My complain is regarding Lifeguard Financial (they are now called FBL Associates) I called Lifeguard Financial (FBL Associates) on 10/23 at 11:29 A.M. And cancelled the Debt Settlement Program with them because I have managed to do the settlement myself. I was told by the customer service personal that I will be contacted by the cancellation department within 10 days but haven't received any call back from Lifeguard yet. I called again on 11/12/09 and spoke to person name Ralph in the cancellation department asking for refund back and he purely denied me to give any money back and said this money is for fees for 4 years service, after arguing so much with Ralph he finally said he will refund me $1278 back but not the full refund. I and my family is going thru very difficult time where my wife is working less hours than before and we are 6 months behind on the mortgage payments so I said give me $1278 but they cant just keep $3701 money for the service they never provided. I am still getting calls from creditors; creditors didnt receive any letter from Lifeguard Financial about the program I joined, according to the agreement Lifeguard will open-up an account in my name with NOTEWORLD and deposit the money in that account but that didnt happened. I called Note world and there is no account open-up by Lifeguard in my name. This means that Lifeguard intention is to collect the 4 years fees from client first before doing anything for client. Please help me and my family to get the refund back from Lifeguard we also have 2 kids and we need money.
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