In October of I signed up with Ameridebt to consolidate my debts. I started making payments monthly by Western Union. I never received any confirmed proposal from Ameridebt and according to Zynda Sellers, I never will. It wasn't until the summer of 2002 one of my creditors, Beneficial Finance, started adding additional charges to my monthly statements.
The strange thing is that there was a reduced payment from the original amount of $106.16 per month to $83.00. There was never any authorization to make these reduced payments. After 24 reduced payments I found out from my creditor that there was no record of payments received from Ameridebt. I was making short payments of $83.00 each month on my own. Someone had to come up with that figure but no one will admit it.
I made 24 payments to Ameridebt and Beneficial received $83.00 that should have been a savings of $555.84 on this account. Because of the misshandled proposal, I never received any benefits of debt consolidation because Beneficial has forced me to pay all of the money that I owe them or I would be put into collections.
I received an email from Zynda Sellers and she admitted to me that there is no proposal. They only assumed that it was accepted because I kept making payments. I believe that I should be reimbursed the $555.84 because otherwise, I did not benefit from the debt consolidation program at all.
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