Online loans from Western Sky Financial and Cash Call
My friend David in the State of Florida was going through some serious hardship. So serious that 3 of his vehicles were repossessed and his electricity was turned off. The vehicles were impounded and the cost to take them out was a total of $12,000.00. His wife went into a very depressed time and was in bed for almost 2 weeks straight not wanting to eat because of the situation. He didn't want to see his family go through this situation and saw an advertisement on TV from a company called Western Sky.
They offered him $10,000.00 cash advance with a payment plan of $743.49 a month @ 89% interest rate. David did not have any financial concept or understanding as to what this meant. He was under the impression that his payment of $743.49 was going towards the money he owed. After 3 months of making these payments his wife saw the statement and realized that the balance on the account was increasing tremendously instead of decreasing. She flipped and started to cry because she knew he had gotten himself into a much deeper whole instead of getting them out of hardship. She called me and ask for help.
I informed that she should try investigating the laws in Florida regarding cash-advances because there should a cap on the interest they charging.. I know for a fact that hard-money can only go up as 18% interest in most states.. but I am not familiar with the laws in Florida regarding revolving accounts or cash advances.
When Western Sky contracted David to give him the loan, another 3rd party company by name of Cashcall based out of California is the one that who is actually withdrawing the money out of his account every month. Why do they have two companies I'm not sure. So I dug a little deeper and found that Cashcall is a registered company in the State of California (C2210310 01/28/2001 ACTIVE CASHCALL, INC. NATIONAL REGISTERED AGENTS, INC) but Western Sky is not.
At this point we don't know what to do to protect David's rights as a consumer or who to go to get help. He does intend to pay the money back, but he wants a fair and decent amount to go towards his principal. I think at this point he's getting ripped off. Can you please help David?
How do we act on protecting David's consumer rights and how do we help him avoid getting ripped off?
—Claudia Torres
Short answer
The interest on these online loans is illegal in many states. Western Sky Financial argued it was a tribal lender operating from the Cheyenne River reservation in South Dakota, and that argument has not gone well in the courts. If the payments are not affordable, the realistic options are to pay only toward principal, close the account the drafts come out of, and file a complaint with your state regulator.
Key points on this page
- Western Sky Financial appears to operate from the Cheyenne River reservation in South Dakota. The same operators have ties to several other online loan brands, including Payday Financial, Big Sky Cash, Lakota Cash, Great Sky Finance, Four Seasons Cash and Red Stone Financial.
- The amount and rate of interest these loans charge are illegal in many states. The tribal lender defense raised against state, federal and individual actions does not appear to be going well.
- One option is to keep paying, but only in an amount you can afford, and only up to the principal of the loan.
- Other options are closing the checking account the payments are auto drafted from, and filing a complaint with your state financial regulation office.
- At the time this page was written, Western Sky was not licensed in Florida, and the state of Florida had an active lawsuit against them.
- Expect collection calls and letters from Western Sky, CashCall, or both, if you stop paying. If finances stay tough, or things reach the point of vehicles being impounded and power cut off, it is time to speak with a bankruptcy attorney.
I am sorry to hear of your friend’s predicament with Western Sky Financial and CashCall. Going further into debt with what most of us would consider usurious loans, like those offered over the internet, offer a temporary measure to fill a cash gap, but are more akin to digging a deeper financial hole. But I get the reasons people will treat the loans as a life line.
I have followed some of the different developments with payday lending, offshore online lending, and so called tribal lenders. I have not kept up with recent events in this area of the debt markets. Your question gave me an opportunity to read up on a good 6 months of developments in the courts and elsewhere.
Western Sky Financial Operates in South Dakota
Western Sky Financial appears to be operating from the Cheyenne River reservation in South Dakota. The same people operating Western Sky appear to have ties to several other online loan operations: Payday Financial Big Sky Cash Lakota Cash Great Sky Finance Four Seasons Cash Red Stone Financial.
Why is their location of any importance? The amount and rate of interest Western Sky Financial, and other payday and internet loans charge, are illegal in many states. The argument Western Sky Financial is making in courts around the country (in order to defend court actions brought by state, federal, and individuals), is that they are tribal lenders. Having caught up on some reading as a result of your question, that argument does not appear to be going to well.
Taking out online loans from Western Sky, or any of their other entities, does result in getting money. Anyone taking out this kind of usurious loan is likely doing so because:
- Your credit score is too low to qualify for traditional loans.
- You are maxed out on credit cards.
- Your debt load is too high to get additional credit – even with a good credit score.
- Like your friend Dave, these loans are only considered when there are immediate hardships and expenses to cover.
My point is, you need the money at the time, found a way to get the money to fill the immediate cash void, and use the loan to get by. As screwy as this is to point out when talking about an online loan that will likely be found to be illegal in many instances, Dave got the money and used it to get by. He may regret the decision later, and learn that there were problems with the loan being made to him as a Florida resident, but what to do about the fact that he got something from Western Sky Financial?
How to Deal with Illegal Online Loans
Some options for Dave to consider when compared to how others have talked about handling repaying, or not repaying, Western Sky Financial would include:
- Closing your checking account payments are being auto drafted from.
- Making payments to Western Sky Financial, but only in the amount you can afford, and up to the principal of the loan.
- Contacting the Florida financial regulation office where you should learn that Western Sky Financial is not licensed in Florida, and file a complaint they can investigate: https://www.flofr.com/PressReleaseDetail.aspx?id=4228
There is an active lawsuit filed against Western Sky Financial by the state of Florida.
If your friend stops making payments to Western Sky Financial and closes the bank account any payments may have been being drawn from, he will need to be prepared for some blow back from either Western Sky Financial, or CashCall, or both. Collection calls and letters are to be expected. It is clear from what you shared that he cannot make the payments, and to do so even if he could, would be paying usurious interest to what is likely an illegal lender in Florida.
If it were me in Dave’s shoes, and I had the money in my budget to pay back something toward the loan every month, I would take a businesslike approach and contact Cash Call and Western Sky to let them know I will only be paying xxx.xx amount each month until the principal is paid. If I did not have the money in my budget due to further setbacks, I would wait and see if things turned around financially and then make an effort to pay the principal, or settle with CashCall or Western Sky or less. If finances remain tough, it may be time for Dave to speak with a bankruptcy attorney. If Dave is at a place where vehicles are being impounded, and power cut off, it may be time to consider his options with bankruptcy now, rather than later.
Anyone with questions about Western Sky Financial, Cash Call, or similar type of online loans and payments, is welcome to post in the comments below for feedback.
1/10/14 Updates to this reader question can be found throughout the comments below. A comment posted by Carol contains a link to more detailed information for Florida residents dealing with Delbert Services, Cash Call, and Western Sky loans. I replaced the previous link to the Florida action against these companies with Carol’s.
About Michael BoveeMichael started CRN in 2004 with a mission to provide people in need with detailed debt and credit help and education. Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry. He is available to speak with you about your financial struggle and helps people resolve their debt problems daily.
Can someone please tell me where to look in Arizona, to see if my “loan is legal” I’ve been paying 400.00 a month and my principle is higher than I started..The only thing the girl at Dilbert would tell me is that interest is on a daily basis???..
She said out my 198.00 payment bi-weekly 34.24 is applied to the principal… but that doesn’t make sense..I started with 1500 over 6 months ago..and my principle is now 1568.00?
Help
Mary – You can contact the Arizona Department of Financial Institutions 800-544-0708 and learn direct from your states regulatory authority what your options with this loan are. Given the fees you mentioned they do not appear to fall in line with what is allowed in Arizona.
Iam in the same situation that everyone else is.I received a loan through westernsky it was then transferred to cashcall now delbert services.I have contested the loan to delbert services and the standard reply was the loan is valid.I have filed a complaint with my state dept of banking as well as the FTC.My state requires you to pay back the principal which is 2600.00 plus 6% annual and that is all.They have enforcement actions against westernsky and recently filed actions against cashcall.Once i pay what is required by my state which is pennsylvania i am closing my account because my credit union is telling me i can’t stop the ach authorization i can only place a stop payment which is 15.00 each time i do that.I will then send a s and d letter to delbert/cashcall saying my loan is payed in full per pa order.
You have to send the revoke ach from ur checking account letter to delbert services. They will stop. I requested a loan outline payment letter from delbert services. They sent it to me and began quoting the western sky tribal only govern by tribal law jargon. I have filed a complaint with the state and Feds. Wi forwarded my complaint to the Feds and BBB as well. I still haven’t heard back. I will respond to their explanation with federal law regarding western sky. Also in wi u must be a licensed entity to originate loans.
I would just like to update everyone on one of my complaints that i filed about 3 yrs ago about an online lender with my states dept of banking.Well received a check from the online lender for a substantial amount of money.I notified my dept of banking to find out if this check was legitiment and they said it was the interest they charged me in excess of the allowed amount which is 6% annum in my state of pa.Not to mention the company can no longer do business in pa.So in my case the little guy has won.
I am in pretty much the same boat as everyone else however I took out a $10k loan with Western Sky and made the $789 payments a months for a while until I could not afford it any longer. I closed my bank account and have not been making payments. My loan was sold to Cash Call and now to Delbert Services. I have tried to contact the Ohio AG and the Ohio Banking Commission but I seem to be getting the run around. Neither wants to say they oversea this type of loan…..although I think I have read that in Ohio you have to comply with certain interest rates and be licensed in the state to offer loans………..can anyone tell me who I do contact in Ohio to file a complaint?
