Low Pay Universal 1; LPC; LOW PAY CARD I PAID THE $120 ACTIVATION FEE & WAS TOLD IF DECIDED I DID NOT NEED IN 30 DAYS OF ACTIVATION I COULD GET A FULL REFUND. I HAVE STILL NOT RECEIVED MY WELCOME KIT. PORTLAND Oregon

Not only are you out of the $79, and probably do not have time to return the kit for the $120 refund.... once you pay the $120, you will automatically owe the $198 first year membership fee.

Plus the electronics are so over priced you would not want to buy them...or put the 30% amount owed for them to be shipped to you.

I worked for this company for a short time and honestly thought that it was for a good cause. The way it was explained to me was that we were giving people a second chance to a high limit credit line. I believe our mailer lists are generated from pay day loan places and denials from major credit card companies.

I soon discovered that the company does not even report to the credit bureau, so participation in the program does not directly affect your credit score.

I read the disclaimers on the back of the letter. They state that by entering your electronic signiture you waive your right to any class action lawsuits, a jury, or even a lawyer, unless you receive written permission from the owner, Dan (Mardan).

Not only is this a bad company to have a membership with, it is also a bad company to work for; they fire people without cause, but especially if they do not reach "bonus" levels of activations. Also, customer service reps are bullied by the owner to keep phone calls to only 3 minutes (and yes it is after waiting for 30 mintes to speak with someone). Employees are strongly discouraged from meeting with the HR rep with any complaints.

I truly appoligize to all the people I activated while working in Dan's
"sweatshop." I was happy to move on to a business that follows ethics and understands morality.

To all of you who have not activated your membership, please shred the card and letter immediately, and warn your friends and neighbors about this company.

I THANK THIS SITE FOR ALLOWING ME TO GET MY REFUND. I FOLLOWED THE ADVICE OF THIS SITE & CALLED MY BANK TO REVERSE NOT ONLY THE $79 PROCESSING FEE BUT ALSO MY $120 ACTIVATION FEE. I ALSO CANCELED MY OLD BANK ACCT AND OPENED A CASE ON IT THAT WILL MONITOR IT FOR 30 DAYS & RE-OPENED A NEW ACCT.IF I HAD NOT COME ACROSS THIS SITE I WOULD HAVE BEEN OUT OF MY $199. AGAIN THANKS. I DID EVENTUALLY RECEIVE THE WELCOME KIT...ONLY 31 DAYS AFTER THE ACCT HAD BEEN ACTIVATED...AND AS U MAY HAVE READ...THEY GIVE US ONLY 30 DAYS FROM ACTIVATION FOR A REFUND & THE WELCOME HAS TO BE RECEIVED BY THEM WITH CONFIRMATION THEY PROVIDE TO U.

WHEN I DID TRY TO CANCEL BEFORE HAND IT TOOK ME 30-45 MIN TO GET THROUGH ONLY TO BE TOLD I MUST WAIT & CALL BACK ONCE KIT IS RECEIVED. THIS COMPANY IS REALLY FULL OF IT. BEWARE....IT'S NOT WORTH IT AT ALL. I WAS JUST ONE OF THE LUCKY ONES TO HAVE RECEIVED MY MONEY BACK THROUGH MY BANK. THANKS AGAIN

LPC Has withdrawn from 2 accounts and I never ordered this