This Company needs to pay with a classaction lawsuit. My story is similar in nature to all. Mine started back in 2000 of October. Enrolled with Heritage Institute at $200 non-refundable setup fee and the $250 monthly to go into the trust account to go towards the settlment of those enrolled accounts. Signed the agreement and power of attorney and they were to handle it from there.
I will only mention Dave from Heritage only because he was the contact an set up the account. Lies Lies and more lies.
Creditors called I took the name gave them the number and so on. Sent it in. Did my part, creditors still called. Even one of those creditors claimed I was dead. Imagine the surprise on my wifes face when she received the call that claimed I was dead!
I did my part but Jubliee didn't do theirs and blamed everything on the condition of the reports on Heritage.in fact, I had not been informed that Jubilee was doing the handling.
My money went in and plus sent them extra from tax returns which should not have been taxed by their fees which nowhere said anything of the sort in the contract.in fact they encouraged it. Trust Fund reports were next to none and only got them after complaining that they were not fulfilling their agreement.
Got the run around, busy signals and not to mention noone knew who was my representative as it changed each time.
Only one account was settled and that was after I had complained that surely they could atleast settle one of those with the balance two to be fact.
They got 25% of the trust fund deposit and 25% of the extra thousand that I sent them. I compained and filed a complaint with the BBB (what a joke) after all I checked them for the file and they gave them a good rating. Over the $3000 that went out almost half went to them. I still got mail from the creditors and so forth.
After all the garbage and the year that elapsed I new that the original term of 18 months wasn't gonna happen (as Dave claimed). Seeing that they were getting rich I was getting in the hole even further and they would do nothing to fix my complaints I deceided to end the account cause it wasn't going in the direction it should've been and knew my creditors should be getting paid.
Wrote the letter to them telling them to cancel everything: Power of Attorney withdrawls on the account and so forth and return the money and that was in the trust fund one month before the next scheduled withdrawl from my account.
About a week prior I called my rep at the time and she was only available by voice mail and I left a message for urgency and said that the account was canceled and they were not to withdrawl any more funds and to contact me. I even went through the process of sending a letter to my bak telling them this withdrawl coming through on such date did not have my approval and was not to happen.
They deducted the amount from my account and I was fit to be tied. I called them and told them that they were sent a letter a voice mail and so forth and why did they withdrawl the funds. I demanded the account be shut down immediately return the withdrawl entirely and wanted my 25% back that they charged in addition outside the agreement. They demanded all of my bank statements to prove the amounts taken out of my account before I could get my money back. And no I didn't get my last withdrawl back in full nor did I get my 25% back either in it's entirety and not only that the ripoffs put on the check that they sent me satisfied in full.
So I did what I could with what I had and paid some of those other accounts off still in the process of satisfying two left and the major one is in collections which I trying desperately to get paid at $200 a month needless to say that all this put me behind another $1000 on late fees on the account.
These people screwed everyone and they new what they were selling was nothing but 98% failure and 2% luck settlements on the accounts and 200% profit.
This is the tip of the iceberg and didn't mention everything but we all know.
Ken
York, Pennsylvania
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