• Report: #357989

Complaint Review: J. O'Neil & Associates - "JONA" - "World Outlook"

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  • Submitted: Thu, July 31, 2008
  • Updated: Fri, September 21, 2012

  • Reported By:Stafford Texas
J. O'Neil & Associates - "JONA" - "World Outlook"
10004 Bissonnet Box 135 Houston, Texas U.S.A.

J. O'Neil & Associates - "JONA" - "World Outlook" BOGUS "SCAM" COMPANY ROBBED MILLIONS OF DOLLARS FROM AGENTS AND CLIENTS Houston Texas

*Author of original report: Father & son SENTENCED!!

*Author of original report: Nathaniel Chilo pleaded guilty today!!

*Author of original report: O'Neil PLEADS GUILTY TODAY!!!

*Author of original report: 2012 TRIAL IN HOUSTON

*Author of original report: Contact Secret Service HOU DHS

*Consumer Comment: Believe I was scammed and am interested in taking action

*Author of original report: O'Neil & Son have been ARRESTED!!

*Author of original report: World Outlook Management aka J.O'Neil & Associates

*Author of original report: O'Neil FCIC scam in DEFAULT!!

*Author of original report: Rebuttal #60 exposes O'Neil's scam...

*Consumer Comment: Dont use JONA no matter what he says

*Author of original report: DHS Secret Service "FRAUD ALERT" on O'Neil!

*Author of original report: Secret Service investigating O'Neil!

*Author of original report: Your stories help expose this THIEF!!

*Consumer Suggestion: Ripped off by J'Oneil JONA in Texas

*Author of original report: O'Neil FCIC SCAM!!!

*Author of original report: www.universalrestoration.biz SCAM!!

*Author of original report: Universal Restoration? HA-HA!!!

*Author of original report: New program? New LIES!!!

*Author of original report: FCIC payments are BOGUS!!

*Author of original report: JEFF O'NEIL is a BOGUS lobbyiest!!!

*Author of original report: New BOGUS scam!!!!

*Author of original report: BUYER BEWARE!!!

*Author of original report: Why is Box 5540 FULL everyday?

*Author of original report: $50 surcharge paid for website....

*Author of original report: World Outlook website is down....

*Author of original report: Justice...

*General Comment: first contact

*Author of original report: Another victim speaks out....

*REBUTTAL Individual responds: Ripped of as well

*Author of original report: Click on "Redacted"....

*Author of original report: Mr. O'Neil reads this report...

*Author of original report: How to Network

*REBUTTAL Owner of company: All Anonymous Posters

*Author of original report: How to network....

*Author of original report: How to communicate...

*REBUTTAL Individual responds: Story

*Author of original report: Privacy issues...

*Author of original report: Post ur story, agent & refund info...

*REBUTTAL Individual responds: PM

*General Comment: Would like to help out pt 2

*REBUTTAL Individual responds: PM

*Author of original report: Tell me your story....

*General Comment: Would Like To help out

*Author of original report: I need agent name and refund info

*Author of original report: Tell us your story...

*REBUTTAL Individual responds: Please send me a message

*Author of original report: Join the fight....

*REBUTTAL Individual responds: Please let me help

*Author of original report: Forfeiture of corp entity

*Author of original report: Injunction against Mr. O'Neil

*Author of original report: Expect LOTSA profanity in the next few posts...

*Author of original report: A BIG FAT F....

*Author of original report: website for victims of JONA

*Author of original report: Jeff O'Neil continues to be a thief...

*Consumer Suggestion: Nonsense

*Author of original report: Posting of websites not allowed

*Author of original report: Master of deceit

*General Comment: How the DRP Really works

*UPDATE EX-employee responds: The truth and proof

*General Comment: Final Warning

*UPDATE EX-employee responds: listen

*Consumer Comment: FALSE

*UPDATE Employee: WOWWWW!!!!!!

*Consumer Comment: Bull s***!!!!!!!

*REBUTTAL Individual responds: Agents are the rip-off for J. O'Neil & Assopciates

*Consumer Comment: Agents are the rip-off for J. O'Neil & Assopciates

*Author of original report: OCT 2008/UPDATED JONA INFO

*Author of original report: Word gets around!!!

*Author of original report: Word gets around!!!

*Author of original report: Word gets around!!!

*Author of original report: Word gets around!!!

*Author of original report: NEW JONA "NOVATION" law program, emails & cell phone.

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Jeff O'Neil has been scamming his agents and clients since early 2002. During his conference calls he sounds very credible with all his "legal" terminology due to his paralegal background. He lies about his success stories and uses agents as testimonials.

In 2006 he gave gave hope to his clients that the FTC was going to acknowledge his complaints. Nothing happened. Then he promised that he was lobbying with the SBC. Nothing happened. Then in 2007 he had his marketing company and agents go through all this paperwork mumbo jumbo with the OCC. The OCC discovered that he was a phony and wrote an article warning the public about him. Again, nothing happened.

Clients have been receiving judgements and have had to file bankruptcy while they wait for something to happen.

Now in 2008 he is involved in this so called "Injunction relief" with the SBC. He promises all his 5000 clients who are on this list that they will be debt free as soon as the Supreme court hears their grievance. Everyone is tentatively awaiting to see the results.

There are two groups on Proboards that are active that discuss "JONA" or the J'O'Neil & Associates. Google "Jona Proboards" and click on the most recent postings. You will find the latest discussions on this shameful company.

Agents try to defend Jeff O'Neil by claiming that he continues to "fight" for the people, yet, there are so many members on the board who are in deep trouble and they cannot talk to the "Messiah" directly. He will not return their emails or calls (he's changed numbers so many times). Apparently he has a P.O. Box because he got evicted from his last office. He's in trouble with the law so he is only available through secret conference calls distributed by his cronie agents.

Anyone falling for Jeff's pie in the sky outta run the other way. He will educate you on the credit card and bank industry but it will cost you over $5K and you will eventually default in your debts.

BEWARE of the sweet talking O'Neil and ilk.

Jona agent
Stafford, Texas
U.S.A.

This report was posted on Ripoff Report on 07/31/2008 09:39 PM and is a permanent record located here: http://www.ripoffreport.com/r/J-ONeil-Associates-JONA-World-Outlook/Houston-Texas-77036/J-ONeil-Associates-JONA-World-Outlook-BOGUS-SCAM-COMPANY-ROBBED-MILLIONS-OF-357989. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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Updates & Rebuttals

#1 Author of original report

Father & son SENTENCED!!

AUTHOR: Jona agent - ()

July 13, 2013 Jefferey O'Neil & son Nathaniel Chilo were sesntenced in federal court for violations of mail fraud.

O'neil was sentencedd to 78 months in federal prison (6 1/2 years) and required to pay restitution of almost $700,000.00. Chilo was sentenceds to 70 months (5 years 10 months) and required to pay $103,000.00 in restitution. 

If you would like additional information, the U.S. Attorney's office will be running a press release with details that can be located on the internet under the website for the U.S. Attorney, Southern district of Texas.

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#2 Author of original report

Nathaniel Chilo pleaded guilty today!!

AUTHOR: Jona agent - (U.S.A.)

Nathaniel Chilo (Jefferey O'Neil's son) pleaded guilty today, so we wont be going to trial on Monday. His court date for sentencing is scheduled for December 21, 2012
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#3 Author of original report

O'Neil PLEADS GUILTY TODAY!!!

AUTHOR: Jona agent - (U.S.A.)

Jeffrey ONeil pleaded guilty today, to the charges brought against him by the United States Attorneys Office, Southern District of Texas.  So there will not be a trial for him.

We do not know whether Nathaniel Chilo will plead guilty or not, but if he does, it will probably be next week.  The judge has continued Chilos portion of the trial to September 24th.
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#4 Author of original report

2012 TRIAL IN HOUSTON

AUTHOR: Jona agent - (U.S.A.)

Status hearing is scheduled before Judge Ewing Werlein, Jr for JANUARY 13, 2012, 11:00AM at Courtroom 11D, United States District Court, 515 Rusk Ave Courtroom 11D, Houston, 77002.

Trial is scheduled before Judge Werlein Jr on FEBRUARY 21, 2012, 09:00AM at Courtroom 11D.


