The Bam Group Threats

Both the lender and the collector have been discussed several times in the forums. you can search and read more on them. I have found this discussion on Bam Group for you. Hope it'd help.

http://www.debtconsolidationcare.com/paydayloan/thebamgroup.html

Regarding the summons, you can check the county court site for confirmation. If there isn't anything against you, then you certainly have a case of 1 against them. Can you get their threats recorded?

Send a validation letter to the collector with return receipt requested.

Five bucks says it's bogus. Among other points, you cannot be served to appear by fax!

I have the guy taped on the answering machine he was dumb enough to start talking and say he got a faxed copy of a summons to serve for the charges and then the answering maching cut off he must have realized he was talking to a answer machine

The recording won't do you much good. I too experience the same thing with them... my lawyer could not locate an address for them. When I called, I was told that they do not have an address nor do they accept mail in payments. It's basically just a big empty threat and they know they are breaking the law which is why they won't give you an addy or send a dv letter. Hope that helps.

Try contacting your telephone company. They can give you the actual calling number, from their records. Once you have that, there are several methods available to find a physical address for them. Up to and including getting the address off of their phone bill.

Well they called today and made threat's again. I taped it and told them I would be turing it over to the sheriff fro criminal proscecution

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Hopefully this could help someone

BAM Group
8345 E. Ridge
Phoenix Arizona 84325


One of there no-class dumb-ass Managers gave me this info I hope it can help atleast 1 person

these clowns clld a customer of mine who is a cancer surviver and is the hospital with many different complications ... they told this poor lady they were coming to the hospital with the police to serve her with papers and she is gonna go to jail ... these clowns r a joke .......

I just got an address from a so called supervisor named Gino
2925 E Riggs Rd Chandler AZ 85249

First of all I need to let you guys know I'm a paralegal at a collections law firm. Don't hate me. Its a living that I stumbled into after loosing my last job. My wife received a voice mail from a man who calls himself Steven Clark. He claimed if she didn't call him back to make arrangements to meet somewhere else he was going to come to her work and serve her there. He then said her case number was some 6 digit number which is just their internal file number. The case number in the courts of this county look nothing like this. They are claiming they have filed suit when they have not. If this has happened to you, it is an FDCPA violation and as such you can file a claim with your states attorney general. The penalty for this is up to $1000 per occurance. That means every time they contact you and say they have filed suit when they have not is another penalty. I urge you to contact your states Attorney Generals office and file a complaint. Also, they didn't say the mini miranda. Anyone who is in collections knows you have to read them their mini miranda which is: "This is an attempt to collect a debt. Any information obtained will be used for that purpose." If they didn't say that to you, thats another violation. Here's a link that may help:

http:// fdcpaviolations.com/fdcpa.htm

I hope this helps all of you harrassed by this company giving good guys like mine a bad rap.

By the way, I did some skip tracing on the addresses you guys have.
2925 E Riggs Rd Chandler AZ 85249 is a company called Advanced ENT and Cosmetic. Yeah, its right next door to Rush Street Pizza. That's not them. I searched AZ's state corporation registration website and found a BAM Group Inc. I'm not sure if thats them or not yet so I am not going to post it until I'm sure. I don't want to blame and innocent entity.

Not Just Another Victim--a lot of good info there, but unless the FDCPA has changed in the last couple months, the penalty is not "per violation". FDCPA has always allowed for up to $1000 in statutory damages TOTAL, whether there is one violation or a hundred. Now, the FCRA is per violation, but not the FDCPA. But I do thank you for that post, lots of good info!

I got a phone call today from this company saying I wrote a bad check and need to contact them before they send a summons to my home or work. Well I do not work right now and have only ever accidentally done one check and I paid it with that company right away. I don't know if I should call this guy back or not based on all your comments. What should I do? I am scared. Thanks.

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Skydivr - I double checked sir and you are correct it is a maximum of $1000. Thank you for correcting me.

