PDM associates HELP

i got the same call from them, i wouldn't put too much stock in anything these people say, at all!

you say you had a loan, did you pay back anything?

I paid the interest on the loan for $80.00 a week about 4 times before I defaulted on the loan. I am just wondering what the best course of action is with these people. i don't want to end up paying them and then have another collection agency try to collect on the debt.

Is SSM even legal? I agree I would like to pay what I owe them but what about all the interest I paid? I can't even deal with them now, as they have turned me over to PDM.

If you don't mind my asking, being that you got the same call, what are you going to do?

i am not familiar with SSM, and I am not doing anything right now, i am waiting to see what my state AG's office does

i received a call from these people and yes i dont mind paying the debt, but they refuse to verify information saying that the next thing i will receive is paperwork to serve me. has anyone heard any thing more from them after the threatening calls.

I just received a call from these people a gentle man by the name of Michael Ross saying that he is going to send over some paper work to my office and that I should call before 4pm today what should I do I need help fast

I don't want to give you guys bad advice, but let me tell you what I did. I stopped taking their calls when the man I talked to refused to take payment by western union or money order. He called my place of employment for two more days, but after that he stopped. I have not received any other correspondence from them as of yet. In order to garnish your wages, they have to win a judgment against you. I find it hard to believe that they will win when they cannot provide me anything to validate the debt. My next step is to contact the original creditor (SSM Group) to make payment arrangements with them instead of any CA. Then I will know my money is being paid to whom it is owed. I would file a complaint (which I am doing) with your AG and point out the fact that they refuse to validate the debt.

I recieved a call yesterday from them. I called back and they would not tell me what kind of company they were. What should I do

I got a call from the same people, saying they were pdm associates. They called me at my place of employment first and then they got my cell # and started and calling me on that also. The lady, who indeifited herself as Ms Finch, told me that I owed like nearly $700 and I had to pay $272 this month and in September. She said that if I didn't pay this a judgement would be filed and my wages could be garnished for as much as 35%. They also would not provide me with any debt validation in the mail. They refused to take funds by mail or western union. They said it could only be paid by checking or savings account, or by credit card or prepaid credit card. When I called back and accused the lady of trying to scam me, she started yelling at me and telling me that my wages would be garnished and hung up on me. These people are scammers and they are just trying to get money out of you for nothing. They even called my place of employment and tied to tell my supervisor that they were going to fax her some form for garnishment of my wages. I talked to a lawyer and he told me that garnishment of your wages have to be done by a court and the papers have to be sent to your employer and they have to be official documents. These stupid people are just trying to scam people. Do not talk to them anymore if they call you. My employer said she was going to tell them I no longer work there if they call again.[font=Arial][/font]

I just got the same call and was told by Dana Rhodes that the monies she said I owed could only be taken out via checking or savings. and that they would send my info to Harris Cty Atty's office. I even asked if they had an online system to pay or report payment via western union. She said no, I didnt understand a judgement would be filed by Oct 31st. I asked for a reference number as well, nothing...what now?

Do you mean the Harris County DA's office? Pure CA BS. You cannot be arrested for a debt. More details of the alleged debt please.

ah another phoenix debt management thread.this is an unlicensed bottomfeeder that collects for illegal unlicensed pdl's.i doubt anything they even mention they are going to do they have a hope of doing.

I just received a call on my cell and work number from Mrs. Ross that a 48 hr investigation was going to conduct regarding a specifica case against me and that if I'd like to call to discuss it I could call the number and ext she left me. I called and a gentlemen answered. He asked for my case number and then rudely said "hold on" and then hung up on me? what the heck was that all about???????

I just received a call on my cell and work number from Mrs. Ross and she indicated that a 48 hr investigation was going to conduct regarding a specific case against me and that if I'd like to call to discuss it I could call the number and ext she left me. I called and a gentlemen answered. He asked for my case number and then rudely said "hold on" and then hung up on me? what the heck was that all about???????

they want to get you on the phone to illegaly threaten you.if you call them back say right away you are recording the call.see how fast they hang up.

Hello,
I just recieved a call from this company threatening me with a Misdamenor. I do owe 2 internet loans and when I asked her to tell me the #'s to call them to make arragements because I have not received anything form them she said she could not give me that information because it was turned over to their office. she wanted me to give her $115.00 on a credit card today in order to stop it from going to the DA's office here in N.C. I asked her could I pay with Money Order or Western Union she said no. when I told her that I will call the DA's office myself and see what is going on she became very defensive and said since I am going to do that she is going to have me served for writting a bad check. Can she do that? I also askedd for a Validation letter and she became very defensive.

typical stupidity by this bottomfeeder.debts are civil matters not criminal ones.they can't and won't have you arrested.there fraud claim is ridiculous.an ACH debit consent is not a check.send them a DV letter certified mail return receipt.

ms watkins also contacted me in Pa. saying basically the same, need money immediately, wage detachment etc.. any help out there, about this company? name address of PDM ASSOCIATES OR LLC PAC MANAGEMENT, WOULD BE APPRECIATED. are pdls legal in PA

no they aren't legal.and neither are garnishments.the address should be at the front of this thread.send DV and C&D letters.send them certified mail return receipt.

