Westbury Ventures/Exprescash

PDL's are illegal in NC and both of those companies are probably aware of that! You need to go to paydayloaninfo.org and click on your state and follow the link for filing complaints, you also need to have the bank reverse the charges because they FRAUDULANTLY took that money from you...Also do not feel safe just because you put a block on those names, these companies are shady and underhanded and will just try to submit it with another DBA. You need to contact these companies via mail fax and email and tell them that state laws, also how much have you already paid to each company in so called fees? You probably have paid them what you borrowed and then some

so far they have taken 100.00 legitimitaly. I authorized that payment. I did not authorize that 587.05. I have to fill out some paperwork for my bank tomorrow disputing the ach debits. How can i ensure that my bank knows these debits are fraud? Thanks for your help.. i am panicking...

also - do i have any hope of recovering what they have already taken?

Close the account. Westbury has at least 6 more company names they can use to get around stop payment orders at your bank.

Dsquared- I have been dealing with Westbury Ventures as well. I got the same emails at work threatening to charge me with fraud yada yada-The emails came from a Ryan Hall. I emailed him back and he told me that I had no choice but to pay back 570.00 on a 300.00 loan. I filed a complaint with the Nevada AG and with my home state. I also filed with the BBB and I got a response from them and I explained that they were illegal to give out loans in my state and that I didnt know this until I found this great site. Take this advice- Figure out what you have paid so far, if you have to close out your account and/or put a block on it DO IT ASAP! File the complaints and tell them you will pay back what you owe LEGALLY and not a penny more! When they responded to me on the phone she tried to get me to pay what THEY wanted me to and I said I'm only paying what I owe legally and she said OK. She sent me a "relase" form and that was the end of it! You may even already paid back what your loan was and then some!

Tweety - do i have any hope of recovering what they debited from me without my authorization?

I doubt it but, what they have debited out of your account should go towards the balance.....how much have you paid towards it so far?

so far 287.05 - but only 100 of that was authorized. They got 187.05 without my authorization... i am going to have my bank treat this as fraud. I am still out 105 in overdraft fees - since they tried to debit another 400 on the same night and didn't get it. i am going to contact the AG's office first thing in the morning. I have been reading other posts on this site about this company.. wow.. truly scary...

so far 287.05 - but only 100 of that was authorized. They got 187.05 without my authorization... i am going to have my bank treat this as fraud. I am still out 105 in overdraft fees - since they tried to debit another 400 on the same night and didn't get it. i am going to contact the AG's office first thing in the morning. I have been reading other posts on this site about this company.. wow.. truly scary...

also - i am going to be talking to this tom rothrock character first thing in the morning and i am a little nervous about it.. any advice on how i can keep the conversation in my control?

Just do not let anything he says intimidate you...they prey on fear! You will not be arrested and you did not commit fraud! Let it roll of your back...laugh at them if you want to try and hide your nervousness...thats what i did

thanks so much... I'm really glad to know i am not the only one out there that this has happened to. I just filed a complaint with the BBB.

i really can't believe this company is still able to operate..

If you stick around for a while, you will continue to be amazed at how some of these "companies" can still operate!

Exactly. Stay strong and let them know YOU are the one in control!

I am in NC as well. Our AG office is WONDERFUL! File a complaint ASAP. They will respond.

I am in Indiana and they responded to mine...from what I have read in past threads this company HATES when there are complaints filed against them!

I have paid back more that enough and now they are telling me I owe extra late and tax fees and since I dont have an acct anymore they will run my ssn and find any acct with my name on it. needless to say only one I have is for my baby savings, can they take her money like that? when I first closed my acct I asked them to send me an address of where to send payments they refuse to take them that way and said they had to have an acct to debit. what da hell?

DO NOT PAY THEM ANOTHER PENNY! File a complaint against them...........file it was the AG of Nevada! That is insane!

They aren't in Nevada. That's just a drop box. File it in Kansas. That's where they are.

OH! Didnt know that. Thanks

TAX FEE??? Give me a break! I doubt seriously the IRS is aware of what they are doing.

I've never of a tax fee.....Thats a new one for me

The lies they come up with! If they take any money out of any of your accounts after you have revoked authorization...press fraud charges on them!

Who are these people? Does anyone have a phone number for them? I had $450 taken out of my account and no way to contact them and my bank can't do anything or so they say

got real mean phone call last two days. they even called my work number. saying i defaulted on payday loan almost 6 years ago. said i owed them over 900 dollars in fees and penaltys. but they would drop it to 300 dollars if i agreed to pay them back. now want me to send 100 dollars a month through money gram. company is out of henderson,nevada. what should i do???? please advise. thank-you

A man by the name of Larry Foster just harrassed me at work today. He refused to send me copies of my so called "loan". I asked for a breakdown of what i owe, but he refuses to tell me! Who is this guy. I know he is calling from Westbury Ventures

I have to say this man doesn't want paid.

I owed $500 and today I see they took $800 out of my account. They say it was the interest and fees I owed them is this legal. I am in the state of IL but the loan was obtained online.

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Let your bank know what they are doing. They have several different names they use. You ach stop payment is only for the one name that they used. The bank will always have to refund your dollars. Put a password on your account. No password no money. Take the time to change your account number and auto deposits. Eventually I stopped my auto deposits until I could straightened this out. Notify the attorney general and send a email copy to your representative/senator. I have not borrowed any money but they continue to harass me. Don't let the threatening emails bother you. They are threatening you to no avail. They figure if they scare you, you bill pay whether you owe or not. Do not pay back anymore than you borrowed. What they are doing is illegal but different laws for each state.
If they took out more than you borrowed go to your bank and fill out a regulation e form to get the additional funds taken returned. They took 300 more than they should the bank will return it.

i have been having the same problem as you all have. i have for the last two weeks had someone by the name of curtis congress calling me from loan shop. now the sane man is calling from westbury ventures.each time he called me from the same number which is 1-800-853-6439 ext.3241 or 241. they say i have a loan for 320.00 dollarsii setup payment with them for sept. 28,2007 to be taken out of my account. put after seeing all the stuff online about them has gotten me kind of worried that this is another scam. :(

how much have you paid back on the loan?