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 Posted: Thu Aug 23, 2007 3:42 pm Subject: Need more info on midland marketing
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I need to find out what state Midland marketing works out of. I just received a letter that my account was turned over to Churchill Resolution for collection- they are located in Newark DE. I took out a $300 loan on 5/10 and paid $540. Should I mail this company a letter.
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flyers10
Joined: 28 Jul 2007
Posts: 36
Debtcc Points: 1002
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Posted: Thu Aug 23, 2007 3:56 pm Subject:
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Which state are you in? Do a check on the pdl laws of your state? You need to be sure whether your account is already overpaid.
Did you get anything in writing from the collection company? Under the federal laws, they must validate your account before attempting further collections.
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fatb88
Joined: 20 Dec 2006
Posts: 221
Debtcc Points: 1571
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Posted: Thu Aug 23, 2007 4:05 pm Subject:
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I live in Pa and I do know the laws I just need to know where midland works out of because they are the laws I need to follow
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flyers10
Joined: 28 Jul 2007
Posts: 36
Debtcc Points: 1002
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Posted: Sun Aug 26, 2007 9:06 pm Subject: reply
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flyers, here is what I found on the BBB for Midland Marketing. Don't know if it's what you're looking for, but here it is anyway! 
Midland Marketing
P0 Box 901795
Kansas City, MO 64153
Telephone: (800) 783-4936
Fax: (866) 408-3052
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cannr
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Posted: Sun Aug 26, 2007 9:08 pm Subject: reply
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flyers, I'm trying to help another member who has been turned over to Churchill. Do you have contact information for them? I can't find squat! Any help is appreciated!
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cannr
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Posted: Sun Aug 26, 2007 9:57 pm Subject:
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Canr here is that info:
Churchill Resolution
40 E Main St #320
Newark, DE 19711
1-866-265-8091
Do you know where midland works out of because I need to know how to respond to this letter. I borrowed $300 and paid back $540
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flyers10
Joined: 28 Jul 2007
Posts: 36
Debtcc Points: 1002
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Posted: Mon Aug 27, 2007 4:25 am Subject: flyers
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flyers, this is the address that the BBB had. So, should we assume this is the address of the state you have to comply with? I can google search some more and see if I can find anything else out, if you like. But, that's what the BBB has. So, I would assume Missouri. But, I'll check more for you. And, THANKS, for the information, flyers! I'm sure queen will appreciate it! But, hang on and I'll see if I can find anything else out on Midland. I'm just thinking that if this is thier address, this is the state they would (should) be operating out of? Or licensed out of? Did you even check yet to see if they're licensed?
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cannr
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Posted: Mon Aug 27, 2007 4:27 am Subject: reply
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Midland Marketing is the actual pdl name? Or is this the "parent" company of a d/b/a? Do you know? I'll poke around and see what I can find.
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cannr
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Posted: Mon Aug 27, 2007 5:28 am Subject:
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Canr, Thanks for all the info. When it got debited from my checking account it said 3midland maketing. Can you post the pdl laws for MO. They are the ones that forwarded me to churchill resolutions. Should I call them or send them a letter?
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flyers10
Joined: 28 Jul 2007
Posts: 36
Debtcc Points: 1002
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Posted: Mon Aug 27, 2007 1:23 pm Subject: reply
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flyers, here is the MO pdl laws. And they SUCK! Yuck! But I'll post them (yuck!). And let me see if there's anything under "3midland marketing". I just did "Midland Marketing." Here's the MO law in the meantime:
| Quote: | Missouri State Information
Legal Status: Legal
Citation:
Mo. Stat. Ann. § 408.500 et seq.; Mo. Code Regs. Ann. Tit. 4 § 140-11.010 et seq.
Loan Terms:
Maximum Loan Amount: $500
Loan Term: 14-31 days
Maximum Finance Rate and Fees: Not Specified (No borrower shall be required to pay a total amount of accumulated interest and fees in excess of 75% of the initial loan amount on any single authorized loan for the entire loan term and all authorized renewals. Otherwise, interest is set pursuant to small loan law which provides that parties may set rate by contract.)
Finance Charge for 14-day $100 loan: $75
apr for 14-day $100 loan: 1980%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: Six (borrower must reduce principal amount of loan by 5% or more upon each renewal)
Cooling-off Period:
Repayment Plan:
Collection Limits:
Collection Fees: NSF fee; Collection costs (including court costs and reasonable attorney's fees) Licensee cannot use a series of ACH transactions to collect a single check.
Criminal Action: Prohibited (Unless check returned due to closed account or stop-payment by maker)
Where to Complain, Get Information:
Regulator: Missouri Division of Finance
Address: Consumer Credit Section, P. O. Box 716 301 W. High Street Jefferson City MO 65102
Phone: (573) 751-3242
Fax: (573) 751-9192
Regulatory Contact: Joe Crider,, Supervisor, Consumer Credit
http://www.missouri-finance.org/ |
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cannr
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Posted: Mon Aug 27, 2007 1:36 pm Subject: reply
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I did a google search on this site, since nothing came up for 3midland marketing on the BBB. Here is what I came across:
for 3 midland market, I just called them @ 800.783.4936 and they closed my account with a 2 min call. Good luck with the rest of them.
Okay, I called the phone number. LOL! I can't help myself! The girl REFUSED to give me a mailing address. I asked for a manager, she refused to give me a manager. God love them! I can tell they're going to be a$$holes!
So, I put in the telephone number on the BBB site and the same information came up as I had posted. So, it IS them and they ARE located in Missouri. What a bunch of yahoos! Feel free to call them if you like. Personally, I would send them a letter. They sound like one of those "nice illegal" companies. No, we won't give you an address. No, you can't speak to the manager. Give me a break!
I wish I had better news for you, but at least we know this is them (Midland Companies) and they are in Missouri.
Telephone: 1-800-783-4936
Fax: 1-866-408-3052
Fax them if you want to!
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cannr
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