Freedom Subscription! UniGuard Plus PayDAy Loan "Club" Scam 49.95 Bogus Charges Plus UniGuard "Membership Internet

I've filed fraud charges with the bank - here's my Ripoff submission:

Submitted to Ripoffreport.com, several payday loans, the BBB and other places:

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I had to take out a Payday loan on-line. In the submission form there were several things I unchecked so I would not be bothered for additional information, services, etc. Among them were the discount club 777saveclub.com

The next day the Payday loan was in my account along with TWO hits by 777saveclub for 22.99 each. I called them on 1-8-10 to ask why they had hit my account. The person that answered seemed a bit clueless but said she would handle it. So I called back on the 9th and the person told me that they were sorry but the money would be back in my account within a week.

After a week I called back and was told that they should have said the refund would be there within 7-10 business days. So I waited a few more days. I called back on 1-22-10 and asked where my money was and was told that a check was in the mail. I asked for how much and they told me 22.99. That was only half as they hit my account twice. She went to talk to her supervisor who told her the money would be in my account in two-three days.

I called again around the 25th or 26th. I was told that the money was not going into my account but that they had mailed another check that should be here any day.

Today is the 29th. Just got off the phone with a lady who said that I called to cancel on the 9th but I never asked for a refund. I asked her how that could happen since I never ordered her service in the first place and that was the only reason I had ever called. She had no answer other than to tell me I was incorrect and had not asked for a refund.

ADD - she also told me that the bank 'refused' a credit they had issued on the 22nd. Strange how that could happen when she just told me that I never asked for a refund.

These guys are simply low-lives. I've already filed fraud charges with Compass bank and am sending a copy of this to the Payday company along with the BBB and anyone else I can think of.

Their fax is 888-385-2668, phone 888-895-6053. Another number on the website is 866-575-0261.

I found this address online:

ZZD LTD
21 Gladstone Street
County Durham
Consett DH8 6AQ
United Kingdom

Mailing Address For US Customers

10869 North Scottsdale Road Suite #103-PMB176
Scottsdale, AZ 85254

Another address is:
8390 E Via De Ventura, F/110 PMB132
Scottsdale, AZ 85258

Another associated website is http://www.yoursaveclub.com/
866-575-0261

This is in response to Dee's comment about how UniGuard is not a rip-off & how we all somehow managed to really want to sign up for their services.  Just so you know, I actually checked NO on all services offered, there was not one single box that was checked YES.  When I checked No, that means that I do not want the services & that I do not authorize money to be withdrawn from my account.  But UniGuard did make the unauthorized withdrawal, therefore this is a scam.  It appears that if you just happen to view an offer from this company, you are automatically signed up for their services.  I had no idea that I was at all until money was taken out of my account.  DEE mentioned something about a cancellation policy, I had no knowledge of being signed up, cancellation policy, etc because I never received any information from this company.  You would think that if I had legitimately signed up for this service that I would've received some sort of information via email about my login information, the services I now have access to, all the benefits, & oh yeah the cancellation policy.  But guess what I did not receive anything & I'm willing to bet that neither did anyone else who had money taken out of the accounts without their knowledge.  Again, this means it is a scam.  I'm guessing either DEE works for the company, is part of the scam, or maybe by chance a happy customer - maybe because DEE you actually selected the Yes checkbox, where the rest of us being ripped off DID NOT!!!  Do you actually think that all of us selected YES & then changed our minds so we are all claiming to be ripped off, there are way too many complaints for that to be the case - wake up & do some research!

The Freedom Subscription Club and the Uniguard Plus membership are completely bogus. I canceled with them and was never refunded money that I was promised. They even sent a strange e-mail that just was labeled "Customer Service" without company logo or address or anything that a legitimate company would have. Further when I did some investigating I found out that they rarely refund anything that they have sucked out of somebody's account. If I were a consumer the last place I would go would be your company Dee for any type of advice.

Good luck to all the consumers who have been swindled by this company preying on the desperation of Americans if these hard times.

Toady jan 24th just over 30 mins ago i checked my account for some reason  and was presented with ins charges plus 19.95  charge from this scumbag company

I never used my account this past week because i knew there was no money left in it beings it was end of month and my SSI dosent go in unntil the 3rd day of next month

I never clciked any Box never was on phone with uniguard never signed up anything this past week because MY wife who uses the checking account to pay bills was ill past 7 days wasnt even on the internet at all  when these fraudelent charges appaeared on the 19th of Jan  !