All victims should contact:

justice DOT gov/usao/txs/1Programs/Victim%20Witness DOT html
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#5 Author of original report

Contact Secret Service HOU DHS

AUTHOR: Jona agent - (U.S.A.)

The information is on Post #59
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#6 Consumer Comment

Believe I was scammed and am interested in taking action

AUTHOR: cbass - (USA)

I entered the new DRP program in 2009 and was just sued by American Express, so I settled with them prior to getting a judgment against me.  This was just on Monday this week.  Now, I see Mr. ONeil was arrested.  I am interested in how we can go about getting our money back from him?  I put in about $4000 to the program plus the check to the "FCIC".

Any information is greatly appreciated.

Thanks!

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#7 Author of original report

O'Neil & Son have been ARRESTED!!

AUTHOR: Jona agent - (U.S.A.)

(CONFIRMED TODAY BY SPECIAL AGENT LEA BAUER HOU DHS)


Southern District of Texas- United States Attorney's Office


Houston Man and Son Indicted For Fraud
 
Aug, 25, 2011


HOUSTON - Jeffery Wayne ONeil, 63, of Houston, has been arrested following the return of an indictment charging him and his son, Nathaniel Chilo aka Nathaniel ONeil, 21, with mail and wire fraud, United States Attorney Jos Angel Moreno announced today.
 
Jeffrey ONeil was arrested last night by United States Secret Service agents without incident. He made his initial appearance before U.S. Magistrate Judge Mary Milloy and was released on a $50,000 bond. A warrant remains outstanding for the arrest of Nathaniel ONeil. Anyone who has information regarding his whereabouts is asked to contact the United States Secret Service at 713-868-2299.
 
The 10-count indictment, returned under seal on Aug. 11, 2011, was unsealed today following the arrest of Jeffrey ONeil. The father and son, both of Houston, are charged with six counts of mail fraud and four counts of wire fraud. Jeffery ONeil operated various debt relief businesses in the Houston area under different names, including but not limited to J. ONeil/Associates Inc., World Outlook, World Outlook Management and Universal Restoration, none of which were licensed by the Texas Office of Consumer Credit Commissioner, according to the indictment.
 
The indictment alleges a scheme allegedly perpetrated by the ONeils between June 2005 and September 2010 which consisted essentially of a plan to obtain money from individuals throughout the United States by representing that in exchange for paying money for entering into various programs they offered, they could provide debt relief in the form of credit card debt, tax liens, mortgage foreclosure, judgments. The ONeils allegedly used agents in various parts of the United States to solicit, communicate with and receive payments from individuals seeking debt relief and the ONeils communicated with agents and individuals seeking debt relief by and through e-mails. The defendants allegedly falsely represented and caused others to falsely represent that debt relief would be obtained through the Federal Trade Commission, the Senate Banking Committee, the Office of the Comptroller of the Currency (OCC), through injunctive action, and through a program called the Debt Reconciliation Program or Debt Relief Program, referred to as DRP. According to the indictment, Jeffery ONeil falsely represented and caused others to falsely represent that he worked with the Financial Crisis Inquiry Commission.
 
Additionally, the indictment alleges the scheme further involved the sending of emails to include an altered speech by Ben Bernanke, Chairman of the Board of Governors of the Federal Reserve System, which falsely include statements about a debt reconciliation proposal sponsored by World Outlook Management as well as a fraudulent calendar for the Judiciary Committee of U.S. House of Representatives. Also, the ONeils allegedly created Fair Credit Investigation Company, an entity bearing the initials FCIC, the same as the Financial Crisis Inquiry Commission which was falsely represented as a debt relief program. The ONeils allegedly caused individuals throughout the United States to send checks payable to the FCIC to an address in Houston, to obtain credit card debt relief. When, in actuality, according to the indictment, the majority of the funds were used for the ONeils personal benefit.
 
The indictment also contains a notice of forfeiture seeking forfeiture of $617,000, the alleged proceeds from the illegal activity alleged in the indictment.
                                                                                                                                                                                          
Each count of mail fraud and wire fraud carries a maximum penalty of 20 years imprisonment and a fine up to $250,000.
 
The case was investigated by the United States Secret Service and is being prosecuted by Assistant United States Attorney John Braddock.
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#8 Author of original report

World Outlook Management aka J.O'Neil & Associates

AUTHOR: Jona agent - (U.S.A.)

O'Neil is using a new email address: house of rep 112( AT) usa (DOT)com. Once again he is scamming his followers and cheating the American People he claims to protect.
missredmond (DOT) proboards (DOT) com will show you the latest tactics of this dangerous predator. He can try to run, but he cannot hide. HOU Secret Service is on to him.


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#9 Author of original report

O'Neil FCIC scam in DEFAULT!!

AUTHOR: Jona agent - (U.S.A.)


"CORRUPTION is as CORRUPTION does!!" 8-)

www(DOT)youtube(DOT)com/watch?v=6MT3CihStFQ&feature=related



RUN JEFFREY, RUN!! :o


F.C.I.C., Credit Services, LLC (Corporation in DEFAULT)

www(DOT)fcicllc(DOT)org

www(DOT)nvsos(DOT)gov/sosentitysearch/CorpDet....253d%253d&nt7=0



RUN NATHANIEL, RUN!! :o


Universal Restoration (Website removed)

www(DOT)universalrestoration(DOT)biz/1(DOT)html

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#10 Author of original report

Rebuttal #60 exposes O'Neil's scam...

AUTHOR: Jona agent - (U.S.A.)

@ JTEXAS:

WOW, JUST WOW...and THANK YOU!!

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#11 Consumer Comment

Dont use JONA no matter what he says

AUTHOR: jtexas - (USA)

What is this guy doing stating that he has gotten the blessing SO SOON from the U.S. Secret Service?  Anyone know an investigating branch of the government that within an hour meeting concludes anyone is innocent when hundreds, if not thousands, of people are claiming they were misled, cheated and ultimately robbed?

Very few can say they have been waiting more than 5 years after giving O'Neil $5000 and he has never once provided any relief for my credit card debt.

There was supposed to be a 6 month, $100 per card guaranteed refund, which after about 2 years I asked for multiple times and each time he just told me to wait longer OR for ME to give him yet more money for new programs and that I was getting a discount into his newer programs.

If you sign up with this guy, you are going to regret it for life.  I know you probably are desperate and can think of no other way, but I promise you that you'd be better off contacting your credit card companies/collection agencies and trying to negotiate a 30% to 40% payoff with whatever cash you give to O'Neil.

Don't give him a dime.  Think about it... what interest would people have in coming in here to discredit O'Neil unless it were true?  It's not like there are competitive organizations trying to compete with O'Neil in his quest to prove credit card debt illegal.
He's the only one -- oh and why is he asking for so much money up front and why does he only offer a $100 per card refund? 

Heck, maybe I should make wild claims like he does... charge people $5000 and then try for a few years to get some government agency to wipe it out.. then when that fails, I might consider giving back 10% in refunds and keep the 90% for myself and retire rich beyond anything I ever imagined.

Save yourself the pain and heartache of even more regret on top of whatever led to your debt in the first place.

Avoid JONA and J. O'Neil as though your life sanity depended upon it.


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#12 Author of original report

DHS Secret Service "FRAUD ALERT" on O'Neil!

AUTHOR: Jona agent - (U.S.A.)





From: HAFTF
Sent: Tuesday, October 05, 2010 3:50 PM
Subject: FRAUD ALERT: Please contact the United States Secret Service regarding Jeffrey O'Neil / WOM / JONA


This is notification that the United States Secret Service and the Houston Area Fraud Task Force (HAFTF) are conducting an investigation into the business dealings of World Outlook Management, JONA, and its representatives.

The HAFTF is a federal task force, housed at the offices of the United States Secret Service, 1801 Allen Parkway, Suite 200, Houston, TX 77019.

