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Commonly Asked Questions


What is this settlement about?

Answer:

On September 30, 2015, Westlake Financial Services, LLC and Wilshire Consumer Credit, LLC (the “Companies”) entered into a Consent Order with the Consumer Financial Protection Bureau.

Who is eligible to receive a refund?

Answer:

All Affected Consumers as defined in the Consent Order which includes Modified Account Consumers, Deceptive Phone Call Consumers and Storage Phone Call Consumers.

How was my remediation calculated?

Answer:

Your remediation was calculated in accordance with the Consent Order.

I just received a check and I am not sure what it is related to. Why am I receiving this remediation?

Answer:

You have received this remediation because you are an Affected Consumer as defined in the Consent Order.

Can I cash my check immediately?

Answer:

Yes. Be sure to cash your check immediately and before the void date on the check.

How long will the check be valid?

Answer:

The check is valid for 180 days from the date the check was issued.

My check is expired. Can I request a new check be issued?

Answer:

No. Requests to reissue expired checks will not be processed.

My check is lost or damaged.  Can I request a new check be issued?

Answer:

If you have the damaged check please return it with a letter of explanation requesting a new check.  If you no longer have the check please make sure to state that in your letter of explanation.  Mail your request to:

Westlake/Wilshire Redress Administrator
C/O Rust Consulting, Inc. - 5681
PO Box 2601
Faribault, MN 55021-9601

Please allow 10-12 weeks from our receipt of your request for the check to be reissued.

What do I do if I am currently in Bankruptcy?

Answer:

If you are currently in Bankruptcy, please return the check with a letter of explanation providing your name and address of your Bankruptcy Trustee.  Mail your request to:

Westlake/Wilshire Redress Administrator
C/O Rust Consulting, Inc. - 5681
PO Box 2601
Faribault, MN 55021-9601

What do I do if the check was made out to someone who is deceased?

Answer:

If the check was made out to a deceased borrower, please return the check with a death certificate and documentation that you are the sole beneficiary of the deceased borrower.   This may include a Small Estate Affidavit from the state in which the deceased borrower lived, a copy of a will, or probate registered court documents.  Once the documentation is verified, the record will be updated to your name.   Please provide the documentation to:

Westlake/Wilshire Redress Administrator
C/O Rust Consulting, Inc. - 5681
PO Box 2601
Faribault, MN 55021-9601

Who should I contact if I have other questions?

Answer:

Please call toll-free 1-866-591-7241.

Disclaimer

Although the information on this website is intended to assist you, it does not replace any of the written information available to you and does not modify the terms of the Consent Order.

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