Has anyone been successful with Cash Call??

CashCall is LEGAL. They are backed by a bank, and because they are, they can get away with the interest rate they are charging.

Do not attempt to treat this company like a PDL - they are NOT a PDL company.

This company CAN and WILL take you to court if you default. The only good thing about that is that if it happens, the interest rate will quite likely be set back to the state-allowed interest rate...but you will end up with a judgement on your credit record - unless you go through mediation in lieu of going to court, and a payment arrangement is set up.

The court is not going to care that CashCall is charging outrageous interest rates. All they will care about are the facts of your case - CashCall loaned you money - you agreed to the terms in the contract - you defaulted on the loan - CashCall wants to be paid. (Please don't take offense to that statement, I'm not trying to be harsh - just showing how it would go in court.) Unless you could prove that you had been making payments all along, and CashCall had wrongly accused you of defaulting, CashCall will win.

Until a governmental body sees fit to stop them from this highway robbery, they will continue. And from what I have seen on this forum about them (never had a loan with them myself), they are ruthless when it comes to being past due.