It has come to the attention of the Secret Service and the HAFTF you may have been victimized by World Outlook Management and its associates, including Jeffrey ONeil. World Outlook Management falsely represents being associated with various government entities to influence its clients to pay funds into various debt reconciliation schemes. Some of the schemes include:

1) Being a member of a Congressional List and owing a Daily Periodic Rate

2) The requirement to make payments to the Financial Crisis Inquiry Commission (FCIC)

3) Payment of sanctions by banks, as required by hearings conducted on the victims behalf by the Senate Banking Committee

4) The elimination/restoration of client debt based on a Novation Agreement

5) The elimination/restoration of client debt based on the Debt Reconciliation Program

6) The purported association between World Outlook Management / Jeffrey ONeil and various federal entities, such as, the Senate Banking Committee, Office of the Comptroller of the Currency, the Federal Reserve Board and/or System, the Federal Trade Commission, and the Financial Crisis Inquiry Commission

None of the above-listed programs, schemes, or associations are legitimate.

These schemes are designed to defraud victims of an up-front fee that typically ranges from $400 to $7500. As a result of using a fraudulent scheme, victims could lose money and property, and damage their credit record. In addition, the creditor may take additional legal action against a borrower to resolve a fraudulent attempt to eliminate a borrowers debt.

Any information you have concerning these matters should be brought to the attention of HAFTF law enforcement and/or the United States Secret Service. Please contact Special Agent Lea Bauer, HAFTF, at the United States Secret Service, 1801 Allen Parkway, Suite 200, Houston, TX 77019 (713) 374-3730, or HAFTF@usss(DOT)dhs(DOT)gov




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#13 Author of original report

Secret Service investigating O'Neil!

AUTHOR: Jona agent - (U.S.A.)

For all of YOU who are tense and worried about your present garnishments, lawsuits/summons & creditor calls, here is O'Neil's attempt to appease you. This is an INSULT to all of you (including myself) who trusted him. :-/

And as far as the "SUPPORT" emails, they mean NOTHING to those who are suffering and going crazy wondering how to get out of the mess they're in!! Some of you are worse off than when you started!! :-[

SHAME, SHAME ON YOU MR. O'NEIL & TO THOSE WHO CONTINUE TO SUPPORT YOU. YOU KNOW WHO YOU ARE!! >:(
---------------------------------------------------------------------------------


-----Forwarded Message-----
From: lobby41190@mail.com
Sent: Oct 7, 2010 3:08 PM
To:
Subject: FRAUD ALERT


To agents and Clients:

Regarding the recent Fraud Alert e-mail circulating.

Mr. O'Neil met with and discussed directly with Ms. Leah Brauer/Special Agent for the Secret Service. (Why do you write about O'Neil in the third person?) 8-)

After an hour long conference the alleged allegations stem from clients that are stating facts that are distorted. (BS!! Victims stated facts as they are happening!! Garnishments, lawsuits, incessant calls from creditors...etc..etc) >:(

1. I have never stated nor represented myself as a government employee. (You are responsible for how your paid representatives market you. If you were professional, you would proof read all marketing tools you moron!! STOP BLAMING EVERYONE ELSE!!) >:(

2. It was always stated that as a lobbyist My duty is to propose legislation based on a viable cause. (You originally introduced yourself as a "Consumer Advocate" in 2005 and later lied about being a lobbyist. You weren't registered to be a lobbyist until Dec '09 so you were faking it all this time!! What a PHONY!!) >:(

3. The platform has always been that relief will come in the form of Government intervention. This is what I have presented on behalf of the consumers (LIAR LIAR PANTS ON FIRE!! Show me in writing what you just stated!! YOU LIE!!) >:(

4.The FCIC received repeated calls requesting a status on debt elimination cases. If clients are interested in government activities it would be a good idea to watch what news is available to them and then make an informed call. (You mean like YOU do? Are you finally coming clean that this is how you forecast congressional hearings? What a dufus!!) :P

Complaints about your lobbyist only serves as a distraction to the cause. (HUH? Are you suggesting that complaining to the authorities is frivolous? Why do you bounce around speaking about yourself in the third person?) 8-)

In the meeting I was allowed to respond to each of the allegations and was told in the meeting to continue.

This is not an attempt to persuade the clients from complaining, Just state the facts if you feel that this process is taking longer than anticipated, (What a NARCISSIST!! Victims will be "persuaded" by their creditors who continue to hound them despite your involvement!!) ;)

Write letters of complaints to your congressional representatives in your state. This would be more beneficial. (HA-HA!!) ;D

The Secret Service interview was a chance for Mr. O'Neil to speak about his visions and goals for his clients. (Again, why do you talk about yourself in the third person? Who is your ghost writer?) :P

I have taken this task on my shoulders. I plan to see it through. The policy makers will here my cause. I have not in any way miss-lead any one. (Nathaniel, go back to school. Your grammar sucks!!) :P

The government may be slow in responding to our request however, if we come together in unity and not animosity we can make a difference. (Tell that to the victims who are being garnished & having to defend themselves in court THIS WEEK!!) >:(

Complaining and calling only delays progress. (Yeah! this is code word for "don't give the authorities any more info to investigate me on".) DUH! :P

Any client electing to respond to the e-mails simply needs to contact the agency and state the case as it is and not as you have heard it to be. (Victims are gonna state the case as YOU sold it to them!!) >:(

Once again I am under investigation due to misinformed consumers. (BS!! You are under investigation because you are a thief and you've been stealing $$ from victims for years!!) >:(

The meeting with the Secret Service this morning was completed. and a sworn statement was provided for the case records. I have never stopped fighting for the clients. I will continue to do all I can to keep the fight alive. My enthusiasm is at it highest. (OH, CRY ME A RIVER!!) :'(

I now plan to negotiate settlement offers for all who wish to do so. I will negotiate for reduction or waiver in penalty fees, and various other charges. There will be negotiations that will allow monthly paymets on larger debts. (You mean UNIVERSAL RESTORATION? Did you disclose to your clients prior to giving you thousands of $$ that you would offer them yet, another program? Did you tell them that you would have your failed son (who cleaned out your WO bank account) as the CEO? NO!! I didn't think so!!) >:(


Thank You!
O'Neil

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#14 Author of original report

Your stories help expose this THIEF!!

AUTHOR: Jona agent - (U.S.A.)

RIPPED OFF IN TEXAS....THANK YOU for posting your story.

 

You said: "I see people here saying the program worked for them. HOW?"

I will tell you how. THEY LIE!!>:( And they are STUPID!!:P

Notice that the crappy & phony testimonials come from the same person?

"Former client of JONA - houston (United States of America)"

They fail to realize that once you register with a username, it follows every post you make. HAH!! ;D

So, this moron tries to post as if they were a different person every time and lies by signing off with some phony client name.

I posted your story on miss redmond's proboard.

Again, I appreciate your contribution to exposing the truth about JONA & WO.

 

"JUSTICE" will prevail. ;)

 

 

 

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#15 Consumer Suggestion

Ripped off by J'Oneil JONA in Texas

AUTHOR: jtexas - (United States of America)

Just found this website.   I gave Freedom Resources about $5000 several years ago -- so many years, I've lost track and stopped caring.   I've still not been able to pay off my credit cards -- tens of thousands.  

Initially we got the big demo about how credit card debt is illegal because they don't do full disclosure about how they borrow your money and what they do with it.  Seemed convincing at the time.

Every few months we got updates that JONA was going through this Federal Agency and that.  We got stories that some people's cc debt was being eliminated and ours was next.  Then when we asked for proof we were told that it would still be awhile and some delays were happening.  Then JONA sent out emails stating -- just a few more months, and then more delays and more delays. 

Eventually our agents supposedly QUIT.  Then a few years later we get an email stating JONA had a new program and that existing clients would have to pay I believe another $500 or $800.  Of course, we passed and emailed JONA asking for the $100 per card refund (we had 5 or 6 cards).  We were told we needed to do the new program and the email was filled with alot of cheerleading.  They basically ignored multiple requests for a refund.  When I went back to Freedom Resource -- they said all complaints were beween us and JONA -- they were just intermediary commucation reps and that THEY (the agent) had been scammed and so they were quitting. 

We never got any help at all for our $5000.  Our debt is still sitting there and growing now for probably 5 years or longer.  I'm sort of shocked we haven't been sued yet but being in Texas, I guess creditors have less legal options.

DO NOT JOIN J. O'Neil under any circumstances.