Olivia – The Ohio AG office should be readily able to direct you to the appropriate office, but also try the Department of Commerce here. As of about a week ago, you can now file payday loan type complaints with the CFPB. Go here, then click on the payday tab to get started.
I see the Consumer Financial Protection Bureau filed a lawsuit against cash call for servicing loans that should be in whole or in part void based on their origins of Western Sky. Even though Ohio is not yet included in this lawsuit I did file a complaint with them and they have sent my complaint to Cash Call/Delbert Services. I will let you know as it progresses…….
Olivia- I have a loan with these people too. I am in OHIO and I just got calls from them last week and today. I spoke with a woman that I spoke to months ago and she changed her name today. I kept the voice mails and compared them. Same woman…. She is telling me that I am going to be ARRESTED and that they will go to my work, which i am unemployed, and to my ex in laws and my ex husband, parents (they live in GA) in order to find me and serve me that I am going to go to JAIL… They said this same thing to me over a month and a half ago, so I went to a bankruptcy lawyer to see what my options were. I did tell them that I was seeking bankruptcy in the next 30 days. She said well that won’t stop us good luck in JAIL and hung up. I did however ask for the contract in which Western Sky “sold” my loan to Cash Call and then sold it again to Delbert. She said that was private information and she would NOT provide me with anything.
What can I do? Any advice from anyone on this??? I am SICK of getting these calls.. I do not know how on earth they are getting my EX IN LAW or EX husband info as well.
First, they cannot arrest you. They are trying to scare you. What they are saying to you is actually illegal. If they were a legitimate collection agency they will send you information regarding your “debt”and provide you with their contact information.
Next time they call:
1) get name of company, name of person you are speaking with, their phone number and address.
2) If you are filing bankruptcy, tell them you are and give them your attorney’s number. If you are not, tell them what they are saying is illegal and that you are filing a complaint with the Ohio Attorney Generals Office. Then go to the OA General website or call them and give them the collector’s name and address.
3) Send a cease and desist letter to the collector. You can get an example of one from yahoo or google. Just type in cease and desist collections letter. Make sure to say that you do not want them to contact your family or friends any longer and they may only contact you through written communications. Send this letter certified mail to the collector.
4) Document the calls……time, date and what was said. It sounds like they are not a licensed collection agency in Ohio that is just trying to scare you into coming up with money.
First and foremost……..don’t stress. They cannot arrest you or your family. The most they can do is serve you with papers to appear at court so the court can try to order you to pay. That is all.
Unfortunately, I don’t have any better news as far as getting Ohio to step up and battle with Western sky, Cash Call, Delbert. All I can do is help you deal with the awful collector. Honestly, I would not pay this collector a dime. If they can’t provide you with any documentation then its a scam.
you will never be arrested for a loan and not even this one, folks look for a cease and dissist letter any where on the net and fax it to them. They can no longer call you. They can send mail but ho cares, also they will ding your credit because they were found out. Stop your ach withdrawals by closing your chk account asap and please dont sign a paper with them. signing makes a new contract youll be responsable for… dont sign anything because you do have to do business with a 3rd party creditor especially if they lied about being apart of the cheyenne indian tribe. Its an illegal usury loan, thats not legal nor lawful. It was an illegal loan from the start.
I live in minnesota and am in the same predicament with delbert services. Should i close my checking acct?
Sallyj – Can you be more specific about the challenges you have with Delbert Services?
Initially, I did a stop ACH at my bank which is similar to a stop payment. Then I just closed the checking account and opened another. One of the lenders, United Cash Loans has stopped contacting me and the other, Cash Call, stopped contacting me by phone, but is still emailing me. They also have Delbert contacting me now via email. I have mailed them the correspondence they have already received from the New York Sate Attorney General’s’ office and spoken to one of Cash Call’s representatives explaining that in my state these loans are void and unenforceable, and that if turned over to a collection agency, that agency is not allowed to collect either.
I took out a 500 loan from Western Sky (Turned out to be 850). From there I was set up on a monthly 165.00 payment plan, for 12 months I believe. Then it was sold to Delbert and I received a notice that they were going to draft the money out of my account and it had my last 4 of that account. Didnt ask for a signature, just said this is what we are going to do. Now they correspond via email and they remind me 2 days before it happens. Only paid 2 back so far, but I see that Fl law states I can only take out a 500 online loan at the most, where they took out 850… so is this null and void? I also had one with US Fast Cash, they had issues with their processing, so they made some sort of discounted deal with me and according to them Im paid in full. I just worry now that they will draft my accounts. Suggestions? If the loan is null and void or in anyway illegal, couldn’t they prove that I still took the money and it all has to be paid back?
Mathew – You can contact the Florida state office I link to in the above article for information about your legal rights with Delbert.
I will say that many consumers have had to close the accounts their payments have been being withdrawn from in order to stop those debits.
That is correct, get away from that bank and you’ll be fine
Unfortunately, that’s isn’t the case….you guys also need to check your Experian credit report. I am in the midst of a long uphill battle with Experian in getting Delbert Services removed from my credit report. It reports Cash Call on the report as paid on time and closed/transferred. However, DSC started reporting this past March (2014) as 30, 60, 90, 120 days late and the as a charge off in the past due amount of $2,604. It states my high balance as being $5,074.
The crazy thing is, they had my old FL aaddress listed on the loan paperwork I requested to see initially. Then when, I disputed it with Experian the first time showing all of the legal FL information and how I filed a claim with the Attorney General’s office, the address has magically changed on the latest documentation from DSC to my current GA address.
I just sent my 3rd dispute two weeks ago (with over 80+ pages of GA court docs). Still won’t remove it off credit.
My wife took out a Western Sky loan and they informed her that her payments would be roughly $150. Now we are paying close to $300/ month. I do not believe that is legal in the state of Texas. If anyone knows please let me know so I can tell them that I will only pay back the principal. Or if there is another around this please let me know.
Ty – From the Texas AG site:
“Complaints
In Texas many types of loans are regulated by the OCCC. If your complaint is against a lender the OCCC does not oversee, the Texas Department of Banking may be able to direct you to who does. File complaints with the regulator who oversees your lender, and with our office.”
Here is a link to the Texas Office of Consumer Credit.
Start with contacting the OCCC in order to address your concerns regarding the Western Sky loan. It would be great if you posted an update with how you progress.
Has anyone been able to have the collection from Cash Call deleted from your credit report? If so, how?
I competed an online dispute (DELBERT) with the credit bureau. Indicated that I did not owe them and added a little information from the consumer protection office. It was deleted.
I too have a western sky loan that was immediately transferred to Cash Call and most recently to Dilbert. It originally 5K and my payments are 486 a month. I have made 16 payments or 7776.00 on a 5 K loan. I took this out in May of 2012 , first payment in June of 2012. Does NJ have a usury law? What are my options? I have been getting calls from Dilbert on my cell phone however I have not spoken with anyone and they do not leave messages. This is an ACH on the first of the month. any and all advise would be greatly appreciated !!!!
New Jersey caps interest at 30% and typical payday loans are not legal in New Jersey. Having paid close to 8k on a 5k loan would suggest you were charged more than 30%. If it were me, I would cancel the ACH, but call the NJ department of consumer affairs about your options first.
Thanks Michael for your reply ! I did sent the cease and desist letter and got the same form reply that the loan is valid. I am working with an investigator with the state of NJ AG office as they are preparing a case to file against them. I urge all NJ residents that have one of these illegal loans to contact their office !!! I bank with TD bank, how do I go about blocking their ACH withdraw if Delbert does not have my signature permission to withdraw? Can the bank deny the transaction ? I hate to have to close out my checking account. I have several of my bills set up for auto pay thru them. Any advise would be greatly appreciated
DD
I know it is a pain to close your current checking account and open a new one, but, the extra work is worth it. I kept my same banking institution and they were very helpful with making the transition. I pay all of my bills with my checking account and only managed to miss one, and now I don’t have to worry about those thieves having access to my money. Delbert, itself, may not have your signed authorization to withdraw funds, but, they, Western Sky, and Cash Call are one in the same, so they’ve got what they need to do the ACH withdrawals.
Hello Tina,
I also have a loan with Western Sky which is now Delbert, when you closed your account and opened a new one with the same bank, did Delbert ever access this account?
Shanae, No, once I stopped the ACH withdrawals on the original account, they couldn’t touch my money. However, to be extra secure, I closed that account. Even though I’m still with the same bank, Western Sky, Cash Call and Delbert have not been able to have access to the new account. I did get a couple emails from Delbert months ago. I responded with the text from the AG’s office regarding the illegality of these loans, and I’ve heard nothing from them again. However, the have put negative information on my Experian Credit report. I called the Attorney General’s office over the weekend and left a message for a call back. I need to have this information removed.
Hi Tina! I’m in the same boat in Ga! I’ve already sent 3 disputes in the last 3 months; all with different court documents from (FL and GA — both places I have lived.) I have also filed with the Attorney General’s office in both states. Experian won’t remove the information.
Double D – I am with Tina. But it would be worth calling TD bank first and talk to them about their ACH cancellation policies.
Earlier this year there were several reports about banks being part of the problem when they continue to process ACH payments related to illegal loans. Chase and BofA commented about making changes to their policies. TD bank may have set up their own policies in this regard. Having said that, I have also seen too many instances where an ACH payment that was cancelled, was processed anyway, causing over draft and other problems for people. The time you invest in setting up a new account is worth the piece of mind.
At the risk of jinxing myself, I sent a C& D letter to Delbert and received the standard form loan is valid letter. In November I DID NOT get the payment do email that they normally sent our about 5 days prior to deducting ! AND they did not take a payment out of my account on December 1st ! …stay tuned folks ! I am sure I have not heard the last from them, however for now no more bleeding my account !
