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 Posted: Wed Aug 29, 2007 8:36 am
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You guys are NOT going to believe this! Or maybe you will... I just got a telephone call from some man named Mr. Martez and left the phone number 1-866-504-7548. I called back (feeling frisky). They answered the phone as PDM. I googled the number first, nothing came back. He informed me that he was calling regarding an "outstanding pay day loan" with Web Pay Day. He wanted to give me a "courtesy call" before pursuing further "legal" action on my "outstanding balance" of $120.00. I sweetly replied to Mr. Martez "Ummm. No. I have a copy of a letter from Web Pay Day stating this account is paid in full. I also have their response to the BBB and also their response to my state AG. And, by the way, they REFUNDED me my overpayment for illegal charges. Would you like a copy of this information?" Stutter, stutter, stutter. He said "Uh, yes, I would. I don't understand why they would turn this over to us if that is the case." I told him sweetly "You will have your fax tomorrow." He said he will "get this straighted out". Oh, Mr. Martez, what would I do without you???? You're going to "straighten out" my illegal pay day loan? Oh, my goodness, thank you. Can you believe these jerks? Web Pay Day was the first one to refund me for my overpayment. And to be quite honest, I do have all the documentation; however, I'm not going to go out of my way to dig it all out and fax it to some illegal collection agency regarding an illegal pay day loan. It did throw me though. Them calling me at work. Of course I answered and said I wasn't here! LOL! Then I called back like someone had given me a message. Here we go!!!!!!!!!
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cannr
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Joined: 07 Jun 2007
Posts: 9335
Debtcc Points: 123837
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Posted: Wed Aug 29, 2007 8:39 am
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Nice! These companies are so stupid.
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goudah2424
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Joined: 31 Oct 2006
Posts: 7303
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Posted: Wed Aug 29, 2007 8:43 am
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How stupid!! The sad thing is, that a message like that to someone who doesn't know any better, will scare them into paying these low lifes!
I hope others' see this and see how they do business and not to be scared or intimidated into paying until you check things out!!..KAren
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Bossy4455
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Joined: 27 Feb 2006
Posts: 5131
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Posted: Wed Aug 29, 2007 8:45 am
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Please have Mr. Martez call me. I have some 'stuff" he can straighten out for me. What a nice man!!!!
Anyway, this crap is never ending. They seem to pop up at the oddest times. How i wish they would just vanish. Oh well
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kashzan
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Joined: 11 Jul 2007
Posts: 5466
Debtcc Points: 38903
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Posted: Wed Aug 29, 2007 9:10 am
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Oh, you guys, this was "settled" MONTHS ago! And, I forgot to add, that Mr. Martez didn't even know his fax number. HELLO!!!! So, watch even the ones who mark you PIF or even send you a refund. Apparently they still "send you" to a nice illegal collection agency - or - they "sell" your information to a nice illegal collection agency. Whichever. Doesn't matter to me. I guess this is a never ending cycle. I hate to say that, but even the ones you think you're "done" with come back months later to haunt you! Let alone the ones who never respond, so you have no clue as to what's going on. Let alone the others (MTE, anyone?) who continue to debit CLOSED accounts for 5 months. Lord have mercy......
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cannr
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Joined: 07 Jun 2007
Posts: 9335
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Posted: Wed Aug 29, 2007 1:38 pm
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It is amazing isn't. I bet he felt stupid...we can only hope. He is off bugging someone else I am guite sure.
ladybug
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ladybug
Joined: 29 May 2007
Posts: 2307
Debtcc Points: 22459
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Posted: Wed Aug 29, 2007 4:47 pm
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Oh, I just typed out a "nice" letter to my friend Mr. Martez. It will be on the fax in the morning. For anyone who gets contacted by these idiots, I'm posting the information on who they are. I had to DIG to find any information on them, as they refused to give me information on their company when I asked. (Nice.) Here is who they "turned over" my paid in full/refunded account to:
PDM (aka Debt Mediation/PDI Credit Collection/Professional Debt Mediation, Inc)
PO Box 47144
Jacksonville, Florida 32247 (Duval County)
4161 Carmichael Avenue, #156
Jacksonville, Florida 32207 (Duval County)
Telephones: 904-398-0286/904-596-9175
Fax: 904-398-7748
He gave me:
Telephone: 1-866-504-7548
Fax: 1-816-413-9000
I can only assume this is them. It's the only thing I could find with that name. I did inform him of this also - duh. That they wouldn't give me any company information when I asked. Does the word "illegal" pop above anyone's head here?
