logo

Debtconsolidationcare.com - the USA consumer forum

Forums
  • Latest topic

VIPLoanshop & PDM Associates

Date: Mon, 01/18/2010 - 22:22

Submitted by Jasgal
on Mon, 01/18/2010 - 22:22

Posts: 399 Credits: [Donate]

Total Replies: 41


Well tomorrow my letters and complaints are going out against VIPLoanshop & PDM Associates who have called me telling me I have to pay the a payment on the 22nd or else. I have stated to them 2 times to not call my work number. I have a Debt Validation letter for PDM since I have been told they are a 3rd party collection agency. Right now they are saying I owe $809 on a $600 loan that I have paid $1202. So my plan is to send my letters by e-mail and mail with return receipt. Should I file complaints against PDM with FTC, BBB and AG, or do I wait for their response? I am also sending VIPLoanshop copies of everything I am sending to PDM. According to me this loan is PIF and really I should ask for a refund. Any other suggestions that I may be missing would be great. Thank you... Oh and I forgot I found out that the MO AG has filed suite against PDM for collection practices, should I file a complaint with them too? UGH sorry so winded.


Quote:

Originally Posted by Jasgal
Well tomorrow my letters and complaints are going out against VIPLoanshop & PDM Associates who have called me telling me I have to pay the a payment on the 22nd or else. I have stated to them 2 times to not call my work number. I have a Debt Validation letter for PDM since I have been told they are a 3rd party collection agency. Right now they are saying I owe $809 on a $600 loan that I have paid $1202. So my plan is to send my letters by e-mail and mail with return receipt. Should I file complaints against PDM with FTC, BBB and AG, or do I wait for their response? I am also sending VIPLoanshop copies of everything I am sending to PDM. According to me this loan is PIF and really I should ask for a refund. Any other suggestions that I may be missing would be great. Thank you... Oh and I forgot I found out that the MO AG has filed suite against PDM for collection practices, should I file a complaint with them too? UGH sorry so winded.


i would file the complaints.PDM is a true bottomfeeder,and most likely will continue the illegalities after receiving the letter.also it won't hurt to file a complaint with the MO AG as well.always file complaints along with sending the letters.


lrhall41

Submitted by paulmergel on Tue, 01/19/2010 - 05:12

( Posts: 15514 | Credits: )


PDM are truly nasty. They called me yesterday and when I started telling that they're collecting on an illegal loan and that in Maryland such practices are prohibited, that lady got so mad, she started yelling that I'm going to be charged for fraud and then she hung up on me!


lrhall41

Submitted by on Tue, 01/19/2010 - 08:12

( Posts: | Credits: )


Filed my complaint with the MO AG, and letters are going out today to any address I could find. UGHHHH I know I am going to make them really mad on friday when they dont get a call from me paying them money. I think if they call my work again I will remind them about the article I read about the Mo AG filing a complaint agaisnt them. I will keep everyone posted and if anyone has any suggestions in regards to these guys please let me know.


lrhall41

Submitted by Jasgal on Tue, 01/19/2010 - 13:42

( Posts: 399 | Credits: )


Ok, I need some support here, kind of nervous right now. Tomorrow is the day that this collection company told me I have to make a payment to them for VIPLoanshop. But I am not going to be making this payment since I over paid. I have mailed out all my letters and also filed complaints. 1) Do I call them and tell them I will not be making any payments and I want a debt validation? 2) Should I just leave it be and wait for them to call? they have been calling my work even though I have told them not to.

I am stressing out today. I know I should be stronger but not feeling strong on this one.

Thank you


lrhall41

Submitted by Jasgal on Thu, 01/21/2010 - 09:23

( Posts: 399 | Credits: )


Quote:

Originally Posted by Jasgal
Ok, I need some support here, kind of nervous right now. Tomorrow is the day that this collection company told me I have to make a payment to them for VIPLoanshop. But I am not going to be making this payment since I over paid. I have mailed out all my letters and also filed complaints. 1) Do I call them and tell them I will not be making any payments and I want a debt validation? 2) Should I just leave it be and wait for them to call? they have been calling my work even though I have told them not to.
I am stressing out today. I know I should be stronger but not feeling strong on this one.
Thank you


Let them live in limbo for awhile, they aren't worth your time and effort!


lrhall41

Submitted by Shazzers on Thu, 01/21/2010 - 09:27

( Posts: 17344 | Credits: )


Quote:

Originally Posted by Jasgal
Ok, I need some support here, kind of nervous right now. Tomorrow is the day that this collection company told me I have to make a payment to them for VIPLoanshop. But I am not going to be making this payment since I over paid. I have mailed out all my letters and also filed complaints. 1) Do I call them and tell them I will not be making any payments and I want a debt validation? 2) Should I just leave it be and wait for them to call? they have been calling my work even though I have told them not to.

