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I went to the westernsky finanical website (www.westernsky.com) and applied for a loan. At the time I had no idea that this company was affiliated with cashcall. About an hour later, I started receiving calls from numbers in california. So deciding to look up the number, I discovered the number was from cashcall. No! I had already heard bad things about this company and I wasn't going to fall into that trip. Coming here, I decided to be a bit proactive and make sure that they cancel the loan application that they had on file and for them to destroy my information. Can you say phone bouncing?
Well to add insult to injury of what was already going on, every representative I talked to claimed they couldn't see my information and that only the representative that created the loan application could see it. So I was finally pushed over to shawn, my loan rep agent. The first minute of talking to him, he basically made cracks about my credit and that the only reason I was upset because I was one of the people they have to go after for non-payment of their accounts. I laughed at him and he went into his spill about how all the complaints against cashcall was from people like me that had credit problems with their credit that wanted to cheat and stiff them out of their money. So I basically laughed more and told him to put a cancellation on that loan application and that would be the best thing for both of us.
Being that I sent them a voided check, I hope I don't see any charges on my bank statement from them. With all that I have read here on complaintsboard, I would have a hard time getting my money back. For all having trouble with cashcall, good luck.
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Not for nothing but these fast cash places, are getting a lot of people in more trouble then they started out. They lend people money that really don't have a lot, and charge them these high fees. They also require the person’s bank account, so that when they are ready they just go in a debit their accounts.
Sometimes not for the agreed amount or proper date. And when the person thinks they have paid them off they continue t debit their account. Bank overdraft fees, oh my God.
Please watch out people. They will try to take everything.
Ok, I'm not agreeing with the way high risk loan places work but people really should pay attention to what they're getting into. I was in a financial bind, I got a loan from them, yeah I got screwed on the rates but my credit is iffy and there was no other option. Well, except a payday loan and they *** worse. Long story short, I put more money down on the principal than I had to and it helped immensely. Yeah those companies are shifty but you should know that going into it. Do some research and use your brains people!
I am angry with myself for taking this loan in the first place. I don't understand how some have fallen behind on payments though, isn't it required that you have auto-draft payments?
I have gotten a 2nd job to pay off this stupid loan faster. Original loan $2600.00 current balance $2280.00, # of payments to date 18 total $3974.17 and still 24 payments to go. That makes me angry for being so stupid, but I was desperate!
So far I have my checks from 2nd job set aside totalling about $600.00, by Friday I will have $770.00, when I hit $1000.00 I will call in and make a large payment to bring down my balance. I hope to have this paid off by July's end.
This was an expensive lesson to learn, but one that I won't soon forget.
My point-do your research. Don't accept a loan if you can't live with the terms. And make your payments on time!
I have a loan that is due on the first of the month. My wife and I did not have the money in the bank to have the loan taken out this month.
I called 4 or 5 days in advance to defer the payment for July. The guy said that it was done it would not be taken out.
I called our bank to make sure that it had not been taken out on the first, it had not been. Then, on the third I find out that the money was gone and we were pretty much broke.
I called to find out why and they told me that I was denied my referral after I had already been told it would not be taken out.
I am so pissed! And broke! Thanks to them.