Complaint Review: Western Sky / Cash Call / Delbert Services

 I had gotten a loan from Westerm Sky about 3 to 4 years ago. I tried to give the money back the day I received it in March 2011 and the company refused. Then the company sell my account to Cash Call 2 days after I had gotten the loan. Cash Call refused to take the money or give me a settlement or even amount to pay it off. They company refused. In 2013, I had tired to reason with them to pay off loan, but they refused. In turn, I find out in September 1, 2013 that my account was sold to Delbert Services. I had gotten a phone call about it. I didn't receive anything in the mail nor did I receive an email. The letter came on or around September 10, 2013; and the email I just received on October 26, 2013 (one representative claimed I received it in my email in August 2013, but I never did. On October 26, 2013, I had asked for an extension because I needed time (to be honest, I had some emergency situations I had to handle). One representative told me I wasn't paying any of my bills and that it was going towards something illegal. Then another told me to beg for the money, or pawn my stuff, or sell drugs and basically, prostititute to get it. I told them all I asked was to get an extension for November 19, 2013 to make 2 payments because my job doesn't pay me enoungh and I have to pay bills, rent, and medical expenses. The representatives and managers told me to beg people for  a $110 so I could get into the forbearance program, or sell something worthwhile to get the money. I told them that I had about $50 - they said I can panhandle, sell my valuable asset (my body), or another illegal activity to pay them. Each time I call, Delbert Services want me to let them get access to my bank account.

On top of that, the representatives were harassing me about my medical condition and why I had to pay so much to get care and I did I need it. It felt like they were invading my privacy pertaining to HIPPA laws and harassing me to commit an illegal crime, such as prostitition, selling drugs, and panhandling (begging people for money). Another thing is they offered me a settlement, or a pay off of about $2800 (I have been paying $200 each month on this loan since 2011 - they said it didn't count because of the high interest of 130 to 150% - depending on how they felt each week).