| Author |
Message |
|
|
 Posted: Tue Aug 28, 2007 3:26 pm Subject: SJM Marketing/Platinum B payday loans
|
|
|
These guys are professional rip off artists. They deduct the fee for the loan out of your bank account every 2 weeks. In my case it was $90 for a $300 loan, every two weeks. I understand that payday loans are VERY expensive, so that is not where my beef lies with this so called "company". This is how they set this up; you have to contact them when you are ready to pay off the loan, but they wont answer the phone, answer voicemail messages, or answer email requests for payoffs or loan documentation. Then because of a personal change I closed my bank account and opened another elsewhere. I made several more attempts to contact Platinum B in order to take care of this $390 that I owe, to no avail. So I figured they would get ahold of me, now that they weren't getting any money AT ALL from me. Oh, they got ahold of me alright. On Aug. 24th at 7am, the collection agency, a group of Indian men in Florida who barely spoke english called me at home and at work threatening to have me arrested, get me fired from my job, and that they were going to sue me in court if I didn't send $850.00 that very day via MoneyGram. It took me a few days to figure out who this was and why they were calling me. Once I did, I called Dustin Dernier at 1-866-722-2770. It took me several tries of calling and getting a voicemail message, hanging up and calling right back before he ACTUALLY picked up the phone. He told me that it was out of his hands and that I was in default. The loan had been sent to collections. He gave the number for the collections BROKER, not the collections dept. The broker had me leave a message with all of my info and they would let me know who the collections dept was that had my account. I still havent heard from them.... However, I got smart and called Dustin and got his email from the voicemail message he has recorded and sent him an email letting him know that the collections dept was doing everything in an illegal manner. I let him know that I filed a complaint with the FTC & the Florida Atty Generals office. I also told him that I had found an atty that would take my case. If he would bring my account back "in house", I would pay the amount that I owed and NO MORE.
Anyway, he agreed to bring the loan back "in house" if I paid the $300, a $90 loan fee, the $90 loan fee that was returned to them by my old bank, and a $30 fee for the returned check. So in total I am paying $510.00.
He asked me if there was another bank account that I would like for them to start debiting fees from and I told him to take a hike. I will never give out bank info to someone like these guys again. If I gave them this info, all they would do was take more than I had authorized, and they would do it every month until I did have to sue them to get it to stop.
I told him that I would pay the $510.00 via money order, through the mail. I have yet to get a mailing address. I see on the site that there are several that have been given out, but I want one straight from him, so that I know they get it. I am going to be sending it certified mail, so that it can be tracked and I get a reciept of delivery when it gets there. I don't trust these people. I will never take out another payday loan as long as I live. What a disaster. So, I wait for the mailing address...
Please, BEWARE of this "company". They are frauds and cheats, not to be trusted!!! You have to stand up for yourself and not let these sleaze bags intimidate you. Don't back down and let them know that you mean business!
|
|
tahiti_sweetie
Joined: 28 Aug 2007
Posts: 12
Debtcc Points: 417
|
|
|
 |
|
Posted: Tue Aug 28, 2007 3:44 pm Subject:
|
|
|
There are many others on the board who have hard experiences with SJM Marketing. I have read a few posts from the VP of SJM Marketing who used to post here. He sounded like a nice guy. Have you got any chance to talk with him and resolve the matter?
Now that you will be paying $510 on the loan account with them, make sure that you have all papers complete. You need to have full documentation in case some dispute arises later. And be sure to get your account updated and a PIF copy sent to your mailing address. Get everything acknowledged in writing before sending the money
Read this thread below. There's a post from the VP
http://www.debtconsolidationcare.com/forums/before-duedate-4.html
|
|
fatb88
Joined: 20 Dec 2006
Posts: 221
Debtcc Points: 1571
|
|
|
|
Posted: Tue Aug 28, 2007 8:38 pm Subject:
|
|
|
Ok...I have dealt with these people. They sent your defaulted loans to united pay services. They are out of Jacksonville FL. DO NOT pay these people. File a complaint with your state also. I got the addy for sjm marketing from the VP himself. So any letters you need to send need to be sent to the west indies. That is where my state had to send their letters.
SJM Marketing
Edith Sollmon Bulding
P.O. Box 636
Charlestown, Nevis
West Indies
But I bet that I-Collect is the "broker" right?
The last I heard from United Pat Services was on Feb $th at 7:33 am. And when I called them back madder than a wet hen I just reemed them a new one. 1. for calling before they were supposed to. He said he was sorry about that, well too bad for them.Because it happened a couple of times before. Plus I told them that if they want me to pay them then they have to send me something in the mail. They asked me for my info and I told them that they have it already and to send it to me or f-off. Well I guess they decided to do the second choice because I haven't heard from them since. Or the AG's told them to back off. So I am not sending them one cent more. Besides, united pay services is under investigation by many people including FL and some other law officials in MANY states and the FBI.