These people are a joke!!! They call me every week and say today is the last day before they file to have my wages garnished and this has been going on for 4 weeks now, they wont accept payment arrangements and it is just a big load of bull. I contacted the Attorney General and let them know that they were harrassing me at work and my cell. They are going to see what they can do to make it stop.

I received a call today from Dana Rhodes and was told that I owed a debt totaling $1983.00 to Check-n-go for four loans that I took out back in 2007. I told her that these loans were not mine and that the loan that I did have with them was paid off in 2007 two weeks after I took it out. She told me that my signature was on these loans therefore I owed the debt and if I didn't pay she would proceed in filing a motion for judgement against me. I advised her that a collection company cannot file a motion for judgement only the original creditor (I guess she thought I was stupid). I asked her to provide me with copies of the loan documents showing my signature and was told that she didn't have that information but it showed that the funds was deposited into my account. She did give me the account numbers and store numbers where these loans was supposingly taken out. I then contacted Check-n-go's corporate office and spoke to Theresa and after some research was told that they only had one loan in their system for me which was my original loan for $350.00 which had been paid. Theresa then checked the store numbers where these loans was taken out and informed me that they were all located in various locations in Kentucky. My original loan that I took out was done in Washington, DC since I live in Maryland. I advised her that I have never been to Kentucky nor do I know anyone there. Theresa then gave me the number to a fraud hotline and told me to file a report. After doing all of this I then called Ms. Rhodes back at PDM and gave her the information that I received from Check-n-go. Not only did she get mad and nasty telling me that the loans still had my name on them therefore I am still responsible for paying for it. She then told me that she would proceed with filing the motion for judgment today. I told her to do what you have to and I'll see you in court.

File a police report immediately. If there are PDLs in your name, who knows what else could be being done in your name? If you don't file a police report, you will have a harder time defending yourself against fraudulent charges done in your name.

In fact, I am very skeptical of any number given by a PDL. Are you sure that was an actual fraud reporting system, or a phishing scam designed to get your information? What was the number they gave you?

I also received a call from Mr. Hanford at my place of employment i acted as if it wasn't me and asked where he was calling from and all he said was from PDM firm i owe on 1 payday loan but i am paying for it. What is this place?

I just recieved a call stating that i fraudulately provided them with invalid bank information, which is true, because their "client" (the loan company) received the amount of the loan times three (taken directly out of my bank account). So why am i being harassed? I hung up on them before I can hear of the reprecussions because they were paid!!! And I do know that any garnishments has to be awarded by a court and i have bank records to prove my case. So go ahead PDM associates...you're not dealing with an idiot. Call the BBB...they can help (i think).

(to clarify the above): Right after the loan company took the $998 from a $300 loan out of my account, i immediately closed it. So when the rep from PDM ASS(es) called me, i tried to explain why i closed the account in the first place and he said that the loan company wouldn;t take that amount in the first place and then ask for more. i offered to send in the proof and he insisted that they would garnish my wages unless i gave them my bank info. no, no, no. been there, done that. that';s why they got false bank info

so these people called me as well, i set up arrangements for specific dates, these people went into my account not on the date i specified but on a date they felt the need to set up. I call them back after they call me about the situation and some guy Tim gets on the phone yelling, and asked me if i have ever been in trouble for writing a bad check, i explained to him that i didn't and you drafted it when you felt like it. what should i do?

NEVER give them your bank info. They do this behavior often and it is nearly impossible to stop them because many of them are not in the US and either don't know American law or don't care.

But, since it was on the phone, file a complaint with the FCC. The last post here is filled with flagrant FDCPA violations (lying - it's not the same as a bad check).

Here is some info on them from RipOff Report about how to get your refund: ("http://www.ripoffreport.com/reports/0/402/RipOff0402799.htm"). Hope this helps.

