Cash Call Keeps Calling!

Cash call keeps calling! I answered the phone Wednesday night and it was Cash Call! I told them to stop calling that my husband was not interested in any other loans! They won\'t stop calling my cell phone! I just found out they bought the loan from Western Sky! Why are we being harassed by these people? I have their number blocked, so I don\'t answer now! I\'d love to sue for harassment! They keep calling and the loan isn\'t due yet! Is this company legal? I know it\'s a moral thing to pay them back, but can they garnish my husband\'s wages or sue him if we don\'t pay?! More importantly, can they have him arrested for non payment? I\'m trusting all information, so I\'m hoping you guys are right in your advice!

8 Answers

i like the answer given by "Brown" because i had same experience with cash call. i paid them over 3500 for a 2600 loan and stopped paying because i realized the loan was illegal. they took me to court and the Judge ordered them to refund me $921 and it was the happiest day of my life. they wasted their money taking me to court. i also reported them to the AG of my state, BBB and ripoffreport. i was also able to get them of my credit report with the court papers.

native american or not, means NOTHING because the already broke the rules by advertising to the general public and giving out loans without being liscensed. if you give out consumer loans as a native american business and charged more than 12% in interest rate, you are automatically required to be liscensed in the USA territory, but the problem is they can not get the liscense because their high interest loans are illegal in the USA and this is why the loans are immediately transferred to cash call, which happens to be liscensed mortgage company and hidding under the umbrella of "SERVICING" the loan.

YES, cash call can be sued. just call the FTC, OFR or your state Attorney General. You can file small claims for defamation if they affected your credit report or hire an attorney who is experienced in civil rights violations and usury.


Thank you Mike!
We closed our account on Thursday, well, it's not completely closed because my husbands pay check was being direct deposited, so it's a deposit only account now!  My bank said if they close it, anything that goes through can reopen my account.  So I asked her to do a hard close on it. 

I don't want to be liable for anything going in that account.  Not to mention we've already had money deposited that we did not ask for and had to figure out who it was from to get them to take it back! lol  Glad that account will be closed tomorrow!

Stephen it's my guess they are calling to verify information or something to that sort.  I do not answer my phone for numbers I do not recognize. I have lots of numbers blocked including cash call and I am thinking of spending $36 on changing my number since it's all over the net!  Hubby needed a payday loan and got one with Western Sky.  :(  I wish I had known all this crap.  I'm the type that if you nag me you piss me off!  I have a temper. lol


Both Western Sky and Cash call are illegal lender. So you are responsible only for the principal amount. You will be happy to know that illegal lenders won’t be able to take any legal action against you. That means they can’t sue you. Close your bank account asap to stop unauthorized withdrawal.


Wait! Is CashCall calling to collect or give you another loan?


I agree with what Soaplady has said. Return the entire loan amount. This way you won't have to worry about wage garnishment. Debts are civil. This means no one can be arrested for non-payment of debts. Western Sky and Cash Call are brothers. Most of the times, Western Sky sell the loans to Cash Call. This happens a lot of time. I am neither surprised nor shocked to hear this.


They do not need your permission to sell a loan...that is their right.

Personally I would say return the entire loan  them overnight mail asap. 

Did you read the link in my signature line??   It tells you how to dead with wage assignments.

 

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

Hi Soaplady,
I live in Louisiana.

No I haven't sent it in writing. Should I mail it or email it?  After I do this if they call what do I do?

What can I do about the loan now?  Western Sky sold it to cash call.  Does cash call have legal rights to collect? Can they garnish wages? Can they sue?  I'm confused as to how to get out of this now!   We never signed a thing giving permission for our loan to be sold to anyone, we thought we were dealing with Western Sky, nothing was mentioned about cash call and cash call started calling the night we got the loan, 2 days ago!

I have already closed our bank account so they can't get in and I will be adding a fraud alert to my husbands credit as his info is out there all over the net now and God knows what will happen with his info now!  We are getting phone calls several times everyday saying he qualified for a $500 payday loan!

Thanks for the help


You cannot sue them for harrassment.  Have you put a request IN WRITING not to call you??  You might want to try that. What state do you live in???

Western Sky is an illegal tribal lender.   Morally you only owe the principal balance, no fees.   They cannot arrest anyone.  Read the link in my signature line for info on how to deal with illegal loans.

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

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