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#Michael - Says,

These people are calling me and threatening me over the phone which is illegal. I am going to sue them for illegally drawing money out of my bank account without my authorization.
#anthony - Says,

Hi Michael,

I can understand your concern here. It is very difficult to deal with these frauds. Did you have a debt with them or any other payday loan company?

In order to get back the unauthorized debit, talk to your bank and do a reverse pay.

#Dadummy - Says,

They don't sound like good people to deal with, they have no right talking down to you on the phone or threatening you. You should tell them to hold a minute and then come back and tell them that they are now being recorded, to please identify them selves again, I bet they change their tune then.
Debt collectors often use rude and abrasive ways that are actually illegal, visit the fair debt collection webpage, educate yourself and then give it back to them in a nice calm voice.

#george - Says,

Great one dadummy...

Hey Michael there has been violation of FDCPA.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

check this out...hope this can throw some light.

#MR BLAIR JAMES - Says,

xxxxxxxxxxxxxxxxx-Morningstar
#SUSAN - Says,

DO NOT GIVE THESE SCAM ARTISTS YOUR MONEY. CALL YOUR BANK AND ASK THEM TO NOT RELEASE ANY OF YOUR FUNDS TO THIS COMPANY OR ANY OTHER WITHOUT FIRST GETTING YOUR AUTHORIZATION. I HAVE BEEN GETTING THE SAME EMAILS AND PHONE CALLS AND THEY ARE NOT GETTING A DIME FROM BECAUSE I DO NOT HAVE ANY IDEA WHO THEY ARE AND THEY AREJUST TRYING TO SCARE INNOCENT PEOPLE, SO THEY CAN GET RICH QUICK.
#Laura - Says,

Thanks for warning us Susan. Hope you are doing fine. We would like you to share what you have experienced with Westbury.
#KAT - Says,

Code:
[color=Violet][/color]HOW DO YOU STOP THEM. I HAVE TRY TO CALL THE PHONE NUMBER IT RINGS ONE OR TWO TIES THEN STOPS. I HAVE A LETTER SAYYING I OWE 570.00, MY OWE WAS FOR 250.00. WHAT DO I DO NOW???????????? :?:  :( ANY HELP WOULD BE GREAT!!!!!!!!!

#LisaP - Says,

I had defaulted on a $100 payday loan. I ended up with very large fees at the bank. Then I received a call from Westbury Ventures saying they were going to have me prosecuted for internet fraud.
When he told me to send a money gram (only acceptable payment) for well over a $100 I became uncomfortable.
I decided to file bankruptcy and start over. When he called again I referred him to my attorney. He refused to take the name and number and told me to get a criminal attorney.
I hung on him and he called back and told me I had commited another crime by not transferring him to Human Resources. He had never asked to be transfered.
I believe that I will contact my attorney general's office. People should be told very plainly that if they default on a loan because of unforseen circumstances their loan will be sold to a company that will use threats and harrassment to get paid.

#Laura - Says,

Hi Kat,

Send them a debt validation letter. http://www.creditmagic.org/repair/sampleletter-debtvalidation.html
That is the first thing to do right now. They must provide you with a validation for you to proceed with any further actions.

Hi Lisa,

Payday loans are the worst form of loans that one can take during necessity. They only ruin you and leaves you with no other options than a bankruptcy. Did you make any payment towards the bank? If you have an attorney they are not supposed to contact you directly. Do not send any money. Ask for a debt validation.

#SarahandOscar1116 - Says,

I took out a loan and it was for 200.00 because i was in desperate need of money not knowing any better. i ended up having my car broken into and having fraud on my bank account. i called and informed them of this matter...they didnt care i offered to pay them a portion of the loan via money order and they said no i had to pay it in full mind you the loan was with someone else. they have threatened me and made my account go so extremely negative that i had to end up closing it. I also had paid their ridiculous "finance charge" for well over 3 months which paid was more than the loan itself by about 3 times. i just received a phone call form them stating that they are investigating me for fraud and stealing. What can i do? Please help i cant afford to pay these peopl 500.00 on a 200.00 loan that should have been paid already.
#Very Upset - Says,

