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JHS Marketing – One good way of dealing with them

Submitted by on Thu, 05/21/2009 - 09:07
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If you have a payday loan with this company - used to be TJF or Bahamas Mktg. group and they have taken continual extensions on your loan OVER what you initially owed as re-payment, call them at 866-584-3418! They will as a "courtesy" consider your loan "paid in full." Basically, they can't take extensions out over a substantial time period if the loan amt. is paid off through the amt. of extensions they've pulled from your bank account.

Good luck!


Please if you have paid them $810 then you seriously need to secure your bank account. That is the only way to ensure they will stop taking money :?

refunds are rare with these offshore lenders. However, it does not hurt to try for it.


Submitted by Cool_Abyss on Thu, 05/21/2009 - 09:34

Cool_Abyss

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I closed my account on the 15th and have sent my ach revoke letters haven't heard from any of my 3 pdl as of yet but waiting. I just figured it never hurts to ask.


Submitted by hele3121 on Thu, 05/21/2009 - 09:38

hele3121

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Is jhs marketing (bahamas) group affiliated with sandpoint capital?


Submitted by on Thu, 05/21/2009 - 10:36

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you can find out if you call the number i listed above. You can check the number from jhs marketing website. also you can find out if lenders are legally lending in your state by going to your state's website and searching on lending companies that are licensed in your state.

Get your payments stopped if you've paid $810. they legally are not allowed to continue to collect, but they will unless you call and tell them to take the whole amt. out on the next paydate...that is their loophole, they'll collect the $60 extension for as long as you do nothing. when I called, she said "you needed to call and request a payoff. well, i had called and told them in Dec. that I wanted them to stop debiting my acct. as they had more than what i owed them at that point." she tried to make me feel like it was my fault but what they are doing is using a loophole in the laws to continue to make tons of money!

call now. i didnt' have to close my acct. i documented my conversation with the woman and had spoken with someone in my state re: the laws and told her that if they didn't stop I would pursue legal action in the form of a class action suit. that is when she told me she'd stop taking money as a "courtesy" to me. ha.


Submitted by on Thu, 05/21/2009 - 10:54

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Does anyone have jhs marketing address or fax number on these people? I have a loan with them and want to send them something in writing. thanks


Submitted by on Tue, 06/16/2009 - 09:26

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I hve paid over $1500 over in repayment on a $300 loan. just called the number above and viola... "paid in full" . I am so happy! But I am doubting it is true at the moment... it is almost too good to be true. Crossing my fingers.
If it is legit.. THANK YOU THANK YOU THANK YOU.. to the person who posted the info!!


Submitted by on Thu, 07/30/2009 - 08:42

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For everyones' sakes I hope that your accounts ARE marked "paid in full." However, if we're talking about offshore PDL's, I'd still view anything they say with a healthy amount of skepticism and caution.


Submitted by on Thu, 07/30/2009 - 09:29

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Quote:

I hve paid over $1500 over in repayment on a $300 loan. just called the number above and viola... "paid in full" . I am so happy! But I am doubting it is true at the moment... it is almost too good to be true. Crossing my fingers.
If it is legit.. THANK YOU THANK YOU THANK YOU.. to the person who posted the info!!
Please make sure you get a written agreement stating the loan has been marked "PIF". A verbal agreement is as good as a invisible ink! Also I suggest monitoring your bank account if you have not already closed it.


Submitted by Cool_Abyss on Thu, 07/30/2009 - 09:37

Cool_Abyss

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Does this apply for all states...I live in NJ? Is it still illegal for them to continue taking the $ over the amount that you owe in NJ? Are they a scam?


