I responded to an email from this company because I wanted to consolidate 3 credit cards to make lower monthly payments.
I let them sweet talk me into signing up and they took my money for 9 months before I decided they were full of sh*. Sorry to be so crass but I am really pissed off.
There are so many things they didn't tell me in the beginning, that by the time I realized what was going on, the damage had been done. Four months had passed before the payments I was sending them even started showing up an my statements.
When I called them (and finally got through) to ask them what was going on, they wanted to argue and talk loudly to me, and I was not able to speak to the same person that signed me up and never did again for the whole time I was in the program.
When I asked them what was going on with the payments, they told me the first payment I sent them was a fee that go's to them and the next payment I would send them would be dispersed to the credit cards. They also told me that that first payment was refundable at the completion of the program.
What a mistake! A $26.00 payment on a $1200. Bill doesn't make a dent! When I added up the payments that they were making on the credit card statements, I was coming up short $45.00. So I called them to find out why. That's when they told me that there was a fee for them every month to do this service for us. So I asked them how this could be when they told me they are a non profit organization. They said to me they needed to be paid somehow.
I reached frustration when I realized I was not doing anything good for myself by using this company because I was paying them more money than I was in the first place on my own.
They also made me feel like I could not break my contract with them. After talking to a few people, I was told that all I had to do was call them up and cancel thier services, which I did. Wish I had known that before 9 months passed.
Now I'm back to making the payments on my own. (I'm afraid to look at my credit report) I hope someone stops these people in thier tracks some time soon.
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