On XXXX/XXXX/XXXX I applied for this loan via phone @ ( XXXX ) XXXX with Western Sky in the amount of {$2600.00}. W. Sky charged a {$75.00} processing fee. I faxed ( XXXX ) XXXX all of the required documents to a rep. by the name of XXXX ( XXXX XXXX XXXX on XXXX/XXXX/XXXX. The money was deposited to my account on XXXX/XXXX/XXXX in the amount of {$2500.00}. My payment schedule is as follows : One payment on XXXX/XXXX/XXXX in the amount of {$120.00}. Beginning XXXX/XXXX/XXXX ( 47 ) monthly payments@XXXX. MY APR IS 139.13 %. MY TOTAL PAYMENTS WILL BE {$13000.00} BY THE TIME I AM FININSHED PAYING THIS LOAN OFF ( XXXX/XXXX/XXXX ). Account Info : Account # XXXX Western Sky Financial , LLC, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. I later received a pamphlet in the mail with Delbert Services. I do not remember when I received the pamphlet. I did not know who they were. The pamphlet stated that the loan had been assigned to Delbert Services Corporation. It also contained my account number, and payment details. I went to their website www.DelbertServices.com, put in the required information and low and behold their was my loan info from Western Sky! Their address : Delbert Services Corp., XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX. Then on XXXX/XXXX/XXXX when I checked my bank account statement I saw a withdrawal from XXXX. I had no idea who this was! I then read my email that stated cash call would be making a withdrawal in the amount of {$290.00}. I realized from the amount that this was part of Delbert Services. XXXX has been making withdrawals from my bank account since XXXX/XXXX/XXXX in the amount of {$290.00}. As of XXXX/XXXX/XXXX I will have paid {$7700.00}. I have never been delinquent on this loan. This is the latest email that I have received : XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Loan # XXXX Dear Borrower, This letter is to remind you that your scheduled payment of {$290.00} will be electronically withdrawn on XXXX/XXXX/XXXX XXXX XXXX. Please make sure funds are available for this transaction. Pursuant to your loan documents, a fee of {$29.00} will be charged for any returned payments. If you have any questions, please contact our customer service department at ( XXXX ) XXXX. Sincerely, XXXX , XXXX . 
This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 
