Prosper learning scam
You are most likely reading this because you have:
1. Been approached by Prosper Learning
2. Ran across it searching the web
3. Just signed up and learned the name of Prosper Learning
4. You’ve been burned by Prosper Learning
It’s a real shame that Prosper Learning doesn’t read some of the educational material that they are selling. But I guess they’re too busy scamming people using a bait and switch approach to obtain your hard earned money and credit. They spend a majority of their efforts conning people into sign binding contracts and then work hard at not giving any money back. Successful and honest businesses don’t need to do this!!!
You are basically paying for someone to read a book to you and using a net meeting type of website to show you how to click through the websites contained in the book. If you already know or have experience in the subject matter, you won’t learn much and the coaching or mentoring is non-existent. If you are new to the subject, I won’t recommend it if it were free because you will be lead in the wrong direction and have the chance to lose more money.
By the way, their 100% satisfaction guarantee is to give you another coach to read the book to you again – don’t expect anything new.
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*If you ran across this or were contacted by them, go elsewhere or you risk wasting a year or more of your life on a program that doesn’t deliver.
*If you just signed up cancel immediately and do some further research, you can always go back if you’re still interested.
E-Commerce:
The following website does an 8 week comparison of Prosper Learning and Wealthy Affiliates
Http://proveyourbusiness.com/Reviews/WA vs. Prosper/Home.html
E-Bay:
E-bay already has an educational learning center
Http://pages. Ebay.com/education/index.html
Stock Market:
Not sure if this site is good or not, but they tell you what you get and you pay by month.
Http://insideouttrading.com/pit/pit-join.html
Link to the PowerPoint Presentation (I could only get it to work with Safari)
Http://insideouttrading.com/tayb/tayb.html
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If you are unfortunate to have already signed up for this, you have the option of paying this off or trying to fight it. If you are signed up through HSBC, just be aware that they are probably the worst credit card company to deal with based on the internet complaints. I got more sympathy from the credit collections department than the customer service department, it’s almost as though they’re 2 different companies.
If you do decide to fight it, whether as a matter of principle or because of your economic situation (take notes on everything):
1. Save a copy of the original contact email
2. Contact the owner of the original purchase you made to see what relationship they have with Prosper Learning and if they authorized Prosper Learning to use their name in an effort to infer that they would coach based on the information from their ebook.
3. Dispute the credit card charges based on seller failed to deliver the goods as promised – Prosper Learning will probably contact you on the 1st dispute and maintain contact while they file the necessary paperwork with the Finance Company.
4. Prepare the paperwork and documentation to re-initiate the dispute – you will have about 30 days from the first dispute. Depending on what kind of proof that you obtain, you may want to request a chargeback for the amount you have already paid.
Http://www.ftc. Gov/os/caselist/0723138/090630mentoringofamericacmplt. Pdf
5. Once the 1st dispute is removed, reinitiate the dispute again with all of the documentation.
Http://www.ftc. Gov/bcp/edu/pubs/consumer/credit/cre16. Shtm
Http://www.ftc. Gov/bcp/edu/pubs/consumer/credit/cre28. Shtm
Http://www.creditinfocenter.com/cards/crbillng. Shtml
Date:
Purpose of Dispute:
I am requesting that all charges be reversed (chargeback) including all late fees and interest charges and that if my credit suffered due to any of this, that it be cleared up.
Nature of Dispute:
Quality of goods and services or Right to withhold payment
Other:
This was a service contract, therefore “a copy of the credit slip or a copy of the UPS tracking slip and/or tracking #, DHL, Airborne, FedEx, or a postal receipt” is not applicable
6. If you have HSBC you can fax the documentation to (302) 327-2963 Attention Dispute
7. During the 2nd dispute, HBC will probably turn this over to their collections department. If you get called while in the dispute process, make a note of it and let them know that it is in dispute – expect this call at least once a month.
8. Eventually you may end up in court with HSBC
Http://www.creditinfocenter.com/legal/ive-been-sued. Shtml
9. To keep up you’re your spirits and help you from getting overly depressed during this frustrating period:
Http://thesecret. Tv/secret-to-you/
Good Luck
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