SSM Group LLC has overdrawn my bank account. How to stop them?

You will need to put a hard debit block or better yet close the account.

These lenders will continue to take out "fees" again and again. That fee never takes off any amount borrowed. It just rolles over.

I also just recieved a phone call from someone saying they were with United Nations Legal group. and the Guys name was Blake William. Said he was the supposed chief investigative officer and that a police report was going to be put out in my state at 5pm on me for a list of charges. when i said i had no ideal what was going on he was very rude and said i applied for an online loan gave me all my information ie, ssn, checking account number, address ect. when i asked how much this loan was he coundnt give me amount, when i asked when it was deposited in my account counldnt give me a date. so i hung up called my bank did a check for the last two years and nothing has ever showed up as them depositing money in my account. they said i could pay a settlement of 483.77 when i said no i didnt have that kind of money to pay for something i didnt know if it was mine or not and not having any record of it being transfered to my account. he got very rude and said not speaking really good english at all that they were not obligated to show me proof and they were no longer going to offer the settlement payment and that legal action was going to be taken.. HAS ANYONE EVER GOT A CALL LIKE THIS.. CAN ANYONE HELP. I CLOSED OUT MY BANK ACCOUNT. AND CALLED THE VIRGINIA STATE POLICE AND MADE A RECORD.. I GUESS NOW I JUST HAVE TO WAIT AND SEE WHAT HAPPENS IF ANYONE HAS ANY INFORMATION THAT COULD HELP PLEASE... LET ME KNOW..

yes we all have.this idiot can't and won't have you arrested.this scam got a hold of a ton of peoples inform from pdl's and are trying to scam money.don't worry about it.hang up on him next time he calls.he is in INDIA and can do nothing except call.again nothing he said he can or will do.hang up on him next time and don't talk to him again.in fact file FTC complaints and police reports.

Thank you so much for the help.. i have been so stressed.. pregnate and scared this guy scared me so bad. not to mention i have a goverment job so i cant have any police file on me. thanks again for calming me down...

it's my pleasure.just remember that he is in INDIA.file the complaints and police report.they will also set your mind at ease.

I have dealt with the SSM group on a few PDL's i have had and so far have had no problems with them. I have a ph# of 866-463-2130 and a fax# 866-463-9412. I hope it helps.

I have a dilemma here I have tried in like the last couple of weeks to get in contact with these people they just put money into my acct when my account was overdrawn and now the bank wants to penalize me after I found out they had deposited the funds into my acct. is there anyway I can fight this?

Did you apply for the loan or did they just put it in there on their own? Is the account now positive?

Have you spoke to the bank manager?

I would go in a explain the whole thing situation to them and see if they will work with you.

If the account is positive I guess the best thing to do is close it and then work with looking in to how to give the money back later.

That is exactly what I would do, close the account and then work with the PDL. Stop it now.

DJR Group LLC aka OSL Marketing
2 E Gregory Blvd.
Kansas City, MO 64114
(866)553-5788
(816)822-8677

They are doing the same to me and I just reported them to the Better Business Bureau and I guess they do this to a lot of peopl. You should report them too.[/font][font=Georgia][/font][color=Black][/color][size=3][/size]

I am a retiree living in Delaware. After reading some of the complaints and responses on this web site. I will be closing my bank account tomorrow. My wife had taken a small $300 loan with the Sagamore arm of the Ssm organization.

I have just begun seeing the unauthorized withdrawals from both the SSM Group and Sagamore. In one month, there were five (%) withdrawals of $60 each from my account. I will be submitting my complaint to the Delaware Attorney General's Office tomorrow. I will then close my bank account before any additional damage can occur.

There are all sorts of predators on the internet. This organization and its subsidiaries are just one more scam that can hurt anyone who falls for their scam. When we are trying to survive during the hard economic times, the roaches come out the wall. Ssm is just one of many. Let's do what we can from every state to eliminate them.

It is good that you are closing your account. So many??try to contact them for weeks or months to pay off the loan and in the mean time they drain their bank accounts.
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They are scum.
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Protecting your own interests is a priority, close your bank account asap.

company. How again do I get them off of my account and can I revoke 4 withdraws that I did not authorize?

If you did not authorize the withdrwals go to your bank and dispute it. The bank should be able to reverse the charges after invesitigation. IMO, I would close the account altogether and open a new one just to be safe.

