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Posted: Thu Jul 13, 2006 2:53 pm Subject:

Bootchee, make your approach in the legal way. There is a cease and desist condition applied on the collection agencies only. This is according to the federal laws. Read this

http://www.ftc.gov/os/statutes/fdcpa/commentary.htm#805

Once the collector receives your cease and desist letter, they must not contact you over the phone. You can give them the option to contact only by mail for further notifications. Send this request through certified mail for your records. Do you know the name of the original creditor for which they are collecting? If your debt is not sold off, you can make direct arrangements with the original creditor without dealing with the CA. A template of the cease and desist letter is at the link below:

http://www.debtconsolidationcare.com/template-cdletter.html

Posted: Fri Jul 14, 2006 6:16 am Subject:

The original creditor is SJM Marketing. I have tried to contact them and they don't return any phone calls. Everytime I call, all I get is an answering machine. I leave a message but never get a return call. It's very difficult to work with an original creditor when they don't communicate with you. Should I just pay United Federal and assume that the debt is taken care of? I really don't have $820 to just give away and then I don't want to pay that much when my original loan was only $300 with the fee attached I should only owe $390.

Posted: Fri Jul 14, 2006 6:22 am Subject:

PLEASE DO NOT GIVE THESE PEOPLE ANY MONEY. Do not forward any money without seeing something on paper.
I had a hard time getting a hold of SJM as well, but somebody told me when I call the number hit 0 and somebody will answer the phone. When I did that I asked them who my account was given to. They told me to call this place called I-Collect at 1-866-856-1024, but when you call I-Collect you have to know the date your account was sent to them. The lady at I-Collect then told me the Pre-Litigation or United Federal...whoever they call themselves was the ones collecting on my account. I told her I no longer wanted to deal with them, because they were rude and wouldn't give any information and that everything they were doing was illegal. I told her I filed complaints with FTC and Attorney General and that her information was given as well. Please before you send any money, try doing what I mentioned above.

Guest · Posted: Mon Jul 17, 2006 12:27 pm Subject: Loan with SJM

Hi All,

I have a PDL with this company, I called the 877-722-2770 number left a message with dustin. He called me back about 30 minutes later and I told him I wanted to pay off my loan asap. He said they could debit it this friday. SO I owe them 260. It should be taken out this Friday and I will be done with them. I hope. I will post an update to let you guys know. Best of luck to all of you getting yours paid off.

Julie11 · Posted: Mon Jul 17, 2006 12:40 pm Subject: Question

I have a PDL with some company that shows up as VC Funding when they debit my account. I know it is bad but I dont remember who this is. Does anyone else have a loan with them and can tell me which company this is?
Thanks

Posted: Mon Jul 17, 2006 1:13 pm Subject:

Julie, get more information from your bank since they can track the debit done by VC Funding. Their address is

2691 Richter Avenue, Ste 120
Irvine, CA 92606

Call them and ask for the statement of your loan account. You need to review it thoroughly before you make further payments.

et

i am trying to get the phone number for paragon payday loan. I cannot find any information on this place at all. Can anyone help?

Posted: Wed Aug 02, 2006 11:33 am Subject:

et Guest,

I found this in another forum, I hope this is waht you need.

You can contact Paragon Payday at the following address:

PARAGON FINANCIAL SERVICES INC.
580 Hornby St, Suite 360
Vancouver, BC V6C 3B6
(p) 604-685-3264, (f) 604-685-3266

et · Posted: Thu Aug 03, 2006 5:57 am Subject: Paragon Payday loan

I tried this number yesterday. This is actually a financial company not the Paragon Company. Does anyone have a phone number?

hma · Posted: Thu Aug 03, 2006 11:20 am Subject: national plat & exprescash/loans/

does anyone know who these 2 are? I have not had a payday loan since Feb. with SJM Markeing. Now all of a sudden i have National Plat taking 49.50 and exprescash/loans taken 60.00 out of my account. Please help if anyones has any info on these these

Posted: Thu Aug 03, 2006 12:55 pm Subject:

hma, your bank will be able to track down these companies as they have their transaction code. Explain this problem to the supervisor and request his assistance. They might help you in blocking the company from making further debits. Later the companies may call you after not receiving money. Get the statements of this account before you pay them further.

tc · Posted: Wed Aug 16, 2006 5:41 pm Subject: United Federal

keeps calling me saying I owe money on a pdl that I thought was already paid off. I am not sure what to do

Posted: Wed Aug 16, 2006 6:21 pm Subject:

TC, how did you make the payment? Was it through certified check or money order or giving them access to your checking account? See if you can gather some proof showing that the said debt is paid off.

ham · Posted: Thu Aug 17, 2006 11:24 am Subject:

Can anyone tell me who exprescash/loan? This is what comes up on my bank statement? Any info would be appreicated!

Posted: Thu Aug 17, 2006 6:02 pm Subject:

Expresscash is also known as LTS Management Services, LLC. Their contact info is.

110 West 9th St., Suite 100
Kansas City, MO 64105
(816) 471-2829
(800) 757-8373 FAX

Kath · Posted: Fri Aug 18, 2006 3:55 pm Subject: SJM, Platinum B Services or e-payday

SUCCESS AT LAST!!!!!!!!!!!!!!!!!!!!!!!

After calling every number I could find on the internet for SJM, Platinum B Services or e-payday and having NO success, I TRIED 1 MORE TIME!!!!!

This number has always had a phone company msg saying it was disconnected BUT yesterday a guy named DUSTIN answered "Platinum B Services, this is Dustin, how can I help you?"!!!!!!!!!! Well, I about fell off my chair! In a matter of minutes, my account was zeroed out and if I find that not to be true I will definitely post again and let you know.
THE NUMBER IS 1-866-722-2770.

I wish you all good luck. I did not have my paperwork and had been dealing with this since January 2005.

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