• Report: #548958

Complaint Review: Ghs Debt Solutions

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  • Submitted: Sat, January 02, 2010
  • Updated: Wed, January 27, 2010

  • Reported By: CELIA — Tuscola Illinois United States of America
Ghs Debt Solutions
DelRay Beach, Florida United States of America

Ghs Debt Solutions Clear Credit Solutionsllc Why not kick us when we're down!! DelRay Beach, Florida

*REBUTTAL Individual responds: HOW CAN YOU N SAY YOU DIDN'T UNDERSTAND WHEN YOU SIGNED EVERY PAGE

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My husband was deployed in October, 2008.  I decided to "surprise" him by signing up with GHS Debt Consolidation on January 28, 2009.

I found this company on the Internet, checked them out to make sure they were a legitimate company, and they came across as one I could trust.

I called their toll free number, talked to a Senior Debt Analyst, Richard Goldefer, who made you feel comfortable, and that they'd really take care of your credit problems.

I did a "DocuSign" after he'd emailed me a report.  A "DocuSign" is basically an electronic signature from you, so I signed the document online, instead of waiting for him to mail it.

When I was done signing, we went over our credit report, talked about a monthly payment, which was $500.00. Then, I thought, everything was to begin, and our credit problem would be taken care of sooner than we'd ever hoped.

A couple of weeks ago, I received a letter from GHS, stating that until a Power of Attorney was signed, they were not allowed to contact any of our creditors, or worse, they weren't able to even start paying them.

I called them immediately, and again was told by some customer service rep., that all they needed was the Power of Attorney signed, and they could begin.  After all the months of paying $500.00 a month, all of a sudden they "realize" it had not been signed?

I do not even remember being told about this Power of Attorney.   When I asked the amount that was in our account, that they were to use to pay off our creditors, we had  $1,100.00!!!!!!  They were paying themselves $241.00 a month, even though they were not doing what I was allowing them to debit my checking account $500.00 every month!

So, my biggest question is, who ever gets paid for work they were supposed to be doing, and never even began the job which I believed they were doing?

To make matters even worse, I told them I wanted my money back, considering I was sitting in the same place I was all those months ago.  I said I was no longer doing business with a company whose real job seemed to be to rip consumers off!

We had to sign another form, showing our termination with them.  Then we were told our refund from them would be the whopping amount of $400.00!!  Our $1,100.00 sitting in our savings account??  Who knows why they felt that they deserved another $700.00 from us??  I wish somebody could tell me!!! 


This report was posted on Ripoff Report on 01/02/2010 10:57 PM and is a permanent record located here: http://www.ripoffreport.com/r/Ghs-Debt-Solutions/DelRay-Beach-Florida-/Ghs-Debt-Solutions-Clear-Credit-Solutionsllc-Why-not-kick-us-when-were-down-DelRay-Beac-548958. 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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REBUTTALS & REPLIES:
0Author 0Consumer 1Employee/Owner
Updates & Rebuttals

#1 REBUTTAL Individual responds

HOW CAN YOU N SAY YOU DIDN'T UNDERSTAND WHEN YOU SIGNED EVERY PAGE

AUTHOR: RICHARD - (United States of America)

This is the second time I have tried to file a rebuttal on this complaint.When Celia Adams contacted our company about getting information about our program I was the analyst assigned to her.I spend alot of time with my clients ,understanding there situation and explaining our program to them.I not only explain what we do but also the options that are availabe to them whether we offer them or not.After spending much time with her she agreed that our program would help her in her situation.Not only was everything explained to her verbally ,but a 16 page agreement was also sent to her that very specifically explains the program to her.When I recieved a very nasty email from Celia,I tried to call and email her many times to find out what her problem was to no avail.Debt settlement works and you need to have patience. All this and more was explained.I help people out of their unfortunate situations all the time and my personal code of ethics dictates that I over explain how our program works so that client have the information to make educated decisions.My dealings with Mrs. Adams werre no different.How can you say you were mislead when everything was written out for you and you signed every page that broke down how the program works. I'm sorry that Celia feels that we didn't do as we said.She was not in the program long enough to let us do our job.If i wanted to screw with people i would work for a collection agency but i like what I do because I get to help people.

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