There fore DEE blah blah shove it up your A$$ because YOUR lying YOUR filthy criminal comapny hacked my account and stole my money  $19.95  PLUS $35 INS

LIAR Theives Criminals should be shot up against the wall with no blindfolds

I have dealt with large businesses Than YOU  and won every case

Sprint , Best Buy ,  E bay 

THEFT is Theft  online or real world do not back down be adamant YOU are a citizen of the USA YOU have rights and are protected

Contact  the FBI squad 8  DIV the FTC and CPA and Atorney General's Office
IF neccasary take them to court and file a multi Million Dollar calss action suit

also take YOUR story to the Media TV and Radio and Newspapers is still the most powrful surce of information

I'm guessing that since Dee lives in Naples FL and seems to have some vested interest in Rip-off Subscription, or Freedom subscription that she is involved with them in some way, seeing as that one of the addresses listed for this bunch of criminals is in Naples.

I was actually glad to see that they have an office in Naples, that means I'll only have to drive a couple of hours to get to their office to collect my NSF charges that they created for me with their Illegal withdrawal of funds from my account.

I figure that they can break the law and  illegally withdraw funds from my bank, and create a dominoe effect of NSF charges for me. So I guess I'll drive to Naples and either get my money or get my moneys worth.

People that do s**t like this should be hung on the town square at first light on sunday morning.

Get ready Freedom Subscription, I'm gonna deliver a subscription for you.

The lenghty dialogue from "Dee" is just so much double talk, to avoid the fact it's illegal to charge "up front" for a loan. People, 'ya got screwed and "Dee" and her ilk know it.

There's an old cliche about car dealers:

Q: How do you know when  a dealer is lying?

A: When his lips are moving.

Dee's dialogue couldn't have been better composed or spoken by a car dealer. The similarity is striking!

This letter is in response to those who have posted complaints about the services promoted through the program known as Uniguard Plus. This program is popular with those who are looking for various discounted services in legal, tax, and credit counseling.

These services are offered to those who are willing to accept them, not as a scam. Consumers who have gone to various payday loan, insurance and other helpful websites were shown other offers and given the option to take the offer. The Uniguardplus offer was one of those offers. They are not stealing money from peoples checking accounts.

They only enroll customers who have checked the Yes box in the offer. This is not done automatically and must physically be done by the customer. When this offer is checked there is a date and time stamp recorded in the system verifying the order was placed.

This offer is NOT automatically processed and is not part of the payday loan or any other online offer. Once this box is checked an email is sent to the recipient advising them of the program and how it works. The consumer has a 7 day free trial and can cancel at any time during that period and is not charged. After the 7 day free trial the consumer is charged the membership fee. If they want to cancel at any time during the first 30 days they are entitled to a full refund. If the customer does not cancel the membership they are charged on a monthly basis for as long as they keep the service.

There are plenty of satisfied customers using the Uniguardplus service for legal, tax help and credit counseling. Along with the membership, customers also receive a $100 retail rebate certificate which more than covers the cost of the program for the first 5 months. This certificate is sent via email once the first membership payment has been made.

Uniguard does realize that everyone is different and they do their best to treat every customer with respect and dignity. They are not a rip off scam nor do they desire to take money from peoples bank accounts without their knowledge. Out of the thousands of satisfied customers, a very small percentage seems to be either confused about what they agreed to or simply feel the need to lash out because they cant afford the small monthly fee and for some reason, wont call customer service for a refund.

As for the posts on blogs there is incorrect information posted. Uniguard Plus is NOT affiliated with Freedom Financial or any other internet program. They do not run an internet or domain name scam so any reference to this type of activity is totally unfounded. There is little they can do about what people say. All they can do is remind the public that they need to understand when checking a check box offer on a website they need to read and understand the rules of that program.

Uniguard would appreciate these blogs posting their position and give them the same dignity as they give those who would speak ill of them.

For those who want to cancel their Uniguard Plus membership please contact the customer support number 877-890-1250.

I filed with the Federal Trade Commission and FBI Internet Fraud Department.
Thanks for your information.

I was a victim of Freedom subscriptions as well. and in my desperation they caused me a lot of problems. Since that time I have vowed to never go on line for a loan with a company I have never dwelt with. Freedom subscriptions told me it would take 30 days to get a refund and they would issue a check by mail. I did a lot o research on this company and really hate that in this country they are allowed to take advantage of people. I went to my bank and explained what happened they gave me a refund and returned the overdraft fee. They were very understanding. this company physical address is 5190 Neil Rd in Sparks NV, you can also login into their website by going to www.membershiplogin.com username is customer651 pw 651651 you can look at the services they provide. which is nothing I wanted. I wrote to consumer affairs Belfort Capital replied. So I had to send another letter giving the exact details which they did not. If you are needing to borrow money why would sign up to spend $49.95? that is my question. This company should be prosecuted they are criminals. the un/pw provided above is universal, I had to trick them to get it. No matter how the person at the bank treated you they have no right to judge.... I am seeing just how many crooks are out there b looking at this website. Something must be done.

GOD BLESS