I see people here saying the program worked for them. HOW?  We were completely ignored.  O'Neil had our information and our money so if the agents got it all wrong, O'Neil still had all our information -- obviously, since we were on his conference calls and his email updates.  When I emailed his brother (or some guy with same last name) we got more cheerleading and told to wait and join the World Outlook program.

It just makes no sense how this guy isnt behind bars.

If he is legit, why have I gotten nothing in over 5 years of waiting.  I haven't heard from him in at least a year. 

He stole our $5000 and its all gone now.   Would have been better off if we'd never met his agents or heard of his program -- but like most people in debt, we thought we'd found a miracle.

Ripped off in Texas
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#16 Author of original report

O'Neil FCIC SCAM!!!

AUTHOR: Jona agent - (U.S.A.)

 


 

 

FCIC CREDIT SERVICES, LLC

 

Moses Mays/Lobbyist Director

 

14019 S.W. Freeway #415

Sugarland, TX 77478

(P.O. Box)

 

(Phone) 866-614-6982

(Fax) 800-779-0053 

 

5190 Neil Road Ste. 430

Reno, NV 89502

Washoe, Nevada

(Corporate Service Center

Registered Agent in Nevada)
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#17 Author of original report

www.universalrestoration.biz SCAM!!

AUTHOR: Jona agent - (U.S.A.)

Go up to comment #20. Here is what you will find on pages 19-20:


On March 25, 2002, according to Case # 01-36752 "Kevin and Emily Johnson", JUDGE Karen Brown had issued an INJUNCTION against Mr. O'Neil prohibiting him from conducting these kind of actions according to Texas Code 81.101.

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#18 Author of original report

Universal Restoration? HA-HA!!!

AUTHOR: Jona agent - (U.S.A.)






YUP!! :P


I was accused of being a "disgruntled" employee for doing what you did too!! LOL!! ;D ;D

I would like to see O'Neil clan dispute this history: (((ROR redacted)))

I signed on with different aliases because I kept getting bumped off for telling the truth. But in the end, the moderator and other members ended up telling me "Heinz, you can now tell us I TOLD YOU SO!!" ::)

Read the thread regarding the OCC. It will answer many of your questions & fears regarding his "new & improved" bogus program:



www(DOT)universalrestoration(DOT)biz/7(DOT)html

"receive relief within 90 days??? MY ARSE!! >:(


The truth is, he just came full circle and designed a new & improved "CREDIT REPAIR" company. >:(

Now don't you feel like you've been SUCKERED into another SCAM AGAIN???? >:(

WHO DOES HE THINK HE'S KIDDING ::)


Ask yourself these questions:


1.- "Is this what I bought into?" NO!!! >:(

2.- Is this the same program my agent enthusiastically sold me on? UH, HECK NOOOO!!! >:(

3.- Why doesn't anybody return my calls or emails after they got my money? BECAUSE THEY GOT WHAT THEY WANTED!! >:( >:(


NOW WHO'S GONNA BE THE NEXT SUCKA'?? :'(



 

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#19 Author of original report

New program? New LIES!!!

AUTHOR: Jona agent - (U.S.A.)

TO THE CLIENTS:


Do you look forward to Sundays because you know those pesky creditors will most likely not call you and you can have peace of mind for a day? ???

Do you look forward to Holidays for the same reason?

Why do you have that knot in your stomach on Monday morning? :-[

Have you resorted to screening your calls?

Don't you feel like your back is against the wall and you want to go into hiding? Has this paranoia increased and you are wondering "why is this happening to me if I paid for it to stop?"

Do you fear you will be called at work or that they'll call a family member or neighbor?

YEAH!! There are solutions to deal with these violations, but in the interim, you cannot avoid stressing over it. Am I right?


TO THE AGENTS:

The same questions apply to you, except, you substitute "PESKY CREDITORS" with "PESKY CLIENTS" (especially the "orphans")

When is enough.... ENOUGH? >:(

Aren't you tired of over 5 years of Mr. O'Neil changing the goal posts with first his JONA & now his WO game?

Since I started listening to Mr. O'Neil's conference calls in 2005, he claimed he was a lobbyist. HE LIED TO US!! >:( ( He didn't register until Dec '2009!! ) :o Look it up if you don't believe me!! 8-)

We heard about lobbying with the FTC, SBC, OCC, Federal Reserve, Board of Governors (YADDA, YADDA, YADDA ad nauseum..and in the interim, clients were being sued, lost their homes, accounts were garnished, senior citizens & others finally had to claim BK and one agent in particular divorced because of the chaos.

C'mon agents.....you know who I'm talking about. You cannot deny this with a straight face, or can you? :-/

And what about all those student loans & IRS liens he said he could remove? Ask any accountant and/or government official if there is any program to eliminate this kind of Federal debt. Alot of these federal loans can be forgiven after 20 years but the IRS can follow you forever.

Ask your agents how many of these student loan & IRS issues they've successfully handled. I dare 'yah!! :)

DOES THIS SOUND FAMILIAR FOLKS? :o

Is this not happening to you today? Why do you approach O'Neil's office and your agent with kid gloves because you don't want to antagonize them? Is it that you fear they will not help you and put you in the back burner as punishment for your audacity to question them (which is why I was terminated and I have the emails to prove it).

STOP WORSHIPING THIS MAN AND STOP GIVING AWAY YOUR POWER TO HIM AND YOUR AGENT!! >:( HE IS NOT GOING TO SAVE YOU!!! I know this and your agent either knows this or continues to believe in fairies. BE BOLD and ask your agent which is it?

When is Mr. O'Neil going to stop playing the blame game on his failed programs by claiming that "there was a group of agents & marketers who misrepresented his company and who caused the lack of communication" or, that this new & improved program will fail only because of the "lack of support of the American consumer?". HUH? ???

When are YOU, Mr. O'Neil, gonna fess up and take responsibility that your programs failed!! There is NOBODY who can prove that either one of his so called "Government" programs have worked!! >:(

Who are these thousands of people you've helped as per your advertisement? How come the agents can't name even one?

All anybody can say is that he helped prolong the inevitable. He is a master at stall tactics and in the end, the only thing he has been able to help his clients with is what he's good at...... CREDIT REPAIR!!

But who in the heck is worried about credit repair in a time when you are getting garnished and your car is being repossessed? :P

To all of you lurkers who are worried about your credit scores plunging since being on this program because he told you to stop talking to your creditors and cease making payments, he told us the same thing 5 years ago.

Aren't you wondering why you keep getting calls from angry lawyers threatening to sue you no matter how much you explain that WO now owns your debt? >:( Novation works when you have an honest buyer. It fails when corruption rears it's dirty little head. :-[ Think about it.

Follow your gut folks. If you are wondering how 30 days turned into 60, then 90, then 120, then 180 and now for more than 8 years....there is a pattern here, yah' think? >:(

Stop believing in good intent. Good intent will not get you out of the hole you're in.Mr. O'Neil talks good. He is very intelligent and follows politics on the Hill to find out how to impress you with his knowledge. Ask your agents how many orphans they are carrying. That should explain it all. :-X


If you all see a new game change in the future, you need to ask yourself: "IS THIS WHAT I BOUGHT INTO?" DUH!! :P



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#20 Author of original report

FCIC payments are BOGUS!!

AUTHOR: Jona agent - (U.S.A.)

Here are Mr. O'Neil's instructions:

"Make your payment out to the FCIC and mail it to":

FCIC C/O World Outlook
10004 Bisonnet #135 (aka hole in the wall)
Houston, TX. 77036"

By including C/O (in care of) WORLD OUTLOOK, this means that your money order can be deposited into the WORLD OUTLOOK bank account. HUH ???

"If it walks like a duck"......... :P


A) What proof can the agents give you that monies were actually forwarded to the FCIC?

B) Why were you not given the option to send the $$$ directly to the FCIC? DUH!! :P


TO ALL WO AGENTS:  tell me how you're going to prove this to your clients ???

What is your conscience telling you? :-/


"BUYER BEWARE!!"

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#21 Author of original report

JEFF O'NEIL is a BOGUS lobbyiest!!!

AUTHOR: Jona agent - (U.S.A.)

WTF? >:( This information is BOGUS BOGUS BOGUS!!!


