Need contact info for SJM Marketing and Premier Processing

Yes, i am glad to know i am not alone in this scam. I have had them ,sjm take out$60.00 a month forever. There was one time in the begining they took, $164.50 i am going to notify ftc, bbb, and any one else i can think of. Any more news please email me

email address removed as per forum rules - Vikas

JUDY,

Call SJM Marketing at 1-866-722-2770 and inquire about this debit. You can also take the help of your bank and dispute with the company on this item. The company must give a valid reason of this debit made or else they will have to credit the money back to your account.

Dustin at 1-866-722-2770 was extremely helpful and understanding. He returned my call within the hour. Please give him an opportunity to help you as well!

I have tried to be as helpful as possible, I have responded to this forum several times.I am going to reply to this forum for the last time.
If you have an account with us WE CAN BE REACHED AT TOLL FREE 1-866-722-2770 OR BY FAX AT 1-866-599-5161, OR EMAIL AT INFO(at)PLATINUMBSERVICES.COM.
If your account has been sent to 3rd party collections, it is because YOU defaulted on your account, WE CANNOT HELP YOU. If you had read your contracts before entering into the agreement you would understand this.
If you need to schedule a payoff or paydown please call us at the above number to schedule this as soon as possible. If you need a copy of your original paperwork you can call and request them.
We are NOT located in Florida, Texas, or any other state that has been listed. CLOSING YOUR ACCOUNT WILL NOT HELP. IT WILL ONLY MAKE THINGS WORSE. The same goes for STOP PAYMENTS and REVOKED AUTHORIZATION.
If you need advice or help with your loan CALL US. We understand that people get strapped for cash from time to time. That is why we are here. We are not here to scam you, rip you off, steal your money. We do pride ourselves on customer service, we are here to help. Now, with that being said we have paperwork that we must follow. We have company policy and protocol to comply with. We leave it up to our customers to take control of their own account. If you are refinanced, it is b/c of what your paperwork states.
If you have problems of any sort with your account, just simply call us.

Yours Truly,

The Staff
SJM Marketing/Platinum B Services

I have trying to pay off this account but I cannot contact them I have been paying 90.00 a month for almost a year now on a 300.00 loan. Someone please get back to me. Nancy McCollister

email address removed as per forum rules - Vikas

Nancy, SJM Marketing can be reached at 1-866-722-2770. Call them and know the latest standing of your account. Do you have the payment receipts made to this company? This will prove that you have been paying them regularly on a $300 loan.

I am assuming that your account has not been sent to any outside collection agency as because you have been regular with your bills. Contact SJM marketing and get an itemized statement from them. After you have reviewed each of items properly, make further payment arrangements.

I also have tried contacting SJM marketing and was doing so for the better part of February and March 2006. I received a $300 payday loan from you guys in September of 2005 and was being debited $60 bi-weekly until February of 2005 when your company double debited $60 within a matter of five days. Since then you guys have continued to try and draft funds from the accont and they were not there. I am now beig contacted by what I suppose is a third party collection agency threatening criminal action against me. The representative stated that they would pursue fraud and I believe theft by check charges against me. How can this be fraud when obviously there was intent to repay, thus the 5 months worth of payments. Also, how can you claim theft by check or whatever when you knew the funds weren't there to cover the check when it was written. Can someone who has some legal knowledge reply as to whether these charges are legal.

These are collection threats. Laws for check fraud are not applicable for post dated checks, because they are bad checks from the time of writing.

Someone from Platinum B has posted their comment on this board. You can check it. They have suggested speaking to them directly if you have any problem-

http://forums.debtcc.com/forums/before-duedate.html

Hi, The number for the SJM Marketing loan company is 866-722-2770.
Deborah

i applied on line and never accepted the loan the i noticed 300 dollars in my account and the say the called me and i accepted the loan on the phone have applied for several loans and 90.00 on 300 is a little high and have several loans for the same amount with less finance charge what to do

Call them back right away. There should be a contract that states you have at least 24 hours to decline the money...without any fees...

Yolanda, if you do not need the money in your account, you need to revert the transaction immediately or else you will catch up with the financial charges.

Call up the payday loan company and send a letter in writing that you want to return the money back.

this company has been taking money from my account since january. debiting twice a month 75.00. i need help!!!!

Hi Clarice,

Call the company and ask the reason of debiting the account. You must also send the information to your bank and request them to dispute the charges with them. The company will have to send their verification with the charges or else you will be able to claim your refund.

SJM Marketing can be reached at 1-866-722-2770, Fax 1-866-599-5161. You should call them up.

