I enlisted this company to help me get my credit back on track. I talked to them and they sent me a contract.in 5 years my credit cards were to be paid off. All I had to do is give them my bank info and they would take my 1 monthly payment and pay my creditors and themselfs. I had to pay on moonth inadvance, but I would get that back at the end of the 5 years if all my payments were made on time. Easy they were going to take it out of my account so I could not forget to mail it. My payment is $467. A month $30. A month goes to them.
First I started getting my statement and the amounts did not match. I called them, they said it was because they did not so the month interest that was still be added at a much lower rate. Okay.
Then about Dec. 2005 I start getting letters from my creditors wanting to know why my payment have stopped. I call they, They say it was becauce of the hurricans. They would had to leave the office, but asured me that they would contact the creditors and it would be taken care of. This goes on for 2 or 3 more months. The creditors ore tell me I have been dropped from their program and could not sign up agin for 5 years. I call and no one can tell me why my payments are not being made. There is never anyone of their managers to talk to you leave voice mail. They do not call back.
I call my interest rates are all back up to 24% or more and they are charging me $35.00 a month on late fees some charging over the limit fees also. I call get mangers voice mail told they when to call me, because I work and do not want to miss thier call. Told them I guess I could just have a laywer call them (which I can not afford). So they call when they know I am not home and leave a message that they are returning my call. I call again and ask what is going to haappen at the end of my 5 years and this is not paid off. Again I don't know you will have to talk to a Manager, But you will need to make up the payments either on my own or they could just add them to the end of my 5 years. I ask about the late fees and over the limmit fees again, I don't know you will have to talk to the Manager. She calls when I am not home.
I have a year and some months left to pay and I can tell you they will not even be close to being paid off. I am not sure what I need to do. Any help???
I hope this will keep someone else from making the same mistake.
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