I am stressing out today. I know I should be stronger but not feeling strong on this one.

Thank you


they have been calling your work?you shouldn't be stressing.you should be pissed as all get.you filed the complaints,and there is nothing they can do to you.do not talk to them unless you plan on scorching the earth with them.everyone who calls you is mutated grabage that needs to bully and threaten to make themselves feell better about their wasted lives.i know it's harsh,but i would rather empower you than placate bottomfeeding clowns.again do not even talk to them again until your AG complaints are satisfied.i would inform your AG of the fact that the mopes keep calling your job after sending the c&d letter.


lrhall41

Submitted by paulmergel on Thu, 01/21/2010 - 09:34

( Posts: 15514 | Credits: )


Thank you for all your help. I will just wait to hear from them. I have filed complaints with my state AG and thiers plus BBB, Dept. of Corp. and FTC. and yes they have called my work, on 1/4/10 and I told them not to and on 1/11/10 and told them again not to. Plus sent letters out waiting to see if they come back unable to deliver. The one lady on 1/11/10 told me she was calling my work as long as I did not pay. So yes I detailed that in my complaints.


lrhall41

Submitted by Jasgal on Thu, 01/21/2010 - 09:46

( Posts: 399 | Credits: )


I also filled complaint with BBB and ACA (The Association of Credit and Collection Professionals). PDM has been calling my job even though I sent them a debt validation letter, even though I asked them to stop calling.
Look what I found on PDM website : "Professional Debt Management is a privately held company founded on wholesome family values and conducts business with respect, dignity, and fairness. PDM specializes in the procurement of delinquent account receivables and help creditors liquidate these receivables through extensive training, innovation, automation and analytic"
If respect and fairness means treating clients with abusive language and threats...then I hope BBB and ACA will go after them.
I hope more of us complain against these people, maybe it will make a change!!


lrhall41

Submitted by on Thu, 01/21/2010 - 09:48

( Posts: | Credits: )


This is all the info I got on PDM:

Professional Debt Management, LLC
Salvatore J. Abbott, Manager
Salvatore J. Abbott, Ethics Contact
7007 NE Parvin Rd Ste 3
Kansas City, MO 64117-1532
Phone: (816) 423-8000
Fax: (816) 413-9000
ACA Member since 2009

[EMAIL="sabbott@pdmkc.com"]sabbott@pdmkc.com[/EMAIL]

I just noticed that PDM is an ACA member since 2009.
Jasgal, maybe it might help if you file a complaint with ACA too. All you have to do is fill in the claim and send it by e-mail. The more of us complain against these scumbags the better will be!


lrhall41

Submitted by on Thu, 01/21/2010 - 09:55

( Posts: | Credits: )


there are 2 companies out there with the same PDM name, one is Proffesional Debt Management and the other is Phoenix Debt Management Associates. so its hard to tell which one they really are. I found 2 address one a PO Box and the other is 7007 NE Parvin, not being positive which is which I sent to both address. If they are a legal collection agency they will respond within the law.


lrhall41

Submitted by Jasgal on Thu, 01/21/2010 - 09:58

( Posts: 399 | Credits: )


The Association of Credit and Collection Professionals

www.acainternational.org

I was just reading ACA code of ethics and it clearly says that members (like PDM) must
respond to complaints, must stop collection activities once they receive a debt validation request...in other words everything that PDM doesn't do


I noticed there are 2 PDM companies but the one that contacted me was PDM on 7007 NE Parvin. I am not sure but it's possible that the PO BOX was their old address and it's just one company after all?


lrhall41

Submitted by on Thu, 01/21/2010 - 10:33

( Posts: | Credits: )