I was told that because this company has my personal information that I have to call Social Security and let them know about possible fraud with my number.And to contact my local police about this company.
|
|
puddlejmpr
Debt Samaritan
Joined: 15 Dec 2006
Posts: 1325
Debtcc Points: 3334
|
|
|
|
Posted: Tue Aug 28, 2007 8:51 pm Subject: reply
|
|
|
Before sending out $510, please listen to puddle.
|
|
cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
|
|
|
|
Posted: Tue Aug 28, 2007 11:41 pm Subject:
|
|
|
These guys must have been busy last week I received a call Friday afternoon threatening to have me arrested at my job. Then called Saturday morning and again at 5 am on Monday. By Monday morning I had filed complaints and had calls back on a couple of the complaints and research things on this site and felt better about knowing I wasn't going to jail. They were horrible. I couldn't understand a thing they were saying and did nothing but yell and tell me I had to pay almost $1000 or go to jail. It was the worst experience ever. Learned my lesson
|
|
momuv3grls67
Joined: 25 Aug 2007
Posts: 21
Debtcc Points: 838
|
|
|
|
Posted: Wed Aug 29, 2007 4:08 am Subject: reply
|
|
|
sorry you had to "live" that, mom. It's horrible. These guys are terrible. Trying to scare people to death just to get money out of them. Horrible. I just hope that everyone who has this experience will, please, report these people to the correct agencies.
|
|
cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
|
|
|
|
Posted: Wed Aug 29, 2007 12:42 pm Subject:
|
|
|
I have filed complaints with the Florida AG office and the FTC, but now I dont know what to do.... should I hire an atty or ignore this? I dont want to get screwed for paying or get screwed for not paying. I sure as heck dont want these a-holes calling me or my job anymore!!!
|
|
tahiti_sweetie
Joined: 28 Aug 2007
Posts: 12
Debtcc Points: 417
|
|
|
|
Posted: Wed Aug 29, 2007 12:45 pm Subject: reply
|
|
|
What do you guys suggest? Filing with the FBI as others have done? Suggestions????
|
|
cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
|
|
|
|
Posted: Wed Aug 29, 2007 12:51 pm Subject:
|
|
|
I really want to find an atty that will take this case. If I can get enough people we could do it.... Shut the Mo-Fo's DOWN! That would take of the problem once and for all!!!
|
|
tahiti_sweetie
Joined: 28 Aug 2007
Posts: 12
Debtcc Points: 417
|
|
|
|
Posted: Wed Aug 29, 2007 12:52 pm Subject: reply
|
|
|
Oh, if it were only that easy. Of course, I'd be jumping on that band wagon!
|
|
cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
|
|
|
|
Posted: Wed Aug 29, 2007 12:56 pm Subject:
|
|
|
Its not that easy? Why not?
|
|
tahiti_sweetie
Joined: 28 Aug 2007
Posts: 12
Debtcc Points: 417
|
|
|
|
Posted: Wed Aug 29, 2007 1:06 pm Subject: reply
|
|
|
To close down all pdl's? That would be wonderful. But to close down all pdl's, store front/internet, it would sure take a lot of work, going through a lot of red tape, and take a lot of time. Of course, that's our goal that one day pdl's won't be allowed at all. However, I don't see it happening any time soon. Unfortunately.
|
|
cannr
Moderator
Joined: 07 Jun 2007
Posts: 9374
Debtcc Points: 124815
|
|
|
|
Posted: Wed Aug 29, 2007 2:31 pm Subject:
|
|
|
I dont want to shut them all down... theres no way I could do that... I am talking about Platinum B.... they should not be loaning money to anyone with the way that they practice. Terrible people. Hey, if people want to sue them, I say we do it!
|
|
tahiti_sweetie
Joined: 28 Aug 2007
Posts: 12
Debtcc Points: 417
|
|
|
|
Posted: Wed Aug 29, 2007 5:34 pm Subject:
|
|
|
So if I want to file a FBI complaint, what address to I put? THe one in the West Indies? And after I file the complaint, so I pay these guys or what? I would really love some valueable input here. What happens if I don't pay them? I bet they make my life miserable by continuing to call my job and home. And if I do pay them, how do I get documentation from them that proves that the debt is all taken care of?
Im pretty torn on this issue right now.
|
|
tahiti_sweetie
Joined: 28 Aug 2007
Posts: 12
Debtcc Points: 417
|
|
|
|
Posted: Wed Aug 29, 2007 8:32 pm Subject:
|
|
|
Don't pay them. Plus they will keep calling your job. They did mine until I informed them that I can get the recording of their calls they madfe to my employer, plus my HR director told them to stop calling or she would contact the police. They then stopped calling my job.
If you file a complaint with the FBI use ALL addys you have. They know them well. But make sure you name united pay service in the complaint also. Because they were the ones calling you so early in the morning.
You won't get into any trouble by not paying these people. I haven't, and it's been months. Good luck getting ANY papers from them. They won't send you any, even if you ask for them.
Make sure you file complaints with your own state also. They can help you with the fight with these people.
Here is some info I got when I talked with the VP of Platinum B.
Platinum B does not make the loans(so they say) they just forward your info to the bank that does make the loans. And that bank would be SJM marketing, and they are the ones located in the west indies. So you didn't default with Platinum B you defaulted with SJM (so confusing  ). But then the part I don't understand is if I wanted to send platinum B papers why would I send them to SJM? Sounds kinda fishy. So in you complaints make sure you mention that info. Because they would be very happy to hear about these off-shore lenders.
Don't be worried. Just keep coming back here to ask questions and we will be here to support you through this with this comany. I have been there with this company so I know how you feel. Plus I would be the first one to go with you on getting these people lol.
|
|
puddlejmpr
Debt Samaritan
Joined: 15 Dec 2006
Posts: 1325
Debtcc Points: 3334
|
|
|
|
Posted: Thu Aug 30, 2007 8:04 am Subject:
|
|
|
So do you think I should tell the girls that work at the front desk of my job to tell these people the same thing that yours told them, so they will stop calling? You are right, this is very confusing. I am not even sure how to report all of this info to the authorities.
|
|
tahiti_sweetie
Joined: 28 Aug 2007
Posts: 12
Debtcc Points: 417
|
|
|
|
