We joined United Debt Solutions because of our financial situation. United Debt was to negotiate and settle our account with our creditors. Each month they would draft $330.00 dollars from our account. However, they pitched this program as a savings account and that once we reached a certain amount of money they would negotiate a reasonable settlement.
One of the reasons we went with them was not only to resolve our financial solution, but also because my health has been deteriorating since our financial situation and we believed that they could help us. However, we have been sued, taken to arbitration, United Debt Solution had no idea. If they had been in contact with the companies as they promised, we would have known before hand that these suits and arbitrations were coming.
Once we found out about the suits and the arbitration, I reported it to United Debt Solutions. They choose not to intervene nor attempt to make a settlement with these companies who were suing us or taking us to arbitration. I ended up responding to each legal issue on my own which worsened my health. They did nothing to assist me, didn't negotiate for me, but they were taking our money.
When I inquire to what set up fee they say they have completed for us, which is the basis for them keeping our money because of a contract we signed and have not seen, they say our records are confidential and restricted and belongs to the company since we cancelled their services. This set up fee is suppose to be in a contract we signed allowing them to keep the money for the first three months for the set up.
However, no one is able to tell me what they actually set up. They then tell me, that there is not enough money in our account to negotiate any settlements. Then my question to UDS was, so if there is not enough money to settle, what exactly did you do for us that allows you to keep our money? The answer they give me is that it is in the contract. Once I started examining some of the information they have sent to us and processed what they have said, there program is pretty much set up that if you drop out of the program, they keep all the money you put into this alleged savings account, thousands and thousands of dollars, rather they have settled anything or not.
So, they get to keep thousands of dollars while the customer does the work for them. They have not lived up to their obligation and I have settled and negotiated the accounts because of their lack of intervention, then this is a sham and the business needs to be shut down. They however, sent $165.00 dollars back saying this is a payment in full of the account. I have notified them that this is not payment in full, but in fact money in which they owe us.
So, my point is, they have not fulfilled their obligation on our behalf, I have done all the work and have the legal briefs to prove it even though I faxed them 100's of pages of what was happening, they still did nothing. So, why do they get to keep the hard earned money we have worked for? I have spoken on several different occasions with Mr. Don Freeman who says that he is the office manager and part of the executive staff, however, when asked what is his executive title, he is unable to answer. On three different occasions while trying to get our
$1000.00 dollars back, he has attempted to start an argument with me, however, I had to calm him down.
When I have asked to speak with the CEO, vice president, or the owner, he tells me no and if I want anything from his company I would have to get an attorney to subpoena them (isn't that a sweet set up). They are counting on the fact that our financial situation will prohibit us from seeking an attorney, however, we have turned to the United States Military in which my husband is an active member of the Army. If all they did was make one or two phone calls to my creditor, I could have done that my self. They did not perform up to our contract.
So my intentions are clear, I will not be taken advantage of by someone who was to help me, but instead preyed on my vulnerability. I will not accept $165.00 from them when I can barely pay my utilities, or buy food. I thought my days of crying and begging was over with creditors, but here I am being used and abused by United Debt Solution, Inc. I do not enjoy crying on the phone to the electric, gas, and Water Company not to cut off my utilities because I have a child and because I've been scammed.
They have my money, and I want it back. I will without hesitation sue the company, sue the owner, vice president, Mr. Freeman, and who ever I need to go through to get this matter resolved. I am beyond being angry and abused by creditors, and now my supposed helpers who were to settle our account is taking up where the creditors left off.
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