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I live in CT and here's what I have (all internet):

Sagamore Inc: Original Loan $250; pd so far: $300

United Cash Loans: Original Loan: $300; pd so far: $180

Ameriloan: original loan: $300; pd so far: $180

Impact Cash: original loan: $200; pd so far: $60

Premier: orignial loan: $300; pd so far: $180


I know that all of my loans are fairly new, but I want to know what I can do before this goes to far. I already feel as though I am in over my head and I don't know what to do. Any insight would be much appreciated.

Thank you!
Sara




Ok, account has been closed, and I faxed the letters revoking ACH authorization to all companies. I received phone calls from two of them but I did not speak to them as I do not really know what I should and shouldn't say and how to proceed with them. What are the next steps I should be taking?

Thanks so much!
Sara

Sub: #21 posted on Mon, 11/05/2007 - 11:14

sara250183 sara250183

(Posts: 21 | Credits: )

Ok, account has been closed, and I faxed the letters revoking ACH authorization to all companies. I received phone calls from two of them but I did not speak to them as I do not really know what I should and shouldn't say and how to proceed with them. What are the next steps I should be taking?

Thanks so much!
Sara

Sub: #22 posted on Mon, 11/05/2007 - 11:14

sara250183 sara250183

(Posts: 21 | Credits: )

sara, you faxed all your pdls letter revoking their debit authorization, correct? Is that all it said? I'm only asking because we have a letter to send to these illegal pdls that states that plus a lot of other info such as your state laws, they are illegal, not to contact you via telephone, etc. Do you need a copy of this letter? Also, you will need to file complaints against each of these pdls with the BBB, the FTC, and your state AG.

Sub: #23 posted on Mon, 11/05/2007 - 12:18

cannr cannr

(Posts: 9317 | Credits: )

The faxed letter just revoked the right to ACH my account. If you could provide me with a copy of the letter, that would be great. I don't mean to sound like a complete moron here, but how do I go about filing complaints? I've never had to deal with anything like this before...

I was also curious, with the companies that consolidate pdl debt (I think I saw that Langhorne was one), how do you go about that when the state in which you reside prohibits pdls? Do they try to settle on the principle amount? I don't know if anyone even knows, but just figured I'd see if anyone had any ideas there...

Thanks again.

Sub: #24 posted on Mon, 11/05/2007 - 12:22

sara250183 sara250183

(Posts: 21 | Credits: )

The faxed letter just revoked the right to ACH my account. If you could provide me with a copy of the letter, that would be great. I don't mean to sound like a complete moron here, but how do I go about filing complaints? I've never had to deal with anything like this before...

I was also curious, with the companies that consolidate pdl debt (I think I saw that Langhorne was one), how do you go about that when the state in which you reside prohibits pdls? Do they try to settle on the principle amount? I don't know if anyone even knows, but just figured I'd see if anyone had any ideas there...

Thanks again.

Sub: #25 posted on Mon, 11/05/2007 - 12:22

sara250183 sara250183

(Posts: 21 | Credits: )

Okay, sarah. You are free to do a search regarding T&C or Langhorne regarding pdl help. However, personally, I don't see the need for you to pay a company to take care of pdls that are prohibited in your state. They are illegal. Now, we do advise to pay back the principle amount of the loan only. I mean, since you did receive the money and you did use the money, it's only right to pay back only what you did receive. However, others on here will tell you (and they are correct) that you don't have to pay them one red cent because they are illegal and can not legally collect the debt. Entirely up to you. However, I can pm you a letter to send to each of your pdls. And it covers everthing. It's especially good since it's based upon them being illegal, and they are in your state, as well as mine. So, I can do this. Also, we can look at your pdls again and see the exact dollar amounts and figure out where we stand. I will also go into how to go about filing complaints with the agencies. And don't feel like a moron! I had to have someone tell me every single step! LOL! Now, do you know how to use the "pm" feature? This is so we can send pm's to each other. Underneath my post will be a little button with two people on it that says "pm". Click on that. It'll come up with a page that will send a message directly to me. I can get your message, respond to it, and make sure you're picking it up okay and I can send you the letter through pm. Now, to get your pm's, just look to the side of your screen and you'll see where it says "You have X messages." It'll say 1 message. Click on that. It'll take you to your messages. Click on the message and you can read it. Want to try it and see if it works so I can send you the letter? Go ahead and click on the pm button under my post and send me a "test" message. I'll respond, see if you get it, and then we'll be on a roll! :wink:

Sub: #26 posted on Mon, 11/05/2007 - 12:31

cannr cannr

(Posts: 9317 | Credits: )

i hit the button.... brought me to a message screen.... typed my message and hit submit... i don't know if it worked???

Sub: #27 posted on Mon, 11/05/2007 - 12:36

sara250183 sara250183

(Posts: 21 | Credits: )

sara, I didn't get anything. Hang on. I'm going to send you one, okay? Check in just a minute to see if you have a message.

Sub: #28 posted on Mon, 11/05/2007 - 13:16

cannr cannr

(Posts: 9317 | Credits: )

sara, if you have any questions at all, just post or pm me! Either way is fine! :wink:

Sub: #29 posted on Mon, 11/05/2007 - 13:39

cannr cannr

(Posts: 9317 | Credits: )

sara,

I did a search for Sagamore Group. I found some information; however, apparently this is some bogus company (so I'm sure it's illegal). I'm posting everything I found regarding it. If anyone else has input as to information for Sagamore Group, please post it!

Apparently they go by Sagamore Group and also B&B Processing. I found one address for Sagamore Group on the BBB; however, can't be sure it's them. I did a phone number search and it's not on the BBB site at all. This is where you begin to think ILLEGAL. Anyway, I'm posting it all.

The Sagamore Group
PO Box 344
Medfield, MA 02052 (May not even be them)

B&B Processing
PO Box 1552
Enka, NC 28728 (May not even be them)

Phone numbers posted:

Phone: 1-877-287-3428
Fax: 1-877-287-3429
Another phone number posted was: 1-913-338-0624

I did find a post stating that "Andrea Sagamore" is the contact person at Sagamore. There was an email posted for her of: andrea(at)sagamorecorp.com

As you can see, this one might be a hard one to find an actual address for unless someone here on the forum has dealt with them. I'm hoping they will come along and have an address.

In the meantime, you can fax and email to them at least. If I find any more information, I'll post it. :wink:

Sub: #30 posted on Mon, 11/05/2007 - 16:33

cannr cannr

(Posts: 9317 | Credits: )

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