WS/CC - New Update...

@ momofthree27 - Thanks I will probally use your letter structure and tweak to fit me here in Arizona... I will keep you posted - I haven't started with fighting the CRA's yet... Did you mail the letter or email it?

Ahh.....the dunning letter. I posted the response I sent to them a couple of weeks ago after I received the same letter. In response to my dispute to their dunning letter, I received the letter from Cash Call. Yesterday I received another letter from Delbert offering a settlement of $1,277 which is supposed to represent 50% of the principal balance they say I owe. However, I have overpaid this loan by close to $1,100 so. It was the same formatting and wording used by all the letters received from Cash Call with their main purpose to get me to call them, which I refuse to do only opting to correspond in writing, which they have ignored each and every time. I do not want to pay another dime on this illegal loan that I have already overpaid, but I might consider a small settlement if they agree to remove the account in its entirety from my credit report....this is really the only leverage they have as I have yet to find a way to bump the illegal loan from my credit reports. I am on round three with the CRAs over this illegal loan being reported on my credit report by a company that does not own the loan and is not the original creditor. There just seems to be some type of loophole they are using to report to the CRAs....

OK got letter from Delbert - they are demanding that I pay $4647.66 they are giving me 30 days from the 19th of March to respond to the validity of the debt.. I will be drafting up a letter to send to them... This week.. reminding them that they are collecting on an illegal debt that my records only show that I owe - $1398.47 towards the principal - what all should I send them - any suggestions?

That's what I suspected all along.....they are all intertwined so you are really just dealing with the same people. Today is the last day to respond to their "settlement" offer. I'm not sure whether I am going to respond or not. On the one hand, I want to be done with these people and move on with my life, but on the other I want to fight this all the way for all of the people they have defrauded and taken advantage of. Nothing would make me happier than to see these people shut down. The further and further I get into this I realize it's not really WS that is behind this scam - it's really Cash Call. WS is just the front they use to pull off the same loan scam that they have been shut down from using in the past. I'll keep you posted on my end too.

On the 27th, I sent the letter to Delbert via CMRRR, I also faxed to the number on their website as posted above... when we got the fax receipt back it shows under station name number sent to --- CashCall. Inc.-- Thought you all would find that interesting..

I sent the letter via CMRRR and I faxed it to Delbert Services at (702) 318-5712. While I was searching for the fax number, I stumbled on to the owners of Delbert, one of which is Paul Reddam - who owns Cash Call and who has admitted has an arrangement with WS.

Interestingly, I got a very prompt response that came straight from Cash Call with the same "you owe us", "you knew the terms of the loan," etc. They included a copy of the contract with WS, but nothing showing they have the authority to collect on the alleged debt and nothing about the supposed "owner" of the debt, WS Funding. Just the same old "you owe CC - this is a valid debt, etc." crap they always send.

Before I mail out I wanted to get someones opinion...
Delbert Services Corporation
7125 Pollock Drive
Las Vegas, Nevada 89119

March 26, 2013
Dear Delbert Services Corporation:

I am writing in reference to Delbert Services Corporation account number XXXXXXX. I hereby demand you cease and desist ALL contact with me, and anyone associated with me, including friends, family, and coworkers regarding account number XXXXXXX, original creditor Western Sky Financial.

I am in receipt of your correspondence dated March 19, 2013 regarding the above account placed with your office by WS Funding, LLC (serviced by CashCall, Inc.). (A copy is attached for your convenience.) I vehemently dispute the claim of your debt collection notice. Please note that pursuant to the Fair Debt Collection Practices Act, Section 809(b), the Arizona Finance Code, and Arizona Fair Debt Collection Practices Act, I am mailing you this dispute letter within 30 days of receiving your dunning letter. I received said letter on the 25th of March, 2013.

Your notice states that the account was placed with your office by WS Funding, LLC (serviced by CashCall, Inc.). I have never received any written notification by Western Sky Financial, LLC that the account was sold to or is owned by WS Funding, LLC. Further, I have never been contacted by WS Funding, LLC regarding this account. On information and belief, WS Funding, LLC is a “doe” entity with no record of registration. Therefore, pursuant to the guidelines set forth in the FDCPA, the Arizona Finance Code, and the Arizona Fair Debt Collection Practices Act, please provide me with evidence that WS Funding, LLC has the proper authority to place this account with your office for collection, together with contact information, including proof of organization and existence of WS Funding, LLC, the physical and mailing addresses for WS Funding, LLC, and a telephone number for WS Funding, LLC. This is a request for information pertaining to the alleged original creditor, WS Funding, LLC, not “loan servicer” CashCall, Inc.

