- Report: #130115
Report - Rebuttal - Arbitrate
Complaint Review: Express Consolidation
Express Consolidation413 NE 3RD Street Delray Beach, Florida U.S.A.
Express Consolidation is a complete SCAM, RIPOFF! Preying on people already struggling. Delray Beach Florida
A few months later, I was able to completely pay off the creditors who were in the consolidation program, so I wrote a letter of cancellation, and requesting a refund of my initial deposit. They informed me it would take at least weeks to see a refund check. So I waited patiently.
Finally after several months of no response, I called to find out when I might expect my refund. They informed me that I was not eligible for the refund because I did not successfully complete the program.
In the contract, it does not say, 'upon successful completion of the program,' but once I had, 'successfully completed all payments in the program,' I would get a refund. Well, obviously I had completed all payments in the program successfully as I paid off my debts.
In the very next point in the contract, it states that, 'monthly payments will continue until (i) all creditors included in the program are paid in full, (ii) CLIENT cancels the program in writing, or (iii) RLL cancels the program in writing,' leading you to believe that you will get a refund if you CANCEL, not only if you complete EVERY SCHEDULED PAYMENT IN THE PROGRAM!
I would like to strongly discourage anyone who is seeking financial help from using the services of Express Consolidation. They make money by preying on unsuspecting people who are already in financial trouble. They are misleading, dishonest, difficult to contact, and have extremely poor customer service. Please consider ANY other option before utilizing their services.
Kansas City, Missouri
This report was posted on Ripoff Report on 02/04/2005 10:35 AM and is a permanent record located here: http://www.ripoffreport.com/r/Express-Consolidation/Delray-Beach-Florida-33483/Express-Consolidation-is-a-complete-SCAM-RIPOFF-Preying-on-people-already-struggling-De-130115. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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