Update - I emailed the Attorney Generals office in Arizona. Their response was that they are not responsible for keeping Corporate records like here in Arkansas. The Arizona Corporation Commission keeps up with that, but they will not give you a number for them. I am still trying to get in touch with them and will update you as soon as possible.

Here's a phone number for the Bam Group.
888-390-4240

BAM Group
These idiots called my aunt, my friend, and my 76 yr old grandmother saying that I would be served for check fraud. They say it was for a payday loan but I paid that off over a year ago and the bank account attached was closed. I called them back and they wanted me fax them over the receipt. I refused and they got even more rude. They even denied calling my family even though thats where I got their number from.
I was wondering....... cant we track them down by using the fax numbers they give us? The one they gave me was a 303 area code which is in Colorado.

What do you guys think?

I'm glad I pulled this up. Its this lady Erica Wilson keep calling me saying she is going to serve me with a summons to appear in court for a forgery check. Im thinking a check? Now I did get a payday loan once that I couldnt pay back. When the lady left a phone # for me to contact, it was check n go. Im thinking, Okay lady I thought you said check. So I talked to check n go. Told them oh, no. Now the lady is calling again with threats to serve me with a summons. She is leaving messages on the voicemail because Im at school when she calls from a unknown number.

I have 1-888-832-9945

I sed my dad as a reference for the payday loan. Now we stay in the same house. She calls me threaten me on the voicemail with serving me, then called back and left a msg for my dad. Saying, I used him as a reference and if he has any info on me to call. Now she had just called saying a wrote a fraud check on the voicemail and she called right back on the same phone and left my dad a msg sayiong something about a reference. Cant use a person for a reference if youre writing a bad check. They say that to get you to call them back. They are scandalous

They are. Don't let them scare you. PDLs are not fraud checks, plus a bad check HAS to be brought to court in a specific time frame, usually much shorter then the SOL of debts, for example in Texas it is 1 year. PLUS the company the check was written to can be the only ones to file, NOT a CA or even a JDB who buys the account, because the so called 'bad check' was NOT written to them.

Besides, most PDL checks are just blank checks to get the bank info. If it is one of those that are written, they have to be physically deposited in a specific time frame. There is more to it, but at the moment that is all I can think of...check your state laws on bad checks...you would be surprised at all the things someone has to do to charge for a bad check...like another I just thought of, most places require that before you file, you have to send a certified letter demanding payment.

yea i got two calls from them and when i told them about the law they got really mad and told me not to call there office and tell them about the law so i asked who to send money order to and they said they dont take them so i said then u dont get paid so two days later they tried again but they r not getting anything from me

Good. Just stick to your guns.

hi, i received a call from this number too. I did had an unpaid payday loan. r they a court? do you know?

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hey i got a call from them to day telling me i was going to be served with a warrant for my arrest on a loan i got back in 2008 I really don't know what to do about it..What do you think

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I got involved in a PDL trap several years ago. Had to file bankruptcy to the tune of $78,000 and when I went in front of the Trustee not one of the PDL companies showed up to protest so he granted it. No court, no nothing, just wiped away. Now these bugger's (The BAM Group) called my mother today saying something about a summons. It has to be bogus because if they try to take me to court their just going to lose a lot of money in the process. This guy called himself Carl Richards and the number was 888-390-4130. Hope that this helps a little bit. Don't let them hassle you.

tecar--

dont rely on that! Make sure that you check the court clerk's office where you live, and if your mom lives in a different county, then check there too. Just because the debt was already handled in a BK that doesnt mean that these crooks wont try to get a default judgment against you anyways. Its best to cover yourself as much as you can when dealing with a company like this one. Better yet, what state do you live in? If its legal to record phone calls without getting their consent in your state, then I would call them back and record it. I would tell them that the debt was part of a bankruptcy and therefore they dont have any right to try to sue you or collect at all on it. See what they tell you--chances are good that they will break the law in that phone call. And if they do, take the tape and sue them, and let them pay YOU for their violations. They already know that they cannot sue you over a debt that was part of a BK.....nor can they try to collect on it in any manner. They know this, and still, here they are.