The only one I have trouble with is SSM/SJM They ARE the same.

They keep debiting even after revokation and proof with the bank. My bank has reversed SOME of this (it's a credit union)

the same is happening to me. Can't get ahold of them

I had taken out a payday loan with two companies when I came on a hard time last fall (Sep. 2008). The companies are B.I.G and SSM group. I live in Nebraska. B.I.G send me email updates of when they are taking payment from my account by direct debit but i never received notification from SSM group that I got a loan from them. Now they both debit my account every two weeks when I get paid. I have paid them both way over the principle loan amounts and am wondering why they are debiting my account still. They say they are loan renewal fees. Can I get them to zero my account since I have paid them their money back plus god knows how much extra in fees? Please help.

The best thing you can do is close the account. They will continue to take the fee forever and none of it goes towards the principle of the loan.

BIG I know is illegal and I think that SSM is as well. I don't think either has a license ot lend in AZ.

You only owe what you borrowed. Any fees you have paid apply towards that amount.

I can't be held accountable for closing the account and they should not be able to prosecute me or come back and collect on that money, correct? I have bank statements showing the ammounts that they have debited from my account for the last several months. The total paid is considerably more than the amount that I have borrowed. I may try to contact them and tell them that I have filed complaints with the FTC and the BBB regarding fraudulent debits from my account to see if they will zero my accounts. Any thoughts? I fully inted to file complaints if they do not agree.

No. You can not help liable as they are illegal.

You can send them a letter like this one. Scroll to post 13 to find it. You can change it to your information and state laws. Include in the letter that you have over paid them in X amount of dollars. You can demand a refund but most people are happy getting a paid in full repsonse.

You can mail it registered letter or you can email.

Do you know if pdl's are legal in Mississippi? I too had a deposit and withdrawals made to my account from SSM group/osl marketing and also sgq processing, which I would not be the least bit surprised if sgq was part of ssm/osl! They emailed me documents that supposedly I gave permission for an electronic signature. When I just recently received the email containing these documents, was the first time that I had ever set eyes on them. I have already closed my checking account and opened a new one.

They legal but not this company.

It is good you closed your account.

I have now joined the community after 15 or 20 posts & all the help I have gotten. I sent out letters (certified/return receipt) on Sat. 5/2 & followed up with emails early Monday afternoon. I've gotten 3 electronic return receipts where the companies signed for the letters (PROOF-got em'). No sooner did I get the emails sent out that I received a response from Fast Money 911 stating "although they do not agree with my interpretation of the laws, in interest of good consumer relations we have waived your loan balance & marked it as PAID IN FULL". This was for 2 current loans & 1 previous I have paid a grand total of $4910.00 on principal loans totaling $1250.00. They were currently taking $225.00 every 2 weeks from my account. Overpaid by $3660.00 (yeah, makes me SICK) & I'm sure the refund I asked for will be here tomorrow (yeah, right, I won't hold my breath) but I got the PIF. They'll probably want to give me a loan next week (LOL). Two down, 10 to go....I got an email from Loan Point USA saying that my contract is legal & I am still indebted to them. I've overpaid them $2310.00 on multiple loans. They still want $120.00 every 2 weeks until I pay in full a $500.00 loan plus $120.00 in interest/fees. I've paid $600.00 since getting that $500.00 loan. They'll not see another dime from me.
CMG is another loan that I have & haven't gotten any responses yet. They are another one of the SSM/SJM group of pdl's so I expect they will be extremely difficult but I have paid them $2550.00 on a $250.00 loan. It took me a year & a half of going through this endless cycle of pdl's & receiving virtually no paycheck because of the withdrawals before I found this site, started the process & began my complaints to BBB, AG & FTC. I feel such a sense of freedom though now, I have control of my money & I am not providing annual wages for some pdl creep that does nothing more than harass people. I have to thank KSCornell & Frogpatch again for their help & inspiration. I want to be able to help in anyway I can in the community & that is why I am now a bonafide member. Looking forward to being able to support others while receiving support myself.

Sounds like you are well on your way. Keep it up :)

I would have never thought....I got a PIF from CMG in email today. The same old story, they don't agree, their legal dept. says they don't need to be licensed in Florida because of the internet & I should have paid like I was suppose to but as "an offer of compromise, they marked my account PIF. I will not be receiving a refund, they will not provide loans to me anymore (as if I wanted them) & there will be no further collection activity." 3 down, 9 to go....my certified letter to High Country/PDL Loan was undeliverable-they moved, left no forward. Surprise, surprise!

