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888-622-0222 - Anyone dealt with PDM?

Date: Mon, 12/10/2007 - 08:35

Submitted by anonymous
on Mon, 12/10/2007 - 08:35

Posts: 202330 Credits: [Donate]

Total Replies: 60


I just received a phone call from a Tina Watkins from Phoenix debt management. She was rude and ignorant. She threatened to verify my employment and attach my wages. I told her to verify the debt and she said she already sent me the necessary paperwork. I told her she didnt and she said she wanted to speak to my supervisor. I hung up on her. Two seconds later, I get a call from Bonnie Bulmer from PDM and she was very nice to me. She said that if I come up with $850(the original amount borrowed) for 3 IPDL's that I owe money to she will get me a PIF letter and have the fees of $450 waived. I told her that I dont have $850 nor do I have a checking/savings account. She asked me if I had family I could borrow from, I told her I can try. And then she told me to get a prepaid visa card to make my payment to her. She told me to call her back Friday with the card information.

My question here is, I do in fact owe them the money minus the fees I paid. But I know it doesnt equal $850. If they are not willing to validate the debt then what am I supposed to do? She threatened that they would call my employer, assign my wages, get a judgement against me with the state of Ohio, etc..etc.. I dont want my job to find out. :cry:


Quote:

She said that if I come up with $850(the original amount borrowed) for 3 IPDL's that I owe money to she will get me a PIF letter and have the fees of $450 waived.


Which PDL's are they trying to collect for? I am in the process of pulling up some info on PDM right now.

I can tell you that if they claim to be a collection agency, they have just violated the fdcpa by calling you again....they are allowed 1 contact per day where the call originated on their end.


lrhall41

Submitted by volleyballmom on Mon, 12/10/2007 - 08:43

( Posts: 4143 | Credits: )


Well honey, dont pay back one cent more than you owe. And if you can not pay it all back at one time., dont. Do not borrow to pay these back. They are illegal. They can not garnish your salary. You need a court order for that. They are illegal they can not get a court order. You did revoke all wage assignments correct?


lrhall41

Submitted by kashzan on Mon, 12/10/2007 - 08:45

( Posts: 5401 | Credits: )


They are a collection agency....I found this info that goudah posted on another thread:


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

Get them a debt validation letter out today!!

Do you need one? I have one I can send you.


lrhall41

Submitted by volleyballmom on Mon, 12/10/2007 - 08:48

( Posts: 4143 | Credits: )


Well the PDL's that they are trying to collect for are: CMG, TJF, and Arrowhead. Ms. Bonnie told me that she has a claim for $480 but the original amount is $300 for Arrowhead, CMG claims $400 but the original amount is $250, and TJF claims $420 when the original amount is $300. I do not owe the whole original amount.

I just got an email from Human Resources that said: "Heads up, I just got a call from Tina from PDM to verify your employment. She said for you to call her back at 888-622-0222"


lrhall41

Submitted by on Mon, 12/10/2007 - 08:54

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Quote:

work very hard to utilize fair and creative methods of maximizing our collection results


Interesting choice of words....Aminah, do as Volley says. If you can get one done today, I would fax it and on the fax cover sheet advise them that you will be sending it certified return rerceipt. And be sure you do, it saved me.

Volley, thanks for the information, I did not know about the one phone call and I have one that calls several times a day. can they keep calling if they only get voicemail?


lrhall41

Submitted by RoxyNY on Mon, 12/10/2007 - 08:55

( Posts: 4178 | Credits: )


here you go-

YOUR NAME AND ADDRESS

ADDRESS TO THE CA

DATE

Re: ACCT#

To whom it may concern:


This letter is being sent to you in response to a notice sent to me dated Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is not a request for "verification" or proof of my mailing address, but a request for Validation of Debt made pursuant to the above Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

1. What the money you say I owe is for
2. Explain and show me how you calculated what you say I owe
3. Provide me with copies of any papers that show I agreed to pay what you say I owe
4. Provide a verification or copy of any judgment if applicable
5. Identify the original creditor
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit Bureaus (Equifax, Experion or TransUnion) this action might constitute fraud under both federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following:

1. Violation of the Fair Credit Reporting Act-reporting inaccurate information
2. Violation of the Fair Debt Collection Practices Act-continuing collection activity on a debt which has not been validated

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing of any information to credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE: I would also like to request, in writing, no further contact, either in writing or telephone be made by your office to my home or to my place of employment, unless it is to provide validation or release of liability of the debt.