I received a call from PDM Associates...Ms Fitch...and of course she is SO RUDE! SHe wouldn't even let me talk...she kept talking over whatever i was trying to explain to her. I told her that i have another loan consolidation company taking care of my Huskhawk and Vince Enterprise loans and she didn't acknowledge that. SHe wanted $800+ or else she would file a report with my DA in my county (FLorida) and send a fax to my HR department. SHe is saying that i am committing internet fraud! Is this right?? I'm freaking out right now....

dont pay, there is nothing they can do to you since they are only a collection agency!! honest to gods truth

I got a call from Mr Jackson last week about a case in Amanda Houser's office. The case turns out was an old credit card, he said that they were going to file a suit if i did not pay "voluntarily". I told him i would call him back friday when i got paid, and he said no, i had to give him my checking info to hold it until friday and i toldhim i would cal lhim back. Yesterday a SHERRIF came to myu job looking for me, tryng to serve me with paper work?? My whole job thought i was going to jail...this really doesn't look good because I work account payables at a manufacturing company!! What can i do the paper work says I owe like 4 grand for a credit card that had a $800 limit???? How does that happend in these economic time???? Someone please help me asap...PDM are RUDE ASSHOLES!!!!

Here is a good site with detailed info on what to expect in the court process, and any defenses you could use, etc. It is for New York so it may vary in minor points with your state.
"http://www.nedap.org/hotline/court.html"

Make sure you go to the court. File a Motion for Discovery (ask the court how) so they have to detail how the amount got so high.

Get an attorney. If you can't afford one, inquire with your local county court about Legal Aid. or check out the National Association of Consumer Advocates for a referral to an attorney in your area.

I work for a legit company called professional debt mediation. As you can see PDM are our initials. We do collections for paydays and this company is not legit. They some how are getting peoples phone #s and calling trying to collect on something that is either 1 placed with a real company or 2 collect on a bogas amount. Dont be fooled, always do your homework before you pay someone , if they are not willing to give their fax and address to you hang up and report them. That is not how my office conducts business so pleased dont be fooled!

really?that's news to us.both phoenix debt.and your CA are bottomfeeders.give me proof other than a fillabuster.

This company just contacted me at work. I set up a payment arrangement with them out of fear (they knew one bank account was closed, i had another bank elsewhere and they stated this info was given from the county where I live) what should I do now?

This company just contacted me at work. I set up a payment arrangement with them out of fear (they knew one bank account was closed, i had another bank elsewhere and they stated this info was given from the county where I live) what should I do now?

Do NOT give any money to PDM Associates, VIP Loan Shop, etc. Validate the Pay Day loan company first to be sure they are registered for business in your state. Get a hold of your state Dept. of Justice for the business registry web address and look them up. And if you suspect fraud, file a formal complaint with your states DOJ as well. These crooks have be caught and shut down. I ended up closing an account and returning 60 days worth of fees back to VIP Loan Shop. They have called me at work and just tell them to shut up. We can't file police reports unless they threaten bodily harm. If they have your account #, they will NOT stop taking your money until you close the account. Talk to your bank and file fraud on the account and see if you can send any of the funds back. Seek an attorney if you have too. But do NOT give them money. PERIOD!

Hi Everybody,
Here is the deal....I got loan from webpd back in Sep.2008. Amont was for $500. I paid back over 2,000! They keep debiting my acount. So my bank finally took away my (od protection). Had to close that account. Due to needing another bank acct and wanting wbpd to leave me alone I filed a report with the AG office in June of this year. I hadn't heard from webpd. So today I get a call from "Tanya. She told my co-worker she was my "friend". I knew I didn't have a friend name Tanya. Anyways, I got on the phone...She said she was with PDM LAW OFC AND ASSOC.and my acct was turned over to them by webpayday in the amount of $925 for a $500 loan." I let her finish her "spill". At first she was nice then she turned physco! I said, "listen, think about it...i paid over 1,800 back on loan for $500." she said ,"you agreed to those terms". I said, "but the loan is paid back " She said,"No you owe "925, but we can settle out of court today for 625". I said, "think about it...she cut me off rudely and yelled,"NO, YOU THINK ABOUT IT...STAY OFF THE INTERNET AND STOP TAKING OUT LOANS YOU CAN'T PAY BACK!!!!!!!!!!!!!!!!!!!!!!!!!!!" THEN hung up the phone in my face. I was stunned. Okay...First of all, I PAID BACK THE LOAN TRPLE THAN THE FACE VALUE! How are they trying to make me pay them $925? She wouldn't even tell me where the other $400 fee originated. She was probably gona keep $400 for herself and give the rest to webpayday. What ever the case...Why do they ALL get so mad? If they were legitimate they would stay on the phone and talk, not hang up on you. What makes this so messed up is, I have a feeling the AG got onto webpayday and they (webpd) was like if we can't have her we willl give her to the sharks at PDM..So now the are bugging me...Not for long hopefully. I am fowarding her name and "company" to the AG AS WELL. CaN WE START A CLASS ACTION SUITE AGAINST THEM? I mean if someone can bring a class action suit against Kroger or TJ maxx, surely we can all get together and bring one against this company...Even if we don't get our money refunded...could we at least get the serenity of knowing they will leave us alone? I am not trying to be mean, but I paid my dues...I have a family and right now I am taking care of two households...I refuse to tell them this, they will not break me (emotionally). I t's not like my account has zero payment... Besides, what type of company doesn't allow you to mail a cashier's check, money order or some other form of pament? Who's to say they won't take the money off my "pre-paid card" and say "we never recieved a payment." How do I know that won't happen if I purchase a pre-paid card? This is crazy. I am seriously gona pray for these folks they need hep. What kind of professionsal acts like this? Oh wait...they aren't pro's...just scammers.
Any one on here have luck with them just stop calling all together?

