In December an ex-minister from Grant, MI (My home town) walked into my business and offered reduced credit cards rates to me and said he could save me money if I switched to his company.
He looked at my statements and then offered me lower rates on everything except one item. He filled out paperwork using information from my current statement and then called his company to get verification on rates he was offering me. I had to accept or decline the offer while he was on the phone. I had no chance of looking at the contract but he said he had already explained everything.
When I went to sign the contract, I told him my business partner wasn't in the office so I couldn't complete the contract without his signature. The Honest Minister? Told me to put on the contract that I was the only owner because if he walked out the door without a signature, the deal was off!
He never told me about the three year contract - and I had already told him I would not sign for any longer than 1 year. He never told me about the minimum $495 cancellation fee - because he knew I wouldn't sign. He never told me the rates could change at any time - he said I was locked in for 1 year and that it would benefit me and save me money.
In April I called my rep to ask why all my rates went up. It said that was impossible and to call the company. My sales rep never came back and quit taking my phone calls.
Everytime I call the company, I get charged on my statement.
August I spoke to customer service and told them about my rate changes. He was very rude and told me they can change rates anytime they want and I can't do anything about it because I should have read my contract. I understand that credit card charges may change but why should my statement fee or monthly minimum change when I have a contract?
This company and sales rep has done nothing but lie about their fees, and what it will really cost you to do business with them. If I am bound by this contract, why aren't they??? The consumer is being ripped off and I can't believe that government agencies are allowing this. What ever happened to consumer protection???
I recommended this minister to a friend and she is having the same problems I am.
How do we do a class action suit against TMG?
This company should not be allowed to be in business!!!
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