WTG on getting another PIF! :D

CONGRATS!!

HERE IS A NUMBER I BELIVE IT IS THE SAME GROUP YOU LOOKING FOR WE DO INVESTIGATION AND THIS IS WHAT I CAME UP WITH HOPE IT HELP SSSM Group, LLC 8665163100

contact an attorney. PDL's are not all legal. SSM Group in not even located in the United States. Go to Fair Debt Act on the internet for directions. If any pdl places sent your accts to collections they can help you. There is light at the end of the tunnel, believe me!

im having the same problem with cmg group its the same people just a different name. they keep taking money out and ive never signed up for anything with them, just got some information with the company. there's a phone listed on my acct but the phone keeps ringing and ive gone to my bank to fill out a form to get my money back and still havent heard anything back from them. i dont know what to do cause the money they took has been for paying my bills and now ive got enough for just gas only. what can i do to

Close your bank account and open a new one. Make sure that any future ACH debits will not force it back open. Go into the bank in person and talk to the branch manager.

Can you please send me a copy of this letter. I am also dealing with SSM Group and One Click Cash.

i borrowed 150 in december and i've been paying 60 dollars every two weeks and i paying until now is this right. can anybody help me pls.

My GOD! I have 3 dl's and I have no idea what to do...they are costing me hundreds of dollars per paycheck.

What letter do I write to them>? What do I say?

I really want to get this over with. My life is falling apart!

I suggest you start a new thread listing the PDLs names and amounts borrowed from each. Also list the state you are in and wether theae ae internet or storefront lenders.

This wil help us help you better. Thanks!

your screwed

YES I HAVE A # FROM MY BANK 866-463-2130

I think I have 5 payday loans out. After I had had 3 times that I saw unauthorized debits from my account on days that were not even my payday (on a Tuesday or Wednesday) and on my non pay weeks (I get biweekly paychecks),,,I sent an email to my bank asking them to close my account effective immediately. I didn't go talk to the bank manager or tell them why. My bank is too far away from my workplace to skip over and talk to them and I wanted to end the debits immediately.

So my account is closed. I did not inform the pdl companies beforehand. Firstly, because I don't trust them not to be sneaky and secondly because it is too difficult to find their contact information among the hundreds of pdl offers that flood my email daily. So, I waited to get an email from them. They tried to call me at work when they couldn't get money out of my closed account. I work in a medical office as a med Assist, so I would pick up the phone, not say hi and hang up without talking or acknowledging their call. Finally started receiving emails, 4 days after they tried to debit. So I emailed them back using your form letter on here as a letter to go by.

The companies that sent me emails after I closed my account, I don't think are the ones that did unauthorized debits.

I sent my emails (asking for payment and payoff details) 7 days after I closed my account and 5 days after they would have tried to debit.....They still say I can be charged with fraud because I took out a loan from one company on May 22 and "promtly" (that was their word) closed my account on June 17 ( I think)...

I haven't fled my county or not contacted them...

How can it still be considered fraud? Or is it? Just trying to scare me?

I am located in Maine.

The companies I am aware the names of are these:

[email]tim@payday-loan-yes.com[/email]

This company I got a return letter demanding payment in full by July 3...This was a 350 dollar loan. They say payoff amount is $590. The letter was by someone named Karen and in the email, she said that if it was not paid by July 3 that they would continue with collection efforts. I wrote an email back, defending my decision to close my account and that I did not believe the charge of fraud would fly. I also asked that she US mail me my loan documents and I also asked that she be forthright with what collection efforts would happen since I was sure I could not pay by July 3 and I wanted to be prepared for what steps they take then.

I am locked out of my online banking from my old bank, so I am not sure how much I paid. My guess is I paid 90 on this one.

The contact info I got on above email was this:

Karen Lamb
Advanced Collections
800-654-7444, Ext. 846
Office Hours Monday thru Friday
8:00 A.M. to 5:00 P.M., EST


The next lender that responded I am not sure of name. The collection company that called me at work today, I didn't recognize as one of my pdl, but he gave me the name of the pdl I used "500 fast cash", maybe..anyway, when I told that guy my situation, he told me that he would reduce my loan by 100 dollars. It was a 200 dollar loan. I have paid some on it. He said that I owed 330, but that he would knock it down to 230 and asked when I could pay it. I felt good about him. He was sympathetic and said "God bless you" as he hung up.

