I have a loan outstanding from St.Armands group. I

I have a loan outstanding from St.Armands group. I got a call today from National Lawyers saying there are two summons that will go out today if I don't reach a settlement
One for breach of contract and another for a bounced check. The person also told me I would have to pay all court cost if I don't settle. I live in Illinois and got the loan online
I just want to make sure I have all my facts right before I negotiate

21 Answers

A couple of months ago a friend who was working somewhere I worked years prior said someone called for me he gave me the number. It was so agency the guy on the phone whose name I don't care to remeber told me that I was going to jail for breech of contract. The address he had on file was a very old address. They told me they had contacted my bank and had the information that I received a deposit on 5/14/2012. I got off the phone with the idiot and called the bank (the account has been closed for about 2 years) I asked them if anyone has called for information regarding my account. The woman said no and asked me what was going on. So we get an to dig through my account and I had NO deposits on the 5/14. In fact she even said I would not of had a reason for a payday loan. Also I didn't have checks with the account.

So a few months pass by and I get a phone call telling me they are gonna serve me with papers on 1/8/2016 at either my place of employment (which is the wrong place) or at my home (also the wrong address) the person that called left me a phone number and a case number. I called the number I told them that I never had a payday loan from them and I was not paying anything and that I had proof that I never received the money. I told them to contact my lawyer if they wanted any further information from me. He took his name and address and said he would contact them. Lcukily, .my previous bank said they will back me up 100% on this.

But there are so many questions ......
Why did I not receive anything in the mail? Any court paperwork is mailed to your address and if you have moved it is forwarded
Why is the process server telling me he is coming?
Uh....no. They don't tell you they are coming!!!!! They just show up and say you have been served. That is like the cops warning you they are coming to arrest you.
If they have my social, then why do they not know where I work?
If they really had it they would know and not be calling my job from 2-3years ago which, was a temp job so it would have never been placed as the place of employment. My place of employment is the temp agency, an office in a building that I haven't been to in a long time. Which in itself leads to another question how did they find out that information about where I was a temp at, the temp agency wouldn't have told them....

I'm sorry went on a rant, my lawyer believes it is a big scam. He told me not to worry about it. I have my proof and they can suck it, I wonder if I can countersue them for pain and suffering from the worry of being in breach of contract, the multitude of phone calls and the way I was spoken to the first time I spoke with them. Tell me to go and get a crayon and write this down.


Did anyone else get called and said they were from Western co. Starting they were part of st armands group? And that if we didn't pay by today they would issue and arrest warrant and be charged with fraud if we failed to do so. Then I started asking questions they got mad transfered me to a manager where he got even more upset then stated since I questioned him and wanted paper work we now only have 30 mins to pay


i JUST REC'D A CALL FROM HENRY GATES THAT I OWE THEM 600...HE WANTED MY NEW BANK INFO... BUT HE HAD ALL MY INFORMATION AND SS#..HE SAID THAT IF I DIDNT PAY THE COPS WERE ON THERE WAY FOR ME A MY JOB. HE CALLED ME BLOCKED...I SPK TO 3 DIFFERENT PPL AND THEY ALL HAD DIFFERENT STORIES.... HE STATED THAT THEY SENT A CERTIFIED LETTER TO MY HOUSE THAT I NEVER GOT..N THAT I MISSED MY DAY IN COURT...THEY HACE BEEN HARASSING ME AT WORK TELLING MY BOSS THAT I TOLD THEM TO CALL ME AT WORK REGARDING MY LEGAL ORDERS


i JUST REC'D A CALL FROM HENRY GATES THAT I OWE THEM 600...HE WANTED MY NEW BANK INFO... BUT HE HAD ALL MY INFORMATION AND SS#..HE SAID THAT IF I DIDNT PAY THE COPS WERE ON THERE WAY FOR ME A MY JOB. HE CALLED ME BLOCKED...I SPK TO 3 DIFFERENT PPL AND THEY ALL HAD DIFFERENT STORIES.... HE STATED THAT THEY SENT A CERTIFIED LETTER TO MY HOUSE THAT I NEVER GOT..N THAT I MISSED MY DAY IN COURT...THEY HACE BEEN HARASSING ME AT WORK TELLING MY BOSS THAT I TOLD THEM TO CALL ME AT WORK REGARDING MY LEGAL ORDERS


i JUST REC'D A CALL FROM HENRY GATES THAT I OWE THEM 600...HE WANTED MY NEW BANK INFO... BUT HE HAD ALL MY INFORMATION AND SS#..HE SAID THAT IF I DIDNT PAY THE COPS WERE ON THERE WAY FOR ME A MY JOB. HE CALLED ME BLOCKED...I SPK TO 3 DIFFERENT PPL AND THEY ALL HAD DIFFERENT STORIES.... HE STATED THAT THEY SENT A CERTIFIED LETTER TO MY HOUSE THAT I NEVER GOT..N THAT I MISSED MY DAY IN COURT...THEY HACE BEEN HARASSING ME AT WORK TELLING MY BOSS THAT I TOLD THEM TO CALL ME AT WORK REGARDING MY LEGAL ORDERS


i JUST REC'D A CALL FROM HENRY GATES THAT I OWE THEM 600...HE WANTED MY NEW BANK INFO... BUT HE HAD ALL MY INFORMATION AND SS#..HE SAID THAT IF I DIDNT PAY THE COPS WERE ON THERE WAY FOR ME A MY JOB. HE CALLED ME BLOCKED...I SPK TO 3 DIFFERENT PPL AND THEY ALL HAD DIFFERENT STORIES.... HE STATED THAT THEY SENT A CERTIFIED LETTER TO MY HOUSE THAT I NEVER GOT..N THAT I MISSED MY DAY IN COURT...THEY HACE BEEN HARASSING ME AT WORK TELLING MY BOSS THAT I TOLD THEM TO CALL ME AT WORK REGARDING MY LEGAL ORDERS


I also have a loan from St. Armands and I did not know I signed into a loan!!  They gave me two hundred dollars and I did not know I signed up for this, although I was looking around for different loans.  Can they do this without my consent?  


Honestly, it's a scare tactic. You would have to receive actual lawyer documents before dealing with a settlement. The company is a scam and anyone who has money put in their accounts or taken out by this company should contact their bank immediately. They've cost me time, stress, and timely payments for my rent and car. I never had a phone conversation with this company to authorize any type of transaction. Save the stress and time and talk to your bank and open a new account and close the old one. Once they have your social and account number, they can pull funds at any old time. 


I don't know what to do my loan with St Armands group was set to come out of my account on the 20th of July.  they have tried several times to take out the money but it didn't go through.  And now their legal department said I will have to go to court on the 30th to resolve this issue.  I don't know what to do I was gonna have the funds avaible on the 20th like promised they just took out sooner.  Then too I have been calling leaving messages with them and its hard to reach them I keep holding the line and then it will cut off.  I have left several messages still no response, I thought I will email them cause I don't have a fax machine to verify they can take out the money on the 20th  but no email address so I don't know what else to do.  I want to pay what I owe and be done with it I would just like to reach someone to be able to do it.  what should I do?


Make sure to go to your bank like I did and let them know about your situation. Tell them for security purpose to close the account and open you a new account.Therefore, no one can take out any of your cash. Deal directly with the company that lent you the money. I dealt directly with St.Armands  and called their telephone number because this was the information that was provided in my bank statement. Be careful and ask many questions before you pay any money. When you decide to risk it  pay only what you owe your initial payment. Do this with an open mind with the best information and research that wasn't done previously when we took this payday loan. I hope this was helpful and let's hope for the best and GOOD LUCK!!! to us all.


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