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cannr
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Posted: Wed Aug 29, 2007 4:54 pm
Latest Blog Post : Decision |
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How does he expect you to pay for a loan from an unknown company!!! Do these people even think before they open their mouth??? Here you owe xxx...just send me a check...or better yet...let me have your bank info..hey maybe it is a scam....and the money goes to him??? Before you fax all that stuff maybe you should call that company and verify his exsistance...just a thought...
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Morningstarr430
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Posted: Wed Aug 29, 2007 5:04 pm
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In my letter I stated that I am only faxing the email I received from WebPayDay stating the account was marked paid in full and a refund was issued. I stated that I did not feel the need to include any other documentation, as it is not an issue. So he's not getting squat except the email from WebPayDay. I also put on there that I am cc'ing it to the BBB, the DFI, and the AG. I really doubt I'll be hearing from them again. Oh. I probably shouldn't say that! 
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cannr
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Posted: Tue Sep 25, 2007 7:17 am
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I received a call from a Michael Ross from this number. He said that I was being "processed" at 5:00 today. I have no idea who he is collecting for! What do I do?? I'm kinda scared. He gave me a file number and everything!
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Posted: Tue Sep 25, 2007 7:19 am
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Sorry...that was me! I forgot to sign in!
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Bublefan1
Joined: 10 May 2007
Posts: 188
Debtcc Points: 2950
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Posted: Tue Sep 25, 2007 7:53 am
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Gotta love thier website!
Ah! That helped! Here you go:
| Quote: | debt management
Phoenix Debt Management is a collection company specializing in the purchase and collection of delinquent payday loan accounts throughout the United States. Our highly trained associates possess a combined twenty-five years experience in the collection industry and strictly adhere to all Fair Debt Collection Practices Act guidelines. At Phoenix Debt Management, we have a unique appreciation for the difficult situations many of our accounts find themselves in. Our approach is to work with each consumer in a helpful and respectful manner to identify the best possible solution for his or her difficult situation. We strive to be more than just a “collection agency” and work very hard to utilize fair and creative methods of maximizing our collection results. If your payday loan store has an outstanding debt you wish to recover, contact the professionals at Phoenix Debt Management to learn about our first-rate collection services. |
Phoenix Debt Management
PO BOX 11127
Kansas City MO 64119
Toll Free: (866) 504-7548
info(at)phoenixdm.com
Send them the debt validation letter and a cease and desist letter. I would mention that they have already broken the FDCPA when they threatened to have you processed after 5pm.
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goudah2424
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Posted: Tue Sep 25, 2007 9:35 am
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Thanks for the INFO Cannr and Goudah. I received a call at work from a lady who wouldn't give me her name, but she said she was from PDM and they were handling an account for Discount Advance (Credit Protection Depot). I told her not to call me at work and I would send her the same letter that I sent to Credit Protection Depot/Discount Advance (BBB, KDFI and the Ky Attorney General - she got real nasty and I said goodbye and hung up. So now I have an address to send this letter...Thanks so much!
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sbell
Joined: 06 Aug 2007
Posts: 21
Debtcc Points: 80
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Posted: Tue Sep 25, 2007 10:28 am
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Sbell, did she tell you that she was "processing" you based on your SS#?
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Bublefan1
Joined: 10 May 2007
Posts: 188
Debtcc Points: 2950
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Posted: Tue Sep 25, 2007 10:44 am
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This is what I am sending them
| Quote: | Phoenix debt management
PO Box 11127
Kansas City MO 64119
September 25, 2007
Re: Phone Call from Your Agency:
Dear Sir/Madam,
I received a call from a Michael Ross with your company. The message that was left stated that he was “processing” my social security number by 5:00pm today and that I needed to call him immediately. I am not sure who your company is trying to collect for, but I am disputing your actions and your threatening phone messages.
In accordance with the FDCPA, I have the right to request for a validation of my debt. This is asking for proof regarding this and verifying the same.
You must be aware that reporting such inaccurate information will result in defamation of character and it would leave a dark patch on my credit report. You are supposed to stop all collection activities including reporting this information on my credit report. I am sure you are aware of the fact that non-compliance with this request will lead you to legal trouble.
Please attach copies of the following with the reply:
1. The agreement which authorizes the creditor to collect debt on the alleged debt.
2. The signed agreement from the debtor conforming to pay the creditor
3. The documents regarding the payments made on this account validating the amount.
With regards,
CC: Florida Department of Financial Regulation
Florida Attorney General’s Office |
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Bublefan1
Joined: 10 May 2007
Posts: 188
Debtcc Points: 2950
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