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Las Vegas, NV - In an enforcement action brought against Western Sky Financial, LLC, the Nevada Financial Institutions Division has issued a Consent Order permanently barring the internet lender from originating loans in Nevada.

The Division also found that loans made without a Nevada license were unenforceable and fined the company $50,000 in administrative penalties.

An investigation by the Financial Institutions Division was launched after an annual examination of licensee CashCall, Inc. revealed that some loans serviced by CashCall were originated by Western Sky Financial, LLC.

The investigation found that Western Sky Financial, LLC solicited and made loans to Nevada residents without a license.

On June 28, 2013, the Division issued a Cease and Desist Order against Western Sky Financial, LLC prohibiting the company from conducting the business of lending without a license pursuant to NRS Chapters 675 and 604A.

As result of an administrative hearing requested by Western Sky Financial in response to the order to cease unlicensed activity, the parties agreed to a Consent Order approved by the hearing officer which requires that:

• The Cease and Desist Order shall be permanent and remain in full force and effect.
• The assessed $50,000 administrative fine is due within 30 days of the approved Consent Order.
• Loans made to Nevada residents by Western Sky Financial, LLC cannot be enforced, validated, or collected through any equitable or legal causes of action in a Nevada or federal court.
The full text of the Consent Order is posted on the Financial Institutions Division website- http://fid.state.nv.us/New_EnforcementActions.htm.

“FID advises consumers to only conduct business with entities that are properly licensed, “said Commissioner George Burns. “The Division will remain vigilant in ensuring that consumers are protected from unlicensed lenders.”

Borrowers can verify the licensing status of a company by checking the Division’s website at www.fid.state.nv.us or by calling (702) 486-4120.

Don't forget Walter Ledda. He opened Ditech with and is still a partner of J. Paul Reddam in many illegal businesses. Ledda re-opened under the name of Morgan Drexen, Reddam under Cash Call/Western Sky/Delbert Services, but they are still business partners.Now they have moved into buying auto warranties and mortgages/loan modifications.(being headed up by Sean Roberts who is banned and forbidden to have anything to do with mortgages, resulting from his illegal practices (google him too) Reddam is the loan shark, Ledda entices unknowing people into his debt settlement scheme so they both continue to take money from consumers even after the Feds have shut down Cash Call/WS/Delbet. Morgan Drexen is next..In fact MD still takes settlement installments from Cash Call customers even though there are Cease and Desist orders in at least 10 states. MD just makes the payments out to Reddam personally , while the customer is still being charged up to 100% interest on the loan, compounded daily. The CFPB  for one, has lawsuits going on all of them..I worked there until recently "laid off" due to asking too many questions and being too verbal about the illegal operations.. including, but not limited to..Accounting fraud, FTC, FCC violations, misappropriation of client's trust fund monies,here is the best one yet, charging clients a monthly flat fee, when the client is deceased and the death record is on file..the list is ad infinite-um...

Good for you! I've paid them almost $20,000 for a $5,000 loan. I feel that I've paid them back and then some! Enough!

Cash Call is being sued by the Attorney Generals of MANY states. One reason being that they are ignoring states' usury laws. Write to the Attorney Generals in your states, and explain the situation.

how do you get ahold of these people.  can you pay them off sooner then they want oyu to?  I can not seem to get a person on the phone.  I am going to stop payment on them and get them to call me I hope.  I want to pay them off  now.

I got a 2500 dollar loan 2 yrs ago and have paid 300 a month since and each year only 33.00 is applied to my principle. i have to date paid 7600.00 this is a stupid idea and i suggest no one do business with these guys or western sky or cash call

I got a 2500 dollar loan 2 yrs ago and have paid 300 a month since and each year only 33.00 is applied to my principle. i have to date paid 7600.00 this is a stupid idea and i suggest no one do business with these guys or western sky or cash call

EVERYONE IN FLORIDA who has a loan with Western Sky/Cashcall/Delbert. Please file a complaint with Attorney General Pam Bondi's Office. The more people who do this can help shut down these Predatory lenders. I did this by email. I did take off the name and address of the person I mailed all my paperwork to. I'm sure the same person will not be handling every complaint.They do get back to you pretty quick. Here is the email I recieved:

Attorney General Pam Bondi’s Office is in receipt of your correspondence regarding Western Sky Financial/CashCall/Delbert Services. Thank you for making us aware of this matter.
We use complaints such as yours to identify patterns of questionable business activity. These patterns may indicate the need for formal investigation or action by our office to protect the broad public interest.
On December 23, 2013, Attorney General Pam Bondi and Office of Financial Regulation Commissioner Drew Breakspear filed suit against online consumer finance companies Western Sky Financial, CashCall, related companies and their owner John Paul Reddam. The suit alleges that the companies charged interest rates that far exceed what is allowed under Florida Law.

In order to assist our office in this ongoing matter, we kindly request that you provide any available copies of the below documents to us:
1. Your Western Sky Consumer Loan Agreement;
2. Notice of Assignment, Sale or Transfer of Servicing Rights letter from Cash Call;

3. Account Balance/Account Statements/Payment History/Loan Transaction History (if any)

4. Other correspondence/communication from Western Sky Financial, Cash Call, or Delbert Services; and

5. If available, a redacted copy of your credit report reflecting any adverse activity resulting from non-payment of a Western Sky loan (please omit anything not related to Western Sky, CashCall or Delbert Services).