Jeff ONeil/
Lobbyist
House ID# 411090000
Senate Registrant ID# 400528558-12


I dare ANY of you JONA defenders to prove me wrong!!!


ANYBODY ???

BUELLER ??? BUELLER ???


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#22 Author of original report

New BOGUS scam!!!!

AUTHOR: Jona agent - (U.S.A.)

Here is the most recent scam the O'Neil clan schemed up:

They are telling their clients to pay a "Daily periodic rate" listed next to their name on a BOGUS "Congressional List". They claim that it must be paid by July 25th to the FCIC which they refer to as the "Financial Crisis Inquiry Committee.". If they don't, then FAILURE TO DO SO WILL "release WO from further services or future liability."

WHAT A PIECE OF CACA!!! >:( He is holding these hopeful victims hostage to his TYRANNY!!



A) The official FCIC stands for "Financial Crisis Inquiry "COMMISSION", not "COMMITTEE".

B) The "COMMITTEE" they are most likely referring to is the WO team.

What this means is that the monies collected will just go into the pockets of the the O'Neil staff.

CAN ANYBODY PROVE ME WRONG???? >:(

What say you ???

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#23 Author of original report

BUYER BEWARE!!!

AUTHOR: Jona agent - (U.S.A.)

BUYER BEWARE!!!! >:(


www(dot)quatloos(dot)com/Q-Forum/viewtopic.php?f=7&t=811

Quatloos (dot) com topic:

Billingsley (from Jim Norman Project) Has A New Scam



www(dot)world-outlookmanagement(dot)com/2.html


AGENTS for World Outlook Management (former JONA agents):



Adrian Woodward (510)290-8109 California Representative

RV Marlow (941)371-7493 Florida Representative

Helga Cohen (803)777-2649 South Carolina

John Billingsley (804)282-4434 Virginia

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#24 Author of original report

Why is Box 5540 FULL everyday?

AUTHOR: Jona agent - (U.S.A.)

WORLD OUTLOOK TEAM:


Nathaniel J. O'Neil, C.E.O (Mr. O'Neils brother)

Glenda Jolly aka Linda Solz, C.F.O

Nathaneil O'Neil, President (Mr. O'Neil's son)

Christian O'Neil, Vice President (dunno ???)

Jeffrey O'Neil, Operations Manager (Mr. O'Neil himself!!)

Samantha Wilson, Office Manager

Katarina Krndzija, Processing Manager



CAN SOMEBODY PLEASE ANSWER THE DAGGUM PHONE ?? >:(
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#25 Author of original report

$50 surcharge paid for website....

AUTHOR: Jona agent - (U.S.A.)

Here is where your $50 surcharge requested in February went to. Website was down for 7 days due to one of the following:


A) He probabably didn't pay his bill to:
(((Redacted)))

OR

B) He got evicted AGAIN!!!! >:(


QUESTION: Did you honestly believe the surcharge was to expedite your file? HEH! :D

ANSWER: Let's talk on July 20th!! ;)


BUYER BEWARE!!
:-[



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#26 Author of original report

World Outlook website is down....

AUTHOR: Jona agent - (U.S.A.)

Once again, he skips out on his clients. I guess it's time for me to roll up my sleeves and get to work.

 

To his demise, I have enough updated info on his whereabouts today, that he will NOT drop off the radar again!! I promise!!

 

www-world-outlookmanagement(dot)com

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#27 Author of original report

Justice...

AUTHOR: Jona agent - (U.S.A.)

Please click on the missredmond website on comment #35. I see your name on the debtfreedom proboard but that is not where we can communicate.


I look forward to communicating with you.


 

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#28 General Comment

first contact

AUTHOR: Justice - (USA)

I have tried to make an account on the other website but it's telling me I have to wait until it is approved. As soon as it is approved I will post something so you will know its me so I don't have to go back and forth just so you know its me. I think I know who you are on that board -uc- and if I'm right I have posted as a guest explaining the program before.

Warning to all, You will be in worst shape once the dust settles. You might as well do it yourself and trust me they do nothing that you couldn't do with much less money. The problem is once you get caught its Jail time.

again process goes

1.tell you they can settle your debt which is calculated by how much extra money he wants.

2. you send in money

3. they send a fraction(like 10 to 20 bucks) somtimes more so the first check you see looks kinda legit.

4. pocket the rest of your money while maybe sending 10 dollars to the creditor the next couple months

is that how is goes?

So all in all you send $3000, they send 200 which leaves 2800. If I were you I would ask to see proof of your so called trust account and not a staff generated one. Audit your accounts people and the truth will set you free.

I even know who made these forms that are circulating now through an ex agent. So I know the legitimancy of the forms clients are using. I'll tell you one thing a lawyer did not make them. Happy Hunting Looking forward to speaking with you

Justice

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#29 Author of original report

Another victim speaks out....

AUTHOR: Jona agent - (U.S.A.)

Dante from Houston:

I am sorry you were ripped off by Mr. O'Neil & staff. It is shameful to see that Mr. O'Neil and his brother Nathaniel collaborated early in this JONA scheme and now Mr. O'Neil is teaching his son how to be a dishonest businessman as well.

Like they say, the apple doesn't fall far from the tree.

If you follow the instructions on comment #35, we can communicate on a personal level. If the website below appears as "redacted", just click on it anyway.

I look forward to communicating with you personally.

(((Redacted)))

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#30 REBUTTAL Individual responds

Ripped of as well

AUTHOR: Dante - (United States of America)

I to was RIPPED OFF by these scammers.  I worked personally with Nathaniel O'Neil who is the son of Jeff.  He promised me NOVATION and that he would take care of everythig with my creditors.  Needless to say, the checks they wrote to my creditors all bounced and were returned.  I am now in a credit nightmare that has lawsuits, collection accounts, and judgements.

Nathaniel refuses to even take my calls anymore and does not return emails voicemails or text msgs.

These people are nothing but cowards and thuggs that are only out to take money and not deliver anything they say

 BE WARNED AND DO NOT DEAL WITH THESE PEOPLE.

 Dante - Houston

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#31 Author of original report

Click on "Redacted"....

AUTHOR: Jona agent - (U.S.A.)

...and you'll be able to see website.
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#32 Author of original report

Mr. O'Neil reads this report...

AUTHOR: Jona agent - (U.S.A.)

He removed the ripoff report rebuttal video on Friday, May 7th from his World Outlook Management website because he did not want any visual proof of his connection with J.O'Neil & Associates.

The comments on link below is responsible for his most recent state of panic:

(((Redacted)))

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#33 Author of original report

How to Network

AUTHOR: Jona agent - (U.S.A.)

DB:

If this is inconvenient for you, then I will continue with my case without your cooperation and continue to post further updates.

Thank you for at least posting your story here.

 

 

 

 

 

 

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#34 REBUTTAL Owner of company

All Anonymous Posters

AUTHOR: DB - (United States of America)

I felt out of my frustration to post this one more time.

I was asked to post my story, and keep it anonymous and would get a "PM".

Thinking that this was therefore the CIA, FBI, Homeland Security, or just the police,

I obliged.  Then I get another post stating I need to go to another website, post again, and then I will get a message. I didn't go through all this cloak and dagger scenario with the IRS.

I was born TOO many years ago to understand "anonymous", when I am open, and just trying to find justice through all my own mistakes. But the red tape here is no different than the US Gov't.  I would join in a fight to recoup my money, and put this sanctamonious misinthrope in jail, but putting me through more red tape is absurd.

All you have to do is ask for my phone number. That's what we did 40 years ago when we wanted to talk.

This is not America any longer.. It's the "internet".. Screw it.

 

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#35 Author of original report

How to network....

AUTHOR: Jona agent - (U.S.A.)

In order for me to communicate with you privately, you need to follow directions on rebuttal #35. Otherwise, I have to assume you are a troll.

I am in the final stages of my case against the loan modification company I worked for. In addition to my suit, I applied for the whistleblower program at:

www-irs.gov/compliance/article/0,,id=180171,00.html

I also wrote reports to the FTC, CA AG and DRE. I am collaborating with all these departments and hope to finalyze my participation sometime in May.

I finally pulled out all my JONA files which were in storage and as soon as I'm free, I will focus on bringing Mr. O'Neil to justice as well.