Further, as I am sure you are quite aware, Western Sky Financial, LLC, a South Dakota chartered LLC is not a licensed lender in the state of Arizona (or in any state in the United States) as required by the Arizona Finance Code. I live in the State of Arizona where pay day loans are prohibited in my state, plus the fact that the original creditor is located on an Indian reservation. Western Sky Financial, LLC blatantly and knowingly violated multiple sections of the Arizona Finance Code when it issued the loan you referenced in your notice. Therefore; the contract is null and void and unenforceable. Thus, you are collecting on an invalid debt and I am quite sure you are aware of this. Any further communication from you to me or anyone associated with me in regards to this illegal debt will be taken a violation of the FDCPA and I will not only report you to the FTC and my state AG, but I will take legal action against you.

Govern yourself accordingly.

I have everything in a file - since WS to now.. I have heard nothing from Delbert at all.. so not even sure when officially they got the account since I was not looking daily - I don't talk to anyone on the phone.. so no issue there.. I will keep you all posted, just wanted to let you know where I was in this.. I don't let it control me .. that's why I let it go a month since I realized I had stopped getting mail from them. LOL.. So far they are telling me that WS sent my loan to Cash Call to service and now Cash Call has sent it to Delbert to service, oh well.. illegal is still illegal and unlicensed to lend in my state..

This is just typical of what some of the big operators are doing. Guys like Reddam, Scott Tucker, and Carey Brown create a myriad of companies to hide behind. They also exploit the laws and in some cases Native Americans. The only people making money here are these guys. The "tribes" receives almost nothing for letting their names be used.

Sooner or later they're going to nail Western Sky/CashCall/Delbert/WS Funding to the wall and it's going to stick.
The "offshore" lenders really don't have a presence other than an address in most cases. Sooner or later they're going to get nailed.
In your case I wouldn't accept a letter from someone claiming to be a loan servicer, especially when you have conflicting information on who originated the loan, etc.

Keep track of everything you get from them, don't talk to anyone on the phone and keep printouts of any website screen shots that show conflicting information.

This is exactly where I am at with them. And after doing a little digging I found that Paul Reddam who owns Cash Call also owns Delbert. There's nothing "outside" about this collector. I received a dunning letter from Delbert and responded with my dispute. Interesting thing is I received a letter from Cash Call referencing my inquiry to them (I didn't inquire anything of them, I disputed account with Delbert). The letter read like I have a loan with Cash Call and that I owe Cash Call same as always, however, the dunning letter stated that the loan was a WS loan owned by WS Funding, LLC. Of course, we all know WS Funding, LLC doesn't really exist. What I found even more funny is the fact that Cash Call's letter instructs me to make all future inquiries to Delbert.....duh, I did. I haven't received a phone call from Delbert to date, just the dunning letter. I am waiting to see if they respond with the original creditor (WS/WS Funding) contact information per my request. Surely a letter from a "loan servicer" claiming I owe the "loan servicer" does not meet this requirement.....lol. I'm also watching my CRs to see if they place a collection account on my reports. I am on my third round of disputes with the CRAs regarding the reporting by CC on my credit report.

Just a quick question - don't they have to provide the original creditor's/owner of the loans contact information if I request it? How can they just provide a letter from the "loan servicer" stating I have a loan with "loan servicer" and that they deem it accurate and valid. What am I missing?

@ momofthree27 - I thought the letter looked good... I will send out today - CMRRR... I will fax also... thanks for the input, I will keep you posted -- I left my old address on the letter and put my new on the envelope we'll also test how smart they are... LOL

I did find another fax number for them - 855-983-3523 from their own website - http://www.delbertservices.com/contactus.aspx

I'm preparing myself to take them on as well. They are scum.

