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just received letter from Delbert after months of silence. yes it is a loan originated with western sky. how do I proceed with Delbert?

I got them this weekend for my husband and I as well. Came to the boards to see what I can do. Hopefully we'll receive some guidance soon!

Sub: #1 posted on Wed, 11/20/2013 - 20:01

ltitterington2 ltitterington2

(Posts: 1 | Credits: 0.1)

all three of these places WS/CC/DELBERT are going not respond at fact send a C&D letter certified mail return shouls file a complaint with your AG,AND THE that knowing that delbert is a piece of crap along with ws/cc.

Sub: #2 posted on Wed, 11/20/2013 - 21:03

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

Paulmergel, So the only thing I should send to DSC is a C&D? Do I dispute the legality of the debt and send them the illegal payday loan letter as well? I was so hoping all of this was behind me. I haven't heard from CC/WS in over a year, now I get this. The principal was paid back on my loan, I revoked ACH after that. Thanks for any and all help.

Sub: #3 posted on Wed, 11/20/2013 - 22:39

cookielady cookielady

(Posts: 1 | Credits: 0.1)

To Delbert Services on behalf of CashCall, Inc. and Western Sky Financial:

I am in receipt of your correspondence dated (insert date of letter you received) regarding the above account placed with your office by WS Funding, LLC (serviced by CashCall, Inc.). (A copy is attached for your convenience.) I vehemently dispute the claim of your debt collection notice. Pursuant to the Fair Debt Collection Practices Act, Section 809(b), the Texas Finance Code, and Texas Fair Debt Collection Practices Act (insert your applicable state information here), I am mailing you this dispute letter within 30 days of receiving your undated dunning letter.

As I am sure you are quite aware, Western Sky Financial, LLC, a South Dakota chartered LLC is not a licensed lender in the state of Texas (or in any state in the United States) as required by the Texas Finance Code (enter your applicable state information here). Western Sky Financial, LLC blatantly and knowingly violated various sections of the Texas Finance Code (insert your state info here) when it issued the $2,600 loan referenced in your notice. Therefore, the contract is null and void and unenforceable. As you are aware, payments have been made on this account totaling $_______, which is an overpayment of $________ of which I have requested a refund of this overpayment on this illegal/invalid loan.

Your company is knowingly attempting to collect on an illegal/invalid debt. Any continued attempts to collect this illegal debt, including reporting any illegal and inaccurate information to the credit reporting agencies is a blatant violation of both federal and state laws and I will not hesitate to report violations of the law to the appropriate legal authorities.

Govern yourself accordingly.


Sub: #4 posted on Wed, 11/20/2013 - 22:54

momofthree27 momofthree27

(Posts: 358 | Credits: 46.68)

send that very letter verbatim.

Sub: #5 posted on Wed, 11/20/2013 - 23:20

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

thank you for the advice, given the number of people also asking questions with the post seems like Delbert sent out a lot of letters this past weekend. will mail them the response momof3 has provided. thanks for all of the advice. good luck everyone who is in the same boat.

Sub: #6 posted on Thu, 11/21/2013 - 05:54


Unregistered and ltitterington2:

I'm curious, have Delbert reported on your credit reports yet after being "sold" (yea right) by WS/CC? So far, it's been quiet on the CR front and I'm hoping it stays that way, but wanted to get ya'lls input.

I know CC did when they took over the WS loan and it's listed on my report as "Closed/Never Late", but after that nothing. I'm just hoping Delbert doesn't decide to pop up after a long silence.

I too received the letter, but hadn't replied at all. I'll send them the letter momof3 so graciously posted.

Sub: #7 posted on Thu, 11/21/2013 - 20:20

JujuNola JujuNola

(Posts: 102 | Credits: 17.38)

Thanks momof3 I sent my letter to Delbert today!

Sub: #8 posted on Fri, 11/22/2013 - 09:49

Mitch Mitch

(Posts: 70 | Credits: 8.71)

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