Is that "mr.g"? They told me they were in new york lol

They wanted me to pay for it right away or else they gonna serve me at court. Threating me theres no way I can pay or call them back in 30 mins. Because I was at work.

They have 5 days to send you a letter since contacting you and in that letter must state your right to dispute the debt within 30 days. You should send them a debt validation letter immediately, that way if they sue, they performed continued collection activity and that is a violation.

Hey, ive been getting calls from "BAM" about a check from check in go 3 yrs ago. I fell on hard times and didnt repay...now 2 people have called saying they just got faxed over a letter to serve me and i have 1 more opportunity to contact BAM to repay, then they say you have officially been notified....so then i talk to BAM and they say oh let me see if its still here bc im showing someones in the field to serve me, ok if i was gonna be served why do you still have my info?? Should i pay it through them? They said they would knock 50% off the original amount...Any suggestions?? Thanks!

Send them a debt validation letter. They regularly violate peoples rights left and right.

They are a debt collector that bought pay day loans accounts. They can not serve warrants etc. It is a way to try and scare you into paying these debts they bought. Thats the real truth

Pennsylvania law prohibits a cash advance lender from seeking criminal charges on anyone that defaults on a loan because of insufficient funds.
Here is a place to check the laws where you live. The real truth once again
[URL="http://www.paydayloanlegislation.com/"][/URL]

LOL i live in ca and 3 years a go I did a pay day advance with check and go i fell to hard times could not pay it back this was 3 years a go.
last week my brother in wisconsin called me and said this company bam will not stop calling
looking for me, they called him 4 times in one day looking for me. 1-866-318-2970 is there number any ways, I called them first thing they said after giving them the claim number was they were just about to file in the court's today against me. and that my fine's were 656 dollers and if I payed today they would drop the court cost and I would just have to pay 400 I could not stop Laughing at the guy over this, michael berk the claim guy said what are you laughing about I said because you guy's are a scam after I got scam out boy did this guy turn mad he said every foul word in the book at me,even said that I will get it in the rump in prison for the bad check i hung up on him

I found this on the net for you people in CA and are getting call's from bam.

California Payday Loan Laws & Legislation State Information
Legal Status: Legal
Citation:
Cal. Fin. Code ???? 23000 to 23106
Loan Terms:
Maximum Loan Amount: $300
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 loan: $17.65
APR for 14-day $100 loan: 459%
Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot charge fee for extension)
Cooling-off Period: None
Repayment Plan: Voluntary (no fees may be charged in conjunction with payment plan)
Collection Limits:
Collection Fees: $15 NSF fee
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: California Department of Corporations
Address: Financial Services Division, 1515 K Street, Suite 200 Sacramento CA 95814
Phone: (866) 275-2677
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Here is Pa laws for you to use when BAM calls

Pennsylvania

House Bill 2672 of the 2002 session established the first payday loan laws in Pennsylvania. In the bill it states that any payday loan business operating in Pennsylvania must include the information on the following topics in their loan agreement form:

