On or around December 10, I was contacted by Jarrod Adams from Market Advantage. He told me that his company "must provide a way to pay off credit card debt three to five times quicker" and "save more than $2000.00 in payments." There was a money-back guarantee, which I have in writing. I reluctantly agreed to a fee of $595.00, and on 12-12-05, got a call from "Keith" with a confirmation number, 16826.
On December 15, I received a packet in the mail that reads in part, "We guarantee that you will save on your interest rates!" "with results that are 100% guaranteed or your money back!" All I had to do was fill out a "simple worksheet."
All I ever received for my 595 dollars were 2 credit reports, from Experian and Equifax. I'm sure these did nothing to improve my credit scores. I finally called Market Advantage in May of and talked to Ronnie Shank. He told me that I was supposed to have sent the credit reports to Market Advantage, which I then did.
In June of I received a credit card application from American Express with a 5.99% interest rate, which I could transfer up to $10,000.00 to. I filled it out and sent it back, and soon after got a notice that it had been denied.
Soon after, I contacted Market advantage again, and Ronnie Shank asked me if I had gotten the Am-Ex card application; I didn't know that Market Advantage had sent it. I told him yes, that it had been rejected. I then asked for my money back, but he assured me that he would help me out.
I never heard from Ronnie again, so I called Market Advantage in November. Ronnie Shank supposedly returned my call some days later, but I never spoke to him. The holidays came and went, and I decided to clear up my business with Market Advantage after the first of 2007. I called on January 8, and was given very little cooperation.
Eventually, the lady I was speaking to told me that my "contract" had expired. What contract? A contract means that an agreed-upon service is rendered for agreed-upon compensation. Market Advantage never came through.
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