CK Marketing

Where did you hear of them?

CKM is out of Yuma Az
3336 E 33rd Place Suite B
Yuma Az 85364
800-928-3161
just received a letter threatening to take me to court.

Quote:

They used to be paydayonline.com. They seem quick to send a wage assignment out to employers, so I'd advise anyone trying to deal with them to make sure to send a wage assignment revocation to both CK Marketing as well as your employer ASAP, to cover yourself.

They sent me a notice of garnishment in the mail, stating they were going to instruct their attorney in my area to file a garnishment order with the local court. I have paid over $2500 on the $600 I borrowed from them, and they refuse to acknowledge my request to mark my account as 'Paid in Full.' They are not licensed in my state, the terms of the loan are illegal in my state, etc. I have made them fully aware of this, but no response.

They are claiming I owe $866 on the $600 borrowed. $35 of that is a NSF fee, though I informed them before they attempted to draft my acct. that any ACH debit authorizations had been revoked, and that the account had been restricted from them trying to debit it. They also tacked on $51 for court initiation fees, yet they have not initiated anything in court. What a joke!

I filed a complaint with the Arizona BBB, and to date, have not heard anything back. After receiving the notice of garnishment in the mail over the weekend, I called the company and left a voicemail for the person who has been contacting me, advising that I was filing complaints to their state's AG Office in addition to my state's AG Office, and the FTC, and that a complaint had already been filed with their BBB.

They keep leaving me voicemails with settlement offers. The first one was to settle for $250, then it was $200, and the last was $150. If I still owed them the principal, yes, I'd settle. But, I have more than paid them back the principal as well as interest.

So, to anyone dealing with them........good luck.

here is their address & ph

The address for CK Marketing Inc. is as follows:

CK Marketing Legal Dept
3336 E. 33rd Place, Suite B
Yuma, AZ 85364
800-928-3161 x119


am on a pmt plan with them to pay back a $400 loan which is well over the amount they have already gotten from me in fees. they were supposed to take out $59.50 on friday 11/26 but hadn't and they now consider me breaking my arrangmt. how is that when they have the control to send the pmt through?? the money is there but they didn't do what THEY were supposed to. go figure.

I was one that they fired and they everything you stated is true!!! Be very careful anyone who uses their services. I know the legal department backs off if you send in a c/d letter. Or let your account go to collections then when they call you tell them you need to settle and they will knock off almost all fees and only require that you pay back the original amount.

you should go to the FBI and tell them what you know.

Sub #7 and #8 should contact the FBI and tell everything you know.

they call me at 7am and have left me 5 voicemails on personal phone, 4 at work. isnt that against the law???

I am in collections with this company. They havent bothered me at all. I was checking to see if anyone has heard of Habib & Assocs? Some arab guy calling me with super vicious threats. Saying he is coming to put me in jail because i owe money. The other company has been great to work with. Maybe if you pay your bill they will work with you too. My contact there is "Shaundra". I think her ext is 133. If you know naything about Habib & Assocs respond here quickly

I have gotten the same very threatening messages from arab men too. Every time you call back the number given it is a non-working number. I was naive the first time I spoke with them and gave them my account information and they took a lot of money out of my account, I disputed it and got it all back fortunately! They keep calling my employer and me repeatedly even after I told them I was going to file a police report against them. This topic was on Dateline a few months ago-there is a huge warehouse room where all these foreigners are employed to do just this-try and take peoples money! Its a huge scam!!!!

So, for everyone on here who says just send them a cease & desist and as for the former fired employee, your advice is no assistance at ALL. I totally went online and read ALL your advices and CK Marketing STILL sent my account to litigation and they garnished my wages. I filed a BBB of Arizona and an attorney general complaint of DE & AZ and I received a letter back from all entities that I WAS RESPONDSIBLE for the debt which was borrowed at the prinicipal amount. Meaning, I had to pay back WHAT I borrowed regardless that I paid over 3500.00 in interest. I still owed the original amount. They have an on staff attorney named Fred and he hired an attorney in my city and state to take me to court and freaking garnish my wages. I filed a complaint with the FTC and received a letter back from them stating that they had a response from the company CK Marketing and that CK Marketing provided them with all the proper legal documentation the FTC required. Also, because CK Marketing is the original creditor - the FDCPA DOES NOT APPLY! Can you believe that!! I am in California so, BEWARE!! Pay this company because the got my interest for over 2 years and the principal balance of 300.00 plus court costs, administration costs. No joke. The judge had NO mercy on me. Ck marketing attorney said I was offered several payment plans and because I NEVER paid them or "took the up on the settlement offers" they wanted all court costs (attorney fees) and they got it! So for 300.00 I ended up paying 1751.36 through a garnishment at my work which was totally and completely embarrassing... So, please when you post replies to people like me searching for some serious help, PLEASE dont give wrong information, PLEASE - take it seriously. They do garnish and even if YOU send a cease and desist letter - THEY are original creditors and the FDCPA DOES not apply. My last garnishment check is due at the end of May. This has devasted my finances at home. I am a single parent with 3 kids at home. It's been tough to pay rent and feed my children with the lack of income. If you owe this company money - settle. Or just pay them. They are under new management and they are rude, mean people to take everything !! I found a company who assisted me in this matter with correct information and I have placed their advice info below:
Original creditors are not covered by the Fair Debt Collection Practices Act, however, many states have laws which have similar protections from original creditors for consumers in debt.
You can visit: [URL="http://www.bcsalliance.com/y_debt_statelaws.html"]http://www.bcsalliance.com/y_debt_statelaws.html[/URL] which is a site that lists the
debtor laws of every state. Look up your state to get the actual answer to your question.

