I made a serious mistake and took out several payday loans because of a desperate financial situation. I have paid off most of them and I am working with the others making regular payments.
I have had extreme difficulty with a company called Westbury Ventures. Their tactics do not even give you a chance. I had made arrangements with Charles Carter with their company to make payments of $175.00 on 3/23, $175.00 on 4/6, $150.00 on 4/20 and $100.00 on 5/4.instead, on 4/6 the company attempted to debit my account for $320.00 and $480.00. These were returned NSF because I had only anticipated a part of that to be taken out. This caused a real problem or me because I work at the bank where my checking account is and I could have lost my job.
I spoke with someone at the company again and set up another payment schedule. They were supposed to take out $175.00 on 3/23. They did not. I called them and they said they would go ahead and take it out.instead, they attempted to take out $480.00. I left message after message and no one would return my call. This caused an overdraft but by this time for obvious reasons I had moved my account to another bank. Still it cost me $31.00 in NSF charges. A few days later after many calls I finally reached Mr. Carter again. He said he would get it all straightened out. He again set up payment for $175.00 on 4/5, $175.00 on 4/20, $150.00 on 5/4, and $100 on 5/18. A few days later the company attempted to take $320.00 out of my account costing me another $31.00 in NSF charges. On 4/6 when a $175.00 payment was supposed to have come out, I received a threatening e-mail saying that I had ignored their calls and refused to pay. I had talked to everyone in the company from customer service to accounting to human resources to collections. I talked to Mr. Carter again and he said he would go ahead and take out the $175.00 and continue with the regular schedule that had been made.
The company did not take out the arranged payment, On 5/3 I started receiving e-mails from Chelsea Keitel. Ms. Keitel's agreed to take $300 which I sent her in the form of a Money Gram on 5/4. Her e-mail said (and I still have a copy of it) "If you pay the $300 tomorrow, we will call it quits." Then she sent me another e-mail that said that she needed to let me know that I have another advance to pay off. She said if I paid the $300 on 5/4 that she would knock the other one down to $200. She said I could pay $100 on 6/1 and $100 on 6/15.
Then on May 17 she sends me an e-mail saying that she can bring it to $200 if I pay by the 25th of May. With back and forth e-mails we agreed that I would pay $100 by May 31, $100 by June 1, and $50 on June 15. Then today, the company ran a $320.00 debit to my account. I am so frustrated. How can they continue to lie to people and get away with it. Their name is all over the internet of people that they have done this way. Can't they be shut down or be made to tell people the truth? Now my account is seriously overdrawn and it will likely result in anywhere from $35 to $105 in NSF fees. I am negotiating with the bank to return it but they are not wanting to file an affidavit of dispute because I gave the people my account number. I admit that was stupid. But does that give them a right to lie to me?
The company has used several different names: Westbury Ventures, LST Management, Express Cash, DMS Marketing. They have used two different locations, Wilmington, DE and Henderson NV. The Nevada address was 2756 N. Green Valley Parkway, Suite 89014, Henderson, NV 89014. Gayle Rogers with the Henderson, NV Chamber of Commerce said that the Nevada address is bogus and that no such company is licensed to operate in the State of Nevada. The telephone number is 1-800-323-6555. The Money Gram that I sent went to Receive Code: 4959, LTS Management, Wilmington Delaware. Thank you for anything you can do to help.
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