Hi Micheal, is there a link you can provide regarding Chase policy on processing payments for illegal loans?
Nikki – I do not have a link to offer. Have you talked with Chase directly about any concerns you have?
Yes, I disputed 3 transaction on my account from cash call and delbert( the other payments were made on an account that is now closed) in early February. The money was placed back into my account and as of today there has not been any addition contact from Delbert or cash call regarding the disputes. I did send Chase a copy of the letter from my state’s AG office advising that the loans were illegal and banks should not honor any EFT from such lenders.
Nikki – Was Chase on notice, or were there prior disputes regarding EFT’s for the loans (prior to Delbert Services, like with Western Sky or Cash Call)?
Not the I’m aware of, when I was speaking with the representative I just asked if I could dispute charges presented to my account from a company that my state deemed to be illegal. He basically stated that it qualified as a disputable claim. I may call them today and ask them if I can dispute any of the previous charges on the closed account.
I’m not trying to get all of my money back but if I can get most of it back outside of the principle and the allowable interest rate for Indiana then I may go that route.
I did have an additional question, I monitor my credit reports for Experian and Equifax. Since I’ve stopped paying Delbert I get indicators that my account information has changed, however the account info still states current for them. I know some individuals stated that Delbert is putting negative info on their credit reports. Should I assume that Delbert is listing non payments on my credit report even though it does not state past due? I’m kinda of confused I plan to call the credit reporting agencies for clarification.
Nikki – I would be somewhat surprised (but not shocked) if a glitch recurred with your Chase accounts that are open. The closed one, if payments were processed more than 60 days ago, would be interesting to learn of payments credited back.
It sounds like Delbert Services is showing as current on your credit reports (not 30, 60 etc, day late. So… nothing to be concerned over – until there is.
It is a bit of a contradiction – the credit reporting. New York is getting this right, but I am concerned for others, in the same way Rocco eludes to. How is it that loans deemed illegal are allowed to remain on a credit report at all?
Nikki if you don’t mind me asking what state are you in.iam having a problem with my bank (credit union.)There telling me i have to put a stop payment in which would cost me money and they told me they can still come in using a different name even though i have a stop payment in and take out the money and that there is nothing they can do.I was under the impresion that this operation choke point from the feds where suppose to stop this.I have sent and email to stop ach withdrawels to delbert but iam waiting to see what they do.
Hi Rocco,
I’m in Indiana. I think that is odd that the credit union would continue to honor payments that you have specifically advised to stop processing. Another thing maybe that I’m dealing with Chase and not a credit union. I was not charged for my dispute claims but was advised that if Delbert does at some point question the dispute Chase could pull the money back out of my account. After I sent the stop ACH payments to Delbert the sent me back an Email stating they would do so, and that was in February.
I do want to correct one statement I did get an email from Delbert services (in my junk folder) say that the bank had returned some payments, and I now owe them return check fees good luck with that lol!
Hello Nikki, well i would close my account but they told me i can’t because i have my car payment though them they won’t transfer it to another account i guess iam going to have to hang in there till my state goes to court.
Although i did find an lawyer that is really interested in my case he wants me to wait and see if they try an take out the debit then he said we can proceed from there.
Hello Michael ,
Do you have any updates on NJ with regards to Westersky/Cashcall/Delbert?
I did a C&D letter in Nov. and they did stop ACH payments. I hadn’t heard anything from them until today ! They sent a letter offering to lower my 115% interest to 89% ! still way above the usury law of NJ !! I have ignored so far and have not responded. they also state I have a balance on a 5K loan that I have already paid over 8K on ! any advice would be greatly appreciated !!! Is there an active case pending with the state of NJ?
DD
I do not have an update on any additional happenings with Cash Call and Delbert service in NJ. Hopefully there are other readers in New Jersey that are subscribed to the comments who can weigh in with anything they know.
Not feeling very confident in the great state of NJ. I just spoke with someone in the AG office who stated NJ is not following up with the payday loans they recommend filing with with CFPB. So I just did that. I was dealing with an investigator in the NJ banking department that I was under the impression was dealing directly with the AG of NJ…I guess I was wrong ! any one in NJ file a complaint with the CFPB? Also how can we flood the AG office with complaints so that hopefully they will follow our neighbor NY and stop these predators !! any advise would be greatly appreciated !! I have paid them 7776 on a 5K loan ! enough already !!
Hi Michael
Any advise re this email would be appreciated ! I did fine a complaint with the CFPB on 2/27 and they are investigating. I also had an investigator with NJ div of banking that I was corresponding with, however I have not heard any thing back so I called the AG office myself and they were advising to file with CFPB …
Total Amount Due: $7,126.00
This is your opportunity to save up to approximately $28,547.96 on your loan serviced by Delbert Services. Currently, you have 67 monthly payments of $486.58 remaining on your loan, which adds up to $32,600.86. We want to resolve this matter as quickly as possible and avoid further action, so we are proposing the following settlement offer:
� One lump sum of $4,052.90, due and payable on or before March 14, 2014. This is a 20% reduction of your current principal balance and would result in a savings of approximately $28,547.96.
Or:
� 10 payments of $506.61, beginning (no later than) March 14, 2014 and continuing on the 15th of each succeeding month. This would result in savings of approximately $27,534.76.
Or:
� 1 payment of $253.31 no later than March 14, 2014 and 1 payment of $253.31 no later than March 28, 2014 with continuing payments of $506.61 no later than the 15th of the next 9 succeeding months. This would result in savings of approximately $27,534.76.
NOTE: If you fail to make each monthly payment on time, the terms of the settlement will be null and void and you will be responsible for the full amount owed.
If you do not call our office on or before March 14, 2014 to accept this one time deal, this offer will become null and void. We are not obligated to renew this offer. If you need additional information or want to inquire about other payment plans, please contact this department at 877-983-3523 ext. 6583.
Sincerely,
Margie Bustamante
Delbert Services Corporation
877-983-3523 ext. 6583
so do I respond that I have a complaint filed against them with the NJ AG and the CFPB or just ignore them ???
HELP !!
Thanks !!
Double D – I can offer my feedback based on what I would do if I were in your position.
I would not take any deal – having paid all of the principal back, and then some. I would not do anything at this point, but wait out the responses to complaints filed with the CFPB.
Thank you Michael ..
your advise is much appreciated ! They did ding my credit with a 30 day late. But I am willing to wait them out and see where this goes !
anyone else in New Jersey having these same issues with WS/ CashCall/Delbert ???
yeh, and it has been rough i took out 2500 to pay 4800 since 2012? COME ONE NJ
Hi,
I am also experiencing hardship with Delbert (previously with Cash Call) – last year (April 2013) I took a 10K loan and have been paying only interest, $743.49 a month – not even hitting the principal. I saw a commercial on tv for Pay Day Support Center – where they perform Validation services – “validate the amounts that the consumer’s pay day lender(s) allege are owed;” “this process involves PSC sending letters to various pay day lenders on the consumer’s behalf that request, among other things, information to verify the consumer has not overpaid their loans, has not paid an illegal or improper amount of interest in connection with said loans, and that the lenders are legally operating and licensed in the state and locations they serve.”
Has anyone used this service/advise against it? Please let me know!
Thanks in advance!
Luke
Michael
Please help spread the word !!
This is an email update I received today from the investigator with the NJ div of banking PLEASE everyone email this gentleman in the AG”S office !! NJ needs to get on board !!!
Our office has not been provided with any updates related to this matter in some time now. I have listed below one of the individuals in the AG’s office that was assigned to the matter, but I am not sure if he still is or if the matter has been dropped entirely. Regardless, you can try the following individual to find out either way.
William B. Puskas, Jr.
Deputy Attorney General
New Jersey Department of Law & Public Safety
Division of Law
Banking & Insurance Section
P.O. Box 117, Trenton NJ 08625
Telephone: 609.292.7669
Facsimile: 609.777.3503
E-mail: william.puskas (at) dol.lps.state.nj.us
I took out a loan in August, 2012. Have made every payment on time since then. I just noticed that I borrowed $2500 & owe more than $2500. I have stopped making payments as of 5/1/2014. Can you tell me what Texas’ stand is. I have been doing some research but can’t seem to find anything concrete. We have a strange situation here in TX. I live in El Paso, TX and El Paso has established some stricter ordinances against payday/title, etc. loans. Also, we have a HUGE conflict of interest that exists here in Texas in that the overseer of these types of loans is involved heavily with Cash America. So, how would I go about getting the Texas AG to file a lawsuit against Westernsky/CashCall/Delbert or how would I go about getting a class action lawsuit going. Any information will be greatly appreciated.
Emma,
I am currently going through this with CAsh Call and live in Texas. First things,
Was your loan a pay day loan or was it an installment loan? Cash Call/Western Sky does both. You need to find out. If it was an installment loan, it falls under different guidelines and laws than a pay day loan. One being the fact that the interest rate is capped in the state of TX on installment loans.
Mine is an installment loan. From all that I can find, I have all of my Western Sky/Cash Call emails. Emails and articles that I have read state that any loan that came from this Western Sky is an illegal loan regardless of what state you are in because it came off the reservation. Also, Cash call was never licensed to do loans in the state of Texas only mortgages. From what I can tell the loan is null and void. I am currently sending a cease and desist letter to Delbert Services (I think that is probably who has yours now). Everyone I have talked to is saying to be sure you have paid the principal back (which after all this time I am sure you have) and stop the ach entries on your acct. Many people are saying to close your acct and open a new because they just change the amt and the company it is coming from..that way you can be sure they can’t get anymore money. You will need to google the type of letter to send to Cash call/western sky telling them that the loan is illegal and that you have paid your principal and you want a paid in full letter from them. I don’t think you will be successful in getting anyoverpayment of interest back, so probably not worth your time. That is all I know as of now. I am about $800 shy of paying the principal right now on my $5000.00 and will not pay them a dime more. I will only deal with Cash Call. I need to find the information to send them about the loan being illegal.
