I am Hungarian and sorry about my English, it is still far away from perfect, but I will try my best.
Me and my husband, Jeff, came back to the States in December from Hungary. This is my first time to be here, my husband worked in Europe from '86. We wanted to have loan to pay for the house and the car what we are paying for with high monthly payment. Nobody wants to give us loan, because we dont have good credit history. No credit card, because of the credit report. So, we wanted to start to build our credit riport with some shopping card.
We found this company, I am not sure where, they said they have a "Cash-On-Demand" Program, they will give us card, and like any other card, like visa, there is money on it, and in low payment we can pay it, this will be showing on the credit report. After my husband told them all they asked, they said that this card is usebly only when we are shopping from they catalog, what shortly they will send to us. At this point, my husband told them, that like this we dont want the card, because we want to use the card to pay with it for bills. Ok, they said, then they cansel it. But they didn't. They take out on the same day -06/04/04 two times $99.99. Jeff tryed to call them, they didn't answered just couple of days later.
They said that it was payment. Jeff said that it must be something wrong, because we didn't ordered anything. They said they will check on it and call back. They didn't. Jeff called them again, ask if they found anyithing. Well, they said that one 99 is the membership, and the other is the "insurance" if somebody will stole the stuff what we will order, we don't have to pay for it. Jeff was almost out.
We are not members, we didn't order anything. They said that they sended a letter earlyer and if we didn't answered, the membership started automacty, we have to send a letter, to cansel it. Jeff never singed or sended anything for them! Why should we cancel something what dos not exist? They take out that money, and there wasn't enough for the 6 other checks, so the bank take $30 after each returned even if some of them was only $5 or 10. Jeff ask them to stop it, they said ok, they will. One week after, we recieved a catalog from them.
So Jeff called them again, to tell that we are not members, we don't want to order anything. They said the catalog was sended before they talked.in this month again, on 07/16/04 they take out $99.00. There was again two returned checks, we had to pay $60 for them. The bank said we have to pay $25 if we want to them not to pay for ACC. We don't have that money eather. The house phone and the TV bills are in minus, they are ready to turn them off.
What can we do? Can we get back the money what ACC take from us? Please, help!
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