what is this PDM???
what is the fullform??? I am not able to understand

This is the second place to call and threaten that I owe them money from some loan which I never took out. I have filed a police report because someone got my social and bank info and went crazy. I didn't find out till I moved and the utility company told me I had changed my name. I can't have a bank account anymore, have to carry papers from Social Security saying I am who I am and never changed my name. The other company threatened to have me arrested if I didn't get a Wal-Mart card and pay them that night. They refused a money order or cashiers check. I ended up filing a police report. The police notified me that it is a Federal Offense for a collection agency to call you at work as well as a Federal offense for them to threaten to arrest or garnish you. They cannot threaten in anyway. Now this company calls a co-worker of mine and leaves a message that I used him as a financial reference. He already knew of everything I have gone through. I am going to file a separate police report tonight when I get off work.

[COLOR=black][FONT=Georgia][COLOR=black]I received a very aggressive message at work from "Rhonda Crowley" about an old Cash Yes loan that I paid over 2x's the amount back on. When I realized that they were still debiting my account, I had my bank remove their access and have since closed the account. I sent a letter to Cash Yes informing them that they were not to ever contact me by phone, or have a rep contact me by phone and that all conversations about this matter were to occur in writing only. I also Cc'ed the attorney general's office, the FTC, the BBB and the [/COLOR][COLOR=black]Department of Insurance, Securities and Banking on the letter. I guess they thought that I was BSing. Since they have CLEARLY violated the Fair Debt Collection Practices Act of 1977. I explained to "Rhonda Crowley" that the company was explicitly warned to communicate in writing only and she began to yell "we're not putting anything in writing!” I told her that she was full of sh!t, that's why should couldn't put anything in writing and that I'd see them in court since they have CLEARLY violated the Fair Debt Collection Practices Act of 1977. [/COLOR][COLOR=black][FONT=Calibri][/FONT][/COLOR]
[COLOR=black] [/COLOR]
[COLOR=black]I'm waiting on a call back from the Attorney General's office now.[/COLOR][/FONT][/COLOR]

Do you have the mailing address for PDM CA?
The phone # they left me is 816-581-2443

Thanks

I received a call from a mrs. watkins claiming there would be a suite against me for a coldcash payday (internet 500coldcash) loan I took out in 2008. She said I needed to make payments right away. I live in CT where payday loans aren't legal can they sue me legally?
Thanks in advance...

No, they can't.

I am curious if these people actually do garnish your wages? I have been threatened by a Mrs. Watkins, and I have tried to set up a payment plan. They just DO NOT want to work with you, and the options she gave me are giving me a hardship. I have a payment due coming up on Friday and Im not sure if I should even send anything? Any ideas?

I took out a loan with Cash Jar and paid interest for a few months, then they sold the loan to PDM Associates. PDM took $426.66 out of my checking account - the 2nd payment of $213.33 should never have been withdrawn from my account as the loan was sold to Johnson & Freedman. Andy at PDM told me various times that they would forward the $426.66 to Johnson & Freedman but Megan at Johnson & Freedman said they never received the funds from PDM to pay off this loan. They are now threating to take me to court.

Quote:

Can Johnson & Freedman take me to court to collect debt sold to them?

In my earlier message regarding "can Johnson & Freedman" take me to court I forgot to mention that I live in Pennsylvania.

Can Johnson & Freedman take me to court on an account that was sold to them - I live in Pennsylvania?

Quote:

Has PDM Associates taken ANYONE to court? I have been threaten that they will garnish may check (In which I just found out that they can not)they have to go through the courts to do so. Today I receive a call from them and everytime I answer the phone they hangup. when I called back.....a gentlemen said to me about a court order so I told him to take me to court he immediately said "who said anything about taking you to court". At that point I hung up. I'm tired of PDM calling me and making threats and calling me hateful......I mean what type of company does this? Anyway I had to call my job to make sure that they can not go through my job without my knowledege. I was told by my job that THEY (PDM) has to go through the courts to get a court order to garnish my check. And I really don't think that PDM wants to take me to court. So again I ask, Has PDM EVER taken ANYONE to court for garnishment of their checks? Let me know......Thank you!