Western Sky a/k/a Cash Call
Date: Thu, 03/22/2012 - 07:31
This letter is being sent in response to your inquiry of March 21, 2012 in regards to the interest rate charged in conjunction with your loan.
Your loan was funded by Western Sky Financial ("Western Sky") on April 01, 2011, in the amount of $1,000.00, which is the loan amount of $1,500.00 minus the $500.00 Prepaid Finance Charge/Origination Fee. Western Sky is a wholly Cheyenne River Sioux Tribal Member owned business and is located and operates within the exterior boundaries of the Cheyenne River Indian Reservation. Western Sky loans are initiated, approved, issued and disbursed within the confines of the Cheyenne River Indian Reservation. Western Sky is licensed with the Cheyenne River Sioux Tribe. Western Sky does not have any physical presence in your state or any other State of the Union. The laws of the Cheyenne River Sioux Tribe apply exclusively to the terms and conditions of your loan, and you further accepted this choice of law and jurisdiction by executing your loan document. These facts were explained to you when you applied and again when you signed your Promissory Note. As a courtesy, please find attached an additional copy of your loan Note for your records.
Please also be advised that on April 04, 2011,per the NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS e-mail sent to the e-mail address you provided, your loan was sold to WS Funding, LLC, and is currently being serviced by CashCall. If you have any questions regarding your loan, current balance, or payoff amount, you may call our Customer Service department at 1-877-525-2274. Our hours of operation are 6 a.m. to 8 p.m. Pacific time Monday through Friday; 8 a.m. to 12 p.m. Pacific time Saturday. If you are unhappy with Western Sky, WS Funding, or your loan in any respect, we would advise you to pay it off now without penalty.
We hope that this response has answered your questions. Please do not hesitate to contact me if we can be of further assistance.
typical BS
sorry,but that is typical of both these illegal lenders.yes western sky is illegal making cashcall illegal as well.you only owe the principle and nothing these pieces of garbage send changes that.
did i see that right
after reading your post again it says you got the loan on april of 2011?if you had this for about six months before default then you owe nothing.if longer than that then you overpaid.do not pay this piece of garbage another dime.
Thank you!
Thank you so much for your advice and rest assured, I am NOT paying this company another DIME!
Cash Call (Western Sky) sent me to a collection agency!
I did not think I would have to post again but here we are! I received in yesterday's mail a collection letter from so agency in Las Vegas. Of course, I thought I had it with me but I don't (I will scan and post tomorrow). Now what!!!! Can this illegal payday loan company ACTUALLY try to sue me in a NJ court? They say I owe over $2000!
Does anyone have information on law in NJ regarding out of state lenders? I only found info on usry laws. Is there concrete law that says that these companies cannot lend in NJ if they do not possess a NJ license?
no they can't
a bottomfeeder in NV can't sue someone in NJ where neither place is legal.send said place a C&D letter certified mail return receipt.again an illegal tribal lender passes an illegal loan to a illegal piece of dirt in california,and gives it to most likely a bottomfeeder in NV.get the letter out and don't worry about this place whoever they are.
Western Sky
AWESOME!!!! Will do! Thanks again. (I will still post the letter just for FYI purposes).
one minor problem: they will report it to the credit bureaus, an
one minor problem: they will report it to the credit bureaus, and the bureaus won't remove it.
well
not exactly.my friend in IL had them,and got it removed.the key is to file AG complaints and let the credit bureau know that.just disputing doesn't always work,but if a complaint was filed then that makes a big difference.
Ok - so just printed out my credit report and Cash Call is on th
Ok - so just printed out my credit report and Cash Call is on there. How do I get this off? Just file a complaint with my AG's office and send a copy of the credit reporting agencies?
Also, the name of the collection agency is Delbert Services Corporation and they are locate at 7125 Pollock Drive, Las Vegas, NV 89119. Below is the letter.
Delbert Services Corporation is a debt collector attempting to collect a debt and any information obtained will be used for that purpose.
CashCall, Inc. has referred your account number 5776690 to our office for immediate collections. Demand is hereby made for $2,592.61 payable to our office. This amount includes the principal, fees and interest accrued as of the date of this letter. Please note that interest will continue to accrue on this debt as governed by your loan documents. Subject to your rights to dispute the debt as described below, failure to honor this demand will cause escalation of collection and recovery efforts.
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt, or any portion thereof, this office will assume the debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will obtain verification
of the debt or obtain a copy of a judgment and mail you a copy of such judgment or
verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.
If you have any questions, or would like to discuss other possible arrangements, please contact us at 888-400-7750.
Sincerely,
Delbert Services Corporation
NEXT PAGE FOR IMPORTANT INFORMATION
This communication is an attempt to collect a debt and any information obtained will be used for that purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
dcs.l.s
do this
send this place in NV a DV(debt validation)letter.there is a template in soaplady's signature.send it certified mail return receipt.also do not relent with your CR.the original lenders is tribal.point that out as well.cashcall reported an illegal debt that needs to be removed.just don't worry about some collector in NV.