Michael, I’m doing that. I sent consumer complaint. I sent attorney general. I have not shut account since I do t let them autograft. Or should I anyway? How do I stop them call the hospital on my job 20 times daily
If they do not have access to your bank account, closing it would likely not be necessary.
You should be able to tell them that all calls at your work place are inconvenient period. If you have already said that over the phone or in writing, speak with an experienced FDCPA violation attorney about how to take them to task for the continued abuse. You can locate an attorney with the experience you need through http://www.naca.net and many listed there will take your call and consult initially at no cost.
a year ago i took out a $5000.00 loan i repaid $2900.00 then i got laid off for a month i found out this type of loan interset rate max are 30% per year they said it was there mistake they would fix it! they sold the loan the next day i stopped my bank account changed banks have not paid them a dime i file a complaint with new jersey banking never got any reply, i demanded they stop calling me and email me! they have!
but on my credit report they filed nonpayment complaint! i disputed this but it still on my credit report!
I read somewhere to file complaints also to the credit reporting angencies and dispute, the lady said the removed it.
NJ IS TAKING ACTION!! This is a letter I recently sent. Also send the same to the NJ Division of Banking.
New Jersey Office of the Attorney General
New Jersey Division of Consumer Affairs
Eric T. Kanefsky, Director
PO Box 45027
Newark, NJ 07101
Dear Mr. Kanefsky,
My name is ———and I am writing you today as I believe I have been the victim of usury interest. On April 18, 2013, in some financial desperation, I regrettably took out a $10,000 loan with a company called Western Sky Financial. I had taken a loan out with the same company once before for the same amount and repaid it within a month. Western Sky financial immediately funded and then sold the loan to a company called Cash Call. Shortly thereafter the loan was sold to Delbert Services. I was contacted by Delbert Services in early October, 2013; they demanded that a sign a new ACH withdraw form in order for them to debit my checking account for future payments. As of that date, I had not missed a payment. The demeanor of the representative on the phone from Delbert Services was demanding, harsh and persistent. I did not sign a new ACH form and advised them not to contact me telephonically again.
I am in receipt of a letter from Delbert Services (attached EX. 1-7) dated October 7, 2013 indicating that I disputed this debt which is not the case. Upon receipt of this letter I began to do some research. First I learned that Western Sky had been shut down. Then I learned that although Western Sky Claims to be operating under the laws of the Cheyenne Indian Reservation in South Dakota that in all actuality they have addresses in California and Nevada. I further learned that Western Sky, Cash Call and Delbert Services are all owned by the same individual, John Paul Reddam. As my research continued, I learned that several States Attorney Generals have sued all three above named companies based on illegal operation. Cease and desist orders against them have been issued based on to include but not limited to usury interest and illegal operation in the prospective State and some States have declared the loans null and void (Example Massachusetts). I also know that the FTC is investigating the companies and Reddam.
Attached to this letter, in Exhibit 1-7 includes the “Truth and Lending” statement charging me almost 90% interest. I would respectfully request that you look in to this matter as my research has also revealed that I am not the only New Jersey Resident that has fallen into this trap. Yes, at the time, I was in a situation and needed the loan but after realizing that these companies may be committing illegal acts violating both State and Federal Laws, which I abide by, I see it necessary to request your assistance.
Thank you,
—–
cc. Federal Trade Commission
Hi I also live in nj, and have the same issue, has anything been done to stop them, I pay way too much and I can’t keep doing this.
Any updates on NJ? I have a pending complaint filed with CFPB but have not heard from them yet …will post the reply when i do
Double D and the rest of those who have been affected in NJ:
Last week I wrote to the CFPB, NJ AG’s office (awaiting a response from them) and the NJ Dept of Banking & Insurance, Division of Banking Enforcement Bureau. The latter responded, and an investigator advised me to send Delbert a letter stating that I would no longer be making payment until the issue is resolved in Superior Court via the NJ AG’s complaint to be filed (since I already paid the full principle plus interest well above the NJ usury limit). He explained that his department is working with the NJ AG’s office and will be issuing a formal legal complaint in Superior Court to put a stop to this and will be pursuing restitution of all the fees and interest collected above the amount borrowed for all the New Jersey consumers. He also added me to the legal complaint since there is strength in numbers.
These predatory lenders need to be stopped, and the only way to do so is to be vocal about the shady business that is going on. I strongly urge all in NJ to write letters to the above mentioned agencies, and if you already have, good, but more can be done, now is the time to contact the NJ Department of Banking and Insurance and add your name to the formal legal complaint: 609-984-2777. Remember, it is not illegal to have fallen victim to these illegal lenders.
It may even be worthwhile to contact local press, 7 on your side and other vocal consumer advocacy groups since the crooked owner of all these affiliated companies is J. Paul Reddam, whose horse “I’ll Have Another” won the Kentucky Derby and the Preakness Stakes in 2012. He currently seems like a hero while behind the screens is as crooked as they come. The very tribe he claims to have legal protection from wants nothing to do with him.
Let’s all work together so that no one else has to go through what we’ve been through! Nothing will happen if you do nothing. Do not be ashamed or afraid that you got scammed, let’s all be vocal and take action together.
On the CFPB website, looks like they are suing CashCall for illegal Online Loan Servicing. Looks like NJ has been added to the list of Complainants (see amended complaint on the bottom of the page). Hopefully, something is done soon for NJ residents who have fallen victim to this.
https://www.consumerfinance.gov/newsroom/cfpb-sues-cashcall-for-illegal-online-loan-servicing/
That is fantastic news that New Jersey has finally stepped up to the plate against these predatory lenders ! Delbert keeps emailing me to offer a settlement and I just keep ignoring them ! I just wish it was NOT on my credit report. Michael do you have any guess on a time frame for such action ?
Thanks again.. this site has been a God send !
Strength in numbers and knowledge is power !!
Purely speculation, but I would expect any settlement to happen this year, were one to occur.
Hi,
I live in NJ and have paid off two loans with cash call but were transferred to DELBERT SERVICES…I would like a refund … Can someone please tell me how do i get involved in the settlement?
just got a response from Delbert via CFPB (complaint submitted) – should I continue to dispute through CFPB? I also have been added to complaint against Cash Call/Western Sky/Delbert in NJ with the OAG.
Any advice?
To Whom It May Concern:
This letter serves to respond to the consumer complaint submitted by Luke against Delbert Services Corporation (“Delbert Services”), received via the Consumer Financial Protection Bureau (“CFPB”) Portal on April 28, 2014.
Please note that contrary to the allegations in the complaint, Mr. Luke’s loan is not a payday loan. Instead, it is an unsecured installment loan that was originated by Western Sky Financial, LLC (“Western Sky”) and funded on April 5, 2013 in the amount of $9,925.00, which is the loan amount of $10,000.00 less the $75.00 Prepaid Finance Charge/Origination Fee. Also, please note that Western Sky, CashCall, Inc. and Delbert Services are each separate companies. Accordingly, Delbert Services respectfully requests that your office please contact the loan originator, Western Sky, with any questions regarding the origination of Mr. Luke’s loan. The address for Western Sky is P.O. Box 370, Timber Lake, South Dakota, 57656.
Delbert Services’ records indicate that Mr. Luke was informed upon execution of the Consumer Loan Agreement (the “Note”) that the laws of the Cheyenne River Sioux Tribe apply exclusively to the transaction. Further, Mr. Luke, by executing the Note, accepted a Cheyenne River Sioux Tribe choice of law provision and jurisdiction clause. When the Note was provided to Delbert Services for servicing, it included the Truth in Lending Act Disclosure Statement. This disclosure clearly displays the Note’s agreed upon Annual Percentage Rate (“APR”) and Total Finance Charge. It is Delbert Services’ understanding that this was provided to Mr. Luke by the lender and that Mr. Luke had access to the document at all times.
In addition, please be advised that each account is given a “Welcome Call” during which the terms of the Note, including the APR and payment schedule, are reviewed with the customer. Delbert Services’ records indicate that the “Welcome Call” was made to Mr. Luke on April 5, 2013. During the call, Mr. Luke gave no indication that he did not understand or did not agree to the terms of the Note.
Mr. Luke was also provided with an amortization schedule prior to the loan funding, which disclosed exactly how much of the payment would go toward interest and principal throughout the term of the loan. Pursuant to Mr. Luke’s Note, the loan is amortized using the simple interest method of loan amortization. As such, Mr. Luke has been charged interest on the outstanding principal balance daily. Like any installment loan with a definite term, the majority of payments made early in the loan cycle will go toward interest. As time goes by, a greater share of each payment will go toward principal. Pursuant to the note, Mr. Luke has the right to pay off all or any portion of the loan at any time without incurring any penalty.
On August 14, 2013, a “Notice of Loan Transfer” e-mail was sent to the address provided by Mr. Luke. The e-mail notified Mr. Luke that the Note was sold and the purchaser assigned the servicing of the Note to Delbert Services. As the loan servicer, Delbert Services is permitted to enforce the terms of the Note.