HelpinAZ - look at this and let me know what your thoughts are. it is becoming more and more apparent that the Tribe doesn't want anything to do with these illegal loans. It seems that the who Tribal Court arbitration, etc. is a bunch of BS.....

http://turtletalk.wordpress.com/2013/04/02/update-in-inetianbor-v-cashcall-western-sky-financial-federal-court-reopens-case/

WOW - it does appear that they are trying to wash their hands of the bad light that these loans are causing..

I have not heard anything from Delbert since I mailed them the letter I know they received it on the 29th of March...

HelpinAZ - I think we might all take a page from this brave man's book and go around CC and WS and contact the CRST tribal court directly (this seems to have really rattled CC from their responsive pleadings) and get their take on the issue. They are charged with being the governing body on these illegal loan agreements, but they seem to have a different view....quoting from Plaintiff's Notice of Compliance with Order Compelling Arbitration and Report Regarding the Status of the Case (Docket No. 36): "Plaintiff in good faith effort and as ordered attempted to establish a place, date and time for the Arbitration before a Panel of three Members of the Tribal council at a Cheyenne River Sioux Tribe Reservation in accordance with the agreement, but the Tribe through Hon. Judge Mona R. Demery clearly stated that the Cheyenne River sioux Tribe does not conduct Arbitration at the Reservation.....and any claim of arbitration being conducted at the reservation is complete [sic] false." In fact, in the pleading Plaintiff goes on to claim that the people he was in contact with at the reservation, court, legal and chairman's offices, all had complete despise for the actions of the Defendant (Cash Call) for misrepresenting what the tribe stands for. I wonder if we all started going around Cash Call and Western Sky and going striaght to the Tribal Council what would happen? It's definitely a thought. I wonder if the FTC knows that the aribtration clause is nonexistent?

Never heard of Kramer Assc. in relation to WS/ CC... Vaboy12, can you please register with the forums?

I am in the place you are with cash call yesterday a guy called me from kramer assc. Have you ever heard of them I keep hearind delbert

What state are you in Vaboy12? Register with the forum and let us know the details so we can help you sort this out.

Have you heard of kramer and assc. That is who my loan got turned over to

I am registed wit forum since oct. I have been going thru everything as you two stopped loan in oct received last chance to accept settlement or would be turned over to 3rd partu collection got a phone call from kramet and assc. Representing cash call.hung up on them read and learn alot on forum I havent seen this name usually delbert

I have been a member since oct I still sign in yes ws/cc loan I stopped payment in oct have been through everything u have mine just got turned over to kramer and assc first og april

I live in va.

I did find a website for a Kramer & Associates
kramercollects.com

I wonder if WS/CC is using a new collector since Delbert Services has been shown to be part of the same company as WS/CC?

Send a cease and desist to Kramer and Asses.

Dear Kraemer and Asses,
I hereby demand you cease and desist any and all contact with me and anyone associated with me in regards to account #____________________ original creditor Western Sky,. Western Sky is an tribal lender who does not have a license to lend in my state of VA, thus making the loan nul and void. Should you fail to abide by this cease and desist, I will pursue you for statutory damages under the FDCPA.
Govern yourself accordingly.

Sorry Vaboy12 - you were showing up on mine as unregistered.. not sure why... SOAPLADY is giving you the info you need.. I have just never heard of Kraemer and Assc.. I just got my letter from Delbert in March of this year - so they were still using them then..

Vaboy12 - can you give us the details you have on Kramer & Assoc -- address, phone number, etc. if you have it. I want to do a little research on this since this is the first time anyone other than Delbert collecting on behalf of Cash Call has come up. I am guessing it might have something to do with the fact that Delbert is getting hammered by some of the states for collecting on these illegal loans and the fact that Reddam who owns Cash Call also owns Delbert. They may be trying a new tactic with a new agency. Thanks!

Only got phone call no letter yet .phone number comes up 18889591420. I made last payment to cash call in october I have received all the same letters as you have last chance to settle was march 30 or it would be turned over to third party collection. My principal has been and they got 500.00 fee but overpaid 800.00.

My loan is similar to yours last payment to cc was oct. Got all the same letters as you march 30 last day to settle or turned over to third pary collector just got first call from kramer on april 16. My principal is paid off. Thank you for all your help. Havent got anywhere getting them off my credit reports. Will keep you updated

Am sendind c and d letter.let I know if I get a letter from kramer so far just phone call thanks for your help

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