Iworks Inc Is Associated With Horizon Finance, Highlands Finance, Ken Cooper (ken@cooperbunker.com), Stacy stacy@cssupportcenter.com, Kristen kristen@cssupportcenter.com, Etc... Iworks Inc. promised me at least $20,000 in grants. Unfortunately, I now have a debt of $6,000 from Horizon Finance in my credit report. St. George Utah

Iworks Inc. promised me at least $20,000 in grants. Unfortunately, instead of having some money to pay off my college education, I have a debt of $6,000 from Horizon Finance (one of Iworks' partners in crime) in my credit report.

In the beginning of 2005, I received a telephone call from Stacy @ Iworks. This lady told me that her company was able to find me grants up to $60,000 or at least $20,000 (worst case scenario). After talking to her for a few times, I decided to take the offer. I was introduced to Stacy's supervisor. The supervisor said that if I signed up today, I will be expecting my thousands of dollars in as little as 120 days. Anyhow (said the supervisor), you (Kevin) must put a down payment of $600 to finance $7000. I told the supervisor that $7,000 is a lot of money to pay for something that is not guaranteed. The supervisor swore on her grandmother's grave that I would get my thousands of dollars. Anybody that makes a comment like that must really be looking forward to eternity in hell if he or she can't backup what was promised.

Once I joined the grant program, I was welcomed aboard by Kristen and introduced to Ken Cooper the great grant master. This Cooper guy made me jump hoops before the completion of my grant letter. A few weeks later after I sent over 50 grant letters, I got displeasing replies. The Melinda and Bill Gates Foundation, the Ford Foundation, W.K. Kellogg Foundation, David and Lucile Packard Foundation, and a great many more replied that they are not allowed to give grants to individuals because of IRS reasons.

Iworks, maybe the Melinda and Bill Gates Foundation are just cheap and selfish; if so, then the Ford, HP, and Kellogg Foundation are also the same way. There should be a boycott against Microsoft and Ford Motors for being cheap and selfish. It is too bad for you, Iworks, that the foundations I just mentioned are neither cheap nor selfish. These Foundations have ethical practices and cannot do what the government forbids.

After four months into the Iworks grant program, I received no money from any foundation. I still paid $200 a month for a whole year because I did not want to jeopardize my credit. Once I stopped making payments, I was contacted by Horizon Finance, then by Highlands Finance. I told these two companies that I will not be paying any more money until I get my $20,000 which I was promised by Iworks. I, then, contacted Kristen @ Iworks and she told me to keep paying the finance company: You must give it time. What kind of bullshit is that? Iworks cheated me out of $3,000 and want $5,500 (after finance charges) more. The stupid lady from Highlands Finance told me that if I did not pay my remaining balance, it would hurt my credit. I explained to her about Iworks, but she ignored me. I asked what happed to Horizon Finance: She said that her company is partners with Horizon Finance. I said, that is right, both of yah are partners: Partners in crime that is! After hundreds of phone calls from these finance companies, I started saying f***y** each time they called and then hung up. It is too bad they stopped calling me: I want to be able to take my frustrations out on somebody.

Below are examples of how Iworks sets up their clients and also how foundations refuse to go along with Iworks' illegal practices.


Illegal:
Signature Request
A Horizons Finance document has been prepared for your online signature.

Instructions: When you click the link below, you will see your document. In order to electronically sign please click the indicated signature activation area (Click Here to Sign) on the bottom of the document.
Please click here to view the document after which you may electronically sign and seal the
document

If you need to copy and paste the link into your Web browser, please copy this transaction specific link:
https://pronto1.alphatrust.com/prontosvr2/docsign.asp?SigID=1001677883&at=C888ECB43FA327DB68878EB6191E8FA9C210A8D6
I certify that the email address and information I provide are correct and belong to me. I agree that when I "Click Here to Sign" and affix my name it will be my legal electronic signature in lieu of a paper-based signature.
If you have any questions regarding this document or this transaction, please contact the person whose email address appears above. This is an automated message.
Horizons Finance
800-219-2214

*****************************************************
Illegal:

First of all, Kevin, I would like to say Welcome aboard the Success Team!

Let me take a moment to introduce myself. My name is Kristen and I am a member of your support team. You can reach me or a member of our team at 877-235-7005 Monday-Friday from 9-6 (MST). We are here to assist you with any questions that may arise while you are getting your program up and running.

There are a few things you will need to keep for your records and they are:
Your client ID# which is: ******. You will need to reference this number when you contact the company. Please reference this number if you leave a message or send an e-mail so we can identify and assist you promptly.
If you have not been contacted by your coach with in two business days please contact Customer Service.
Please don't forget you have unlimited e-mail support from your personal coach. They will be contacting you to assign your coach. They will provide you with their email. If you need to contact them, their toll-free number is 866 986 8291 or 866 458 8200.

***********************************************
Illegal:

We are excited to have you aboard out team and look forward to building a great working relationship with you over the next few months. We hope you will take advantage of everything we offer to assist you in being successful. If you have any questions or if concerns arise, please do not hesitate to contact us, we are here for you!

Kristen

Once again, Congratulations!

**************************
Abiding by the Law:

Dear Mr. Kevin ********,
Thank you for your interest in the David and Lucile Packard Foundation. One of the most difficult aspects of foundation work is being unable to provide assistance for very worthwhile causes.

Under the Internal Revenue Service (IRS) regulations that govern our grantmaking, we are not allowed to provide grants to individuals; only to nonprofit organizations recognized by the IRS as a 501(c)(3) organization.

I would like to suggest, however, that you visit the Foundation Center's Web site (www.fdncenter.org) as an alternative resource. Their grantmaker Web pages (located in the Finding Funders section) provide direct links to nearly 2,000 philanthropic organizations, which I hope will be helpful to you.
Regards,

Cathy Winter
Office of the President and CEO
The David and Lucile Packard Foundation

*****************************************************
Abiding by the Law:

Dear Mr. Kevin *****,
Unfortunately, the Kellogg Foundation does not scholarship or study grant programs in which we can provide the assistance you are requesting. We hope you are able to secure the necessary funds from other sources. Thank you for your interest in the Kellogg Foundation.
Central Proposals Processing
Office of the President
W.K. Kellogg Foundation
(269) 969-2329
Letter of Inquiry dated February 13, 2006?
From: loi (loi@hewlett.org)
Sent: Wed 2/22/06 10:21 PM

*************************
Abiding by the Law:

Dear Kevin ********,
We have received your request for scholarship money and will be unable to help. The Foundation does not have a scholarship/financial aid program and cannot legally provide funds to individuals for any purpose. We regret we are unable to help, but please be assured your request was carefully examined.

The William and Flora Hewlett Foundation

**************************

Iworks, my proof is very solid. God knows how many people are going to read this report and research your company. Prove me wrong! If there is a solution to this problem, then resolve it. If this matter can be resolved, I will definitely give credit where credit is due. Maybe there is a misunderstanding, but until there is a solution, your company is close to tarnish if not tarnished already.

Kevin
Stafford, Virginia

Kevin
Stafford, Virginia
U.S.A.