According to Delbert Services’ records, Mr. Luke has made only 12 of 85 scheduled monthly payments on this account, with the most recent payment received on April 30, 2014. As of May 9, 2014, Delbert Services’ records indicate that Mr. Luke’s account is current. As of May 9, 2014 the payoff amount due on this account is $10,124.07. However, without admitting any liability or wrongdoing, Delbert Services may be able to assist Mr. Luke in making arrangements to satisfy the outstanding amount owed on the Note. Please have Mr. Luke contact this office at (855) 388-3764 in order to discuss available options.
Delbert Services thanks your office for the opportunity to respond. If there are any additional questions or concerns, please do not hesitate to contact this office.
Sincerely,
Complaint Resolution Manager
I received this same letter from CashCall Inc. when I submitted a CFPB complaint. I have not done anything. I am waiting for the outcome of the CFPB lawsuit since the state I reside in is a part of the lawsuit.
Thanks Kelly for the info!
I received correspondence from NJ Department of Banking & Insurance that I will be added to the formal legal complaint against WS/CashCall/Delbert in NJ Superior Court. Hopefully, the NJ OAG will do something soon; as I am willing to wait it out on that part.
As for the CFPB complaint, do I continue to dispute (to keep the ball rolling, etc.)?
I replied to the CashCall’s response with the CFBP, but I never heard from them again. I also wrote a complaint with Indiana Attorney General and I believe they are working on a case against Cashcall/Western Sky/Delbert soon.
Response
Initially, please be advised, the executed Promissory Note gives CashCall, or any other servicer, the authority to withdraw payments and fees and to resubmit payments that were returned. As stated in Ms. Busch’s Promissory Note, Ms. Busch has the right to cancel the EFT authorization by providing CashCall with written notice of such an election. We received Ms. Busch’s written request to cancel automatic withdrawals from her bank account on May 14, 2013. CashCall has confirmed that no attempts to withdraw from Ms. Busch’s bank account were submitted after this date.
With regards to Ms. Busch’s loan, contrary to Ms. Busch’s complaint, her loan is not a payday or deferred deposit account; rather it is an installment loan was originated and funded by Western Sky on December 12, 2012 in the amount of $1,000.00, which is the loan amount of $1,500.00 minus the $500.00 Prepaid Finance Charge/Origination Fee. All questions regarding the origination and funding of Ms. Busch’s loan should be directed to Western Sky, at: P.O. Box 370, Timber Lake, South Dakota, 57656.
As background, Western Sky is a wholly Cheyenne River Sioux Tribal Member owned business and is located and operates within the exterior boundaries of the Cheyenne River Indian Reservation. Western Sky loans are initiated, approved, issued and disbursed within the confines of the Cheyenne River Indian Reservation. Western Sky is licensed with the Cheyenne River Sioux Tribe.
Upon review of the file sent to CashCall by Western Sky, the loan documents clearly indicate that the laws of the Cheyenne River Sioux Tribe apply exclusively to the terms and conditions of Ms. Busch’s loan, and she further accepted this choice of law and jurisdiction by executing her loan document. These facts were explained to Ms. Busch when she applied and again when she signed her Consumer Loan Agreement (“Note”).
Further, all Western Sky borrowers are instructed to read their Promissory Note in its entirety. Once they have done so, they are required to electronically sign or initial the Note in two different locations. The second of the signatures represents the borrower’s confirmation that he/she has read and understands the terms and conditions of the Note. According to our records, Ms. Busch signed the Note on December 10, 2012, via electronic signature, indicating that she did indeed understand the terms and conditions of the Note. This Note, in its original format, is an electronic document fully compliant with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and other applicable laws and regulations.
The Truth in Lending Act Disclosure Statement at the top of page one of Ms. Busch’s Note clearly displays the Annual Percentage rate (“APR”) as 233.16% and Total Finance Charge of $3,886.94. The APR was disclosed in accordance with the requirements of the Truth in Lending Act. Notwithstanding these disclosures, borrowers are free to pay their loan in part or in full at anytime without penalty. Ms. Busch was also sent a settlement statement via electronic mail to the address she supplied, confirming the terms and conditions of the Note, on December 13, 2012.
Is there a way to stop this
It’s there anything being done in nj yet with delbert services
Hi CJ
Just a follow up, any news on NJ taking action against these companies? Have you heard anything further from them ?
Go into your bank and tell them you lost your checkbook. They will immediately shut down your account and issue you a new checkbook account with a new number, which CashCall/Delbert will not have. If they try to harass you, inform them that their rates and terms are illegal and not enforceable in your state (which they already know).
new jersey has a limit of 30% per year on loans, western sky, cash,call, and there collection agent are not allow to do business in new jersey
stop paying them close your account ! do not sign any papers
report it to new jersey bank dept ,
this our criminals, new jersey has charges pending on these companys
I too took a loan with Western Sky Financial. $1500 but they took $500 for their “Fee” back in May 2013. Not even three days later it was “sold” to Cash Call. I paid them online only a couple payments of $198.19. I started to get calls from them wanting my bank info to ACH. I told them no, that I would pay thru thier website. After a few days, they kept calling and finally just blocked the number. A week later, I get an email from Dilbert Services that my loan was “sold” to them. They have called me constantly. I did a little research and found that when I got the loan, it was illegal, but that Dilbert Services is licensed to do business here in NC. My friend/lawyer from the past told me to stop paying and wait to see if they take me to court. I am judgement proof, so they cant really do anything to me. I havent sent anything to stop them from calling yetn but I know I need to. They have sent me a letter wanting me to sign to lower my payments and gave me an amount of $1367, and that is not the payoff amount.
I too have a loan with Western Sky/Cash Call. Two two weeks i began getting calls from this 888 number…didn’t answer because i was not familiar with number initially. Then finally i answered last week and was informed my load was sold to Dilbert. I informed them i was not sharing personal information and to not call me anymore. However, this week i received a number of calls again. Today, I decided to take the call again and they wanted me to sign to paperwork. I told them I was not signing any paperwork, nor giving them any personal information. They asked if they could send an email, I told them that was fine. However, the gentlemen said that last week but I never received anything. I also informed them I would be sharing this information with an attorney and hung up the phone. Based on the comments and responses I’ve seen here, I will close my account today and figure out my next move – unless you all have some suggestions.
I will also take some previous advice mentioned above and check the state laws.
I borrowed 1k from western sky and have paid them over 1200 in the past 7 months. (what was deposited into my checking account has been paid) I went through the same issue regarding the loan was initially with western sky, then cash call, now delbert services. They attempted to get me to sign permission for them to continue drafting my checking account. IN which I declined. You don’t have to close out your checking account. just send them a revoke of ach authorization letter via e-mail. According to EFTA regulation E, you only have to notify them within 3 days of the scheduled payment and it must cease. I have stopped paying them in September and requested they submit me in writing a breakdown of my account. I have not recieved anything. I submitted a complaint with my state banking and financing division along with the federal trade commission. They attempted to send me a special offer to bring my account current in which I declined. I also had to send them a cease letter from multiple calls. I request to only be contacted via e-mail. I have not heard anything from them since. That was the end of last month.
Thanks for posting your experience Danny. It is unfortunate that sometimes the ACH revocation of authorization does not always deliver the result it should. But it is getting better when it comes to payday and online loans.
For all readers: As of today the CFPB began accepting complaints on payday loans. You can click on the payday tab on the CFPB complaint page here: https://www.consumerfinance.gov/complaint/
I took a loan with Western Sky almost a year ago. Cash call did all the leg work and after the initial phone call I never dealt with Western Sky, as of yesterday their website is not working, just a message about being unfairly shut down by the government. I tried a debt resolution company, but cash call is not an eligible loan. After reading all of the above I am going to close my account and check the laws in Colorado. Any help or direction would be great.
Lisa – Loans from Western Sky and their being purchased and serviced by Cash Call would be governed by Colorado state law. You can learn more about this from your AG website: https://www.coloradoattorneygeneral.gov/departments/consumer_protection/uccc_car/uccc.
You can call and speak with the AG office about your concerns.
Which debt resolution company had you contacted to work with on this or other debts?
I too took out a loan through western sky which was transferred to cashcall and now delbert services. I live in the state if Virginia and am leary to pay another dime. Is this legal in Virginia? I have paid over 8,000 on a 5000 loan. Any advice is appreciated.
Martina – Check out this news report about online lending in Virginia: https://www.nbc12.com/story/15048446/businesses-offering-illegal-online-payday-loans.
If it were me in your shoes, after having paid back nearly 150%, I would not continue payments, and be prepared to address any collection issues with complaints to state regulators (and federal regulators if necessitated by collection activity afterward).
I have been doing extensive research into this situation, as not only do I have a loan out with these 3 (originated with Western Sky, then moved to Cash Call, and now to Delbert Services), but also a family member has one too. Online payday loans are illegal in my state. I have cancelled ACH transactions from my account, written cease and desist letters, and filed with our state banking committee. So far, Delbert has been quiet since doing this. Just waiting for the next ball to drop. Any updates or more information from anyone would be appreciated. How about a class action against the 3 conspirators?
I have filed a complaint with my state dept of banking,as well as the ftc and cpbb i got a response back from the cpbb and delbert services response was there research has determined that the loan is valid.I disagree with there assesment and the cpbb stated they have started an investigation.They further contend that the actions by my state against cashcall and westernsky does not affect there ability to collect on this loan.My state dept of banking has enforcement actions against westernsky and cashcall.I don’t know why they aren’t going after delbert services at this time.My loan originated with westernsky then sold to cashcall now delbert services.As far as i know none of them are licensed in my state of pa and these type of lenders are illegal in my state due to not being licensed and the interest rate charge exceeds the amount allowed by state law.So my question is how can delbert services say the loan is valid?
