Consumer Reviews and Complaints
I wasn't aware until the very end of the fees they charge and didn't feel I could back out. $2500 is going to cost me just under $14,000. Western Sky hides behind tribal law and states that federal and state law don't apply. Today Cash Call said they aren't a payday loan company. In Texas my APR is approx 30%. When called on it, the response was that the loan was through Western Sky, not Cash Call. I have had numerous experiences with payday loan places and other financial institutions, Western Sky/Delbert Services/Cash Call is the worst by far.
I have been paying payday loans out since 2012. First these people contact me telling me I owe them 1 thousands or so but I can settled if I pay 586.00. That was in 2013. I paid CashCall. Then in 2014 it was Bottom Dollar. I paid them 586.00. Now it's Western Sky. They claim I owe them 349.00 or they will take me to court and it will cost me 5 thousands. They will call my job which I'm not working at the time. Every year someone is calling me from a payday loan saying I owe them money. They told me this payday loan was done online in 2013 but my bank account been close since 2010. So where was the money deposit in 2013 if the account is close? I need help with this please.
I paid for over a year and stopped because husband lost job, I had to go on disability because of health. No word from them in 4 years. Then they left message saying they were the court clerk Claudell When called them at the number. They lied.
Borrowed $2900 from WesternSky. Was told the payments would be a maximum of 4 years ($11k w/interest). My account has gone from WesternSky to CashCall to Delbert and now back to CashCall. In almost 4 years the principal owed is $2300. I am sick of being harassed and charged $29 late fees plus whatever my bank charges for overdrafts. I wish they would work like other places where the debt actually does goes down. Not stay in one place for a year. The whole bunch don't care about the consumer only their money. They are worse than the mafia.
Borrowed $2500 and to date paid $7500 already! Contacted CFPB but no results. Saw news report online dated 12/16/13. Consumers in eight states (AZ, AK, CO, IN, MS, NH, NY, NC) got to stop payments as suit was won. What happen to other states and don't think it is fair!! Still trying to stop payments but can't afford a private attorney! They call me 24/7 from 5:00 am - 9:00 pm my time!! I am in the state of Hawaii.
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I had applied for a loan, western sky issues me $800. I started paying them back to be notified that, not but 4 days later the account was sold to cash call. After making a few more payments I closed my account because I couldn't afford it anymore. Now I have been threatened by a lawsuit if I don't pay them. I have made arrangements with them but I am not happy that they would try to sue me after I told them that i am currently in a bad financial state.
I have had a very unpleasant experience with Western Sky. The company has hired this company called Western Legal that has harassed me for the past year and a half. They continue to leave ugly messages on my voicemail at work and they even call my boss harassing her. What kind of a professional company does that? I keep telling them constantly to please serve me with my court papers so that we can go to court because with all of my harassing phone calls I believe I can collect about 10,000 dollars or more off of them. If there is anybody out there that is considering taking out a loan with them please don't do it because they are an awful company to deal with.
I borrowed $500.00 from W.S. jan/2012. I was injured, lost my job. I was notified 2/2013 and harassed, offered a settlement, paid $500.00. Then received a call today threatened me to serve me attorney papers and I owe $2400.00. Have 3 days to borrow or come up with $318.00 down $218.00 monthly totaling to $1,418. And I'm a liar, didn't pay cashcall.. that must have been another loan. I am confused. Will I be served, go to court? Is this a judgement? I don't know what to do. I'm starting disability checks and scared they will take it.
I took out a $300 loan and now I am being contacted daily 3-04 a day saying I owe them $2,016. I cannot believe this. Fortunate, I know a Tribal Judge who I am going to speak to and see if he can help me with this. My husband just died and I am in debt.
I needed some money and got some through Western Sky... I was having trouble paying my bills due to a job loss and ended up getting a company to help get them paid off.. They send my creditor's money every month. Western Sky, now Delbert, is on the payment system and are getting money every month... BUT Western Sky has a debt collector calling me numerous times during the day and at night trying to collect money. They are getting paid and it is really getting annoying.. Don't know how to stop them.. Being nice doesn't work, so I tried being VERY rude.. That didn't work either.
7,000.00 and received a write-off letter after I closed my account last year due to calling them to see what my pay-off was, and it was still more than I borrowed - they want 14,000.00 from me!
