Payday loan help Midland Financial

Midland Marketing Group or Bahama Marketing Group. Did you have a payday loan through them or are they collecting for a pdl? There are a lot of posts at this forum made by other members here on this company and so far all I have read are negative remarks. According to other members here they use illegal tactics to collect and are notorious for violating the FDCP. Report them to you Attorney General's office and file a complaint online with the BBB. Have they made any contact with you through usps or is all communication via telephone? What state are you in? How much did you borrow and pay back? What was the name of the original lenders?

I haven't read anything possitive about Sand Point Capital either. Please provide us with the info I requested and we will be able to help you further.

Is your bank account still opened?

Did you have a payday loan through them or are they collecting for a pdl?

same thing isnt it????

Quote:

Shazzers,

Yes, I had a payday loan through them. They have since sent me to a collection agency called AIS after I sent them a letter revoking auth. from my bank account. I have already reported them to the Attorney General's office my next step is to file one with the BBB. The only way they have communicated with me is through email. I'm in the state of Arkansas. I borrowed $200.00 from both Midland financial and Sandpoint capital I have paid almost $400.00 back to both of them. I've paid back double. The original lender is Midland Financial (at least that's what the paperwork say). Sandpoint Capital is the original Clearwater bay marketing (at least that's what they say when they answer the phone). Yes, my bank account is still open. Should I close it? Thanks for responding back.

The same thing happened to me late last week. AIS supposedly doesn't even have my file on record yet. Have you heard anything from AIS yet?

No, I haven't heard anything. They told me the same thing that. They said that they didn't have my file on record as well. They told me to call back in 2 weeks.

all I can say is don't pay them a thing until they do a debt validation for you. Make sure that you send a debt validation request to them through certified letter (return reciept requested). I know they won't be getting any money from me without validation.

I'm sending them one this week. I've already paid them too much. I would really like back what I over paid them.

I hate trolls like this :evil:

Did you overpay them too?

yeah, I overpaid them too. Finally closed the checking account down and sent out the C&D letters to the IPDL's and (BOOM!) straight to AIS collection agency. Of course you have to love it when the collection agency doesn't even have your information. I was in Payday debt so deep it wasn't even funny. It's pretty crazy how quickly these can spiral out of control.

mr paul wilson is a scammer.he probably runs an advance fee loan scam.that is where you send him a lump sum,probably between 800.00 to 1500.00.do not fall for that scam.

That is what I figured it would be.

Do you happen to have the address to AIS Services?

as far as I know the address is
50 California Street Suite 1500 San Francisco , CA 94111
Fax 858.689.2809

thanks

have you had any luck with AIS yet?

No, I haven't had any luck yet. How about you? I appear as a guest right now because I can't rememeber my password right now.

I haven't heard anything from them yet. I'm just gonna let it sit until they contact me.

there is nothing wrong with Midland financial. I am paying off my loan right now and i am having no problems. the thing that you have to understand about the loan is that you will continue to pay only your interest unless you otherwise tell them (3 days before your loan is up for renewal) that you want to pay down your loan. If you dont then they will continue to renew it and you will continue to only pay the interest. hope this helps!

smells, tastes, and looks like a troll, it must be a troll. The problem with midland financial is that they are an illegal company who has no license to lend in the US that charges an exhorbitant interest rate (loansharks). These companies are the leaches of the financial world.

I got a threatening phone call today from someone working at midland financial. I was threatened with jail and everything. The man was screaming and yelling he wouldn't let me get a word in.

Did you, by chance, happen to record that? What state are you in?

No I didn't record it. I'm in Arkansas. He told me that I would have to post bail and that I do owe the money...which I don't. I've already paid these people double.

You're not going to jail so ignore that. Arkansas is a 1 party state. You can record your conversations and you do not have to inform the other party you are recording. Circuit City has a fairly inexpensive digital recorder made by Olympus. It's about $75 dollars but will hold 200+ hours of recordings. I had to go to Radio Shack to get the mic that would record from the phone. It was around $19. Get a few of those threatening phone calls on tape. Alos, have you DV'd them yet?

Thanks for that information. I'm going to really invest in one of those. That was horrible the way he talked to me. No I haven't DV'd them. They will not give me the address.