I contacted the company and they called me back. The man that called me back proceeded to explain that the money i have been paying is for a refinancing fee for the loan. That i haven't paid any money one the loan, and i am obligated to do so. I have made ten payments $75.00 each thats $750.oo on a $250.oo loan. Now i owe $325.00 plus the refinance charge of $75.00. This is a rip they are taking money. I never recieved any documents or recieve a phone call which the man said i did. Everything was done online i dont even remember signing for the loan. For anyone looking to to get a payday loan go into a payday place dont do it online because you will get ripped off. These people dont care if you have families to care of there taking food out of my babies mouths every month. The man told me " you just better make darn sure those funds are in the bank". I will pay them off then im reporting this to bbb. So everyone beware of paydays online you see them in your spam mailbox delete them right away.

Clarice, have you asked the bank to dispute with the company? I think your bank will be able to refund the money back.

Also, you need to file complaints with the BBB and the FTC as well as your state attorney general and request for immediate action.

The payday loan industry is very simple to understand. It is no different than borrowing money from any source. YOU ARE OBLIGATED TO PAY IT BACK. YOU WILL BE CHARGED INTEREST. YOU WILL INCUR FEES IF YOU DO NOT PAY IT. YOU ARE BOUND TO CERTAIN TERMS. If people would just pay attention to what they are signing up for, or READ the damn paperwork, they would not find themselves in trouble. LEARN IT !!!!

Goodness, Darryl. There's no reason for foul language, hon.
Are you an employee of a loan company, we sure would like to here your side and hopefully you'll post in a professional non threatening manner.

Hi Darryl

You have the right to say those words, provided you do it in the fair way. If you and your business are professional, I am sure you will put everything in writing and resolve the consumer complaints. Sad to say, many companies don't put the contract in writing. They just prey on signing the loan online that does not have a legal existence. I am sure you have also heard such cases, any comments on such issues. Be fair!

I have had $90.00 coming out of my account for 5 months or more. I have called SJM Marketing and left 2 messages and when I tried to send an e-mail, the e-mail address can not be found. I am going to my credit union today and have this dipusted.

I too had a payday loan with SJM. It took me a long time and a lot of fees to pay it off. The big difference apparently between me and all the other people here is that when I took the loan, it was made very clear to me that in order for the fees to stop and to get the loan paid off, I would have to call the toll free #. The guy initially reiterated that the ONLY way to pay off would be to call. Did I understand that and do I still want the loan. Why are you all picking on Darryl for expressing his opinion? It cannot be possible that I am the only person this was stated to. I will never again get a PDL.

I just sent a post that has been removed by you people. I guess you only keep what you want to hear.

I guess we are not allowed to put our experience here unless we are anti-payday loan. Which I am by the way. I was not agreeing with the payday loan company, just stating how it worked when I got my loan.

I am NOT a debt collector.

She,
Your post is still there (assuming it is the one you posted at 7:42 AM 6 May 2006), it is right above your post bashing us for deleting your post at7:50 AM 6 may 2006 (which we didn't). No, you do not have to be anti PDL and only say what people want to hear in this community. There are people who have had amicable dealings with PDL's, and I do encourage people not to focus on the negative.

However, I also caution that the use of PDL's should only be in emergency situations, and that people should fully read and understand not only the lenders disclosures, but also the governing State and Federal laws. Furthermore, I recommend that if people Find them in a situation where they have no other alternative, then they should deal with Store Front operation in their home town. Internet lenders should be avoided at all costs, as this undeniable protect your right under governing law.

I am basically having the same problems as everyone above with SJM Marketing. They have been debting my account for 2 years and I have tried to track them down as well as my bank with no success, I would like to pay them off.

Can someone help.

Thanks

Hi Fannie

How much is the total debt? Since you have already been paying since the last two years, you might have paid the total balance. Request for an itemized statement from SJM Marketing (1-866-722-2770) and get the present account status. If possible, close your checking account and open a new one. You will be able to stop them from making further debits in the future.

curlycarl,

Thank you so much, I will take your advice.

On 6/15/06, an individual receivedd a threatening call at his place of employment from someone by the name of Chris Raikes regarding a past due payday loan. Raikes said something about messages & OCR.

The following is the information given to him:

Raikes told the individual that he had violated the Federal Patriot Act and that he was in violation of fraud, internet fraud, theft by conversion, etc.

Chris Raikes advised that he had filed federal charges and had already contacted the Sheriff to advise them of this and that the sheriff would have papers and be arrested the following day, if this individual did not send a Money gram for $700.00.

Chris Raikes did not give a company name, a phone number but did give the following numbers 2006-259981 (said it was a federal court case number) and then #3567.

Also mentioned something about pre litigation and Jacksonville, FL.

