I live in Illinois. In December 2012 I took out an online loan in the amount of $2,525 from Western Sky/Cash Call. Sometime in 2013 Delbert Services Corporation took over the loan.
I have made monthly ACH payments in the amount of $294.46 since January 2013. So far my payments have totaled $3,827.98.
On January 24, 2014 I sent Delbert a Cease and Desist letter via email. This was their response to me:
“Thank you for your correspondence. As of 1/24/14 your account has been placed in a cease and desist status. We have also received your request to stop your ACH automatic withdrawals and as of 1/24/14 your request has been processed. All communications from Delbert Services going forward will be communicated in writing through mail or email only. We have sent you a letter of Validation via USPS to further explain the legalities of your loan. Please understand that you are still responsible for the repayment of the loan. I would personally like to address any concerns that you may have regarding your loan. You may contact me directly at 714-221-3819.”
I don’t think that any of these businesses are/were licensed to do business in the state of Illinois. My initial thought was just to ignore them going forward, however, I have heard that Delbert is putting derogatory marks on people’s credit reports.
Any insight would be appreciated.