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 Posted: Wed Dec 05, 2007 7:24 am Subject: Call from Kathleen Kerr
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I received a call yesterday from Kathleen Kerr of the States Predisposition Services office. Platinum B Services wants to bring a civil suit against me for defaulting on my loan. I borrowed $200 from them back on 10/28/05 and over the next 10 months paid them a total of about $1500. According to the lady I spoke w/ it doesn't matter. Anyway, I settled out of court for $430.00 and am paying half today and the other half in two weeks.
I received a call from the same number, but a different person, Hilary Romano. I haven't called her back yet. I'm afraid to. I can't afford to settle another defaulted payday loan account now since I'm trying to pay the Platinum B one. Yes, I'm afraid to not call her back if I'm going to be sued.
What should I do?
Thanks,
L
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Guest
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Posted: Wed Dec 05, 2007 7:28 am Subject:
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Guest, before you do anything, please list what state you are in , who you borrowed from, how much you borrowed from each and the total of how much you have paid to each. By settle out of court, did you settle with the collection agency? Also, could you list the phone number they are calling you from.
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RoxyNY
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Posted: Wed Dec 05, 2007 7:39 am Subject:
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Guest, if this is a collection agency collecting for platinum b services, you need to be sure that they are not scamming you before you pay them. You do have a legal right to request they validate this debt in writing to ensure they are truly who they say they are and to ensure they are in fact collecting on a legal debt. I would send them a letter requesting debt validation before I paid them any $$. Please post the information I asked for so we can help you with this.
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RoxyNY
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Posted: Wed Dec 05, 2007 5:58 pm Subject: r
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If I'm not mistaken (and correct me if I am wrong), Platinum B is not even licensed/legal, correct? And for a $200.00 loan, you had paid a total of $1,500.00? Then you settled with them for another $430.00? So, in all actuality, you will have paid them $ 1,930.00 for a $200.00 loan? If I am correct in the fact that Platinum B is not licensed/legal, they certainly would not "take you to court". Please let us know where you reside and exactly what the situation is. You're already going to send them 1/2 today and the other 1/2 in 2 weeks. I hate to see you send in more money after paying $1,500 for a $200 loan.
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cannr
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Posted: Wed Dec 05, 2007 6:00 pm Subject:
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Thank you Cannr, It upsets me so to see people "scared" into paying...especially since this person has paid so much. There is so much we can do to help...I just hope they did not make that first payment...that is soo much money, especially at this time of year.
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RoxyNY
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Posted: Wed Dec 05, 2007 6:04 pm Subject: r
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This is the perfect candidate for sending the pdl letter (or a debt validation letter if they are dealing with a collection agency), and filing complaints with the BBB, the FTC, and their state AG. That amount of money is complete robbery. And, am I correct? I do so believe that Platinum B is part of SSM/SMJ or whatever they call themselves today - which would not be licensed/legal? The amount of pay back alone ($1,930.00 for a $200.00 loan) tells me these people are not licensed......
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cannr
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Posted: Wed Dec 05, 2007 6:17 pm Subject:
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I am with you. My heart sank today when I read the intital post. It is robbery and as you said..this person should file compalints with all the agencies.
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RoxyNY
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Posted: Wed Dec 05, 2007 7:51 pm Subject:
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States Predisposition Services is indeed a collection agency..they need to validate this debt
Guest-Have you been served with court papers? And its from 2005? Junk debt buyers! You're not paying by check are you?
As advised above, please come back with more info!!
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volleyballmom
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Posted: Sat Dec 22, 2007 9:30 am Subject: state predisposition services
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I have been receiving calls from a Hilary O'Oneil. she has threaten to file suit against me for stolen money on a pdl that i took out for 200.00 in july of 2006. i live in NC does anyone have any advice for me
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mclauriny
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Posted: Sat Dec 22, 2007 11:21 am Subject:
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States Predisposition . . . Bass Prelitigation . . . hmmm, are Frank and Evelyn changing the name of their shady collection agency again?
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cajunbulldog
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Posted: Sat Dec 22, 2007 12:07 pm Subject:
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I wouldn't pay them another dime until they can prove that you owe them that money and don't let them bully you around. Take everyone's advice on here..these places really  make me mad!
ladybug
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ladybug
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Posted: Thu Dec 27, 2007 3:47 pm Subject:
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so what should i do. these people are calling my job on a daily basis
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Posted: Thu Dec 27, 2007 4:01 pm Subject:
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sorry i forgot to sign in. please excuse me for asking such a stupid ? but where do i go from here?
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mclauriny
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Posted: Thu Dec 27, 2007 4:19 pm Subject:
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This "collection agency", if you can call them that, is close to being shut down by Florida's AG.
Do not pay them a dime. They have probably threatened you. They are the ones breaking the law. You need to file complaints against them immediatly.
Also, if they don't stop calling, file a police report for harrassment.
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goudah2424
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Posted: Thu Dec 27, 2007 4:28 pm Subject:
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who or where would i file the complaint and how can i stop them from calling me on my job?
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mclauriny
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