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Posted: Fri Jul 07, 2006 2:59 pm

Does anyone have any contact info for EPayday loans? I got a call today from a collections company threatening legal action for "fraud". I requested a copy of the charges incurred but was told they would send that after I sent payment via Western Union. I would like to contact EPayday and sort this out before I send money to the collection agency.

Posted: Fri Jul 07, 2006 3:09 pm

SJM Marketing EPayday, Platinum B are the same places. They will try to debit your account for each one. That is the reason you the total money adds up so fast.

What is the name of the collection agency collecting for this debt? They must validate the debt in writing before you send them money. Make sure that you have reviewed the account thoroughly and the charges put in it are within the permissible state laws.

Posted: Fri Jul 07, 2006 3:18 pm

United Pay Services is the agency calling, You gave me some tips earlier today and I called them back and requested a statement of charges and that is when I was told I could get that after payment was received. My bank is great, all ACH debits have been stopped and we are meeting with our bank manager Monday to track back and see where all of these loans came from. We have debits from FSM, EPayday, SJM etc and unfortunately we are in Wisconsin where there is no cap on interest. We are attempting to deal with all of the 12 PDL companies to some degree of success but this guy today was ranting and raving and threatening me with jail, it was unnerving but amusing as his supervisor sounded just like him with his voice lowered...

Posted: Fri Jul 07, 2006 4:18 pm

Be assured, no company can send you to jail even if you don't pay the debt. This is not a federal offense. The most that can happen in your case if you don't pay is that a court case will be filed. The judge will ask for payments from you in a planned way. If you are unable to make the payments, possibilities of wage garnishment appear. But since you are willing to pay what you owe, nothing wrong can happen with you. The company asking for payment needs to come with proper account details before they intend actions against you.

jeckert76 · Posted: Fri Jul 07, 2006 9:09 pm

According to the licensed financial services list on the WI Dept of Justice website, United Pay Services is not licensed to do business in the state of WI anyway. Call your attorney generals office for advice on how to handle this. After all, that is what they get paid for.

Posted: Mon Jul 10, 2006 7:47 am

Just got off the phone with United Pay Services. After I stated that they are not licensed in Wisconsin, and since they were unwilling to provide appropriate documentation, I was transferred three times and the last person told me to never call again. I then called the original lender and am awaiting a return call. EPayday is calling the CA and getting my account back and will work with me to make payment arrangements. Thank you to everyone that provided some direction with this matter.

Rocklyn B. · Posted: Wed Jul 26, 2006 12:55 pm

Got a call from a 'lawyer' from Bass and Associates threatening me with 'theft by fraud' because I took out the PDL on my work pc, and since I stopped payment on the ach debit so they would attempt to contact me on a paydown amount, now they say it is a federal offense. They scared me tremendously,so much so that I called my Human Resources dept. and told them about it, because they were threatening to arrest me at work and take me to jail. All I have wanted is to contact EPayday and make a payment and clear up the debt. This 'lawyer' said I had until 4EST today, 7/26/06 or they would persue the case. I am trying to contact EPayday now to work with them and to find out why a lawyer would call and threaten people over the phone, especially at their place of employment. I was relieved to read all the previous replies and to know that I am not the only one dealing with this issue. Yes, I admit, I took out PDL's, but I paid them all back with no hassle. The other companies stayed in contact with me as to how much I could pay. Not with these guys. Thanks for the info.

Posted: Wed Jul 26, 2006 1:58 pm

Stay strong when you are talking with the lawyer. They can use every scary tactics to collect money from you. If they are practicing legitimate collections, these types of threats must never have been used. It is a violation of the FDCPA laws. You can report them to the State AG office as well as file complaints in the BBB and FTC. Did the lawyer send you anything in writing? They must follow the debt validation mentioned in the FDCPA

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809

Guest · Posted: Sat Sep 09, 2006 10:21 am

I sent them money to and never recieved anything they are now calling me stating that I owe them more money and that I am going to go to jail for fraud. I dont know what to do the phone number that I got is 941-375-6859 They stated that they are a collection agency and they are collecting for a payday loan but I think they are computer hackers and are commiting fraud

Posted: Sat Sep 09, 2006 10:44 am

You will not be going to jail.

It would be a good idea to have this debt validated..Also, do you have proof of the payment you sent them?

ttoyden · Posted: Sat Sep 09, 2006 3:44 pm

I got a call yesterday from this attorney stating I was going to be arrested for fraud I was so scared I contacted my attorney had to pay him $250 to send a letter to request information about this laon and the fees I owe unfortunately my attorney was not able to talk with anyone on yesterday but will talk with them on Monday. I never recived a call from EPayday or anything and I don't have a phone number to even call them back. The people from Bass is saying I owe them $820 for a $200 loan

Posted: Sat Sep 09, 2006 4:24 pm

When you said Bass and Associates, it rang a bell. I knew reading few negatives about them. Keep in mind, you will never be arrested for leaving a debt unpaid. However, try to make arrangements with the loan company and work out direct payments with them. They will be pretty easier working with rather than dealing with such collection agency as explained in the posts here.

http://www.debtconsolidationcare.com/creditors-information/about13221- 7.html

ttoyden · Posted: Mon Sep 11, 2006 3:09 pm

Thank u I didn't think I could go 2 jail for something like that but u know they can scar u pretty good

Bestrada · Posted: Tue Sep 12, 2006 10:58 am

I just got a call from them in reguards to a loan I had taken out, they treatened me with jail and suggested that I sent over the amount owed ASAP. I let them know my situation and was was told that I could send 1/2 today and half tomorrow. Thay told me that my call was being recorded...I requested documentation and they told me I can nly get this via fax in the form of an invoice. I really don't have the money.. I called them back and they gave me a number for JD Marketing group they gave me a # in Fl as well and I can almost swear the same guy claiming to br from United pay answered.. please help does any one have the # to JD marketing. Should I send money..

Posted: Tue Sep 12, 2006 12:15 pm

The number of JD Marketing is 866-722-2137. Don't get scared of the jail threats. The companies are using these scare tactics to make money from people. There is no section in the federal law that orders imprisonment for not paying a debt. Your one is not a government debt and this matter is completely to be dealt in the civil court, not a criminal court.

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