I just received a call at Work - from Kirk Converse, he said he thought what they did was wrong but it was not his issue and that he had a job to do, that i either pay them back, mind you they already took $720 from my account and now they still say I owe $420. I had been talking with the actual company and have in an email that it was only $90 in fees. THEY ARE LIARS. I am being threatened with court costs, lawyer fees you name it, I see you are all or were in the same boat. It is inhumane and dishonorable the way these companies take advantage of someone who may be in a situation that was out of their control, car breaks down etc. There has to be some law somewhere that protects the consumer.
#Laura - Says,

You have the FDCPA: Fair Debt Collection Practices Act to protect you. You can check this for more information

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

Hope this helps

#Michael Patanella - Says,

same story for me. woke up this morning to find $390 missing from my checking account. and it was from westbury ventures. i never ever did business with them, so i obviously never gave them any written authorization to take money out of my account on this date. (feb 8, '08 ) my bank had the charges reversed back to them within minutes. unless you gave them written authorization to withdraw from you account on a SPECIFIED date, then they got nothing on you. i called them after that and they told me they are a collection agency and i owe some other company a payday loan balance from 2004. i laughed at them. collection agencies have very very little legal power though they will always pretend they do. i have had companies like westbury say they are issuing a warrant for my arrest at end of business day and the police will have me in custody within 12 hours. yea, years gone by, im still waiting for my arrest lol. federal government states you are NEVER legally required to deal with any collection agency even if you do owe the debt. ALWAYS DEAL WITH THE ORIGINAL COMPANY YOU OWE ONLY. no matter how many times the collection agencies tell you that you cant, the LAW states otherwise. and then tell the collection agency people to get off the crack and heroin and get a respectable job that doesnt involve harassing people. the people that represent the collection agencies probably have WAY MORE personal debt then anybody reading this. anyone wanna talk to me more direct, you are welcome to email me- Eternal865@comcast.net. -Michael in NJ
#PHOENIX KELLEY - Says,

THAT COMPANY IS SCAM IT IS UPFRONT FOR TERRORIST ACTIVITY I JUST GOT CONFIRMATION FROM MY BROTHER IN WASHINGTON DC HE WORKS FOR NSA AGENCY AND THAT COMPANY IN DELWARE IS UNDER MONTIOR AND SOME EMPLOYERS AND EMPLOYEES WERE ALREADY UNDER HOUSE ARRESTED BY FED AGENTS AND IS MAKING MORE SURPRISE ARRESTS IN THE COMING OF DAYS,I ASSURE OF ALL OF YOU THAT COMPANY IS SOON OUT OF BUSSINESS WHEN WE FINALLY CATCH THEM REDHANDED DOING DEAL WITH TERRORISTS, MY BROTHER TOLD ME THAT FEDERAL AGENCIES HAD SUSPECTED ABOUT THAT COMPANY FOR YEARS BECAUSE MANY DIFFERENT ACCOUNTS USED BY THAT COMPANY FROM FOREGINS NOT IN THIS AMERICA AND ALSO THAT PHONE NUMBERS IS REALLY SAME ONE LOCATION, AND ALSO THERE IS NO CERFICIATION OF LEGAL THAT COMPANY IS ALLOWED TO LOAN THE MONEY, THAT MONEY THAT LOANED TO PEOPLE WERE STOLEN FROM OTHER ACCOUNTS, SO DON'T TRY TO DEAL WITH THIS COMPANY BY DOING LOANS ANYMORE, ALL OF FUNDS HAS BEEN SEIZED ALREADY AND THAT COMPANY IS IN HUGE TROUBLE NOW AND THE SEVERAL EMPLOYERS AND EMPLOYEES OF LOANSHOP WESTBURY HAS BEEN UNDER HOUSE ARREST AND THEIR PERSONAL COMPUTERS WERE SEIZED AND THEIR ACCOUNTS WERE ALSO SEIZED AND PASSPORTS ALSO WERE SEIZED TOO.. THERE WILL BE MORE ARRESTS IN COMING OF DAYS. SORRY FOR ALL OF THE TROUBLES CAUSED BY THIS COMPANY OKAY IT SOON TO BE END OF THIS TRAGEDY NIGHTMARE! ANY ONE HAS EXPERINCES OF THIS PROBLEMS PLEASE IMMEDATEILY CONTACT NATIONAL SECURITY AGENCY OR HOMELAND SECURITY OFFICE IN WASHINGTON DC OKAY

PHOENIX KELLEY MIAMI FL

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