 

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#36 Author of original report

How to communicate...

AUTHOR: Jona agent - (U.S.A.)

DB: I know Mary very well. I am so sorry you were duped, as hundreds of others were.

So now I will ask you to go over to this website and post your story. In order to send you a PM, you need register as a member, (not a guest). Come back here to confirm it was you, and then I will PM you.

(Since websites cannot be posted here, just cut & paste the link below and change the hyphen for a period). 

www-missredmond.proboards.com/

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#37 REBUTTAL Individual responds

Story

AUTHOR: DB - (United States of America)

Agent: Gary Joan Smith and Digby DCJ Marketing after the arrogance of Mary Judith who was sarcastic with the same promises.


Story: PAID $4,000 in 9/2006 for myself and wife with promises that within 180 days, all credit would be removed and accounts cleaned.  I never applied for any of these cards. They were sent to me preapproved. However, it certainly was my fault for being in that position, but economics changed, and I found myself living off the line to exist. Sad state of affairs.


PROMISES, LIES, AND OF COURSE, THANK YOU SO MUCH FOR PAYING ME MY $4,000 OF WHICH I HAD TO CHARGE THAT OFF THE LAST CREDIT CARD WHICH GARY SAID WOULD BE WIPED OUT ANYWAY, SO I SHOULD DO IT.


Spoke with DCJ/Gary over and over, and put on confereneces with the same promises. NOT ONE NOTICE FROM CREDIT BUREAU: NOT ONE DELETION; NOT ONE ASSISTANCE;;


WITH NO REFUND AFTER GARY SAID HE WOULD DO SO.


NOW:; LAW SUITS: DEFAULTS AND EXPECTED JUDGEMENTS;


DON'T Have the funds to file Chap 7.


that's the story.: ONE MORE AMERICAN CHEATING OTHER AMERICANS.


SIMPLE AND TO THE POINT. AT 65 YEARS OF AGE, BORN IN AMERICA, AND OBVIOUSLY FROM THIS EXPERIENCE, STILL STUPID TO BELIEVE IN HELP FROM THOSE LIKE GARY AND DCJ, I NOW A BOARD WHICH MAKES ME GO THROUGH THIS BECAUSE OF OTHER AMERICANS WHO CAN'T JUST SPEAK THE TRUTH.


Not the america I was brought up in.

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#38 Author of original report

Privacy issues...

AUTHOR: Jona agent - (U.S.A.)

DB:

Regarding your comments on post #31.

One of the purposes for impeding private information to be posted here isn't necessarily to frustrate honest posters, but it is to help prevent dishonest trolls from posting unauthorized private info.

If you click on the explanation they post below the {{{REDACTED}}} comment, you can read the various reasons why they have this rule in place.

I am sure this site has seen the worst kind of slander, defamation of character & privacy lawsuits. At some point,everyone needs to cover their hiney.

My .02c only. :)

 

 

 

 

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#39 Author of original report

Post ur story, agent & refund info...

AUTHOR: Jona agent - (U.S.A.)

Justice: Thank you for your story & info.

DB: Please give us your story. As soon as you do, I will will then tell you both how we can communicate.

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#40 REBUTTAL Individual responds

PM

AUTHOR: DB - (United States of America)

I read the notices. You asked me to send a private message.


I don't see how to do that on this board.


My god, can't we all just show our cards instead of playing cat and mouse.


If I wanted to leave my phone, photo, drivers license or whatever then it should be up to me. This is worse than Oneil. All these rediculous ANONYMOUS SITES.


If you can post a way to contact you, I will do so.


Otherwise, this might as well be the govt beaurocracy.

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#41 General Comment

Would like to help out pt 2

AUTHOR: Justice - (United States of America)

jona agent,


 


I understand where you are coming from. I am the not a Jona defender by any means. If you look at my name I have already posted my story. Look at report #10 and #12 That is me. If you would like me to help I would be glad to do so. What would you like me to say. The address that was used all last year up until the latter part was indeed a money stop. He does not work for any sort of goverment officials to my knowledge. He has never left the state no matter how many conference calls he said he was in Washington.


The point is he blames the agents for missrepresenting the company but the fact is that the price sheets come from world outlook. Meaning that there were far too many people that sent their payments directly to the company.


So did I have an agent: no


Did I request a refund? I don't speak on my behalf, I speak on behalf of the people that requested a refund and did not get it. And I have proof of that.


Justice

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#42 REBUTTAL Individual responds

PM

AUTHOR: DB - (United States of America)

It is not allowed to post my contact info, so how do I send you a private message.

 

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#43 Author of original report

Tell me your story....

AUTHOR: Jona agent - (U.S.A.)

I don't want to spend time flushing out the trolls (Jona defenders) so I need to hear your story first and the subjects I itemized before I contact you.

Thanks for your cooperation.

 

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#44 General Comment

Would Like To help out

AUTHOR: Justice - (United States of America)

Can you send me a PM I would love to talk to you and help out in anyway I can. Im pretty sure I have something you would like to see.
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#45 Author of original report

I need agent name and refund info

AUTHOR: Jona agent - (U.S.A.)

Included in your story please tell me:


A) Who your agent is/was (initials are OK)


B) Did you request a refund, and if so, what was their response?

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#46 Author of original report

Tell us your story...

AUTHOR: Jona agent - (U.S.A.)

What is your grievance?
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#47 REBUTTAL Individual responds

Please send me a message

AUTHOR: DB - (United States of America)

Please send me any messages you can about legal action against Jona.

WHY HASN'T THERE BEEN A FEDERAL OR STATE INDICTMENT ON THIS MAN??/

 

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#48 Author of original report

Join the fight....

AUTHOR: Jona agent - (U.S.A.)

Become a member and post your story on the board. I will then send you a private message. Don't post your phone number or email anywhere because you will be harrassed and threatened by JONA staff such as I have. (I have proof just as recent as January 2010).

(((Redacted)))

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#49 REBUTTAL Individual responds

Please let me help

AUTHOR: DB - (United States of America)

He ripped me off for $4000 and let me sink.

I would like to join the effort to put him behind bars.

please contact me and let me know how.

(((Redacted)))

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#50 Author of original report

Forfeiture of corp entity

AUTHOR: Jona agent - (U.S.A.)

You need to establish an account to access this info. It will cost a couple of $$ ( I don't recall how much) but I believe it was under $10:

 

https://direct.sos.state.tx.us/acct/acct-login.asp

 

File Number: 800502417

Certificate/Charter forfeited: May 04, 2007

1.- "The Secretary of State has received certification from the Comptroller of Public Accounts under Section 171.302 of the Texas Tax Code that there are grounds for forfeiture of the charter or certificate of authority of the referenced entity."

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#51 Author of original report

Injunction against Mr. O'Neil

AUTHOR: Jona agent - (U.S.A.)

OK. Chew on this for a while....

You can order Court transcripts yourself. It cost me $26 in 2007, so I don't know what the fees are today.

Here is the info:

 

Judicial Transcribers of Texas, Inc

P.O. Box 925675

Houston, Texas 77292-5675

Tel: 713-697-4718 Fax: 713-697-4722

www.judicialtranscribers.com

 

Case # 06-36249H4-13

Docket #85 (51 pages)

Alicia Norris-Debtor - June 18, 2007

 

Pay particular attention to pages 19-22.

 

 

 

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#52 Author of original report

Expect LOTSA profanity in the next few posts...

AUTHOR: Jona agent - (U.S.A.)

JONA defender was banned from miss redmond proboards website a couple of days ago due to the profanity and today, the moderator from debfreedom proboards decided to remove the "JONA updates" thread. He admited that he neglected to monitor the forum and when JONA staff members were being outed, it became too risky to continue the conversation.


I am working on a case right now in California where we are about to put the owners of a corrupt Mortgage and Loan Modification behind bars. As soon as I'm done, I can  focus and give my undivided attention to bringing Jeff O'Neil to justice as well.


So, expect plenty of pushback and trashy chatter in the interim. My attorney, fellow colleagues and myself will occasionally  monitor what is being said here, but we will not waste our time and energy responding to frivolous attempts to censor our fact findings.


Check back for updates by the end of April.


 

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#53 Author of original report

A BIG FAT F....