Calls began again on Friday, 6/16/06, harrassing the receptionist, and was very rude, threatening her and then informed the receptionist that they needed her to give them the individual's home phone number, she needed to verify the home address and asked if she could identify the individual as they were coming to get him. These calls took place before the individual even arrived at work.

Once the individual got to work, the harassing calls began again and he talked to the 3 different people, they all gave phony names (felt is was the same person each time); gave call back numbers that were for "Kaiser" and phony. When he called these numbers back, the individual that answered had never heard of any of the 4 names that were given. One other note, one of the individuals impersonated an officer of the law and "mirandized" the individual.

We want a file number, case number, phone number for whomever this has been turned over to and cannot get one.

We have now turned this over to our local sheriff and they are going to try and investigate this company and have told us they will be filing criminal charges agains the impersonating company.

We have sent email to SJM marketing and made several phone calls and they refuse to reply to the email or give any information.

Has anyone else had this problem with harassment, being threatened?

Has anyone noticed that the guy from SJM Marketing would not disclose what state they are in? Cannot get a correct address for these people.

I just got a call today from pre-litigations. SMJ marketing has been taking 60 a month out of my account since may of 2005 I finally got tired of it and canceled my account. And just today I got the call that I would be detained for $340 if I didn't send it money grahm. They quoted the Martha Stewart Act to me and said I was in violation of that. I got all the info so I could send it.

Please send anyinformation you have on these people. I am working on getting this matter cleared up. I do not know what state your in but good luck. Please send information. Everyone on this site needs it.

I can't believe these people. So many people on here have been harrassed by this company. I too was quoted the Martha Stewart thing..LOL

They are absolutely horrible I paid 900.00 for 300.00 and they keep wanting more. I have had to file bankruptcy over this.

why Im beening draft from my bank acct. for what

I contacted the original creditor (Platinum B/SJM Marketing) and asked them who they send their collection accounts to. She told me I had to call this place name named I-Collect. So I called I-Collect and told them about the harrassing phone calls I received from Prelitigations. She told me that they(I-collect) own the debt but they use the company prelitigation to collect it. I then proceeded to tell her about their illegal tactics and harrassment. I also told her I am tired of arguing on the phone with them and that they won't give me any information. I also told her that if they wanted any money, they would have to fax something in writing over to my credit counselor. I told her that I refuse to make any more contact with prelitigation and that they better not call me anymore and that I have already reported them to the Florida Attorneys General and the FTC. I haven't heard from them since that conversation. I told my credit counselor to call me when she receives the fax, that was 4 weeks ago and she never called me.

It was a relief to know I was not the only one pulling my hair out trying to get a contact number. I don't understand why it is so hard for this so-called company not to put a contact number. Well, I guess taking money out of our accounts for months and months is how they make their money. If it was not for this website I don't know what I would've done. This was the only way I was able to get a phone number. My bank was not much help and did not even offer a trace, like one of you did. I just want to get them out of my hair!!!

I received a call this morning from Chris at United federal. He informed me that I was about to be prosecuted to the fullest extent of the law if i did not send them 820.00 by noon today. I told him that I could not afford to send them that but would be happy to make payment arrangements. He said no and I would be arrested. after doing some research, i found that this has happened to a lot of people. I called them back and asked for the origional creditors name. the address of united federal but they would not give me any information. they will not work with me on anything. what has the outcome been for you all dealing with these people?

Alissa,

Have you defaulted on any payday loans. If so which ones? When I got the phone call from these people, I went on and on with them until I think I got him frustrated that he spilled out the name of the original creditor. Of course none of us have been arrested. When I got the name of the original creditor, I immeidatly called them and asked who they turned my account over to. They gave me the name of the agency and it was not who called me. The collection agency they turned it over to was called
I-collect and when I called I-collect she said they used the United Federal/Pre-Litigation people to collect on there debt. I proceeded to tell her of their harrassing tactics and that it was illegal. I told her about the reporting I did with the attorney general and the FTC. I told her I was not going to send money to anybody who doesn't want to give me information. I told her that if they wanted any money from me they would have to deal with my Consumer Credit Counselor. I gave her the address and fax number to my counselor and told her I didn't want any more contact from her or the other company. Haven't heard from them since and it's been about a month.

You just have to take control of the situation and not let these people scare you.

I do not remember applying for this loan. I have no loan confirmation for this company. What do I do to make sure the money deposited in my account is returned to this company and I am not charged?