Well, after not hearing from them for many months, I just got a phone call from Connecticut this past Thursday. They told me I had 2 complaints stating I wrote a bad check! They gave me a court case # and said I need to go to court in South Dakota, and they were serving me papers at work on Thursday, November 6th. However, I said "please bring them to the house, I was off of work." So I went to speak with an attorney. He told me it sounds like I am being sued. Basically, I do not plan on ever paying them any more money. I am not going to South Dakota to court and they did not say where this was. I am not going to jail. I waited all day at work on Friday to be served. Nothing happened. They wanted 2,700.00 from me immediately last week Thursday, November 6th. After all is said and done, if need be, I will file bankruptcy!!!! This will go down in HISTORY! Stay away from all payday loans. Lesson learned here.
My loan started with Western Sky then Cash Call now Delbert. I borrowed $2600 of which I only got $2575.00. I have paid to date $7938.00. Of which most of my payment has gone to interest mostly. I think I've paid three times what I have borrowed. I'm almost done paying them I think, but hope they don't spring something on me towards the end. If I didn't have to pay anymore I'd stop paying them any more money right now. Is there really a way to just stop? If they have been sued why are they still in business? Can I stop paying them without them coming back and sue me?
Three years ago I borrowed $1500.00 from Western Sky. I was desperately in need of the money and had nowhere to turn to obtain a loan when I decided to give W.S. a chance. It was the best move I could have made. Yes, the loan was expensive, but I paid it off in the timeframe required - about $294.00 a month. I never received any drama with this loan, and I received a confirmation letter from W.S. that the loan was paid in full. Unfortunately, I have moved twice since that loan and no longer have memory of the password I used nor the paperwork received. I would recommend W.S. to anyone in need of a personal loan with the means to make the payments.
Took out a $1000.00 loan and had to pay back $4106.79. I still have the paper work.
I got a loan with Western Sky. Paperwork comes in the name of Cashcall. Then next thing I knew get calls from a company named Delbert and now another company named Meyers Group. I don't know what is going on with this. I have paid and paid and still having to pay. This has gotten to the point of being the worst thing I have ever done. Does anyone know if this will ever end, or do I just let them take me to court and see what happens. I borrowed 2500.00 and I have done paid that much plus back. How much do these people want. Do they keep going from company to company so they can get more and more. I am almost ready to offer my blood. Can someone, anyone tell me what I need to do..
I was in a auto accident and we were not able to pay the loan. We tried to call and make arrangements and nothing became of that. We ended up not able to pay the loan. One day, some lady from another place representing Western Sky (Legal Rep) said if we did not pay that moment she will pick my husband up at his job and arrest him. I was off work for back surgery. She stated she was going to go to my job as well if she could not pick up my husband. She said if I didn't pay $2000.00 right now then when my husband went to work 2nd shift that sheriffs would be there to pick him up and take him to Jail. Who would mess with people's Jobs. Then I informed her I am off work and all I had was $1500 that was supposed to help me when I was off work. She took that and would not allow me off the phone till the bank processed the funds. Then she said she would email me a receipt.
I never received a receipt and I called her back and left a voicemail demanding a receipt. Never received a call back nor a receipt. For one, this against the law if she really wasn't representing the Law and two to put such panic on me and my husband and empty my bank account. I believe she owes me and my husband compensation and so does this company. I understand they deserve their money but certain situations people can't help if they were in a accident.
I'm paying high rate for a 1,000 dollar loan I took out in 2012 for my daughter to get to college out of state. I am so upset I have to pay back almost 5 thousand dollars - not fair.
I have been fighting Western Sky/CashCall, and now Delbert, for reporting their illegal loans on my credit report when I refused to pay more than the principal after getting information from the Attorney General in my state. The credit bureaus refused to investigate properly.. Here is what actions got this removed.1. File a complaint with the Consumer Financial Protection Bureau (CFPB) against CashCall/Delbert & Western Sky. They are also currently suing CashCall. Your complaint will go on record and a settlement has not been reached yet.
2. File another complaint with CFPB against the credit bureaus reporting this.
My credit was fixed in 2 days once I did this. Prior to this, the credit bureaus did not investigate properly or they would have seen that this was not legal to report a loan made by an unlicensed lender. Wish I had never used these people.
I obtained a ten thousand dollar loan in 2012 and paid $743 and some change a month. After a year and a half later I recently checked to see my remaining balance only to find out I still owe $10,500 and some change. I asked why is it so high and was informed that I was only paying the minimum and needed to pay more to get my balance down. I was sent an email by delbert services of the cost to repay the loan and interest rate. My loan went from western sky to delbert services without me knowing until I received a letter in the mail. I feel trapped forever in debt. I don't know if I have to pay this loan back since I live in North Carolina. My advice to everyone, steer clear of this money racketeering money scheme.