AUTHOR: Jona agent - (U.S.A.)

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#54 Author of original report

website for victims of JONA

AUTHOR: Jona agent - (U.S.A.)

Google J O'Neil and Associates. You will find a website called proboards. There are two forums. One is missredmond and the other is debtfreedom.

Nobody can rewrite the history and truth of Jeff O'Neil the thief.


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#55 Author of original report

Jeff O'Neil continues to be a thief...

AUTHOR: Jona agent - (U.S.A.)

Clients who are giving testimonial on the present DRP program have no credibility when giving their testimonial on Jeff O'Neil. JONA changed his strategy from debt elimination to debt restoration to novation at the expense of his original clients since 2002. Unless you were present in court or unless you have the court transcripts in your hands (like I do), you are clueless of his shady past.

Blaming the corruption solely on JONA agents does not relieve Mr. O'Neil from his involvement. He needs to take responsibility for the monies he stole from the numerous innocent clients who trusted him. He knows who they are.

So, if you can handle the truth on who this imposter is, ask any old timers onsite (((Redacted))) for their stories.

I dare 'yah!!




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#56 Consumer Suggestion

Nonsense

AUTHOR: Former client of JONA - (United States of America)

 

I WOULD LIKE TO START BY SAYING THE ON GOING COMMENT POSTEGE

IS TOTALLY UNECCESSARY ANYONE WITH GREAT PROOF THAT THIS MAN IS A SCAM

NUMBER 1 QUESTION WHY IS HE STILL IN BUSINESS....AND HOW COME ME MY SON AND MY STE SON WENT THROUGH THIS PROGRAM AND HAD GREAT SUCCES IM ACTUALLY TRYING TO POST MY CREDIT REPORT HERE THE BEFORE AND AFTER

TO SHOW HOW JONA DID HELP ME AND MY CREDIT SCORE NOW ITS PLAIN TO ME THAT THE NEGATIVE POSTERS ARE ANGRY AT THE RESULTS THEY HAVE GO OVER THE YEARS BUT DID YOU EVER STOP TO THINK THAT MAYBE YOU WERE INTRODUCED BY AN REPRESENTITIVE THAT MISLEAD YOU... GUYS ITS TIME TO START ACCEPTING WHATS REALLY THE TRUTH I WAS EVEN MISLED BY AND AGENT HE WAS FROM DALLAS R.BALDWIN AND HE LIED AND LIED UNTIL I FINALLY SPOKE TO JEFF AND THE TWO STORIES WHERE COMPLETELY DIFFRENT.

 SO PLEASE THIS MAN HAS MADE SOME UNREAL PROMISES TO ME OVER THE YEARS AND YET THE SEEMED UNTRUE BUT HE KEPT HIS WORD AND NOW WE WENT THROUGH THIS NEW PROGRAM DRP AND IT HAS CHANGED MY FINANCIAL FUTURE FOREVER.

SO PEOPLE PLEASE STOP WITH THE POSTINGS.

ARNOLD DAVIS AND STEVEN JONES.

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#57 Author of original report

Posting of websites not allowed

AUTHOR: Jona agent - (U.S.A.)

Google Proboards and you will find 2 discussions on JONA aka J.'O'Neil and Associates. Oldest one is under missredmond and the second one is under debtfreedom.

There you will find all you need to know.
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#58 Author of original report

Master of deceit

AUTHOR: Jona agent - (U.S.A.)

Despite all the warnings for over 5 years now, vulnerable people continue to believe in O'Neil's false promises.

Here is proof of his dark history. Fearless and honest posters will tell you the truth.

Jail is the only answer to this shameless predator.


(((Redacted)))

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#59 General Comment

How the DRP Really works

AUTHOR: Justice - (United States of America)

Since an employee wants to use profanities and doubt my pleads i will give more accurate information.

This is where your money is going:

when you enter the program you will enter your cards as well as pay an upfront fee. They will tell you this is to put in a trust account, this is further from the truth than you will find out. What happens is you send in your money owed and they cash your check. they might send a fraction of your money(not a big enough fraction) to a couple creditors at that.

Then something else happens, your money will be used for various other things as well. i.e paying on someones elses account and personal spending habits. I have personally hired a private investigater to go to Tx(sugarland and Houston right?) to find out information on a case.

Does a driver sound familiar? does getting evicted out of homes sound familiar? I even know that the company did operate out of two homes for a while(If you want I will publish names if you don't stop the profanity and help clients) 2 of the main people that run this were both evicted out of their homes and why is that? please don't go any further.

I also know about the lobbying effort or lack theroff, when you were telling clients such as myself that you were going out of town to washington and speaking with your lawyer. Nobody has flown to washington in fact

 the reason world outlook had to switch accounts to BOA because they had no more money and there was a fraud on the account? I have friends in high places and they tell me something to the effect is there was a fake check for a lot of money and the company was brought up on charges. Then the account was switched to Capital One. Most clients with the company can remember this as well and know I am speaking truth about the bank switch at least but don't know why.

All who are looking into the company I plead you will mess up big time. All the others that are still waiting for that promise it will never come. I will say this you might get one positive glimpse but in the end you will lose with this company.

My investigater is still in the area and I got his permission to post.

So I'll leave this for all who see and are contemplating signing up a list.

There is no lobbying effort, if you ask about a lawyer he will not tell you. He doesn't go to washington, doesn't talk to the senate, congress its just him and his team. I'm pretty sure the forms I have received and others are not legal in any form.

As far as the last post you can clearly see an employee or Jeff wrote that himself if you read what was written.

Most importantly people I charge you to ask for a credit score. If the program helps people get out of debt then nobody that works in World Outlook should owe anything right?

And for the ones currently in the program ask to see how much of your money is accounted for in the trust if you still are waiting for them to send a payment. Hint: you wont find it because its not all or even there and thats fact. (remember anybody can send you a paper saying this is how much we received from you but can you see proof that its there?

This company is a scam and you will see how much its a scam when you lose your money.

Thats what happens when you decide to use profanity and lie to the people.

 

 

 

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#60 UPDATE EX-employee responds

The truth and proof

AUTHOR: Former client of JONA - (United States of America)

LET ME START BY SAYING HELLO,

   I HAVE ALSO DONE MY "RESERCH" AND DID ANYONE EVER TELL YOU WHYYYYY THAT ADDRESS IS USED I GUESS SINCE YOU ARE CAPABLE OF USEING GOOGLE YOU THINK THAT YOU HAVE ACCURATE INFO HAHA!!!!!!! MAYBE NOT....

 IF YOU ACTUALLY DID YOUR RESERCH THEN YOU YOUR IGNORANT ASS WOULD HAVE REFERD TO THE WEBSITE BUT I GUESS YOUR EXSTENSIVE RESERCH FAILED ASSWHOLE.

 BUT ANYHOW THE COMPANY HAS HELPED MOST OF THE CLIENTS THATS ENTERED BUT THE ONES THATS STILL IN IT ARE THE ONES WHO WAS MIS QUOTED AND LIED TO NOT BY ONEIL BUT FORMER AGENTS AND AS FAR AS THE BOA ACCUSATION YOU DICK HEAD GET YOUR FACTS STREIGHT THERE ISNT A CHARGE WE ARE STILL BANKING WITH THEM YOU ASS JUST NOT WITH THE DRP OR WORLDOUTLOOK BASTERD. AND IF YOUR DUMB ASS KNEW ANYTHING AS FOR WORKING OUT OF THE HOUSE  WE NEVER OPERATED OUT THE HOUSE THAT WAS WERE THE CALS WERE FORWARDED TO DICK HEAD AND HIS KIDS WOULD RELAY HIM THE MESSEGES FUCK HEAD SO PLEASE GET YPUR FACTS ALL THE WAY STREAIGHT AND IF YOU WOULD LIKE TO KNOW WHO POSTED THIS PLEASE FEEL FREE TO ASK ON YOUR NEXT POSTING WACKO!!!!!!!!

HAPPY HOLIDAYS TO YOU DUMBASS AND ALL YOU WHO POSTED NEGITIVITY!!!!!!!!

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#61 General Comment

Final Warning

AUTHOR: Justice - (United States of America)

To All,

I have been looking at this report for a long time and I honestly thought there was some good that would come from this company.

