Need help with ASAP with Westbury Ventures

OH BROTHER,BONNIE'S OUT AGAIN.FIRST SEND OUT DV AND C&D LETTERS.THEN FILE AG COMPLAINTS.THIS IS ONE BAD COMPANY.THEY THREATEN,HARRASS,AND BASICALLY WIPE THERE MOUTHS IN THE FDCPA.JUST GET EVERYTHING IN WRITING.THEY WILL EVENTUALLY BACK DOWN.

first, take a deep breath, second, get all your documentation regarding payments together and draft a letter to your states attorney general & BBB. If you have overpaid, (which it clearly sounds as tho you have) then demand your account be settled. Once they get contact from the AG & BBB they will offer to settle. Dont stress to much if you have overpaid they dont have a leg to stand on.

Since Westbury is the original lender and not a third party collector they are not under the fdcpa rules. You can send them a C and D letter because your state probably has a law regarding that. You can also send them a letter stating the laws of your state and demanding a paid in full if you have over paid according to your states laws. The are a very difficult group to deal with. Stand your ground. File the complaints as Paul suggested and tell them in your letter, sent certified return receipt, that you intend to do so.

I thought Westbury was a collection agency for many PDL's? :? Maybe I am confused....

So you don't think I should call them even though it says to call them by today? I've gone back and forth with Bonnie for a while now so I'm just not sure what to do any more ... sorry for not knowing but what are DV and C&D letters?

From what I have read they are a PDL that loans under one name and collects under another. It really does not matter because they are just impossible! They don'r care what you tell them they are one of the worst. here is a quote from another post.
"received an email and phone call to my office from Westbury Venture Mr. Featherston. States that they gave me a $300.00 loan and that I now owe $480.00."

HMMMM,I JUST KNOW THAT THEY ARE STILL TRYING TO COLLECT FOR ARROWHEAD.I OWE 140.00,THEY ARE TRYING TO GET 757.00 GOOD LUCK. :roll:

I would communicate with them by certified mail only. A Cease and Desist letter states that you are to be contacted through the mail only and that all calls must stop. A debt validation letter is for them to prove the debt is valid and the have the legal right to collect it. That is part of the Fair Debt Collection Practices Act and only applys to third party collectors. I would not call them!

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I did a little reasearch on Westbury Ventures and they are a Payday lender with several companies under one umberella. There is even a case Clark v Westbury Ventures where they were sued in Illinois under the fdcpa even though they are a lender. Unfortunately it is a locked file and I could not find out any more. Because they are reloaning borrowed money some courts may see them as a third party collector.

OK so then calling them is out of the question. I've never been able to get a hold of them anyway because they have strange hours. I went through all of my documentation and have everything in regards to the payments I made. What concerns me is the last part that says "Please touch base with me before January 31st 2008 at 5 pm CST if you want to resolve this voluntarily. After this date, missed extension fees and returned check fees will be added into your final balance and you will lose the option to make a settlement on this account. Your account has been coded and filed for a very serious review into this matter, however you do have until the close of business on January 31st 2008 5pm CST to make voluntary arrangements before necessary actions are taken against you. "

can they do that?

This is the reply I sent to them in regard to the email they sent:

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NICE, VERY NICE.JUST SAVE THAT IN CASE THEY TRY SOMETHING.I DON'T THINK THEY WILL.YOU COVERED IT PRETTY GOOD.KEEP US POSTED. 8)

If you have trouble with Westbury, you can try reporting them to the BBB. They have an unsatisfactory record, but they address almost all their complaints. When I complained, I filed it with the BBB of Delaware. Westbury contacted me within 1 day and sent me a PIF. They were awfully NICE about it, too.

Sp Buffgirl03 what happened with the lender? I have received a call from them stating that I need to give them the name of the lawyer I would be using in court. I asked what for and the rep said I was going to be sued by their office for internet fraud because my checking account has a hold on it. I want to pay my bill but I will not pay fees I do not owe and they should provide an option to pay not go directly to court.

They can't charge you with internet fraud--that's their tactic--they tell that to EVERYBODY.

What state do you live in, how much was the loan and how much have you paid?

Dont worry I got that same email from them a couple of weeks ago!!!!!!

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Great job there full of it i got that same letter from them! there a collection agency there not going to do anything the illegal anyways

I meant Email :D

Can somebody give me a little bit more info on Westbury..Ihave gotten numerous e-mails and letters from them, besides the 2000.00+ they have gotten from me. Thank You!!

Tlw, there is so much info on this site regarding Westbury. If you type the name in the above search box, you will be able to read about them and the experiences that other members have had with them.