• Report: #1126475

Complaint Review: Delbert Financial Services

  • Submitted: Tue, February 25, 2014
  • Updated: Wed, May 07, 2014

  • Reported By: Cagedbird714 — Belleville New Jersey
Delbert Financial Services
P.O. Box 4730 Anaheim, California USA

Delbert Financial Services, CashCall, Western Sky Illegal Loans and Collection Practices Anaheim California

*Consumer Comment: You know what you are getting into....

*Author of original report: Can't touch you....

*Author of original report: You got to be kidding me!!!!

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Delbert Financial Services /CashCall/Western Sky....All of them should rot in hell.

I was in a financial bind in October 2012 and applied for a loan with Western Sky.  I received a loan for $2600.00.  Two days after I got the loan I received an email from them indicating that my loan was sold to CashCall it was then that I found out that my loan had an interest rate of 135%.  Western SKy gave me a song and dance about they only give out the loans that CashCall was the company that handled the payments.  I made ontime payments up until 9/2013 for $294.46.  I looked up my account online and it said that only 39 cents was paid towards the principal of the loan... I paid $2944.60 in nearly a year and only 39 cents is showing towards the principal.  I stopped paying for about 2 months and the calls started again day and night/night and day again.  So I made arrangements to start making my payments again and as soon as I did. I finally made arrangements to make a payment and the next day I get a call from Delbert Financial Services.  They told me that CashCall sold their deliquent accounts from Western SKy/CashCall.   I told them I was not deliquent.  They said they deferred the payment from October and all I had to do was make a payment in November.  I did.  Then I put a stop payment order on my checking account because I found out about all the lawsuits and that by law they could not charge you 135% interest rate.  And they are at it again with the phone calls.  

If you have an account with them DO NOT PAY... CALL your lawyer and file a lawsuit.  You supposedly got your law from an indian reservation.  They are not bound by the laws of our country so you do not have to pay them.

Stop the outrageousness.

 

 


This report was posted on Ripoff Report on 02/25/2014 02:39 PM and is a permanent record located here: http://www.ripoffreport.com/r/Delbert-Financial-Services/Anaheim-California-92803/Delbert-Financial-Services-CashCall-Western-Sky-Illegal-Loans-and-Collection-Practices-1126475. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
2Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

You know what you are getting into....

AUTHOR: Sam - ()

All I have to say about Western Sky/Cash Call/Delbert Services is that when I took out the loan, it was explained to me VERY clearly what I was getting into.  The honest truth was, I was in the middle of a legal battle, and I had to come up with $2,000 to pay my lawyer.  I got the money that day, paid my lawyer, and won my legal battle, but I was faced with a $2,600 loan at like 139% APR with a $300/mo payment.  

For the past 4 months I paid the $300/mo payment, and today I paid off $2706 to retire the loan.  The representative was VERY polite, and I am quite sure she would have worked with me if I needed to.  Also, it was explained to me that interest accrued daily, so making the minimum payment actually made the loan go backwards (crazy I know).  My point is, this loan is a TERRIBLE deal, but the company isn't dishonest.

I paid almost $4k for a $2600 loan, but if Western Sky wasn't available to help me out in that dire situation, I may have lost my job.  I thank god for Western Sky being there when no one else was.  4 months later I have paid down most of my debt, settled all collections, and now have paid off this very high interest loan.  Be realistic before you put yourself in a situation to be dealing with these companies - you have to have the capacity to pay back the loan quickly or else you will be stuck with a big bill for the rest of your life.  

PS If Annette reads this, thank you for congratulating me on paying off my loan today! It hurt to surrender that much money, but if it weren't for you guys I wouldn't have a job!!

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#2 Author of original report

Can't touch you....

AUTHOR: Cagedbird714 - ()

I just got a bit of interesting information.....They cannot post any activity on your credit report.  I just looked up mine and I will admit both CASHCALL AND DELBERT were listing activity there and it is no longer there.  Not on the deliquent or good standing reports.  The courts are working....

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#3 Author of original report

You got to be kidding me!!!!

AUTHOR: Cagedbird714 - ()

So I needed some information for this report on Delbert and I logged into my account.  If I paid off the loan today it would be $3776.44 and the current balance is 2566.82. SO over 10 months only ... Hmmmm....what happened to the 10 months of payments.  You mean to tell me only $33.18 has been applied to the principal.  That is outrageous!!!!

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