I have been getting these crazy call for months. This woman left a message, and said that she needed to speak to either me or my attorney. I finally spoke to her, and she read me some crap about my rights. She said that some papers would be sent to my home, and job. She said the balance on my account came to 820.00. For the amount I owed, and legal fees. I told her that I couldn't pay anything now. She told me to ask friends and family. I told her that I could pay half now. She said " Let me call the client to see if that's okay. She put me on hold not even one minute, and got back on the phone, and said that the client approved. That was just too weird. I sent half through the money gram thing. Now the crazy phones calls are continuing. We should all report this to the BBB. This is against the law. Pray on it!

kaykitty,

You should have asked for verification before you sent these people anything. If they continue to call tell them you want verification in writing and they are required to send that to you.

Can anybody on this forum tell me if what this company is doing is legal. I was contacted by a Mark Henry telling me that I had committed bank fraud and that he had a legal document that he was downloading at 2:00 pm on Wednesday if I didn't pay him $820. Of course, I was frightened out of my boots as I have never done anything illegal. I told them that I had never done any business with Platinum B Services. He put me on hold and then came back and said SJM Marketing. I did have a $300 loan with SJM and they were deducting the $90 every 2 weeks from my account until it was recently closed. I guess that is why this Mark Henry fellow is calling me. Can they file criminal charges against me? Why didn't they contact me to make some kind of payment arrangement?

Yet another victim of the harrasing phone calls from this place. What they are doing is 120% illegal and don't send these people a dime. Tons of people have been harrassed by this place and you need to immdiatly report them. SJM Marketing and Platinum B Services is the same company. I filed a complaint with the Florida Attorney General and the Federal Trade Commission. My loan with thim was 260 including the fee and they were trying to get me to send 700....trust me no criminal files can be brought against you. You should call SJM Marketing and as them who your account was sent to. 1-866-722-2770.

i have had to file for bankrupsy do to all of my bills how can i get out of this mess

c good, didn't you include the account in the bankruptcy? If the debt has been discharged, you won't have to pay it back. If this account occurred after bankruptcy was filed, you will have to pay them. Order the latest statement and work out payment arrangements. If you need professional help, do a free registration in this website and someone will call you back and discuss about your situation.

Okay, I keep getting the annoying calls from United Federal. These guys are very persistent. They called this morning on my job and I requested them not to call me (Mark Henry) again. He immediately became rude and said that he wished me the best of luck. Less than 2 minutes later, I get a call from Andrew ??? (couldn't understand last name) and he stated that I was refusing to pay a debt. I told him I was not refusing to pay a debt, but I was refusing to discuss this with them while at work. I've sent the debt validation letter. What more can I do? I will pay them if they are the individuals I'm supposed to send the funds to. I've reported them to the BBB, the FTC and the AG of Alabama and Florida.

Bootchee, make your approach in the legal way. There is a cease and desist condition applied on the collection agencies only. This is according to the federal laws.

Once the collector receives your cease and desist letter, they must not contact you over the phone. You can give them the option to contact only by mail for further notifications. Send this request through certified mail for your records. Do you know the name of the original creditor for which they are collecting? If your debt is not sold off, you can make direct arrangements with the original creditor without dealing with the CA. A template of the cease and desist letter is at the link below:

http://forums.debtcc.com/template-cdletter.html

The original creditor is SJM Marketing. I have tried to contact them and they don't return any phone calls. Everytime I call, all I get is an answering machine. I leave a message but never get a return call. It's very difficult to work with an original creditor when they don't communicate with you. Should I just pay United Federal and assume that the debt is taken care of? I really don't have $820 to just give away and then I don't want to pay that much when my original loan was only $300 with the fee attached I should only owe $390.

PLEASE DO NOT GIVE THESE PEOPLE ANY MONEY. Do not forward any money without seeing something on paper.
I had a hard time getting a hold of SJM as well, but somebody told me when I call the number hit 0 and somebody will answer the phone. When I did that I asked them who my account was given to. They told me to call this place called I-Collect at 1-866-856-1024, but when you call I-Collect you have to know the date your account was sent to them. The lady at I-Collect then told me the Pre-Litigation or United Federal...whoever they call themselves was the ones collecting on my account. I told her I no longer wanted to deal with them, because they were rude and wouldn't give any information and that everything they were doing was illegal. I told her I filed complaints with FTC and Attorney General and that her information was given as well. Please before you send any money, try doing what I mentioned above.

Hi All,

I have a PDL with this company, I called the 877-722-2770 number left a message with dustin. He called me back about 30 minutes later and I told him I wanted to pay off my loan asap. He said they could debit it this friday. SO I owe them 260. It should be taken out this Friday and I will be done with them. I hope. I will post an update to let you guys know. Best of luck to all of you getting yours paid off.

I have a PDL with some company that shows up as VC Funding when they debit my account. I know it is bad but I dont remember who this is. Does anyone else have a loan with them and can tell me which company this is?
Thanks