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Dealing with Delbert Services/CashCall



Sub: Dealing with Delbert Services/CashCall
Fri, 30/03/2012 12:27

In 2007 I took out a loan with CashCall. Due to finances I stopped paying in 2009. In The spring of 2010, I recieved a communication from Delbert Services that they now had the account. I sent the Debt Validation and Cease and desist letter using a template from this site. The response did not come from Delbert but from CashCall. In addition to all account info, the letter indicated that the account was now with Delbert Services.. But there was a problem: in my letter I had asked for documentation that Delbert was licensed in my home state of Florida. There was nothing in their response addressing this issue. Over the past two years I have recieved numerus settelment offers from them but have not responded because I did not believe they were licensed here. . Last week I recieved another settlement offer, but yesterday I recieved a different communication in which they are threatening to move ahead and posibly take me to court. My last payment was in the fall of 2009 to cashcall.

I have two questions:
1.CashCall loans are or were funded by the National Bank of Delaware. The APR is 59% . If I understand it correctly, Florida Ursury laws do not protect me since its a bank and they can charge what ever APR they want. Is that correct?
2. What are my rights since they failed to give me their Florida license info? After recieving their communication a few days ago, I researched I found they are licensed. But aren't they required to give me the info if I request it in a timely manner? ( its been two years since I requested).
My request in 2009 was sent via certificated mail.
Looking fot advice.
Thanks



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paulmergel
paulmergel


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Sub: #1 NOWed, 04/09/2014 - 10:16



and as long as the loans was originally ws/cc it doen't matter.they are acting illegaly on an illegal loan.nuff said.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


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Sub: #2 AlabamaWed, 04/09/2014 - 08:23



Is Delbert Services legal in the state of Alabama?


paulmergel
paulmergel


Posts: 15247
Credits: 122838.82251633 Send message to paulmergel

Sub: #3 wellThu, 04/03/2014 - 05:29



read the post above yours.stop paying them.close your account and open a new one.i suspect the only reason they are still around is because of posters like the one above me.btw you overpaid this by over 7000.of course they won't settle.evil shit like this as long as they can debit why bother listening?close the accoount and send them an FOAD letter.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


Unregistered

Sub: #4 Delbert Services/Cash CallWed, 04/02/2014 - 13:07



I received a loan from WesternSky/Cash Call and now Delbertservice is taking my money. However, I did not give them permission, which they have been asking for, my principal keeps going up. I have paid them over $12,000 on a $5000 loan and asked for settlement, they won't


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Sub: #5 To Whom It May Concern: Cashcall, Western Sky, Delbert ServicesFri, 03/28/2014 - 22:07



Reasearch the information on the internet. You will find it quite interesting. They do not have a license to make loans in Michigan. I have a loan which is no longer being paid as of now. As a matter of fact, I have kicked their butt to the curve. Take the threats. If anything goes on my credit file, I plan to write the credit bureau to let them know that it is an illegal loan which is a tribal loan. They can take the principal which is m,ore than enough. You should file a complaint with Consumer Financial Protection Bureau. It is time to fight them back with their ....................... Stop don't send them another penney.


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Sub: #6 delbert western sky cashcallWed, 03/19/2014 - 09:19



yes they are all illegal in Michigan. Cashcall westernsky Delbert are all owned by same person. Do not pay anymore than principle amount. I was told by OFIR of Michigan to pay only principle. The Federal Trade commission also said same thing. I did see a consumer lawyer to get the company off my back. Just remember the companies are illegal in Michigan file a complaint with attorney general and federal trade commission and contact a consumer lawyer


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Sub: #7 Western sky/cash call/Delbert Tue, 03/18/2014 - 14:48



I also live in Michigan my loan went from western sky to cash call to Delbert. Is Delbert illegal as well? I am interested to know more. I tried to have my loan adjusted to make it more affordable so I wouldn't default however Delbert was not having it. How do I go about making a complaint or finding out if they are illegal?


paulmergel
paulmergel


Posts: 15247
Credits: 122838.82251633 Send message to paulmergel

Sub: #8 WELLFri, 03/14/2014 - 07:31



since western sky is tribal they are illegal,and so will be cashcall,and delbert.i do like the advice about a lawyer as they are crooked,and evil in the exterme.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


Unregistered

Sub: #9 westernskyFri, 03/14/2014 - 07:14



check with attorney generals office of NV and see if westernsky cashcall or Delbert is licensed in your state for personal loans if not only pay principle amt. Also contact Federal Trade Commission. There is lawsuits in multiple states against westernsky cashcall California has won a lawsuit against them and won. I would check into this and DONT SIGN ANYTHING. Call consumer lawyer about the company I did they helped. Hope this helped


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Sub: #10 DelbertWed, 03/05/2014 - 09:22



I lived in Reno NV when I got a loan from cash call. About a year later it transferred to Delbert and do to money issues I had to stop paying. I have since moved back to California after being in Reno for two years and Delbert keeps wanting money and has messed up my credit. I have recently contacted them about paying and gave them $166 and asked for a contract for 7 payments of $333. They told me this was okay but have yet to give me the contract and its been 5 days. I have pretty much paid back the loan but they have added interest and now they want over $4k.....how do I stop them?


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