Sorry ment to type CFPB not cpbb.
Before it was cash sky taking money out of my bank, and now some how my loan not with cash sky? Its with DSC( delbert services corporation). Does any one now why?
Westernsky and cash call have shut down and delbert is collecting illegally. Close the account and don’t sign a new contract that will make you responsible.
Since when did Cash Call shut down?
They are still issuing loans and making collection calls, so is this accurate?
Well i see the Better Business Bureau just slammed delbert services so why aren’t they doing the same with cashcall?Makes you wonder!!!!!!!!!!!!
I am in Texas is this better business bureau in Texas?
Wondering what my rights are, started out with Western Sky and now Delbert has taken over??????????????
I am seeking all Texas residents who have taken loans from Western Sky, WS Funding, CashCall, Inc. & Delbert Services — I just filed a complaint with the CFPB (Consumer Financial Protection Bureau) and found a complaint that has been filed in Washington DC. There are several states that were included in this complaint but Texas was not one of them. In all the research I have done, I find the exact procedures done in the states included in the complaint identical with what happened to me. We need to unite and file a complaint with the Texas Attorney General and all of us file a complaint with the CFPB and then pursue a class action lawsuit….The only surviving member of the trio is Delbert. All entities are owned by the same person and all are illegal. Texas has a cap on interest for installment loans which is what we all got from these entities….they are not payday loans. I believe the cap in Texas for installment loans is 16% but need to do a little more research…not quite sure. Whatever it is, it is way below what Western Sky charged. Western Sky has never been licensed in Texas & it was function as a tribal lender when in fact it was not following any of the guidelines so all these loans were made under fraudulent circumstances and we are not liable for them. Please read the complaint on the CFPB website and get back to me via email: [email edited out]. Stop making payments; close your account; send letter to Delbert that you will no longer be making payments & file complaint with Texas Attorney General & CFPB– website is consumerfinance.gove/newsroom/cfpb-sues-cashcall-for-illegal-online-loan servicing
Emma, I just found your response and would love to be a part of this. Unfortunately the forum blanked out your email so if you would like I will give you mine in a special format and hopefully it won’t blank it out. Please email me asap. I look forward to hearing from you.
yankcg
@
aol.
com
I remove email addresses in the comments of the site from time to time.
Thank you all for your responses. They have been very helpful. My story with Western Sky then immediately Cash Call began in July 2012 when I received a loan for $2675 but received $2500. After making payments for over a year of $292/mo….I was done…if a payment was a day late there were calls to my home and cell that forced me to turn off my ringer and blacklist all the numbers..finally I told them not to contact me by phone or email…only by U.S. mail…they later sent settlement offers..that is when I became courios and visited several sites and saw the lawsuits from several states and CFPB…the last communication I received was by letter from Delbert.. I told them what I knew demanded no further communication , threatened them that since I received more than 400 unwanted calls that I will pursue further action..I did not hear back from them. I am in Mississippi and to my knowledge there is not a class action filed by our Attorney General…I have paid over $3600 on a$2500 principal in a year…and just stopped…it was senseless….anyone with any further advice or suggestions?
Emma–I am from the Austin area and I would like to be a part of anything that can help Delbert/CashCall get shut down. Their interest rates are ridiculous! I’ve already filed a complaint with BBB and Consumer Trade.
Jessica, I sent a reply to the email you sent me. Have you heard anything from the Consumer Trade or BBB?
Thanks
Linda: the only thing the BBB has sent me so far is an email stating they’ve forwarded my complaint to Delbert and to await a response from them.
The BBB has finally responded with an email: they’ve enclosed a response from the company (Delbert) which states that they fully informed of all interest rates, an amortization schedule and that I never indicated that I didn’t understand the terms. I am positive that I never received information on the amortization schedule nor was I told that there would be two interest rates (which Delbert claims is false). I am, of course, refuting this but if anyone has suggestions, please let me know!
Yep me too. Tonight
I received a 2500 loan from western sky and I had no idea that I would end up paying almost 20,000 back if I paid the monthly 379.00 payment for three years. The loan was quickly turned over to Cash Call. I stopped the payments being debited from my account and then the collections started. Cash call has sent it to the credit bureau stating that it was sold to another lender. I called cash call, they said to call Delbert and Delbert said to call Pacific estates. Pacific estates will only answer with voice message and states that they or one of their partners will contact me. I will dispute this on my credit because I believe it’s illegal, it has to be in Texas.
I aminquiring about a suit or issue with sky financial institute I took out back n September of 2012I am from Texas my name is Kenny just trying to find out some more information about that I didn’t read the page that you threaten me too and I’m interested in trying to pursue this I’m going to a gay shin the tourney calling me and telling me they’re filing suit with the district attorney in my county and I need to see what I can do to cease and desist the suit what I would need to do
Evening, I’m from Dallas , Texas and I took a loan last year for $2800. I was paying $294 a month. I paid $3528 plus $500 in origination fee for a total of $4028. I was frustrated because after a year of paying $294 I still owed $2743. I went ahead and paid it all off after taking a loan from a family member. I would love to participate. Please email me back.
Roy.
Coon
@
Gmail.
Com
Count me in one the Delbert complaint in the state of Texas
I would like to get more information also. Took out s loan with them also. Big mistake
I, too, am from Texas. I took out a loan with Western Sky, then it was through Cash Call. I paid over a year on the loan. I never got a statement or anything. I paid four hundred something a month on a 1200.00 note for over a year. Finally my boyfriend offered to help me get out of that hole, and I was shocked at the interest rate I was being charged. I had paid for over a year – yet when my boyfriend paid it off for me – it was still more that what I even borrowed!!!! So yes, I would like to complain as well.
Emma, count me in one Western Sky Financial, Delbert and Cash Call complaint in the State of Texas
Please count me in on the loan situation with Western Sky and CashCall – I took out a loan in 2011 for $2600 – I have paid more than $11,000 on the account at this point and still have a balance.
I started out with Western Sky, then my loan went to Delbert and now it’s Cash Call debiting my account every month. I stopped payment, opened another bank account. Original loan was for $ 2600.-, to date I have paid back # 4720.-. They got more than the principal back from me. The max interest rate allowed in NJ is 39% on this type of loan, which is illegal in NJ.
I believe there is still a pending case against them in New Jersey. Contact your state AG and ask what steps are recommended for you from here.
Thank you Michael I will do that
Do you have any advise coming from Alabama. I have reported them and my loan was 2600 from western sky, was paying delbert and now settlement offers coming in from Cash call after I sent the letter asking them not to contact me on the phone. This is my second time contacting attorney general office after learning Cash call and delbert have slammed my credit report
Depending on the circumstances, and how quickly you are trying to close on a home, you may want to negotiate the lowest possible lump sum settlement.
See fixing your credit to buy a home for more.
Sky and Cashcall can NEVER do business in my state – the Attorneys General Office shut them down – and we all got 3000-6000 in refunds because of the illegal interest rates.
Contact your state’s Attorneys General Office
I get a loan from cash call and sign all the papers that they send me. Now they want me 2 sign a paper 2 have them take out from my bank with dsc(delbert services corporation) I have ask them 2 send me the papers. To see what im signing the only than they have send me is a paper 2 me 2 sign for them 2 take money out my account.
I have also sent complaints to our Attorney General’s office as well as the Department of Financial Services.
We have a similar situation here in New York State: https://blog.timesunion.com/capitol/archives/192587/cuomo-cracks-down-on-payday-lenders
These loans are void and unenforceable. I had two, closed my checking account, and have only heard from Cash Call, via email. I will not be contacting them, as in New York, loans under $250,000, made by non-bank lenders, with an interest rate exceeding 16%, constitute usury and are illegal. If they are sent to collection, debt collectors also received written communication from the Governor’s office they are not to collect on these debts for the same reason.
I have a $850 (of which $350 was an origiantion fee) loan originated by Western Sky, transferred to Cash Call immediately and recently transferred to Delbert a few weeks ago. At this point I have paid over $500, which I believe would be the principal. Since they transferred the loan to Delbert, with all that is going on, am I still responsible for the remaining usurious interest? By the way, I am in Michigan.
If an online lender is not licensed in Michigan is the loan legal?
Thanks,
Deirdre – Check out what the Michigan Attorney General website has to offer about your rights with regard to your loan: https://www.michigan.gov/ag/0,1607,7-164-17334_17362-171016–,00.html
Thank you for the great information you are providing on this site! I also live in Michigan and have the same sad story as the rest of the people here, however the info you are providing for Michigan is on payday loans mine is an installment loan, do you know what Michigan’s stance is on those? Is there any more info as to what Michigan is doing??
Would you have any information on proceedings in Arizona
I’m also looking for information with regard to those of us in Arizona.
I found out today that Cash Call is licensed to hold/collect/provide loans in the state of AZ. However if you feel you should not be charged any additional money (you paid off principal and then some) you can file a complaint with Arizona Department of Financial Institutions to get them to reach out to Cash Call to help. They offer no promises. Any loan over $2600 they can put a lien on your wages/personal property if you fail to pay what they say you owe in full.
So we in Az have no recourse?
https://www.mlive.com/business/index.ssf/2013/08/michigan_regulators_target_wes.html
My husband has been paying on this loan for quite some time. Who do we need to contact since this is illegal in the state of Michigan? We already closed our account and now they are calling him 3 or more times a day.
Hi Heather,
Contact Attorney Dani Liblang at the Liblang Law Firm in Birmingham MI. She has been helping me and several people in Michigan.
