection. Click on that and then look for File a Complaint. Click on that. The BBB and the FTC, you can file on line. I'm not sure about your state AG. Some states, you can file the complaints on line. Others (like mine), you have to download the form and fill them out and mail them in.

I just figured out that Cash in a Wink was formerly A-1 Premium Budget... Anyone know anything about these guys?

I have filed complaints with the BBB and FTC on The Loan Shop and Cash in a Wink and notified both companies by email.

Great job, chey! Now, don't leave out filing complaints with your state AG. They will send letters to these people. Sometimes a letter from the state AG wakes them up a bit!

Cash in a WInk is about to get from me 1) a cease and disist letter and 2) a lawsuit. They have been calling my job and have become abusive and harrasive, so they just revoked their debt!

Quote:

I know this is an old thread, but I wanted to chime in on the Cash in a Wink thread. I took a $400 loan out from CIAW two years ago (along with several other loans). I got behind in paying everyone back and started getting harassing phone calls. I paid back those I could and closed by bank account. I sent cease and desist letters to the remaining companies (including CIAW) explaining that they are illegal in my state and cannot continue to pursue collections and received "paid-in-full" notices from everyone except CIAW.

Last week I started getting phone calls from CIAW's collection department telling me I owed them $850. Following the guidelines on this thread, and from the FTC, I explained that they were an illegal lender in my state and were not allowed to pursue this collection. They called my office six times in one hour and my home four times. I asked repeatedly for them to send me confirmation that I owed the money and how much and they refused telling me that "it's not how we do business." I filed a complain with my states AG office and they referred me to the Office of Financial Institutions. I filed a complaint with them.

CIAW had asked that log in to my account online to check my balance. I did but all it said was my account was in "collections" and would not give me access to my records.

Anyway, as of this week the calls have stopped at both home and work. I logged on to my CIAW account and it now says "paid in full" and "eligible to reloan." LOL. I think the OFI contacted them.

Long story short: fight them at every turn! Don't take "no" for an answer. File a complaint with every agency you can and tell them when they call that they have NO legal grounds to collect this debt. :)