• Appropriate use
  
• Maximum loan amounts
  
• Finance charges
  
• Limitations on Renewal of Loans
  
• Right to Rescission
  
• Limitations on multiple loans
  

freakin awesome. I got a voicemail from these freaks yesterday claiming they were Officer Julia Velez and wanted to meet with me face to face to discuss the debt or I could call the toll free number to speak with the "plaintiff" and referenced a case number, and told me to consider myself served. Mind you, my voice mail doesn't identify me - its a standard sprint voice mail "You have reached the Sprint PCS voice mail box of (phone number)" and they leave a detailed message - morons. ya know, people DO save their harassing voice mails. So, I immediately asked my guy-friend, who is a police officer, and he stated that I would have to be served by one of the boys in blue or a state constable. So, I called the toll free number - just because they're fun to take anger out on - and they tell me there's a summons for me to appear in court. HAHA! Yeah, ok. I let them go on their schpeel and advise them that I know my rights, since they failed to read them to me (that's 1 number 2, with the false representation being number 1), and the guy tells me "bank fraud this, check fraud that, criminal charge this, blah blah etc" - HAHAHA! Ok. So, SC state law says these knuckleheads can't bring criminal charges for a payday loan, not to mention, they would have to present an NSF check to bring bounced checks against me. Anyway, I tell the guy "hang on, let me get my recording device." and he hangs up. He calls me again today, and I hear in the background "hey, baby get back to bed." hmmmm...little bit squirley there... again fails to read my mini miranda, and tells me he'll have a process server out to my house today (I work from home, these fools weren't here today). I said "bring it. Just be advised, there are 3 cops that live on my road." and he hangs up on me. So, I called magistrates office (which I should have done yesterday) to find out what's up with these jokesters. Magistrates office says that yes, if there were a matter, they would have it, but 1) no one by julie velez works for them and 2) there is no summons for me to appear in court and 3) there is no warrant for my arrest. I was IMMEDIATELY on the phone with the Attorney General's office and have already filed a complaint with the FTC. So...thanks guys for unknowingly being my advice and support throughout the day. Greatly appreciated.

Good! The more people respond like this, the closer the day will be when they won't even bother to use these tactics. I just laugh at them...I still every now and then get a call like this, but they are so hard to identify if I am not busy I will just sit and laugh and heckle them...really annoys them to no end.....just earlier today I got one and I swear they must have recognized my voice because just before they hung up, I heard "It's her".....LOL !!!!!

HAHAHA!!! I have to go through training about twice a year on FDCPA and FCRA and a bazillion other financial mumbo jumbo federal guideline training courses. I know these things like the back of my hand. I just LOVE it when they fail to read my mini-miranda - I get their supervisor on the phone and say "hey, you know if you play the recording back, you can see that your rep failed to read my mini miranda. do you want to pay me the $1000 fine now, or would you just rather use it to pay the debt?" they shut up real quick like and things go away.

Yes, that is a tried and true method. In my state, Texas, we are a one party state so may record any and all calls which I happily do. I recorded one particular call and then called the company back and let the supervisor listen to the call and then informed him I would be suing them and to have a nice day......they couldn't drop the account fast enough.

We should call them and tell them pay $1000.00 or be served with criminal charges....ain't no fun when the rabbit got the gun huh

So I get a call from my ex-sister in law that says this BAM group called her number (different state) and says they need address verification to serve papers. I check my voice mail tonight, same call from same name. They said both my name and my ex's, but they one on my phone accidentally used my ex's given name (which he does not go by) and then corrected it to the name he uses. They said we both have several debts adding up and this is our last chance to contact them. I have never, ever written a check to a check cashing place, but I know my ex has, as other collection agencies have called referring to bad checks. Now what??

Teec, I'm still waiting on these idiots to show up at my house. I say bring it. If you didnt have debt with them, your number may be the last known number they had for him and they may be trying to scare YOU into paying HIS debt ('tis how they make money - you should have heard the voice mail they left on my mom's answering machine!!). Tell them to send you a 5 day letter and ask for their mailing address so you can dispute the debt. I am almost willing to guarantee they wont send the letter OR give you the address. They legally cannot make threats and they are required by law to send you a letter within 5 days of initial contact. You then have 30 days to dispute the debt and they can't so much as think about calling you for debt collection purposes during that time. DO NOT delete the voice mail. Save it for playback/documentation should you file a complaint with your state's attorney general's office (who will investigate it). Also, file one with the FTC.

well i just got a call from jessica jones. telling me that she has a court summon but in not able to serve them right at the time. First of she didn;t say what company she was calling from. she didn't leave a number that i could call her back at. she just left me 866-318-2970. I looked at the bbb report and it showed ban group out of arizona. She didn't tell me what company is suing me either. I am from texas. What should i do?