I received loan from WesternSky financial on July 15, 2013 for $2600 and my first payment of $165 was due on August 1, 2013. But on the July 22, 2013 I received an email stating that my loan had been sold to Delbert services and that they would be processing my payment from this point. I was kinda puzzled a/b the transfer of my personal business so quickly. I never signed any document for Delbert services or emailed them any documents but they continue to take payments of $294.00 monthly. So after reading the reviews a/b cash call, WesternSky and Delbert services, I decide I needed to look into this matter more closely so my question is, have the state of TN file a class action suit against these companies?
I took out a loan with Western Sky in 2012 in the amount of $2,600 at an interest rate of 135%, with monthly payments in the amount of $295.00. When I contacted Delbert Services the company that bought the loan from Western Sky in January of 2014 I was told the loan balance was still 2800.00.
I took out a loan with Western Sky in January 2013. I have been paying $198.18 a month and yet my balance has not gone down. They transferred my loan to Delbert. However, I only wanted a $1500 loan and now I will have to pay back close to $4000. When I saw this commercial on TV, I thought it was a legit company but it was all lies and false advertising. It was suppose to be a short term loan. Am I required to pay this back considering all of the companies that are affiliated with Western Sky is being sued for banking laws? And I find it hard to believe that Western Sky was able to sell their loans off to other companies so they can still collect some form of commission on the original loans they gave consumers. So, they found a loophole to be able to still collect even though they ceased giving out loans.
My husband took out a $2600.00 loan from Western Sky, which went to Cash Call. @ $195.00 payment for the last two yrs, one would think it would be paid off. It's not. We took a loan out to pay them off. Loan was overnighted. Of course they took our Payment out and no word of payoff or money back. We all need to start a class action lawsuit against Cash Call. When they would call us for no reason at all, Costco would come up on caller ID.
Yes, I took out a loan for $1500 and I paid over $4000.00 back and it only put me in debt even more.
I took a 1500 loan from Western sky. They deposited 1000 into my account and kept the other 500 for fees. I just paid the loan off back in March of 2014. After all was said and done I ended up paying 4924.19. My loan started with cash call then went to Delbert. Annual percentage rate on this loan was 232.83%. I paid 198.19 on this loan for 24 months.
I feel so crazy for even dealing with this company. I swear I think I've been paying them for at least a year if not longer. Finally closed my bank account so they could stop drafting the $200.00 payment they were taking at the beginning of each month. Now Delbert Services wants me to pay $100.00 monthly for 17 months, more reasonable but seriously I feel like I should be done by now.
I borrowed $1,000 from Western Sky on 8/2/2013. Delbert Services showed up on my automatic payments one time. Cash Call every other time. By 12/13/2013, I had paid them $1,367.14 and still showed a balance of $1,459.55.
I took out 3 loans with this company and each time they sold it to another company. The first two was sold to cash call and the last one was sold to Delbert. I tried to pay the first loan off which was for 2500 and the payoff was 2600. The second two loans were for 5000 and I only needed 2000 and I paid back 3000 and had to pay 486 dollars for 7 months to pay it off. I questioned the interest rates on each loan and I later found out that they were being sued for over the limit interest rates. I contacted the Consumer Financial Protection Bureau and filed a complaint. They did not tell me but they filed a lawsuit against these companies in December 2013. I am waiting to hear the results.
I took out a loan for 1500.00 dollar's to help with moving expenses. My loan was approved and the company Western Sky put $1000.00 in my account and kept $500.00 for fees. I have been paying $198.00 since May 2012 monthly and still owe $1500.00. At first, it was Western Sky, then it went to Cashcall. Now I am paying Delbert Services. I am still paying and getting numerous phone calls sometimes 10 or 12 calls in a day.
I borrowed money from western sky. Immediately they sold my loan to cash call. I was paying them 200.00 a month. I had borrowed 1500.00. I paid them at least 6 months of payments when I couldn't pay this amount. I contacted them to negotiate a smaller payment and with each call they became ruder and ruder. Today I received a call from a so called process server who wanted to know if I would like my subpoena delivered to my home or my work. I asked him what this was about and he claimed he didn't know and to call a phone number he gave me. When I called this number they did not identify themselves as western sky or cash call but did proceed to tell that I owed them 3600.00 and they would take a settlement for 1500.00, the original amount I borrowed.
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