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WS/CC validation letter

Date: Tue, 11/19/2013 - 06:09

Submitted by Mitch
on Tue, 11/19/2013 - 06:09

Posts: 70 Credits: [Donate]

Total Replies: 6


I sent a validation of debt letter to western sky and I received a letter from Cash Call stating that the debt is valid because I signed the agreement. I understand Western Sky is no longer in business and Cash Call just said valid and it was sold to Delbert. I already filled complaints with my AG and the State of Michigan has a cease and desist with the company. So does that mean my debt with WS is valid? I'm a little confused. All they said was they reviews my debt it's valid and I owe $4,000 plus. I already paid the principal plus $1000 extra. What should I do next? Am I legally obligated now?? I'm confused what a debt verification should actually entail.


Also, I sent the validation letter May 7th, 2013 and May 9th. So they had 30 days from then...so I have no idea how or what should provide. I know it's probably not validated since the didn't include everything I asked...just need guidness on what should do next v


lrhall41

Submitted by Mitch on Tue, 11/19/2013 - 06:39

( Posts: 70 | Credits: )


you provide nothing.why are you even thinking this illegal tribal lender who ran a complete scam with cashcall,and delbert is legit.there is a cease and desist for a reason,and no the debt with WS again is not valid.btw CC is a bunch of california fruitcakes who lie in court and think everything they say is true,and anything they do is legal.so no they didn't validate a thing,and just stating the debt is valid is not validation.re-file your AG complaint,and file AN FTC complaints as well.top close unless yopu borrowed 4,000.00 you don't owe that,and they are the ultimate sick evil bullshit artists.


lrhall41

Submitted by paulmergel on Tue, 11/19/2013 - 07:26

( Posts: 15514 | Credits: )


I fell for the WS/CC trap a little over a year ago. I've filed a complaint with the CFPB and had an investigator call me asking for documents and how the loan was approved. He was particularly interested in knowing whether I'd talked to anyone at Cash Call before the loan was approved. File a complaint with them, as they seem to be taking notice. The more we let them know about this shady company the better. Also, don't know if it will work or not but I also filed a complaint against Equifax and Experian about CC reporting this on my credit report. So far Equifax removed it but still waiting to hear back from Experian. I doubt they'll remove it but if enough of us complain to the CFPB abou Experian reporting CC/WS loans maybe the Feds will pressure Experian to drop the reports as they pressured the banks to stop processing payments for some of these shady outfits.


lrhall41

Submitted by anonymous on Tue, 11/19/2013 - 08:42

( Posts: 202330 | Credits: )


since at least 24 states are taking action.it won't be long before the entries start getting removed.at worst once ws/cc/delbert is taken down as a scam.the CFPB will force the CRA'S to delete the entries.so eiher way it's a victory for the people!


lrhall41

Submitted by paulmergel on Tue, 11/19/2013 - 08:56

( Posts: 15514 | Credits: )


Ok thanks, I don't know what I was thinking or why the thought even popped in my head this thing was "validated". I'll refile with my AG and just keep shoving all those letters in a drawer. Thanks, and sorry for my freak out!


lrhall41

Submitted by Mitch on Tue, 11/19/2013 - 12:09

( Posts: 70 | Credits: )


think nothing of it.they are really good at lying it seems,but glad you came around.


lrhall41

Submitted by paulmergel on Tue, 11/19/2013 - 12:25

( Posts: 15514 | Credits: )