To contact this office please visit the Attorney General's website at www.myfloridalegal.com and complete the on-line contact form. Again, thank you for contacting the Office of the Florida Attorney General.
________________________________________________________________________
My email to the Attorney General
Western Sky/Cashcall & Delbert Services
Listed in comments for all three companies

Subject: Predatory Lending and Usury violation

I was approved at Western Sky for small personal loan on Dec 12,2012 for
2600.00. Before I made the first payment I received information Cashcall was
recently assigned my loan. At that point Cashcall began to withdrawal money
from my checking account. Starting on 01/01/2013 $185.25 the next 7 payments
that were withdrawal 292.50 totaling 2234.75 with only 19.35 going to the
principle. The interest rate on the loan 139.13% Then on Sept.03, 2013 the
state of New York Attorney General sued Western Sky, Cashcall and Martin Webb.
They violated a state imposed cap on interest rates change to consumers. Loans
sold illegally outside of the tribal boundories. I begin to check into my loan
with them to see if it was even legal. After reading many blogs one stood out
to me saying You should look at all e-mails from Western Sky. Subject was
always about the Western Sky loan but sure enough the person sending me the
emails was from Cashcall. After the news broke that Western Sky was being sued
I went to sign on to the Cashcall web site to view my account and it said
account doesn't exist @Cashcall. I then received a email from Delbert Services
on 08/21/2013 saying that my loan was transfer to them and I need to sign new
paper work. As of this time I have not signed anything from Delbert or allow
them to withdraw money. I went on the Florida Office of Financial Regulation to
see it they have a license in Florida. I could not find one for Western Sky.
Delbert and Cashcall did have a license but it appears that the address have
been the same at one point for time. I believe Western Sky is actually a front
company for Cashcall. You think you're dealing with Western Sky on an Indian
Reservation, but reality is the entire process from orgination to underwriting
to servicing is handle by Cashcall.(None of the activity happens on the
reservation,it all happens in California.) Cashcall used Western Sky as a
facade to fraudulently give the loans the appearance to consumers that they are
subject to tribal law not state law and therefore not subject to state interest
rate caps and other consumers protections. Here are the following address for
each company
Western Sky ( Fl License -?)
P.O. Box 370
Timber Lake, SD 57656

Cashcall (Fl. License #CF0900346 Approved)
expiration date 12/31/2014
1600 S.Douglas Road
Anaheim,Ca
7125 Pollock Drive (Fl License Withdrawn)
Las Vegas, Nv
1600 S Douglas Road (Fl License Withdrawn)
Anaheim, Ca

Debert Services (Fl License Withdrawn)
1600 S. Douglas Road
Anaheim, Ca
7125 Pollock Drive (Fl License CCA0900949 Approved)
expiration date 12/31/2013
Las Vegas, Nv

I hope that the state of Florida will take action against all three companies
like New York has. I will be informing Delbert Services that I have contact
your office.

I'' am getting called by Delbert service saying on by letter and showing 888-983-3523----919-883-4465 five times

does anyone know if texas is one of the state's that has banned these entities or where I can find out....thank you

same thing happen to me and i know ive over paid them and cant get a sright answer! they are bullys

This Business is not BBB Accredited
Delbert Services Corporation
1600 S Douglass Rd
Anaheim, CA 92806

PO Box 4730
Anaheim, CA 92803

7125 Pollock Dr.
Las Vegas, NV 89119

Contact Information
Principal: Ms. Gina Moreno (Customer Service Supervisor)
Ms. Jean Kohles (Customer Sevice Manager-Delbert Corp.)
Mr. J. Paul Reddam (President)

Phone: (702) 318-5834
Fax: (702) 318-5712
www.delbertservices.com

! There is an alert for this business !

On 03/25/2014 this company's accreditation in BBB was revoked by BBB's Board of Directors due to recent government action involving the business's customer relations which indicates a significant failure of the business to meet standards of conduct expected of a BBB member.

delbert is the crook!!!

she needs to send a cease and desist letter to them immediately and all of that will stop immediately. Do a search on google for cease and desist and fax it now. when they call, ask for their fax number and tell them she dont do business on the phone but get the fax number. you can google the fax too.

she needs to send a cease and desist letter to them immediately and all of that will stop immediately. Do a search on google for cease and desist and fax it now. when they call, ask for their fax number and tell them she dont do business on the phone but get the fax number. you can google the fax too.

What do you do when you know that you have paid them over the amount and they still say we owe them as well as getting threatening calls and mail we paid them 500 to get a 1000.00 loan and its been a year in a half so what do you do then at 200.00 amnth and for you that says good citizens and pay your bills. You definitely must work for them and were is the government in this and does anyone know what is going on now.

I aint' paying a dam thing.  Delbert can go hit in one hand and want in the other.  I borrowed 1000., they took 500 and sent me 1,000.  Then I paid them 3400.00 for a 1,000 loan and when I asked my balanced they said 2800.00 They will never get another penny from me.  Yep I've paid this bill 3400 for 1000, not to mention the 500 they took up front.  I have paid them. They get no more, they can call me to the end of time. I want pay no more.

They are thieves.  I'm not a criminal or a thief, I paid more than double for what I borrowed and I draw the line there.  They should not have gave it to me.  Your the thief and the pondscum cheating hardworking people who are down on their luck.

I paid them 4000.00 for a $500 loan. I will pay no more.  They can't do anything to me, I'm in Texas and they cannot garnish my wages or call my place of employment.  They can call me cause I'll just waste their time and play with them. I feel I've paid enough and they can't do anything to me.

That's a lie, they are not a lot cheaper.  J

They can't take anything I own, I live in Texas, they cannot garnish my wages either.  After 4 years they can't even sue me.
Now I didn't duck my loan.  I borrowed 500.00 and they took 75.00 then I paid them 2400 for 525 and I refuse to pay anymore.  I don't care what you call me, that's just enough.  Move to Texas, they can't touch your wages, all they can do is get a judgment and the judgment will be that you pay them what you can.  I would give them 25 cents a month.