Best $90 bucks I've spent in a while. Is the company Midland Financial or Midland Marketing?

http://www.debtconsolidationcare.com/creditors-information/midland-financial.html

Almost sounds like the call my wife got the other day. I think they work for phoenix debt management or PDM. When they call again ask who they're collecting for and if they say PDM tell them they're going to be reported to the better business bureau, that shut them up really quickly. Also make sure to send whoever it is a C & D letter.

Sounds like a good plan. I have an idea, why dont we call, fax or e-mail these illegal lenders, that will shut their servers down and they will leave people alone, once they understand that we will not overpay them anymore.

I wouldn't want to be accussed of harassing them :wink:

I'm working on that C and D letter right now. They have been calling me all weekend. I called and added that they have threatened me to my claim at the AG's office as well.

make sure to send them a debt validation letter too.

I have one question about the DV letter. They have not reported to the credit bureau yet. Do I still send one?

I did but I don't know what other people would recommend.

I think i'll go ahead and send one too. Thanks

make sure you send it via certified mail, return receipt requested. Let me know what happens with them. Just remember if they call mention the BBB and the AG's office.

Ok...I'll keep you posted.

I'll let you know what happens with me too.

Does anyone have an address for Midland Financial, at least the city and state? I haven't been able to locate it. I have found that a payday loan is unenforceable in WA State if they charge a fee of more than 15% of the total loan amount, or $15 per $100. I need their location in order to file a complaint with DFI.
Thanks

As Uncle Wolf would say no validation, no payment, no fooling :)

I got a loan through both of these companies and i had approved I never gave writen or electronic authorization on the OSL one- doe they have to have that legally to authorize that claim...I approved the one from midland...and i wouldnt want to end up in the same situation as you guys.. what should i do?-
email deleted.paulmergel.please don't post personal info on a public forum.register and you can PM other members.

does anybody have any contact info for sandpoint my wife borrowed 150.00 and she has been paying 90.00 a month for about six months i feel it is more than paid off and i feel they owe her some back and we want to take legal action

Guest, what state are you in?

From what I can find on them they are illegal. You best bet is to close your bank account. That is the only way to stop them. What they are taking out are only rollover fees and nothing is going towards the $150 to pay it off.

I found this contact info but nobody can seem to get a hold of them.

Sandpoint Capital, LLC
P.O. Box 636
Charleston, Nevis West Indies
Phone Number 1-800-708-4342
Fax Number 1-800-708-4351

They are hiding on purpose so they can continue to debit the fees forever and you can not contact them to pay off the loan.

this is to nohiogal i am the guest you were talking to i am in iowa

I just got one of their little calls about "warrents." I did get back with them, and was given a "release number," as long as the money is in there by the 24th to the tune of 585.00- The loan, with its fees had been 260.00. A friend has suggested reporting them to the FBI due to their being online, and across state lines. I am trying to also report them to the Better Business Bureau, but the 800 number I have doesn't bring up a thing, and their statement conveniently doesn't give their address!

Thanks,

Terrie Ann Wallace,
Pocatello, ID

This has also stressed me enough that dealing with the FBI right now feels like I would Not do well- And, having even applied for a job in their data-entry department once, they can be very, very intimidating.

I have given then almost $2500 on the $200 i took out i need them out of my bank account but am not sure how to get the auto debit to stop. Please help as this is killing me for real i am so far past stressed out and am not sure what to do.

Thanks
Amanda

Please help!

If i close the account these "people" are taking th money form would thay be able to come after me? i took out a $200 loan and have given them well over $2400.00 and none has come off my total. And of corse the webiste that i had gone to is down now and i cna not find any contact info.

please help
thanks
Amanda

Quote:

Some YO YO from a place calling themselves Midland Financial has contacted me three times in the last two weeks saying that I was "approved" for a loan I SUPPOSEDLY took out. I HAVE NOT taken out any loan whatsoever and they say the funds will be dispersed in November. I DO NOT want any such "loan" as I DID NOT apply for any such loan! I WILL NOT be held responsible for something I didn't take out. Does anyone have any suggestions on how to shut these idiots up???