Western sky

CashCall is trying to get you to continue to pay what they want you to on an illegal loan. I would not take the offer. Since the loan originated with Western Sky which is illegal everywhere except on their own reservation where they will not lend, CashCall is trying to trick you into paying them money they are not actually entitled to.

What they are saying that that they will "forgive" any past due payments but you will still have to pay the loan in payments of $295.00 until the little over $14,000.00 is paid off. I don't know if you have already paid the principal or not but this is the wrong way to do so if you have not in my opinion.

If you have paid back the $2525.00 you borrowed then pay them nothing else. I know that this is the principal for the payments that CashCall is requesting as it is the same for me and others who have taken out the loans. The most they can do is call you or report you to the credit reporting agencies illegally. Ignore the calls and don't forget to tell your employer that you were the victim of fraud so any calls are not taken seriously. If you are reported to the credit reporting agencies, you can dispute to have this removed on the basis that the loan is illegal.

If you have not done so already, file a complaint with the FTC and your local AG's office or what ever governing body controls Payday Loans in your state

To my knowledge CashCall has not sold any Western Sky loans to a CA but if they do, you can send a C&D letter.

I have actually not heard from CashCall since I sent my letters in October 2012 except to have them send me a copy of the illegal loan agreement itself. This is no proof that the loan is legal, just that they service an illegal loan. I would not worry too much about this.

You may get harassed a little but other then this there is nothing that they can do to you otherwise. I feel that all in all this is a positive outcome.

Hope this helps

I agree completely with jjmcgilvra - The second page of the items they mailed to me state Loan Modification. All is doing is shoving the last 2 payments out by 2 months.

I don' think so.. I was sending them emails stating that I work with them to cover any remaining principle balance to please email me and we can work out a payment arrangement that works for me to do this and they have chosen to ignore those emails, so now I will just wait and see what they do.. I have not gotten any thing from them in the mail since Nov 2nd.

I started my process with them on the 2nd of Oct. and I have only gotten 3 calls from them to date.

We just need to keep each other strong on this one!

I have paid $4700.00 to cash call to date my original loan was for $2500 from Western Sky - immedialtly went to Cash Call i think before the paper work even got to any ones desk.....
I have stop All ACH transactions with them and they e-mailed me stating they will abide by my request. I tried explaining how broke i am and cant pay on this any more and how they are illegal in my state of New hampshire Right now the last payment they took was Oct 1st and they didnt pull anything on Nov 1st like i asked so that part helped considering how overdrawn my account is i have 7 other pdls- and have gotten settements from some 3 of them have marked my accounts paid in full although seeing i dont trust any of them i have kept copies of ALL the e-mails..I told cash call that i have paid almost double and would like my account paid in full. But they havent answered me just keep calling saying to call them immedialtly. Not sure what to do now.:confused:

You should feel very lucky. They call my cell 7or 8 times a day and 7 or 8 on house phone. Last one comes in every night at 8:59. I have paid back principal and a 1000.00 more. I spoke to someone twice waste of time. I cant block number because they call from resticted or 6 or 7 different numbers. Any suggestions would help even tried airhorn.

If you do not recognize the number calling, simply pickup and hangup. You do not need to talk to these scumbags. No where is it written that you have to!

thanks I am doing just that just hope one day the phone will not ring as much just wanted to share how much of a pain in the butt they are

@Vaboy12 - how long ago since you stopped paying them - just curious - it seems like we all are getting different responses from them.. like I sent them my email revoking ACH Oct 2nd, since I have only gotten like 2 emails - a supposed debt verification and 2 loan modification proposals and 3 phone calls...

I stopped mine oct 31. Due to come out nov.1.just nice to know not in it by myself.it helps talking to someone who has been there.thanks

@Vaboy1 - Did you tell them in your letter that you would only communicate via email? Maybe you should send them a c&d letter.send it CMRRR.. I can't understand why they are calling you so much.. But, we are all here for you - luckily even the 3 calls I have gotten from them they are only getting a message that states I am not accepting calls at this time - then I see them on my call log... my phone service offers selective call acceptance the only people that get to ring through are ones that I have programmed in.. sure cuts done on telemarketer calls also..

How much do you still owe them on principal?

And my favorite sections in their supposed loan modification agreement are:

"....to modify the terms of your loan with CashCall (Loan #xxxxxxx)..."
or
"...under the terms of your CashCall Promissory Note and Disclosure Statement (the "Note")..."

I never had a loan with CashCall -- nor do I have or ever will have a CashCall Promissory Note and Disclosure Statement - So not sure what they are talking about, nor do they obviously... Since when they sent me the supposed validation of debt which was never asked for back on 10/16 - They acknowledged that my loan was with WS, when they sent me copies of the original paperwork ... never does it talk there about the fact that they only servicing the loan that supposedly was sold to WS Funding LLC - wonder what WS stands for.servicing a loan does not constitute having a current loan with CashCall and where is this magical "CashCall Promissory Note and Disclosure Statement".. what a load of CRAP!!!!!!

Loan was 1500.00 minus 500.00 fe e so I got 1000.00. I have paid almost 2000.00 back.the first time I talked to them gave me same bs that they were servicing the loan.told them loan was illegal and I had repaid principal back and then some and there would be no more payments.havent answered phone since.will try letter and see if that works.thanks for all your help again

No problem here to help - are you registered with the forums, if not you should!!