ARM of Florida - Help

Sorry that was me!

i would file complaints with your AG,BBB,and the FTC.you are
correct they are not licensed period.i also would send them a
limited cease and desist letter informing them not to phone you
at work.send it certified mail return receipt.they can't and won't
take you to court,or have you put in jail.debts are civil matters
not criminal ones.

So this collection agency is not licensed as well?

Not sure if this will help at all but try these addresses for both of these organizations.

Graham, Darlene 9000 Regency Square Blvd
Ground FL
Jacksonville, FL 32211
US
904-726-8505x201
Fax:904-493-4654

"darlene dot graham at armfl dot com"


Financial Services
ATTN: PAYCHECKTODAY.COM
P.O. Box 447
Herndon, VA 20172-0447

Phone: 570-708-8780

Keep us posted on your progress.

nope,they are not.with the advent of so many illegal online pdl's popping up.a bunch of unlicensed and illegal CA'S have also popped up.this is one of those.

paul. . thanks for that tidbit of info. Under those circumstances I would suggest that mjj send any communication to the admin contact at armfl at the above address, as well as the one for PayCheckToday. This actually is pretty scary. I have said before that with all the heat these guys are getting I am afraid that they wlll take on a "different" identity to get this money one way or another. I guess their philosophy is if they can't get you one way, they will try to get you another. They are like a bad virus that keeps mutating to destroy lives.

You should stand your ground, you also need to send them an official validation letter through USPS, or even email if you must, some way so you will have a record of the request. The next time you speak with this CA over the phone, tell them by Federal law they MUST now send you a dunning letter within 5 days after the initial contact or they are in violation of the fdcpa, in which you may file a counter suit, and sue them for up to $1000.00, plus Attorney fees. :)

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You can file a suit against ARM for violation of the fdcpa for saying you can go to jail and for refusing to send a dunning letter upon request. One in one thousand people actually follow up with a suit and the CAs know this. When they do get sued it is cheaper to settle out of court. They consider it the cost of doing business, There are attorneys that will handle these cases on a contingency basis with no out of pocket cost to you! The debt and the collector will disappear the moment they know you are represented.

But unless the OP got that on tape, it didn't happen.

THanks guys and gals! They really had me scared because they sounded legit! Their website seemed to be fair. But I will follow through with all your instructions and keep you informed.

On another note I am also dealing with PayDay Loan Yes and I called them from my work acting as another employee and told them I didn't work there anymore and they need to cease calling. They did this even after I told them to stop. THey were very polite and apologetic and removed my work number!

I was receiving calls from ARM of FL as well, I sent them the validation letter and all they sent back was a bill and a copy of the contract with some information highlighted. I reported them to the banking commision in CT because they weren't licensed to collect and they took over for me...I haven't heard from them since (knock on wood) hopefully they are gone for a while...

Dawn how long ago was that?

About 2 to 3 weeks ago...

sorry, that was me

mjj, i doubt you spoke with an attorney... here are few things you need to know. In washington state, internet pdl's must be licensed. if they are not (Paycheck today is not) Washington State Law explicitly states that the loans are unenforceable and uncollectable. Period. Further, ARM Florida is not licensed in washington state to collect. they can't touch you. also, there is no way you could go to jail. I would file a compliant with the washington state department of financial institutions ( www.dfi.wa.gov) Since the clowns at arm threatened jail, they not only violated fdcpa but washington state law as well. you can file a complaint against them with the washington state department of licensing. Any questions, just ask.

Well my only question is how do I get rid of the thieves! This is some leg work but I have the right tools thanks to you guys. We have a prepaid legal service through our work that I give money to every check. They said that no they can not criminally come afterme and if they continue they will help with letters. I am so mad I got myself in this trap!

if you can (and haven't already, open a new checking account, close the one they know about and just let it ride.

hmm another thought about ARM, perhaps your prepaid legal can put you in touch with a florida attorney, adn you could file suit in florida (federally) for fdcpa violations.

I will inquire on that tomorrow. I learned well from this site and closed that bank account a long time ago! Thanks for your help! I will keep everyone informed. But as usual any advice here is good advice so feel free to share.

You guys are not going to believe this! So I took all of your advice and devised a letter and sent it by email yesterday to the president of ARM Florida and this is the reply I recieved this morning. Score one for the little guy! I haven't sent the letter by registered mail yet. Should I still do that?

Dear Ms. Johnson,

I am in receipt of your email complaint regarding your account with Paycheck Today. Your account has been closed with our office as paid in full. Any and all checks that you had with our office were pulled and destroyed.

Again, your account has been closed as Paid in Full, no further payment from you will be necessary. No further contact will be made to you in any fashion regarding this debt.

Sincerely,

Darlene Graham
President/CEO
Account Receivable Management of Florida
Phone: 904-726-8505 ext 201
Fax: 904-493-4654
[email]darlene.graham@armfl.com[/email]

way to go. and eys send the hard copy

mjj. . I am curious to know, did you ever send an email to the address that was posted to Darlene Graham? She was listed as the administrative contact.