This company is a scam and that is all to it. I have done my research on this company long enought to ensure you of this fact. So I will challenge someone to prove me wrong.

Firstly- the compnay was not registered with the BBB for a long time for a reason. They had complaints when the company was named something different. JONA perhaps. He would tell you that this wasn't his company but in fact it was. Maybe they are now but I haven't found them.

Secondly -if you all would have googled the address of where you were sending money to you would have know this was a cash stop. not a company building. I hear this has changed but I digress.

There are success stories on this but I give a warning one was written by himself and the others he got someone to write them. I know the program he is telling all victims and I am telling you go at your own risk you are warned.

World Outlook staff tell me how long were you working out of the house? how big was your staff? I do know the answer to this becuase I have done my homework. So My challenge to you as Jeff would put it is to prove me wrong.

I'll leave you one more thought people....Ask why the bank switch and get your answer. I too know the right people and my sources tell me that charges were brought up on the company from bank of america. Why was that?

I guess thats another topic for your conference calls that we will all hear.

So my warning is clean up your act Jeff and world outlook and help your clients or I will start sending proof to the right people.

Happy Holidays

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#62 UPDATE EX-employee responds

listen

AUTHOR: Former client of JONA - (United States of America)

IF THINK HE IS A SCAM REFER TO THIS

 world-outlookmanagement.com this is where the real truth is

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#63 Consumer Comment

FALSE

AUTHOR: Former client of JONA - (United States of America)

my credit score was shot thru the roof and debt was over 500,000$

 Mr. oneil not only did my credit score jump from 555-700

 if thats a rip off please rip me off.

and not to mention the 500,000$balence is now 0$

Now once again if thats a ripoff please rip me.

 This man has never riped off anyone i am a former client he worked and worked and worked and he got my matter resolved he also stated to me the the credit card accountability act would become a actual law and he said this last year and wow here it is cmeing into effect febuary 22 2010 anyone beleiving this report is a fool

   donald a

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#64 UPDATE Employee

WOWWWW!!!!!!

AUTHOR: Former client of JONA - (United States of America)

this is un beleivable i known mr.oneil i use to work for him and he also did my credit cards for me in 2005 and i just finished in 2007 almost 08

  it took sometime but he got it done i really do understand why it took so long my debt was extreamly large and this process does not work over night and for all of you thats unaware of what j.oneil is capable off turn on your t.vs to cnn and listen everything he said was going to happen has finally come now all of you posting things like this how do you think thats going to make you look....thats right an asshole that yiu ruely are and i know who posted this he a fag that got upset cause mr.oneil would not take him under his wing and baby him hes just not man enough to admitt it a real man would.

 but anyway oneil did alot for me and he really did talk to me and told me that he would clear up my situation a d*** he did..

 Cynthia m

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#65 Consumer Comment

Bull s***!!!!!!!

AUTHOR: Former client of JONA - (United States of America)

All of the people who sit there sorry asses at the computer to write bull s*** about these people thats kicked them out off there business or wanted nothing to do with you dont get mad and post bullshit like this its dumb and pothetick..

  Now to the matter at hand for one thing oneil is NOT A SCAM I WAS WITH his program for three years before i finally got the results i was looking for at first i was a littlr sceptical but in the end oneil came through for me and my wife now we have money cars and a house we dont have to worry about credit card bills or bad credit ever again if i had the chance i would personally like to thank jeff oneil for what he has done for my wife and i he really changed our life.

  So all of you who wants to post this kind of trash about him its wrong and enveous of you you should be ashamed.

 this man has helped me greatly and i thank him for it Jeff oneil keep up the good work and do not let this stop you.

    my name is james s for those of you wondering!!!!!!!!!!!

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#66 REBUTTAL Individual responds

Agents are the rip-off for J. O'Neil & Assopciates

AUTHOR: Bubba - (U.S.A.)

My name was mentioned in the above report and all the information contained in the report was false, unjustified, slanderous, misleading, frivilous, lies, and a total fabrication. Why anyone,(I know who wrote this B.S.), would attack the very people that he corresponded with and broke bread. It is sad that someone like myself who was trying to help people in trouble and was attacked in such a cowardly way. I would hope he will take a look in the mirror and ask himself if he feels good about his comments and actions. How he could defend what has happen to the good people in this program is beyond explaining.

I was raised to treat people the way I wanted to be treated. The one thing I will not tolerate is someone questioning my honesty and integrity. His actions could lead to possible legal problems. No man has the right to publicly slander another man and feel justification in his actions. Time will tell what may come to past.

Ex Agent, WV
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#67 Consumer Comment

Agents are the rip-off for J. O'Neil & Assopciates

AUTHOR: Rf - (U.S.A.)

I would like to begin by saying that agents all of them were charging Mr. O'Neil one-half of the cost for referring old clients that these same agents have collected money before.

Mr. O'Neil went into this inherited mess only to be used as a scape goat for these lying agents who stole money from not only Mr. O'Neil; but did absolutely nothing for the consumer.

It was not until I spoke directly with Mr. O'neil did my financial situation change.I am now debt free other than my basic needs. Thanks to Mr. Oneil

Please don't let these jeolous agents keep you from debt freedom.They are worthless to you as My trust and belief was in Mr. O'neil.
He did not fail us.

Stay away from any agents who claim they are with J. Oneil Associates.
These people only want to rip you off.:
James J Beatty
Freedom resources,llc
DCJ Marketing
Mark Lietner,
Jack Prettyman
Carm Kydd
Julie Boyd
ROBERT BALDWIN MED RESOURSES DEBT FORGIVENESS.ORG
ALL OF THESE PERSONS REAP MILLIONS IN COMMISSIONS FOR MISREPRESENTING THE O'NEIL PROCESS..
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#68 Author of original report

OCT 2008/UPDATED JONA INFO

AUTHOR: Jona agent - (U.S.A.)

http://debtforgivenessprogram.com/index.php

Office phone: 281-995-8587

Email: worldoutlookbiz@yahoo.com


-------------------------------

http://www.thebasementventures.com/free-conferencing-recordinglist.html

bridge 529353, pin 3065


On the Sept 6th recording he makes reference to this Rip-Off report.

On the Oct 8th recording he is again trying to give lame excuses as to why they are behind in making the payments to their client's accounts. These excuses are the same he gave us years ago:


1.- Credit card "Processing" department address has changed.

2.- JONA Processors are overwhelmed with work and are doing their best.

3.- Have creditor call JONA's office if they are harassing you about payments. (Most creditors don't want to do this). JONA's staff NEVER returned calls to creditors. They just don't have the time for it.

4.- SBC & Superior Court injunction relief will be delayed another 60-90 days.

J. O'Neil is just repeating history while he lines his pockets with the BOGUS 5% settlement he claims he negotiated with banks & law firms. The truth is that clients that come to JONA for help are already at the collection agency stage. Notice he NEVER claims having "negotiated" with collectiion agencies.

This man is a chronic liar & scammer. He has no shame.
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#69 Author of original report

Word gets around!!!

AUTHOR: Jona agent - (U.S.A.)

http://www.quatloos.com/Q-Forum/viewtopic.php?f=17&t=640
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#70 Author of original report

Word gets around!!!

AUTHOR: Jona agent - (U.S.A.)

http://www.quatloos.com/Q-Forum/viewtopic.php?f=17&t=640
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#71 Author of original report

Word gets around!!!

AUTHOR: Jona agent - (U.S.A.)

http://www.quatloos.com/Q-Forum/viewtopic.php?f=17&t=640
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#72 Author of original report

Word gets around!!!

AUTHOR: Jona agent - (U.S.A.)

http://www.quatloos.com/Q-Forum/viewtopic.php?f=17&t=640
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#73 Author of original report

NEW JONA "NOVATION" law program, emails & cell phone.

AUTHOR: Jona agent - (U.S.A.)

Jeff O'Neil aka "JONA" is now advertising his new program under "World Outlook management". He is piggy-backing on the website belonging to debt-forgiveness, another company that helps clients eliminate their debts.

Cost is $2700 for the first $50K.

jonacustomerservice@yahoo.com

oneilj90@yahoo.com

Cell # 832-704-4724
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