Thank you,




lrhall41

Submitted by volleyballmom on Mon, 12/10/2007 - 08:59

( Posts: 4143 | Credits: )


No, I was asking if you have enough to send the letter out, i costs about 5 bucks to send it certified, I am going to the post office today to send something to another "agency" so i will send it for you if you need some help with that, my old job lets me send mail still, pm me if you want me to send it for you


lrhall41

Submitted by jaydanielle1 on Mon, 12/10/2007 - 09:07

( Posts: 551 | Credits: )


Aminah, Go ahead and get that letter typed up and out...Once they receive the letter their collections efforts must cease according to fdcpa and they have to validate your debt. That is why I said to fax it if you can. Do not be suprised of you do not hear from them for quite awhile....


lrhall41

Submitted by RoxyNY on Mon, 12/10/2007 - 09:07

( Posts: 4178 | Credits: )


Thank you so much Jay for the offer. LOL. Im sorry I thought you were talking about the $850 they claim I owe. Yes I have the money to send it certified. That was nice of you to offer. I am going to type up the letter right now and go to the post office to mail it.


lrhall41

Submitted by on Mon, 12/10/2007 - 09:11

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They are jerks....dont let them scare you.
OK, heres what I also did after I sent my letters.

I have caller id on my desk phone and I can easily google numbers such as 800,866 etc to see who is calling. Every pdl that called after I put them on cease and desist got an email from me everytime they called. I kept forwarding the same email string and I noted "This email is a log of all of your calls after I had served you with a cease and desist notice on DATE.This log willbe forwarded to the FTC and my AG" Also attach a soft copy of the letter you sent them. A few times of that and they stop calling.


lrhall41

Submitted by volleyballmom on Tue, 12/11/2007 - 05:47

( Posts: 4143 | Credits: )


Here is a copy of the email I received over the weekend from UCL who I OVERPAID!

Quote:

Dear XXXXXXXXXXXXXXXX:
Avoid talking with a collector, settle your account today using our secure private website. Log on now, your account will be blocked from online settlement in just a FEW days.
TIME IS RUNNING OUT TO SETTLE YOUR ACCOUNT USING THE PRIVACY OF OUR SECURE WEBSITE
We are contacting you about an overdue account with us, United Cash Loans account #*******. According to our records, your outstanding balance is $385.00. (If you have recently resolved this account over the phone, please disregard this message.)
We value you as a customer, and want to work with you on settling this account. We are offering you:
A private and totally secure website for making an offer on this account for less than you owe.
The convenience of making your payment(s) online.
The pleasure of clearing your account without ever talking to a collector.
Flexibility to schedule a payment today and not pay anything for up to 14 days.
It is quick and easy:
Just click on this link to log on to the website finalcollections.unitedcashloans.com.
Enter your account number and last 4 digits of your social security number.
Through a few simple steps you can verify your account information, and tell us what and when you can pay to settle this account.
When your offer is accepted, and you make the required payment(s) YOU WILL OWE NOTHING MORE ON THIS ACCOUNT.
Please log on now to finalcollections.unitedcashloans.com.
We know you want to honor your obligations. Take advantage of our online settlement tool today. Should you have any questions concerning this account please feel free to contact us TOLL FREE at 1-800-701-7565.
Thanks for being our customer,
Collections Department United Cash Loans
FinalCollections(at)unitedcashloans.com

What now? This is the second email I have received. I already sent them another copy of the original letter I sent back in October.

HELP!


lrhall41

Submitted by on Mon, 12/24/2007 - 06:14

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I see that a lot of people are having problems with PDM as I have. All they are doing are threatening you. According to them, they sent papers by fax to my employer to garnish my wages because of a wage assignment for a IPDL. They have to be signed in person and witnessed to be legal and it was over the internet. They blow hot air to scare those who don't know any better into paying. If you can pay them and you rightfully owe them, then make arrg to pay them in a way you can afford that won't put a strain on your financial budget, but don't give them any checking acct or debit card info because they will process the pmt when they want for what they want and when they get your money that is a problem. These people are the lowest of them all, I talked to several people from PDM and some where saying tina Watkins was fired and she didn't talk to me even thought I know she did or that is a universal alias that they use. Don't get worried or worked up over them at all. Gotta go


lrhall41

Submitted by on Sun, 10/12/2008 - 14:54

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good info fendi.it is still a good idea to get a wage assignment revocation letter to your HR person,then the illegal pdl.some HR people honor this flimsy wage assignment like it was a court ordered garnishment.


lrhall41

Submitted by paulmergel on Sun, 10/12/2008 - 15:21

( Posts: 15514 | Credits: )