
Jacquelyn of Pittsburgh, PA on Jan. 21, 2012
Satisfaction Rating1/5
I am going to tell you what happened and what I did to resolve the problem and how you too can get at least some assistance with the phone calls at least!
I initially took out a $500 loan with "Western Sky", a company advertising on TV. WS put the money in my account and immediately sold the loan to Cashcall / CashYes / HPK / CashJar. I started getting phone calls from Cashcall immediately. My payment was not due for a month, literally. In the span of three weeks, this company called me at my place of work, my cell etc. and left message after message, saying it was a welcome call, to call if I had any questions. I was very annoyed at this and did not bother to take the calls. After all, payment arrangements were already in place so I had no need to speak with them.
Next, I received an email saying they had been trying to contact me to go over any questions I might have naturally, I didn't respond. They continued to call and I continued to ignore them. They then mailed me an informational letter with the details of the loan I had taken with Western Sky and it also detailed the repayment arrangements and my bank acct information. I set the information aside after verifying it was correct. They continued to call. I decided to contact them and tell them to stop calling me, that there was no issue. I asked for a supervisor and ended up leaving a message - requesting a return call and explaining that they were calling me 3-4 times a day and I was tired of this. No supervisor returned the call, instead I continued to receive calls and messages over the next few days.
I finally answered one of the calls, very rudely I answered and immediately requested a supervisor. When a supervisor came on the line, I told her about my voice message from three days ago and that I had never received a call back. I told her I had received in excess of 80 calls over three weeks and that it needed to stop. She did agree to make the calls stop by placing a message in the system. I also managed to get the mailing address, a PO Box, after telling her I wanted to mail in a payment. Two days later, I sent a certified letter to the company (the letter appears below) letting them know they were not welcome to call me again, ever.
This is called a cease and desist letter and they do have to legally comply. If you place a request in writing to any company (even if it's someone you owe money to and have not paid) telling them they are not to call you at your home and/or place of business, they must stop the calls - they are legally bound to do so. After speaking with her I didn't get any calls for about 2 weeks. During that 2 week period, the first payment was taken out of my bank account. Shortly after, I received another call from Cashcall, they left a message about a "special offer." When I got the message after work, I immediately called and requested a supervisor.
After getting hung up on a few times, I did manage to get a supervisor who didn't seem to understand or care out the cease and desist letter. She also informed me there was no letter in my file. I told her the onus was not on me to produce or comply with the letter, the onus was on her company and its employees. I informed her my certified receipt showed the letter had been signed for on January 10, 2012. I also explained this was a legal document and they needed to comply and that they had failed to do so. She did want to know who had signed for the certified letter and I promised to call back once I got home to tell her the name on the receipt.
I didn't make it back until late but I called the next morning. I spoke with another supervisor by the name of Tyrone who looked up my information and then promised to delete all information. He said since the account was paid off, there was no need for them to call me. Needless to say, I was a bit (a lot) surprised. I asked him to repeat that and he told me the account was marked as balance paid and had been closed. I asked him to also remove all banking information and my address as well. He did promise but I am not holding my breath. I will wait until after the payment period has passed and see if they truly did close the account.
I don't know that any of this will work for you, but I am including a copy of the letter i sent. It includes the actual PO Box you need. Don't forget to send a cease and desist letter via certified mail so you can prove they did receive it and the time, date and name of he person who signed. Best of luck and I wish you no more phone calls!