On Nov 2nd 2010 I joined a credit consolidation group that was supposed to help me with my credit card debts. On 12/3 they took out $300.00from my account to get started. I heard nothing. After calling they said they were going to get started. Still I am getting calls form my creditors, and no the creditors had not been contacted. When I would call Iwould ask for the contract and finally I got the right customer service person on 1/17 and she said she would send a copy of the contract to me.
On 1/22 Ireceived the contract and was in shock. A negotiator would contact the creditors and try to cut my charges in half.in the mean time they had taken 154.79 and 200.00 out of my account now they had $654.79 of my money. Having had the contract for three business days I cancelled on 1/26 asthe contract I could cancel with no penalty.
Today I called an asked where the $500.00 was as I had already received $154.79.
Iwas told it was to late because I was passed the time for a full refund, Now how can that be since I only had the contract for onlythree Business days. I am 74yrs old and live with my daughter. I was going to use the $500.00 to pay on my credit debt.
I have also made a complaint with the BBB. I am at there mercy and I have already accepted the fact that I wont ever see the $500.00 again. I have since contacted all my credit card people and they are working with me. Thank you for any help you can give me.
Regards Harry A. C
Taylor Tx76574
@yahoo.com
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