Several months ago I got a call from person who told me that they were a credit card company called NCAS. they told me that they were offering me a "credit card" with a credit limit of $2500.00 and all I had to do was pay them $200.00 to pay for the deposit and myself not having any credit they explained to me that the deposit was to cover any balance if I did not pay my bill. So I thought it was a good idea.
They told me to look for a letter in the mail which I will need to sign and send back, they referred to it as a signture card so that they have my signture on file so if I were to report my "credit card" they will have it on file and know not to pay for the purchase and once they got the letter back they would send the card and would recieve it in about 5-10 days.
Well I did what they said, I signed it and sent it back to them well three weeks later I recieve a large sized envelope in the mail, I thought why would they send such a large thick envelope for a credit card. I open it and find a card with no visa logo and two catalogs.
I call the company and explained to them they sent me a catalog and yet no credit card, thats when they tell me it is not a credit card it is a merchants card and it is only used to buy products.
So here is where the rip-off and catch comes in, you have to buy they things and pay them 35% along with 7% for tax and shipping charges, then you have to wait 4-6 weeks to get your things back.
I called them back the next day and told them that I will mail them the catalogs back and I want my money back, they tell me that if I want to cancel my "membership" that I have to pay them an additional $65.00, also another thing is, if you stay with them their is an annual membership fee of $120.00.
So where do I get an satisfactory service in this and how do I benefit? Well thats the problem, I DON'T!! I got riped off and didnt even know it till I came across this site, and on top of it all they refuse to give me back my $200.00 that they electroniclly took out from my bank account, which is not closed and I am stuck with two catalogs that I have no intentions of ever ordering anything out of because it is nothing but JUNK anyways.
So can someone help me out here? This happened back in november of last year but they actually didnt take the money from my account till May of this year cause I kept putting off the date to make the payment of $200.00 because I could not afford it till May. So is it to late for me to get my money back? Someone please help me.
san mateo, California