I don't know that you can get it removed from your CR. It is fo
I don't know that you can get it removed from your CR. It is for that reason that I am continuing to pay them. I am attempting to see if they can at least lower the interest to 12% which is what they are legally supposed to charge in my state as an unlicensed lender but I've had no luck in getting it lowered.
I have filed a complaint with my AG who is investigating Cash Call and I filed disputes with Experian and Equifax both of which still have it listed on my credit report. That's fine for now because I've been paying it so it shows as current but if I decide to stop paying on it then I'm effed credit wise.
I've posted a couple of times questioning if anyone has successfully removed it from their CR and haven't received an answer so I'm guessing that no one has. Good luck.
Make sure to check your state's laws on collection agencies. In
Make sure to check your state's laws on collection agencies. In my state, a collection agency cannot commence any collection actions in a state unless they are registered. See if Jersey has the same type of law. If so, check to see if the agency can legally try to collect on the debt. Whether or not this is true, DV them anyway and see what happens. If cannot legally collect, I would honestly think about bringing a suit against them.
Crooks!!!!!!!!!
THEY ARE CROOKS, THEY WILL GET YOU WHEN YOU ARE DESPERATE 4 CASH, I WAS VERY DUM FOR NOT READING THE INTEREST RATE OF THE LOAN, IT WAS MY FAULT FOR TAKING OUT A PREDATOR LOAN. THERE INTEREST IS FUCKING RIDICULOUS, JOHN D ROCKEFELLER HIMSELF COULD NOT AFFORD TO PAY A LOAN BACK FORM THEM, LET ALONE YOU. THIS PEOPLE THAT CALL YOU ARE PURE ASSHOLES, THEY MAKE YOU FEEL LIKE THE SCUM OF THE EARTH FOR MISSING A PAYMENT, DON'T MISS 2 PAYMENTS, OH MY GOD THEY WILL TREAT YOU LIKE YOU JUST KILLED A SENATOR OR SOMETHING. THESE FOLKS ARE ASSHOLES, THEY HARASS YOU DAILY, THEY WILL RING YOUR HOME PHONE CELL PHONE WORK PHONE 51 TIMES A DAY, THEY WILL ASK YOU THINGS LIKE, CAN YOU BORROW FROM YOUR DAD, YOUR MOM, YOUR UNCLE, CAN YOU TAKE OUT A PAYDAY LOAN TO PAY US THIS WEEK? CAN YOU BORROW FROM A SIBLING, THEY WILL NEVER LET YOU OFF THE PHONE. THEY CALL YOU ON SUNDAYS, AND THEY WILL CALL YOU ON DEC. 25. THAT IS RIGHT, THEY DID ME. THEY WILL FLOOD YOUR G MAIL WITH OVER 356 EMAILS, THEY ARE RUTHLESS, AND IF YOU ARE SCARY, THEY WILL MAKE COME TO TEARS, THEY DON'T CARE ABOUT NOTHING BUT THERE MONEY BACK!! DO NOT I REPEAT DO NOT TAKE A LOAN OUT WITH THESE PEOPLE, WHEN YOU MISS THAT FIRST PAYMENT YOU WILL FIND OUT HOW RUTHLESS THEY ARE. I DON'T CARE WHAT YOUR SITUATION IS OR HARD UP YOU ARE FOR MONEY, DON'T DO IT Y'ALL. ROB A BANK FIRST, IT WOULD BE EASIER THAN DEALING WITH THESE PEOPLE, THE ONLY WAY OUT OF THIS LOAN IS CHAPTER 7 BABY! IF YOU PAY IT OFF GOOD BUT MOST PEOPLE CANNOT AFFORD THE INTEREST RATES, YOU HAVE TO GET A LAWYER AND FILE THE BIG B. THEY CANNOT TOUCH YOU THEN, BUT DO IT BEFORE THEY FREEZE YOUR WAGES, THEY CAN AND WILL GARNISH YOUR CHECK, IF YOU DON'T WORK OUT A PROPER ARRANGEMENT WITH THEM. THERE SECRET IS THEY OUR BASED ON AN INDIAN RESERVATION, IN CALI SOMEWHERE, SO THEY DON'T HAVE TO FOLLOW A LOT OF RULES AND REGULATIONS LIKE MOST LENDERS DO, THAT IS WHY THEY CHANGED THERE NAME, BUT THEY ARE STILL CASH CALL/WESTERN SKY, MY LAWYER TOLD ME ALL OF THIS, I AM NOT MAKING NONE OF THIS SHIT UP, I FEEL SO GLAD LIKE A 500 TON BALL HAS BEEN LIFTED OFF MY BACK WHEN I WAS DONE WITH THEM. THAT IS THE REASON I WROTE IN ALL CAPS SO EVERYONE CAN SEE THIS......DON'T DO IT!! AND IF YOU HAVE, SEE A BANKRUPTCY LAWYER ASAP ASAP ASAP!! DO NOT SELL YOUR SOUL 2 THESE DEVILS FOR 2,500. YOU MIGHT NOT GET OUT OF THERE GRASP...:/:confused::?::-x
Dont file bankruptcy over illegal and uncollectable debt.
Dont file bankruptcy over illegal and uncollectable debt.
Was the letter from a company called delbert services
Was the letter from a company called delbert services