Good for you mjj0613! Make sure you keep that paid in full letter in case they change their mind and try to collect again! Yay for you! :D

llw,

Yes I did send to Darlene Graham. I also sent a copy to Paycheck Today. Yippee!

Congrats! I really do think that sometimes the "head honcho" really doesn't know what is truly going on. That is how I got my PIF from Star Advance. I went right to the Admin and she gave me my PIF, and apologized for "her" company putting me through all the nonsense. So I guess you can call this a "done deal"! Glad I could help the cause.

Hi Folks,
I just got a call from ARM on behalf of paychecktoday. After I explained to the agent they were trying to collect on a debt that indiana does not recognize, I was bumped up to a supervisor.

First, I said I would appreciate if we kept this call civil and to the point-which, they at least did that.

I went over the Indiana statute and explained that, in fact, we had overpaid. I also asked if they had mailed a dunning letter and they claim to have mailed it yesterday. I advised them I would be responding to that with a DV letter as well as forwarding their letter to the Ind Financial Instittions office.

The supervisor just kept referring to the contract and I kept saying since PCT isn't licensed, under Ind law the contract is null and void. She must have realized we were at a stalemate and said feel free to forward my issues with the Ind AG but the debt was still going to be collected on.

How am I doing so far and what else should I do next?

jt. . . .on the first page of this post I listed an address for the Admin. Try using that address to get your point across. I also believe that mjj used the same address. She now has her PIF. Good luck and keep us posted.

JT, I had major issues with them. Atleast you got them to be civil. I sent them a request for debt validation and in that letter toward the end, I put a clause about my state statute and that I overpaid, etc. I faxed and sent them a copy certified mail. I cc'd the state attorney general and made sure I sent them a copy too. They called three more times, my cell, I printed off my bill, highlighted their calls, faxed that with a letter stating that I was forwarding this information to the KY AG, FTC and BBB. I also filed a complaint with the BBB which they answered a bunch of garbage but, I have never heard from them again. Whatever you do, be sure to start and keep the paper trail so all evidence is on your side in case you decide to go to court. The address I used is the one posted...9000 Regency Square. It is a good address, received that in a letter written by darlene graham herself.

Okay so my experience was the same but once I sent an email and a certified letter to the head of ARM Darlene, the next day she responded to my email saying the account is paid in full. I then requested a paid in full letter and she said fine. Three days later I recieved my letter in the mail with her signature. I also sent along my complaint numbers to the BBB, AG's office and the FTC. I had this done in a matter of a week!

You guys are rediculous....Let's borow money and not pay it back. Now correct me if I am wrong, isn't that stealing? And when it comes to payday loans over the internet, it does not matter if they are licensed in your state, it is done over the internet, and those contracts that you "read" and sign are valid.... How terrible that you make a chat forum on scamming them and then trying to scam the people they pay to collect their money back... I bet you have different forums for each agency that calls about the many other loans you have taken out and not paid back, OMG like you think you are so cool.... You all are losers who need to learn how to pay your bills and quit stealing money from honest businesses...The reason their fees are so high is because they are willing to loan your sorry a$$ money becasue if you are going to them that means you have already done that with the banks and family and friends...So it is to protect them, less people will pay them back and they know that...That is why the 3rd party collectors are so rude, they know they are dealing with credit criminals-----So keep thinking you are getting away with, it will catch up to you....You can count on that....

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Go Shazzers!!!!! Thank you for educating the uneducated.

I have worked with this company and have quit due to the techniques that they use and fully agree that they do cross the line where FDCPA is concerned. Unfortunately no one is willing to take them down and report them. Is there a way to shut them down for good???

I have 2 payday loans that i had to close my checking account to get caught up. I live in Florida & one is Emerald Marketing and the other is My Cash Now who they have a man calling leaving messages on my cell phone & you can barely under stand him. He has a very heavy accent & tells me he is from a law agency & it is a time sensitive issue I call them to resolve this or they will pursue other actions. The messages left from Emerald Marketing just say to have me or my attorney contact their office immediately or papers will be filed in Orange Co. FL. Can they do this? It makes me scared to think they will come to my work or home or even get served. What can I do?

well since niether emerald or mycashnow are baesd in this country and therefore illegal in all states i doubt that they will file anything against you as in FL internet loans are non-enforcable,and non-collectable.we do advocate paying the amount borrowed nothing more.once that is paid you owe nothing and an idiot IN INDIA can't and won't do squat except call and stupidly threaten.first file a police report as the idiots broke the law with those threats.then file AG complaints against both loans as again illegal,and not based in the US.then ignore them.hang up on them.

Oh thank you for your advice!

Can they report these to the credit bureaus? I have received emails from the 2 companies i had loans with stating they have reported me to Teletrack. Can they do that too or is it just with on line pdl's?

well if they do file a dispute and note to the credit bureaus that it is an illegal loan that your AG is handling.that usually does the trick,but most don't report on your CR.