Tele-marketer from the company called, 10/02, offering service offering a consolidation of all your credit card bills into one low interest payment loan. Advertised that they are affiliated with several banks that would accept the application and offer a loan; this was guaranteed, if for any reason customer is unsatisfied, may cancel within 60 days. Credit card was charged $475.00 on 10/02 for service not yet rendered.
Representative, named Brian Nelson called, 11/02, at this time representative informs me that they will first try to speak to my current creditors to either decrease interest rates or to obtain a higher credit line for consolidation of all bills.informed Mr. Nelson that my wife and I thought that they worked closely with banks to help us get a loan. Mr. Nelson responded "yes we do, but we usually try to do this first." At this time I informed Mr. Nelson this is not what we are looking for and thank you for your time, but I would like my money back. Mr. Nelson, then stated "what do I have to loose, let me try to do this and the $475.00 is nothing compared to what you can save over the year."
Gave Mr. Nelson a chance, we called Discover Credit Card, and to no avail were we successful in either lowering my interest rates or obtaining a higher credit line. Again at this point, requested a full refund. Mr. Nelson then states that they have affiliation with several creditors willing to offer a person like me a line of credit with low interest rates, and will send me the application. Responded "okay."
Two days later called company back, female secretary answered requested a full refund. Secretary said "okay, I will inform Brian and your money will be refunded on our next billing cycle. Within a week the so-called application that Brian Nelson sent to apply for a line of credit arrived, it was nothing more than a regular credit card application to Metropolitan bank. Already suspicious of this company, my wife and I thought we did the right thing in cancelling their service and requesting a full refund.
December came around and still no refund, called company back and same female secretary then tells me that I would now need to sign some paper before any refund will be made. Replied "okay, why was I not told of this in the beginning, but go ahead and send it to me as soon as possible." One week later no forms, called again requesting a full refund, secretary again responded just wait for the form but we will refund your money on our next billing cycle.
Thereafter called company several times, until finally sometime in February a male secretary called and said, "you have not received any refund because we have not received the form you needed to sign." Explained to secretary of past experience and situation with previous secretary. Male secretary responded saying "no problem I'll go ahead and fax you the form so we can get your refund to you." Replied "okay, thank you." I had also at that time expressed my concern about the deadline for refund, representative responded "no that's not a problem."
It is now July and I have not received a refund. Called company last week again gave me the run-around. Leslie Lubow and a Mr. Blake called me on 7/28/03 stating that they are not obligated to refund me my money because the form I signed was on 2/13/03 and that would be over the 60 days of allowable refund. Tried to explain to the owner, Leslie Lubow, of what had happened, she took no consideration and gave the phone to a Mr. Blake, who stated that he is Brian Nelson superior; and again stating that they are not obligated to refund me my money and would have to first speak to Brian Nelson again on 8/12/03 to determine if I am eligible.
Beware of this company and its representatives. This company has an unsatisfactory rating with the BBB in Arizona, yet Mr. Blake insisted and stated "I dont know what you are talking about, we have an excellent reputation with the BBB."
Ariel
Los Angeles, California
U.S.A.
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