Interesting update on Western Sky Financial out today. They will stop funding loans as of September 2013. More about this at: Payday Lender closes up.
Are they ledge in Georgia
Alice – If you are asking whether Western Sky or Cash Call are legal in Georgia, I believe online lending is not. You should check with lending licensing and regulation departments in your state.
Michael, what about California? Cash Call in California? i have heard about the law suit to all 3 of the names mentioned in previous comments. I got a loan in July of 2012, been paying $486, and somehow its still at $5000. I’m tight on money, going thru a divorce. I can’t pay them anymore. That alone is already about $11000.
I do not see the CFPB case in California federal court being resolved this year. If you cannot afford the payment any longer, it is what it is. I personally would not put my families needs in jeopardy over a loan like this (or any loan). You make the decision to stop paying and deal with things from there.
Do you have any credit or financing needs in the next 6 to 12 months?
Western sky is actually a front company for Cash Call…. You think you’re dealing with western sky on an Indian reservation, but reality is the entire process, from origination to underwriting to servicing is handled by cash call. None of the activity happens on reservation. It all happens in California…. Even western sky’s web server is colocated with cash call’s in California.
Emails concerning your approval…. Yup cash call in California. They accidentally slipped and said cash call when I was getting a loan from them..
They will tell you that they ‘sold’ the note to cash call, but the reality is cash call handled it all from the beginning.
I believe this fact is the key to suing them successfully. Since it wasn’t on reservation they lose any protection they thought they had. Look in the email headers from them… You’ll see cash call’s servers.
I too was in a financial pinch and accepted a loan from Western Sky where they immediately forwarded to Cash Call. My loan was for $1,500 but I only received $1000. There was an “upfront fee” of $500 for the account. To date I have paid back almost $1,400. At this point I am going to stop making payments.
I live in state of alabama. What is the laws pertaining to western skye and online lending such as castle payday
Do you know the policy for Alabama? I got a payday loan from Western Sky which was then sold to Cash Call now Delbert. I paid $198.19 for several months on $1000. They charged me $1500, $500 towards a fee. I closed my account after paying for several months without the balance decreasing. Delbert Services keeps calling trying to settle. But they still want $1000.
Same thing. I had a 2600 dollar one. Letter today says principal 2520. Been paying since 9-14 295. I was in the hospital and they asked my coworker what room and if she would transfer. Later my took the call and they said it was personal so they asked when I will be out cause they need to talk to me. She asked they wanted to leave a message. I never had the, auto drafting monthly, i let them know to take when wanted them to get one time auth. So they have gotten way over principle. I have sent a letter to attorney general office and consumer financial today. Hope we get something done.ł
Hello,
Do not pay them another dime. I stopped and changed bank account. They cannot do anything to you. I live in Alabama.
Lin, how do you know they can’t do anything to you? I am in allot of trouble with these guys. Can you email me something? Thanks
Lin,
Yes I stopped paying them last year. I have the 2600 I took out in 9/2012 and Western Sky sold it to Delbert and now Cash call. I have filed complaints with CFPB and Alabama state attorney general. My CFPB complaint served as my cease and desist letter. SO I do not get anymore calls but Cash call says I now owe 6,000 since I stopped paying them in 2013. Our attorney general doesnt seem to be so concerned as other states though., I also had reporting agencies remove all of it from my credit report. I sent in all the info i had found and it was removed. Hope this helps. Have you still heard from them?
Hi – I contacted the credit bureaus and sent copies of the lawsuits filed in my state along with the laws regarding caps on interest and that these types of loans were considered void and they removed them from my credit report!!
What type of documentation did you have to provide? I fell into this trap and now have a negative mark on my credit report.
Have you heard anything else from them Lin?
Are these loans legal in Texas….I have been trying to find out but I haven’t been able to…any suggestions as to how I can proceed
I had a 2500 loan with western sky. These people are not legal and they are partners with cash call and delbert. I went to my bank and had payments stopped to them. I filed complaints on line with the Texas Attorney General and Consumer Protection. They were on my experian credit and now they are off my credit report. I also called experian to explain what was happening but you know the credit bureau is not going to do much, it has to come from the Texas attorney general and the consumer protection agency. I got the loan in 2012.
Did you attach any support to your complaint? Like proof of payments or loan documents? How long did it take to get a response from attorney general?
How were you able to get the negative off your credit bureaus?
How do you know they cannot do anything to you? How were you able to obtain that information. I need help also. Thanks
I took out a loan with Western Sky and paid them back. I again took out another loan, but this time it was more a month to pay them back. Then one day Delbert Services called and said they would be taken over my account because Western had so many other clients. Sounded reasonable. Well, like all others, my payments didn’t go towards the balance. So I continued to pay, but then I searched Western Sky and it showed all the trouble they are in and about the tribal thing not be true. I contacted the Nevada State Attorney’s office and then the Financial dept. The told me that Western Sky, Cash Call and Delbert Services had been taken to court. After taking to them, I decided that I had paid back my loan and then some . I contacted them by e-mail telling them who I had talked to. I called my bank and had the payments stopped, I which time they told me Cash Call was one of the ones taking money from the account. So both were stopped. I then received calls from Delbert Services and I told the rep what I had discovered and who I had called. I received some more e-mails from Delbert, but each time it was from another person who was now handling my account. I told them to go ahead and report me to the credit people if they like, but If I continued to be bothered, I would get back in touch with the State Attorney’s Office. I also told them that there was an article in Las Vegas about them and the document called them a respondent in the case. Western Sky had to cease and desist. I probably would have continued to keep paying the loan hadn’t I done some research and spoke to the Attorney’s office. The document stated they could not garnish your salary. So I hope this helps.
Hello sir I enjoyed reading your report on Delbert services. I am in the same situation however I live in kentucky, does Delbert have the legal right to collect on the debt from which I signed a contract with Western sky? Western sky interest rate on my loan was predatory, and I was desperate. Do I need to continue to pay Delbert now that they have taken over the account of western sky?
I too borrowed from Western Sky ($2,500) and have made 16 payments of $294 and have no idea how to find out what the balance is so I can try to pay it off. I have paid over $4,700 so feel like I should no longer have to pay this. I don’t know what to do. Should I contact my bank and stop payments. Close my account and reopen another with a different bank? I live in Nebraska and do not know where to turn. I was in a desperate situation due to medical bills.
Thank you
Gary
I sent a certified letter stating to no longer bill me, went to my back and stopped all payments, filed complaints with Consumer Trade and BBB but to no avail. The company responded stating they stand by their decision and will not stop trying to issue payments. Does anyone else have any ideas? I live in Austin, TX.
Did you ever reach out to Amy at Hill Country Law in Austin?
Michael,
No, I haven’t heard about her until now. But I definitely will. Thank you!
I tried to reach out to Amy, but she has not contacted me back. Has anyone had luck in the state of Texas??
I sent you an email with contact details to another Austin consumer lawyer with payday and micro loan experience. Let me know how that progresses for you.
Is there anything that can be done in New Jersey? Were to call of who to contact. I’ve paid this loan religiously for one year. When I inquire about pay off balance. I owe more than what I took. HELP!! I’m going crazy.
Can you please send me the info for the lawyer in Austin. I also have a bad loan with them from Texas.
anna – Check your email for that information.
Lorena: I too am in the same predicament and have yet to hear anything from the AG about what NJ will be doing relative to taking legal action against these scammers–I have paid the entire amount I borrowed and interest and then contacted the Department of Banking and stopped making payments and closed the ability for who ever they are at this point–Delbert, Cash Call….
Best of Luck especially since our bordering States have already taken Legal Positions that favor the scammed borrower….
Joe
Company responded
Cash Call said:
Explanation of closure
In summary, the loan is valid and enforceable and has not been paid in full. According to our records, Ms. Powell has made 17 of the 48 scheduled payments on this loan. The last payment was received on January 1, 2015 and the account is delinquent. As of April 4, 2015, Ms. Powell’s payoff amount is $3,483.68. Nonetheless, CashCall would like to work with Ms. Powell to resolve this matter. Please have Ms. Powell contact the Dispute Resolution department at (714) 221-3300 if she would like to discuss possible assistance options or for further assistance with her account.
Dispute
I filed a complaint with CFPB and this is what I got back:
Response from CashCall
Please be advised that Ms. Powell’s loan is not a payday or deferred deposit loan. It is an unsecured installment loan that she obtained from a company called Western Sky Financial, LLC (“Western Sky”) and that is currently being serviced by CashCall, Inc. (“CashCall”). Western Sky and CashCall are separate companies with separate ownership.
Also filed a complaint with NJ Department of Banking and they told me that this matter is not in their jurisdiction. I am so frustrated, can’t get help anywhere. Anyone know what else I can do to stop them from trying to collect ?
After filing a complaint with the BBB and disputing the company’s 1st response, the BBB has now closed my complaint
BBB of San Diego
To: Ms. Petra
Subject: The complaint has been Administratively Closed
Date Sent: 4/13/2015 2:20:01 PM
The CFPB started an investigation and who knows what will come of that, The NJ AG office has not responded. Very frustrated! Does anyone have any ideas what to do next?
I also took out a loan with Western Sky and now Delbert Services has been getting my money. The interest rate is 139% that is not even heard of and now they have mark my credit report because I refuse to pay any longer. What should I do?
I am in Texas too!
I stopped paying. As a matter of fact, I had my bank to replace the funds taken out by Delbert. Actually, they did not have authorization to collect. The account was closed. Again, do not leave your account open for them to get any funds.