Submitted by on Thu, 08/06/2009 - 09:05

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Recently I found out that my friend has really bad credit and that she owes money to these fly by night predator cash lenders such as JHS, JTF, BMG, Bahama Mktg, Direct Mediators, or whatever they go by at the moment. We received a phone call from someone at Direct Mediators trying to collect nearly $500 on the original loan claiming that she hadn't paid them a thing. It turns out that Direct Mediators claim they bought her debt from JHS and want their money. They have threatened to go after her wages to get their money. She has paid her loan off nearly 5 times over and she can not afford to lose any more money. She is a single mother of 3 children and is already in debt enough with legitimate lenders. It turns out she has already paid them $1700 on the original loan of $350 and she has the bank records to prove it. She had originally given them her bank credentials and closed the bank account on my request when I realized that they were scamming her. Actually, scamming and stealing from her. We also believe that JHS was using her bank credentials to withdraw money from her account using other company names. There is no other way for someone to have gotten her bank credentials and taken her money. Coincidently, these unauthorized transactions began soon after giving JHS her bank credentials. Is jhs marketing a legal payday loan company?

She hasn't received any correspondences from JHS and attempts to contact them are futile. Not once once she informed that her account had been sold and that she had a new contact. She called the number listed in this thread and was refused any attempt at settling her account or even speaking with anyone. Does any one recommend a next course of action? BBB? Seems like they are having troubles contact them also. State Reps, senators, anyone?


Submitted by on Tue, 10/06/2009 - 10:28

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Does the State you and your friend live in have any kind of financial regulatory agency? Might be worth contacting them, see what they say. (not necessarily a banking agency, but a state agency which handles all kinds of financial regs). Although if the PDLs reps. are located overseas, I can't realistically see what any legislative agency in the US could do... couldn't hurt to try, though.


Submitted by on Tue, 10/06/2009 - 10:56

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We are from Massachusetts and she did close the account about a month ago. Today I spoke with the DAs office and the Div. of Banks and Loans (in MA) and they recommended filing complaints in both MA and federally with the FTC (whom works with the FBI) investigating companies like this. We are in the process of filing with the state of Massachusetts and will file with the FTC tomorrow. I called Direct Mediators today and they would not give me their license # and eventually agreed to drop the claim and send it back to JHS Marketing. The whole thing is fishy because both sides claimed they owned the loan and both claimed they did not own it. I spoke with 3 people at Direct Mediators who first claimed to be a collection agency, then claimed they were not one but actually owned the loan. The very next call they denied that they owned it that they were simply trying to act as a mediator. 20 minutes later a different person gave me two contradicting accounts. So, to make a long story short, Direct Mediators said they will drop the claim and that we now have to deal with JHS. The only problem is that JHS won't talk to us because they claim they don't own the loan anymore and that Direct Mediators do. It is kind of obvious to me that JHS and Direct Mediators are one and the same but at least DM agreed to drop it. One down, one to go.

For anyone else having issues with any of these companies I would definitely recommend you contact your state's Division of Banks and Loans to see if a questionable company is licensed to do business in your state. Ask them for their license # and see what they say. It should not be an issue for them to provide it to you. In MA, debt collectors are assigned a license # such as DCnnnn and lenders a # such as MLnnnn (Massachusetts Lender). Do what you can with the State Gov't first and then file a complaint with the Federal Trade Commission (FTC). They investigate fraudulent companies and share the information with the FBI.

My friend had paid $1700 after 9 months on a $350 loan and I don't care how they paint the picture...it's fraud and theft. They are praying on some really desperate people that are just trying to make ends meet so that they can pay their rent or feed their kids. It has to stop. The gov't has to start going after these people.

Also, please don't give your bank information to anyone, unless you know that the company you are borrowing money from is a legitimate and reputable organization. Ask them up front for their license # and do some investigating of your own to see if they are legit. Contact the appropriate state and federal agencies if you are being harassed. They will listen to you. Also, to repeat what someone said earlier in this thread...make sure you get it in writing that your account has been closed.

I'll post more tomorrow.


Submitted by on Tue, 10/06/2009 - 16:22

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Anonymous, you are 'spot on!' The more public officials you contact, the more information you receive, the better it is for you. I'd also recommend keeping a log of phone calls, e-mails, and correspondence you get and send to the PDL's, government agencies, and collection agencies, for your own records. Keep us posted!!