Oh, I DID IT!!! my hands are shaking. They just called me (at work) from number 816-423-8000, and Mr Hanford tells me I need to pay tomorrow. I start off by telling him this is the 3rd time telling them not to call my work. And then I tell him i am practicing my rights and requesting he send me a validation of my debt. He tried to talk to me and I kept cutting him off and telling him I was practicing my rights and the law states he must prove my debt. He then asked to confirm my address to mail it to. so we will see if it comes. I stayed calm until I hung up. So then I told him I will deal with his company after he proves this is a valid debt and until then DONT CALL AGAIN!!!


lrhall41

Submitted by Jasgal on Thu, 01/21/2010 - 13:24

( Posts: 399 | Credits: )


Quote:

Originally Posted by Jasgal
Oh, I DID IT!!! my hands are shaking. They just called me (at work) from number 816-423-8000, and Mr Hanford tells me I need to pay tomorrow. I start off by telling him this is the 3rd time telling them not to call my work. And then I tell him i am practicing my rights and requesting he send me a validation of my debt. He tried to talk to me and I kept cutting him off and telling him I was practicing my rights and the law states he must prove my debt. He then asked to confirm my address to mail it to. so we will see if it comes. I stayed calm until I hung up. So then I told him I will deal with his company after he proves this is a valid debt and until then DONT CALL AGAIN!!!

YAY for you !!


lrhall41

Submitted by Shazzers on Thu, 01/21/2010 - 15:21

( Posts: 17344 | Credits: )


Jasgal, it looks like PDM has way too many addresses.

Thank you for contacting the Better Business Bureau (BBB) regarding your complaint.
Your complaint has been applied to the following business:
Professional Debt Management LLC
8118 NE US Highway 69
Pleasant Valley, MO 64068-8905
The case has been reviewed by one of our Complaint Specialists and has now been forwarded to the business for their response. Should you hear directly from the company and the complaint is resolved, please notify us immediately.

I wonder what's with this address..


lrhall41

Submitted by on Fri, 01/22/2010 - 06:53

( Posts: | Credits: )


I think they are running from the MO Attorney Generals office, I found a article from Aug 2009 saying that the AG was filing charges agaisnt them. You can google (PDM MO. Attorney General) and you should be able to find it. So with that in mind I filed a complaint with my AG in Calif and the one in MO. since last week I have file 2 sets of complaints, I figure I will do 1 a week til someone gets tired of me and does something.


lrhall41

Submitted by Jasgal on Fri, 01/22/2010 - 08:35

( Posts: 399 | Credits: )


[FONT=Arial][SIZE=2]Today I got this first e-mail from ACA:

RE: Ethics complaint filed against Professional Debt Management, LLC
[/SIZE][/FONT][FONT=Arial][SIZE=2]We are in receipt of the Ethics complaint you filed with ACA International. Under the Procedural Rules implementing the ACA Code of Ethics, the parties to the complaint are afforded thirty days to resolve the matter between themselves.
[/SIZE][/FONT]You should hear directly from this company, in writing, during the 30-day resolution process for the purpose of resolving your complaint, or from ACA with information the company provided to ACA regarding their resolution.[FONT=Arial][SIZE=2] [FONT=Arial][/FONT]Please let us know if you are able to resolve this matter directly with the company within the next thirty days. If we do not hear from you, we will assume the matter was resolved and close our file.

[FONT=Arial][/FONT]
[FONT=Arial][SIZE=2]PDM replied imediately to ACA e-mail claiming that "[/SIZE][/FONT][FONT=arial][COLOR=black][SIZE=2]I am unable to find this person by name or address in our collection system. There is no phone number listed for this account, so I am unable to searc[COLOR=#0000ff]h [/COLOR] by that or call this person directly. Please advise me on how to handle this situation going forward"

So I e-mailed ACA back with the account numbers PDM agents gave to me. How crazy is this? First they call me night and day and now they claim they're unable to find me??
[/SIZE][/COLOR][/FONT]
[/SIZE][/FONT]


lrhall41

Submitted by on Wed, 01/27/2010 - 18:44

( Posts: | Credits: )