Jessica,
How did this turn out for you? I’m in the same predicament.
i also took out a loan. I could use any information dealing with western sky. Thanks
HI,
I had a 2500 loan with western sky in 2012, I made about 6 payments and I stopped. I received collection calls from Delbert and a couple of others for months. I reported them to The Attorney general’s Office, The Consumer Complaint Office and Experian. They are not on my credit now. I don’t know what happened but they are gone, so someone must have followed through.
I took out a loan in 2012 and have made a total of 25 payments. My loan was for $5000 and I have paid them to date $11,700. If I stop payments in Arizona will I be taken to court or anything?? They say I still owe $5200. I can’t afford to keep paying and the last payment is scheduled for 2019 – another 4 years.
Sounds like my current situation Mudeb123. can I contact you via email. They have killed me twice on my report and now I’m trying to buy a home.
I filed a dispute about Delbert. They removed them from credit file within weeks. You can complete your dispute online. If you need more information email me. IT WORKS!
Can you please send me the link for the forms and info on filing a complaint against them?
Do you have the information to file the complaint. If you do would you be able to send to me.
Thanks.
What is the link to file a complaint online?
What type of complaint? You could file complaints with the CFPB, your state attorney general, other.
I am in same predicament as the rest of these people – I have paid 3 times what my original loan amount was, and the people at Cash Call are still calling me daily to set up more payments. As far as I am concerned, I have paid back far more than what I owe. And, now after reading a lot of research online, I am seeing that these companies are illegal. I just need to know how to disentangle myself from this, and move on. Should I write a letter saying that I consider the original loan paid in full, and do not contact me any further? Should I report to the Attorney General? Ugh! Please, someone give me some good advice here – I cannot take this anymore!!
Sarah, tried posting this to you earlier, but didn’t go through apparently. The most important thing you can do is IMMEDIATELY CLOSE YOUR BANK ACCOUNT!!! As stated in other posts, Western Sky and several other companies owned by Martin “Butch” Webb are fronts for J Paul Reddam’s lending and collection companies. Several states investigated and found that it’s all a sham to evade state lending licenses. They’ve been successfully sued, numerous judgements, both state and federal, have been won against them. They’ve lost every appeal in every court and they’re only stalling with motions to collect as much money as possible before they’re shut down. The contracts aren’t worth the paper they’re written on. Every paragraph of their contracts is written to mislead you, from the laughable “Governed by the Indian Commerce Clause”, which only governs commerce between the US Government and Native Tribes, to the Arbitration Clause. The Cheyenne River Sioux Tribe neither provides arbitrators or has arbitration rules in place. That clause has been tested and defeated every time, even by the Cheyenne River Sioux Tribal Court (See Jackson VS Payday Financial, May 29th, 2014). You know that paragraph that says you are “Bound to the Laws of the Cheyenne River Sioux Tribe”? Well, unless you’re a registered member of said tribe, you’re not bound to their laws. I live in Ohio and didn’t know any of this until a month ago. Happened to go online to see what my balance was and saw all these people talking about the topic. I read court case after court case, at least 4 hours of every day for the last month has been spent researching these companies. The loans are illegal and don’t hold up in any court in the US. Western Sky and the other companies owned by Webb are licensed by the state of SD as LLC’s, so they are bound by state and federal law. The companies aren’t owned or controlled by the Tribe, only a member of the Tribe, which doesn’t give them Tribal Immunity, even the Tribal court ruled that. Webb’s companies are a front for Reddam’s companies, started after his last “rent-a-bank” scam was found out and shut down by the government. Do yourself a favor, save your money, these guys have no legal right to it. Contact your Atty. Gen., your state’s banking/commerce dept. and file a complaint. Also, file a complaint with the CFPB, which your state AG will probably recommend you do anyway. Their currently suing and it will probably be a while before the dust settles. Also, file a complaint with the FTC. You know that paragraph on your contract that requires you to allow them to do an ACH debit with an opt out feature within 60 days? Yeah, also illegal. They may call you, even threaten you. Just know that there’s not a damn thing any of their companies can do to you. They can’t have you arrested or thrown in jail, even though they’ve threatened people with that in the past (see FTC complaints and cease and desist orders). They can’t garnish your wages, would have to get a Federal Garnishment Order, what court would grant that? (And Tribal Court Orders aren’t legal outside the reservation or to non members). And because the loans are illegal across the country, what state would give them access to your paycheck? You have nothing to worry about. Pay attention to any class action cases, especially by your state and the federal gov’t and add your name to the list.
Hi Jessica,
Yes I filed a complaint with our states Banking Commission, FTC and Consumer Protection Agency, all of whom are investigating Cashcall, Western Sky, WS LLC (also western sky) and Delbert Services. The Banking commission issued a cease and desist order and the enforcement is posted on the web page. Go to your banking commission, file a complaint with all detail but check and see if they already have a cease and desist order out. If so, protect your credit and send it to the 3 credit bureaus until it is settled. when Cash call calls you, and they will because you stopped payments tell them you are aware of the illegal practices and orders against them. They will call for about 3 days after or send emails however the tend to leave it alone after that.
Are you in Texas?
I had two loans with Western Sky in New York State. I paid them both off relatively quickly, one in five months and one in five weeks. Still I paid almost 3 grand in interest. I received a claim notice from a settlement fund and was told I am entitled to a refund. Anyone else receive this notice and if so have you received a refund?
Yes I have received letter from NY attorney saying I’m eligible for refund, filed claim two weeks ago..no refund yet ..say it can take a month before they review. .
Hi,
I live in NJ , I had a past loan paid off with cash call and current one will be finished in 3 months….high , high interest. Am I entitled to refund?
I also live in New Jersey anyone have any information on this company Delbert service do we have to pay back or with the contract be void because the company Western Sky was not licensed to do business in New Jersey please email me any information .
Thank you
I also took a loan ( for $ 2500 and I paid them $6500 ) with western sky financial and sold the loan to cash call and I filed a complaint to AG of new jersey but they just forwarded my complaint to CFPB and they said are the State is not filing a complaint against cashcall bec. they don’t do what other states are doing .I guess AG office doesn’t want to help their people against this company that scammed us.
Arnel, did you stop making payments to them? I did and now CashCall is blowing up my phone even on Sunday’s. Waiting to receive paperwork in mail from Federal Consumer Finance Protection people to file a complaint.
California’s Department of Business Oversight settled with CashCall earlier this month. Thousands of California residents will receive 125 dollars as a result to the settlement, and CashCall will have to change some of its business practices.
Petra,
You can file a complaint online. In the meantime, close your account and do not pay another dime!
Edit: Remove all caps.
Thanks for participating in the discussion Lin.
I delete all caps posts when I find them. I edited yours above. Please refrain from posting in all capital letters if you want to reach other readers on my site.
Anyone ever hear an update on New Jersey ? I stopped paying them 2 years ago and filed the complaint with the NJ AG and the CFPB, but never ever heard another word !! Come on NJ step up to the plate !
STOP PAYING THEM ASAP!!!!!!!!!!!
Have you heard any news on Delbert services, I have paid my loan back….over paid and I want to see if I could get a refund or if they have a lawsuit for the state of NJ
@DD
NJ is not doing anything to help us as far as I know. I have filed with CFPB and disputed Cash Call’s response to my complaint, CFPB has started an investigation now. and I have not heard from anyone
@Petra
It has been awhile , any news for NJ?
Does this only apply you guys in New York? If not, where can i go to file for a refund. I live in Arizona and I know Arizona State bands these type of loans. I had to loans with Western Sky and the paid both off in full with 118% percent interest. Interest on the second loan was paid at almost $4000 and I know the first loan was more. Please tell me where i can go to file for a refund.
I also got a settlement notice from Western Sky. I believe this settlement is only for those of us who took out loans with them and live in NYS. I can’t locate the original loan agreement but what i do have is an e-mail requesting a password change, that contains the original account number. My question is if Western Sky and Cash Call are the same company, can i submit the loan agreement for Cash Call also?
Torrinio,
I went to the Department of Finance in Arizona and was told that Cash Call and Delbert are both able to provide loans in Arizona. They said there was nothing they could do for me other than allow me to file a complaint. Once they have enough complaints they said they can review. I got fed up and paid a settlement because I was not going to pay until 2019. I am going to fight it on my credit report when they report the settlement. I am over the whole situation but I am going to continue to watch as if there is a class action suite I plan on jumping on board. I paid them over $15,000 and they only applied $2.30 to my principal. Scammers.
Can you let me know where I can get info on the claim settlement? This would be very much appreciated.
Any experience with Tennessee? I finally said Enough to these people after paying for almost 3 years. I sent a cease and desist letter, and they responded with a letter saying they are aCheyenne River Sioux Tribal Member owned business, and they don’t have a physical presence in my state, or any other state in the union, so basically the rules don’t apply to them.
Surely not!
Anyone?
KC – I received an email response from a comment subscriber as follows:
“I am not in Tennessee, I am in Nebraska but in my state the attorney for the Department of Banking contacted them directly on my behalf and they backed off. They sent me a letter saying it was paid in full. If you would like any correspondence I used with them I would be happy to send them to you.
Gary”
Gary,
That would be great! I would appreciate it very much.
Gary, could you please send me the letters that you used as well: jazzieblu1116 at gmail dot com
[edited email phonetically]
I would LOVE that info too! Can you send to trueworship99 at yahoo dot com?
can i get the info also?
Can I get that info too… thx
Where could I find out if cash call is licensed to do business in Idaho?
Contact the Idaho state Department of Finance at 208-332-8000.