I don't know how much I have paid on this one...a few payments. Not much.

This was there contact info on the email they sent:

Phone Number: 1-888-339-6669
Fax Number: 1-800-416-1619
Email: [email]collections@500fastcash.com[/email]


Next one is United cash loans, they emailed me saying that my bank rejected their ach. They have not responded yet to my general email I sent to the three known companies.

This was there contact info

Phone Number: 1-800-354-0602
Fax Number: 1-800-803-8794
Email: [email]collections@unitedcashloans.com[/email]

Help, single Mom of 2, left an abuser of 15 years and can't handle the harassment from the pdl's..it kicks in my PTSD horribly!


Any answers or help would be great!

Marcia

Ok so here is a new one. Apparently I have a payday loan from SJM Marketing. These people are calling at work nonetheless, saying they are from VRM Group, INC. Threatening to file a judgement against me. I also had the experience of them wanting all the money now with no felxibility. They would not give me their physical address, only a po box, so I cant go after them for violations because I dont know who they are. All for 470 bucks!

i applied for a pay day loan .. on paydayloan.com now i have hundreds of e-mails and numbers.. the only loan that i actually gave my approval for was salaryfast.com which credited my account $200 dollars .. on that same day which i didn't know .. ssm group llc credited my account $200 dollars .. i have already set up my payments with salary fast but i couldnt find any information on ssm group till this.. now i don't know what to do. i wrote down a lot of the information i found on this website that people have posted .. but then i went back to my e-mail and found an e-mail from that company say i filled out an application then it said click this link to view your loan documents so i clicked that and typed in the last 4 digits of my s.s. number .. after that a screen from adobe reader or w/e and it was documents with my name already typed in for approval and everything .. which i DID NOT approve. if i had just did that 10 minutes ago .. why was my account already credited .. should i just close my bank account and just give salary fast my new checking number and stuff since i already made arrangements with them? i also found 2 e-mails from the same person but one was for ssm group llc and the other from jhs marketing.

applied for a pay day loan .. on paydayloan.com now i have hundreds of e-mails and numbers.. the only loan that i actually gave my approval for was salaryfast.com which credited my account $200 dollars .. on that same day which i didn't know .. ssm group llc credited my account $200 dollars .. i have already set up my payments with salary fast but i couldnt find any information on ssm group till this.. now i don't know what to do. i wrote down a lot of the information i found on this website that people have posted .. but then i went back to my e-mail and found an e-mail from that company say i filled out an application then it said click this link to view your loan documents so i clicked that and typed in the last 4 digits of my s.s. number .. after that a screen from adobe reader or w/e and it was documents with my name already typed in for approval and everything .. which i DID NOT approve. if i had just did that 10 minutes ago .. why was my account already credited .. should i just close my bank account and just give salary fast my new checking number and stuff since i already made arrangements with them? i also found 2 e-mails from the same person but one was for ssm group llc and the other from jhs marketing.

how much is my loan

kaiser1287,

Go to your bank and talk to the banks manager.

Anytime an ach transaction is done there is a record of the company that it was processed from with their contact information. Tell your bank manager you did not authorize ssm group llc to do any ach transactions to your account.

I think I would also contact salaryfast.com and ask them if they were affilated with ssm group llc.

I have 2 payday loans 1 with SSM Group LLC and the other with summitgroup.Both for 150.00.I live in Pa.Are they unlicensed/illegal ?Will needs less to say someone got a hold of my banking info.My money is gone.Had to close my acount and can't pay these now.

I just tried to get a loan from salary fast.com, they want me to long on and finish my application .should I?

Heck No. You better cancel that loan and try to fond another way to get the quick cash. Trust me, it will cause more harm than good.

im looking for information on salaryfast.com i need like email,phone number and fax.so i can send them a letter .i already closed my account and so far i havent heard anything from them asking for money yet.

I called SSM at 1-866-463-2130 and got a live human on the phone. They too put money in my account without me asking $200. As soon as I saw it there I googled and found their number. The guy said the money will be reversed tomorrow morning without any fees. We will see!!!

Call SSM Group at 866-463-2130 and talk to Trevor on Extension 215.