Western Sky/Cash Call

I had an installment loan with Western Sky for 500.00 and it was immediately taken over by Cash Call (\"serviced by\" as they say). I live in Illinois. They add on a service fee of 350.00. I have paid them over 1100.00 and it came to my attention on this forum that they are illegal in all states except CA... I am confused because in earlier forums on this website, several people stated that cash call is backed by FDIC and so therefore legal and they can sue... I\'m confused. Are they legal or not?

4 Answers

you got screwed and you only had to pay back 500 dollars. Do you feel bad. You should. Think of what you could have done with that extra money you idiot.


I recently received a letter including the origial loan agreement and payments made.  They are reminding me that I signed the loan with knowledge and understanding of its rules and regulations etc. I have already closed my account and told them I overpaid them.  Should I respond to this letter

they sent or just ignore them from here on?

 

 


Is it an installment loan or PDL???

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

They are illegal. You should ask for a refund.


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