Western sky cash call loans

Just to update for you a little Vaboy12 - I know that he has sent Kramer & Assoc and C&D and within hours of them receiving it Certified Mail, they were already calling him again. I told him to report to the FTC.. looking for some more assistance for him since no one else that had a Western Sky loan has been turned over to anyone other than Delbert?

HelpinAZ - I'm wondering if the ones turned over to Kramer & Assoc are AFTER people with Western Sky loans remodify and sign docs saying they owe CashCall. I believe Vaboy12's was this situation and after looking into it a little this is the only thing I can think of that would make the handling different. Just a thought....

Its vaboy12. So does that mean my loan is legal and do I need to contact them? I am still trying to figure all this out. My loan is almost the same as yours. Last payment was sept. And march turned over why is mine different?

No - it doesn't make it legal.....it was originated through Western Sky. I had talked to someone else who took out a WS loan and then actually signed the remodification with Cash Call and still couldn't keep up with it and defaulted and they sent them to Kramer & Assoc as well instead of Delbert. I was only wondering if that was a commonality....guess not. I would just keep sending them the C&D letter over and over and if they do call, keep a log so you can get them on violations of the FDCPA.

I agree - I did not realize you had signed something from Cash Call? I would send C&D again via fa only... you have proof that you sent via CMRRR -- you only have to do that once.. I would file a complaint with the FTC. since they are continuing to call. When I searched for Cash Call in VA - I also did not find them as licensed. If you get sick of them continuing to call I would block their number they have already violated the C&D ..

She got me confused with someone else. I havent signed anything since my loan with ws. I received all the letters about modifying my loan but I just ignored them. do you think I can still fight this thing? I might need alot of help getting through this.

Yes you can still fight. Just let us know how you are doing. We are good at giving encouragement. Hang in there!

Yes, I also still think you can fight and win.. I just was hoping to get some idea for you on why Kramer instead of Delbert.. Like I said you should report them to the FTC for violating the C&D and then I would block their number and ignore.. We are all here for you...

Thanks everyone for your help. As long as,you guys,still think it is,illegal im gonna fight. My principal was,paid and im willing to fight it. I asked them to validate debt because they listed cc as original creditor no mention of ws. See what happens.keep you updated

Vaboy - this is same situation as other poster I got you confused with (sorry about that). No ,emotion of Western Sky or WS Funding - listing OC as Cash Call.....this just seems to have happened within the last couple of weeks....either someone screwed up when sending accounts to collections or they are changing their tactics to try to stay ahead of the AG bans and lawsuits. Keep us posted.

I have a question can cash call report on your credit report and also kramer and assoc show up on it or can it only report as cash call. I ordered a credit report just want to know. My letter from kramer states reporting to credit report .

Well both can try - I would dispute Cash Call since they are technically only servicing the loan.. they loan is illegal due to being a Western Sky Loan.. and if Kramer starts to report dispute since you never had a loan with Cash Call and that is who they keep referring to.. I have not started this process - I have other things to deal with on credit and then I will start this. or as I know if I need can dispute items in writing if need to - to say get a home loan..

If Kramer & Assoc does report on credit report then Cash Call can still report it as a charge off BUT with a zero balance. I have been fighting with Equifax and Experian over the reporting by Cash Call. I haven't seen Delbert show up on my credit report but it wouldn't surprise me....

Ok I know cash call is reporting. Keep you updated. Thanks for everything

As always not a problem, glad to be here to help you - you should be able to dispute online to all three .. if you need help finding where let me know..

Ok I will. Should get report in the next week. I did file compaint with ftc. Will they contact me?

I don't know, I have only had to threaten to file the complaint and the calls I was getting stopped.. I would assume that you would get something in writing once the complete their investigation.

Ok I need help. I got experian credit report. Cash call is reporting but on creditors statement it says sold to another lender. According to cash call they were only servicing the loan so how can this be so? How do i go about disputing this?

Also they have my account with cash call closed. I know kramer is a collection agency but would they purchase a loan? Boy am I confused.

You need to have Kramer validate the debt in writing. that is the only way to see what they are doing.. bottom feeders buy illegal debt and try to collect.. All of your original paperwork says Western Sky?.. I would dispute right away with experian as to the fact that you never had a loan with Cash Call period.. you can do from their website.. http://www.experian.com/disputes/main.html - Is anything being reported from Kramer or anything else that looks weird? if yes dispute them also, you will have to do separately.

I asked kramer to validate havent heard anything yet. I will try to dispute it and see what happens. Yes all my papers originated with ws. I didnt know if kramer would buy it when I looked them up on internet shows a,collection agency made up of lawyers. I dont see kramer on this report two more to come. Wow this is,so confusing im just glad you all are helping me

I have to agree yours is a little confusing - but we will be here to help in any way can.. I would start disputing the Cash Call - due to not having a loan with them... I would never bring up WS to any of them... Keep us posted and remember we are here to help you - you are not alone..

Thanks will keep you updated. If anyone else can help me figure this out it would help. Any suggestions are welcome

Sorry I am not more help :( - When you log into Cash Call - what message comes up..

This is what I am seeing..When I log in to Cash Call today - I get this message: "An account does not exist at CashCall for the login information you entered". - prior when I logged in on the 24th of March it told me: "The login information you used indicates the loan is being serviced by Delbert Services. We provided the link for your convenience. Please use this link in the future to access your account online. Thank you."

No you are so much help please dont take it the wrong way. I just wish someone could figure out,why mine is different. My loan is so similar to your dates. When I log on to cc just brings up acct info but experian has acct closed and sold to another lender. Tried logging on to ws and notice something I hadnt before. Down at bottoms it says loans not availabe to consumers in va. So how did I even get the loan

I didn't just saying wish I could offer you more insight on Kramer.. Print that page from WS and keep in a safe place. When I look at WS page I only see these states listed for them not to be able to lend to "Western Sky loans are not available to consumers in California, Colorado, Connecticut, Illinois, Kentucky, Maine, Maryland, Massachusetts, Missouri, New York, Ohio, Oregon, Pennsylvania, South Dakota, Vermont, Washington and West Virginia" Do you see something different? .. And that could explain the difference.. they are trying to back door collect it sounds like..

Looked again no you are right seem va by itself didnt see the west oh,well so much for that therory

So you have requested validation from them - it is just a waiting game for now.. lets see what they send you, since you have never had a loan with CC..

Yeah asked them to validate because I have had no loans with cash call

Really just a wait game for now - let's see what they send you?

Ok thanks gonna dispute experian and wait and see

OK - keep us posted..