Submitted by on Wed, 10/07/2009 - 07:30

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(continued)

I spoke with JHS Marketing today and they claim that they do not have the account anymore that they sold it to iCollect for collection...even though it had been paid off. When I asked them for their license number to operate in the state of massachusetts, the person started to speak very quickly and then hung up on me. So here is what we have, two companies (possibly three) that are doing business in our state without a license to do so. What this means is that most likely people who borrow from these companies that aren't licensed are not obligated to pay them back. Not sure about this but it sounds possible.

So, now we have too companies that say they have washed their hands of this and none of them willing to send us any documentation to say the loan is closed and paid in full. I've been urged by the State of Massachusett's Division of Banks and Loans to file complaints with both the DAs office and the Federal Trade Commision and name JHS (and all of their other known business names), iCollect, and Direct Mediator.

I'll post again if anything comes of this.


Submitted by on Wed, 10/07/2009 - 13:26

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I called them on 10/12/09 to see it they received my fay for a change of account # Chuck HE said that they dedit it out of the old account no call no try the new account number now it's in collection What happen DON'T GO WITH THIS JHS RIP OFF.


Submitted by on Wed, 10/21/2009 - 09:33

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I tried e-mailing them a couple times and told them I saw that their company was a scam (c'mon, 3 different names?) and the guy who e-mailed me back was such a d-bag and nasty as heck. Also, my loan was for $150 and nowit has been a year and still, $45 is withdrawn every 2 weeks like clockwork. I cant close my account because of another payday loan that I never applied for that screwed up my other checking and was illegally takin money. and now, I think JHS sold my social to some scam comapny who has been calling my job saying they were gonna arrest me (which was supposed to happen yesterday) I got a bunch of red tape right now and had to go thru a bunch pf complaint filing. I am about to get this compnay too.


Submitted by on Wed, 10/21/2009 - 10:51

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O crap, lieterally SECONDS after I e-mailed them and posted my last comment on here, this is the e-mail I received from JHS:

" Due to your excellent payment history we are considering your loan with JHS Marketing paid in full.


Thank You,
JHS Marketing"

What are the odds of that. I am gonna make damn sure I hold onto this e-mail and I want to make sure they stop debiting my account!


Submitted by on Wed, 10/21/2009 - 10:54

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Quote:

Originally Posted by Anonymous
O crap, lieterally SECONDS after I e-mailed them and posted my last comment on here, this is the e-mail I received from JHS:
" Due to your excellent payment history we are considering your loan with JHS Marketing paid in full.
Thank You,
JHS Marketing"
What are the odds of that. I am gonna make damn sure I hold onto this e-mail and I want to make sure they stop debiting my account!


Wahooooo!


Submitted by Shazzers on Wed, 10/21/2009 - 12:11

Shazzers

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Quote:

Originally Posted by Cool_Abyss
Please make sure you get a written agreement stating the loan has been marked "PIF". A verbal agreement is as good as a invisible ink! Also I suggest monitoring your bank account if you have not already closed it.




THEY WILL NOT GIVE ME A WRITTEN COPY SAYING PAID IN FULL. I saveed my e-mail stating it. I am FIGHTING with CHUCK from JHS/BMG as we speak about giving me paperwork that by LAW I am entitled to. I e-mailed them yesterday to aske them about loan info and why I have had the loan 2 years and they are still taking 90 bucks out a month and they replied that my account was PIF. I emailed them agin asking for information and CHUCK, a very SNIDE A**hole is giving me a hard time. So I am giving him one right back. SCAM ARTISTS!


Submitted by on Thu, 10/22/2009 - 12:11

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Hello,
Who ever posted this thank you so much. I was looking for their number and came across your information. I have been paying this account for over 4 months now. I call them and they are going to close out my accout as a courtesy as paid in full. Thank you I did not know how I was going to get this all paid off.


Submitted by on Wed, 08/18/2010 - 12:38

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Did not work for me.. They said they would let me pay the full amount of $200 without charging me the finance charge of $76... Dont know what to do!! I've paid them back just on interest over $500. !!
Quote:

Originally Posted by anonymous
if you have a loan with this company - used to be tjf or bahamas mktg. Group and they have taken continual extensions on your loan over what you initially owed as re-payment, call them at 866-584-3418! They will as a "courtesy" consider your loan "paid in full." basically, they can't take extensions out over a substantial time period if the loan amt. Is paid off through the amt. Of extensions they've pulled from your bank account.
Good luck!