Ofcourse, my state strictly follows the FDCPA unless the loan shop is a "store front" IN California. So I was soooo screwed since I obtained the PDL online.

does no one notice a pattern its all employees who have been fired and are mad due to that we have all made the mistake of taking a payday loan thanks for ur advise sub 13 urs is the most helpful i wish u well nn

please #'s 13 and 14 are humanoids.CK marketing is also PAYDAYMAX,AND MYCASHNOW neither are located in the US and the AZ address is a front/shell address.the story in#13 is an absolute lie and #14 is a doofus.nuff said!!!!!!!!!!!!!!!

Hey Paul submission #15. This is Terrie #13... you are the biggest idiot on here! What is your problem? CK Marketing IS in Arizona. DO YOUR research you ignoramus. You should contact the FTC, Arizona BBB and the Attorney General of AZ & DE. I have no reason to have further dialouge with stupidity such as you. Whoever reads this forum. Paul #15 IS the one of the reasons why I WAS GARNISHED in the state of California. BECASUE I LISTENED TO ignorant morons such as good ol' stupid Paul submission #15. As far as I know good people of this forum. .. CK Marketing, is formerly known as paydayonline and they switched business names according to the AG of AZ in 2010. They have NO link to either PAYDAYMAX or MYCASHNOW or any other online payday loan shop out there.

I owe money and I have dealt with CK Marketing. They were fine to deal with. They settled my account and now I am paid in full. I think IF you owe a paydayloan place money and they are willing to settle you. Just pay it or try to settle it. I spent more energy trying to get out of the debt then just settling it for $150.00 bucks. Whatever happen to being accountable and respondsible? That is the nature of the beast here. We borrow and they loan at ridiculous rates and the intention is to not pay back since it's "online". But, this is the age of technology. They find us, hunt us down and we pay one way or the other. Texas is a no garnish state, but they can and WILL levy my assets. THAT is legit. Just take care of your business before your business takes care of you! Paid CK Marketing 150.00 and I am out of hock. Paid Cashnet 275.00 and I am done with them. I am working on Northway now... settled with them for 350.00 - I stopped the insanity by owning up to my portion of the accountability! Be smart - do the same. Great message #13!

oh really?any address can be registered just like a p.o.box.that doesn't make it more legit.btw alot of illegal pdl's have shell/front addresses that are registered as mail drops,so instead of acting like you are on the phone.give me something else.consider your flimsy retort shot down humanoid.

#17 is a bobo as well.unless you really owed 150.00 then you pay what you owe,and being as this thead deals with an illegal lender all they are entitled to is the principle nothing more,CK is not legal.btw CK is a d/b/a of PAYDAYMAX,AND MYCASHNOW.so take your talk of responsiblity elsewhere as alot of people overpaid and are actually due refunds.wonder how the big three go about giving refunds.oh that's right they don't.

Hey Paul #15 you are a total WANKER
BELOW IS A LETTER THEY JUST SENT ME!
If you have any further questions or decide that you do require assistance, please email questions to [EMAIL="reply@ckmarketing.us"]reply@ckmarketing.us[/EMAIL]. Thank you for your valuable time and sorry for any inconvenience that this may have caused.

CK Marketing
(Formerly Payday Online) idiot and should shut your toiletbowl. Your a idiot. They are formerly Payday they sign emails that way and they ARE in AZ. SO STFU

I chose to decline working with them. And that is exactly who and where they are.AVOID THEM AT AL COSTS PEOPLE! I decided to investigate them and thank God I did.

please yelling and name calling are the calling cards of humanoid shills/bobos.btw one of my friends got an email in response to their letter.guess what doof?the letter stated like alot do that CK marketing is based in nevis west indies and the borrower is bound by the laws of nevis west indies.so please back to the phones as again CKmarketing,paydaymax,and mycashnow are affiliated and any address in the US is a mail forwarding address.this place is not based in the US.i await your ignorant response.

btw google ck marketing paydayloans as i just did and tell me what you see.what you will se is a block with three pdl's web addresses in it.they are.

CK MARKETING
PAYDAYMAX
MYCASHNOW

so the AZ addres is mail front and btw the idiot gave themselves away.nobody in te states uses the term wanker,so this thread is locked.