I am currently dealing with both SJM Marketing and Telmerica,both of which is h***. SJM Marketing for starters drafted my acoount for $250.00 a week before payment was scheduled for payment and when I found out about the issue I place several phone calls, e-mails and faxs (none of which have been returned yet) about the matter. I have been charged return payment fees twice this week from my bank because even after placing a stop payment on SJM they still attempt to draft my account (the stop payment was not posted til after 12 noon but they attempted before then).

Could anyone give advise on how to write a dispute letter? I made a stop payment on SJM Marketing but before it was able to post they attempted to draft my account twice today causing me to be charged numerous return paymnet fees. I am getting p***ed off becuase I don't have money to just be dishing out. I had to stop payment on another loan that was due for payment the day SJM first drafted my account for $250.00 on 12/16/2005 (a week before scheduled payment was due with SJM) and the money SJM drafted was set aside for another loan company and also my car payment.

I had about $3500 of debt presently. I am looking for a clean consolidation program.I however have these requirements from them, let me know if this is possible 1. Reduce total debt, by negating fees and interest 2. Accept a single payment from me, for the whole debt,so I dont have to make monthly payments. 3. After I make the full payment to the conslidation program, I can get clearance from the lender that it is paid. Dont know if this is a lot, but would be really helpful if someone would do this. I dont mind paying them fees, just dont prefer making monthly payments again!

Here is what I think- if a credit card debt is charged off by a company,then it is incurred as a bad debt,a total loss amount. In other words, the principal is accounted as a write off in the lender's balance sheet. Now if a sum of amount is writtern off and reported to its investors as loss, how can interest be applied to it? The borrower in such a case is not even liable for the borrowed amount. By collecting on charged off accounts, aren't lenders having it both ways? Writing it off at the same time collecting on it. Also, how can interest be applied on principal written off.

I have had a payday loan since may. It keeps rolling over, several months. I faxed in the form to pay it in full at the end of june. I could not find the form nor their contact information until today. I still can't find the form. The orginal loan with fees was $390. Can I file a complaint against this company to get some of my money back? I never received any additional contact from them. I do understand that this is my fault for letting it go for so long. Can I file a complaint with the attorney general's office?

I am seeking addresses for the following payday loan companies: US Fast Cash United Cash Loans Mypaydayloan.com

I recently listed my payday loans with a debt consolidation company. They said it might be a wise idea to send a cease and desist letter out to the creditors now to avoid calls and work and such. Is there some changes I can make the the one I found on here?

Does anyone have contact information for any of the following companies: Easy Loan E-Cash Now Xpresscash Loanshop PD6 Ventures Thanks for any help you can give me.

Has anyone ever used them or have any information on them? Thanks. Link deleted as per forum rules - Vikas

Does anyone have an address for Moneyline? It's a payday lender? It could be under ML Incorporated.