Submitted by on Wed, 09/08/2010 - 17:32

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Quote:

Originally Posted by Anonymous
Did not work for me.. They said they would let me pay the full amount of $200 without charging me the finance charge of $76... Dont know what to do!! I've paid them back just on interest over $500. !!


well then close your account,and file AG,FTC,and BBB complaints against this illegal lender.do not let them get anymore as you have overpaid by over 300.00.they are illegal,and will debit forever if you allow it.stop thei access to your account and file the complaints.that will get their attention.


Submitted by paulmergel on Wed, 09/08/2010 - 19:24

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I just called the jhs marketing number and I asked when I opened an account he said june 30 2010 on a 300.00 loan aand he said I still owe 300 they just take 90.00 every 2 weeks from my bank account I explained to him to do the math I have already pd 1080.00 this is not right is there anyone who could help me.


Submitted by on Wed, 01/12/2011 - 06:14

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well since this is an illegal out of the country ipdl.you not only don't owe,but they owe you.go to the sticky titled DEALING WITH ILLEGAL LENDERS at the top of this forum.it will guide you every step,but follow it completely.i willadvise you close your current account and open a new one as again they more than made their money,and being illegal they are only entitled to the principle meaning you way overpaid.close that account.go to the sticky,and we can advise,or answer anything further from there.


Submitted by paulmergel on Wed, 01/12/2011 - 06:27

paulmergel

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This JHS marketing company was the first comapny that I did an online loan with it seemed like a god send at the time because i was in a crunch. I thought the loan was paid back in full From 9/10. Today however I get a frantic call from my 16 year old daughter who was at school saying that I had two charges against me and a warrent for my arrest. Number one I dont know how they got her cell phone number and I am a nurse so they told her my job was in jeopardy. Needless to say I called the number which is suppose to be some sort of law firm they afford me a hardship of 500 off a 300 dollar loan after teling them I had bank records and that they threatened a 16 year old child I am getting an email for a paid in full balance apology and a letter to all three credit bureaus. These loans seem like a god send but they end up being a nightmare that you dont even realize. So good luck to everyone and please do not continue paying those ridiculous fees most states have a regulatory agency that do not allow such things to go on but you do have to contact them.:confused::sad:


Submitted by on Thu, 02/10/2011 - 15:17

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Gotten several calls from someone who is serving me papers for this amount. I called the 888# & asked for a debt verification & they said they would email this to me but if someone serves me between now & 8 minutes out, that it'll be dealt w/ in court. These guys are bottom feeder scumbags.


Submitted by on Tue, 05/10/2011 - 11:14

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I received 2 responses stating that " as a result of a settlement offer, my account with JHS Marketing, is considered paid in full"
Does this mean they are going to send this to collection?? Or is it really paid in full. If anyone has received an email like this please respond.


Submitted by on Wed, 07/25/2012 - 07:57

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For one if they say they are going to get you for fraud or they are going to garnish your wages they cant. They knew when you got the loan that you didnt have the money to begin with. Most of these are illegal so you dont have to pay it back this is coming from a lawyer


Submitted by on Wed, 09/19/2012 - 07:23

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After 3 years that I have settled this matter then JHS Marketing/ BAHAMAS thru the Atty General's Office. They try to sell the loan to another company in BC, Canada and said that I will be served a summon for civil case.
The company refused to give us a settlement statement.
All these company is not licensed to do business in MA, which the Atty General's Office say they have to stop this transaction and considered fully paid after having paid $1200 for a $300 loan.
What other thing you have done to get away from the threat from these companies trying to collect?


Submitted by on Tue, 09/25/2012 - 12:44

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Would like to know what should I do they said PR & Associates own the loan and now threatening to send a summon to me for a civil case re a loan thru JHS Marketing. Did you ever get the summons?


Submitted by on Tue, 09/25/2012 - 12:48

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