[QUOTE=Anonymous;521680][FONT=Arial][SIZE=2]Today I got this first e-mail from ACA:
RE: Ethics complaint filed against Professional Debt Management, LLC
[/SIZE][/FONT][FONT=Arial][SIZE=2]We are in receipt of the Ethics complaint you filed with ACA International. Under the Procedural Rules implementing the ACA Code of Ethics, the parties to the complaint are afforded thirty days to resolve the matter between themselves.
[/SIZE][/FONT]You should hear directly from this company, in writing, during the 30-day resolution process for the purpose of resolving your complaint, or from ACA with information the company provided to ACA regarding their resolution.[FONT=Arial][SIZE=2] [FONT=Arial][/FONT]Please let us know if you are able to resolve this matter directly with the company within the next thirty days. If we do not hear from you, we will assume the matter was resolved and close our file.
[FONT=Arial][/FONT]
[FONT=Arial][SIZE=2]PDM replied imediately to ACA e-mail claiming that "[/SIZE][/FONT][FONT=arial][COLOR=black][SIZE=2]I am unable to find this person by name or address in our collection system. There is no phone number listed for this account, so I am unable to searc[COLOR=#0000ff]h [/COLOR] by that or call this person directly. Please advise me on how to handle this situation going forward"
So I e-mailed ACA back with the account numbers PDM agents gave to me. How crazy is this? First they call me night and day and now they claim they're unable to find me??
[/SIZE][/COLOR][/FONT]
[/SIZE][/FONT][/QUOTE]

lol I read the same thing not long ago from another poster.


lrhall41

Submitted by Shazzers on Wed, 01/27/2010 - 18:48

( Posts: 17344 | Credits: )


I mailed my complaint to ACA last week so I should be hear back too... I probly will get the same response. Oh they will remember me when I am done with them. Maybe the newspaper who ran the first article about the AG filing against them will want to see this response to their follow up. I was thinking that maybe one reason they would rather call our work numbers and not our cells is our cell phone bills will show their numbers calling us if we answer. We would have proof they are calling. Just a thought.


lrhall41

Submitted by Jasgal on Thu, 01/28/2010 - 08:55

( Posts: 399 | Credits: )


Thanks Shazzers, for a moment I was actually thinking that maybe I really don't exist in their collection system :)
Jasgal, I am so glad you also filed with ACA. What are they gonna do now, claim they can't find you either?
And they did call my cell phone a lot; only when I blocked them from calling me they started to call my work number


lrhall41

Submitted by on Thu, 01/28/2010 - 09:04

( Posts: | Credits: )


GOT GOOD NEWS!!!! I file my complaint with the BBB of MO and here is the response I got from PDM...

I closed this account in my system and sent it back to our client we will not attempt to call her again.

SO its sent back to VIPloanshop. I should be hearing from them soon. This is proof that everyone needs to file their complaints.


lrhall41

Submitted by Jasgal on Wed, 02/03/2010 - 07:49

( Posts: 399 | Credits: )


yay for you jasgal!
I am still waiting for a reply from BBB. That's all I got so far:

02/02/2010 NMBR-Resend Complaint to Business Follow Up
02/02/2010 NMBR- No response to first notice to business

Looks like PDM ppl take their time.
And I never heard anything more from ACA either.
I'll keep my fingers crossed!
The phonecalls stopped though and that's great!!!


lrhall41

Submitted by on Wed, 02/03/2010 - 14:05

( Posts: | Credits: )


ok i'm curious about all tis. my husband got called from a lawyer from wade drexler and associates. they said he owed 589.00 for a previous pay day loan that he defaulted on. he told them he thougt he already paid that ( cause he paid another lawyer for what he said was a pay day loan a few months ago) but this lawyer said that he didn't pay them and if my husband didn't pay today they would get him for fraud and he could go to jail so instead of my husband asking for more info on their company and on the account he gave them his debit card number and tey took out 300 dollars today and then the remainder in 2 weeks. is this legit? could they actually put him in jail and how would he go about finding out if he already paid it previously


lrhall41

Submitted by on Fri, 02/12/2010 - 17:17

( Posts: | Credits: )


Quote:

Originally Posted by Anonymous
ok i'm curious about all tis. my husband got called from a lawyer from wade drexler and associates. they said he owed 589.00 for a previous pay day loan that he defaulted on. he told them he thougt he already paid that ( cause he paid another lawyer for what he said was a pay day loan a few months ago) but this lawyer said that he didn't pay them and if my husband didn't pay today they would get him for fraud and he could go to jail so instead of my husband asking for more info on their company and on the account he gave them his debit card number and tey took out 300 dollars today and then the remainder in 2 weeks. is this legit? could they actually put him in jail and how would he go about finding out if he already paid it previously

No, it's a scam! If I were your husband I would go and close out that account asap, also, talk directly to the branch manager and ask if those charges be reversed because you were scammed into believing there was a debt owed but now you have discovered it's a scam! The thing is, if you leave that account opened it will never be safe again, now that this company has your personal account information it wouldn't surprise me if they share it with other illegal payday lenders and who knows who else!


lrhall41

Submitted by Shazzers on Fri, 02/12/2010 - 18:32

( Posts: 17344 | Credits: )


Well, PDM just messed up big time. They called me today my cell and work telling me I owe money, I then informed her that maybe she needs to keep up with her company cause I have letters from BBB and ACA stating my account is closed and they would not be contacting me again. HUM is this now a legal issue? I told her I will be forwarding my complaints again and I will be attaching the notice that that made. And she was dumb enought to leave a voice mail so I have recorded proof they called. I am going to send out another round of complaints. Not going to put up with their bully staff.


lrhall41

Submitted by Jasgal on Mon, 02/15/2010 - 12:51

( Posts: 399 | Credits: )


Quote:

Originally Posted by Jasgal
Well, PDM just messed up big time. They called me today my cell and work telling me I owe money, I then informed her that maybe she needs to keep up with her company cause I have letters from BBB and ACA stating my account is closed and they would not be contacting me again. HUM is this now a legal issue? I told her I will be forwarding my complaints again and I will be attaching the notice that that made. And she was dumb enought to leave a voice mail so I have recorded proof they called. I am going to send out another round of complaints. Not going to put up with their bully staff.


Good for you, I am so glad you are following through!


lrhall41

Submitted by Shazzers on Mon, 02/15/2010 - 15:26

( Posts: 17344 | Credits: )


Quote:

Originally Posted by jasgal
well tomorrow my letters and complaints are going out against viploanshop & pdm associates who have called me telling me i have to pay the a payment on the 22nd or else. I have stated to them 2 times to not call my work number. I have a debt validation letter for pdm since i have been told they are a 3rd party collection agency. Right now they are saying i owe $809 on a $600 loan that i have paid $1202. So my plan is to send my letters by e-mail and mail with return receipt. Should i file complaints against pdm with ftc, bbb and ag, or do i wait for their response? I am also sending viploanshop copies of everything i am sending to pdm. According to me this loan is pif and really i should ask for a refund. Any other suggestions that i may be missing would be great. Thank you... Oh and i forgot i found out that the mo ag has filed suite against pdm for collection practices, should i file a complaint with them too? Ugh sorry so winded.


they keep calling my work too after i told them not too...they will not provide me in writing what and if i owe anything...they are unreal


lrhall41

Submitted by on Thu, 04/08/2010 - 09:58

( Posts: | Credits: )


Hi this is ray i got a call from pdm telling me that i need to call them about a very serious matter and i don't know who they are until i seen this forum and i seen what i need to do i do hope that all that you guys have done has stopped them from calling you at work and home. Thanks for all of this advice on what to do against PDM and others like them.


lrhall41

Submitted by on Fri, 08/20/2010 - 07:02

( Posts: | Credits: )


hey guys i got the same problem with the vip loan colectors i over paid my loan and i dont want to keep giving them my money can you help me out of how to filed a complain


lrhall41

Submitted by on Mon, 11/15/2010 - 18:22

( Posts: | Credits: )


Quote:


hey guys i got the same problem with the vip loan colectors i over paid my loan and i dont want to keep giving them my money can you help me out of how to filed a complain


What is the name of the collector, is it a collection agency? You can file complaints with your state attorney general (just google it), the BBB and the FTC.


lrhall41

Submitted by Shazzers on Mon, 11/15/2010 - 18:24

( Posts: 17344 | Credits: )