Ralph Gutierrez Discount Merchant Services, The Advisory Group, Hecho A Mano Inc Don't be the next Small Business to loose your MONEY and TIME. Ralph came into our store in Oct 08 . He took our terminals said he would get us out of our lease and if any problems would refund our money. Our terminals are now missing never returned to the bank, we are still paying the lease. When Ralph awnsed his phone he lied and said he will take care of it now he hangs up on us. Bad Man Albuquerque New Mexico

This is a letter I wrote to Ralph it explains what he has done to us and what kind of person he is. A SCAM ARTIST, LIAR, and THIEF.

Ralph Gutierrez 3/4/09
Advisory Group
Discount Merchant Services,
Hecho A Mano Inc
4801 Lang NE # 110
Albuquerque New Mexico, 87109

Ralph-

As you know since we have changed merchant services from Wells Fargo to you we have had nothing but problems, charges and no help! When you came into our business in October of 2008 I did not want to change merchants for all those reasons. When I explained to you that we were under a contract with Wells Fargo you assured me that you had our best interest in mind. You told me the big banks just rip off small business and you were there to help. You told me that all we had to do was sign a piece of paper that you would send to Wells Fargo along with our terminals and we would be out of our lease and if we were charged from them you would take care of everything. I called your references to check if they did business with you and they confirmed they did.

I really believed you were a man of your word when I spoke to you the first time. I believed that you wanted to help small businesses and trusted that you would take good care of us if problems did happen. You gave your word I will take care of any charges. Nothing could be further from the truth. Not only will you not refund all the charges we are getting from Wells Fargo you won't even give us our money back for the worthless Gift Cards you provided. We wrote you Ralf a check in the amount of $212.43 check # 6598 October 30th 2008 for Gift Cards. We received the cards two months after the check was cashed and after several phone calls to you to find out were they were. I tried to use them and they would not work I called the number provided and was told that the terminal we have (provided by you) does not support the cards, so we have a box of useless Gift Cards.

When we informed you 12/19/08 (see attached fax confirmation) that we wanted our money back you said no problem just fax the charges which I did twice and have gotten no were. Last time my husband tried calling you about the money you owe us you hung up on him. When he tried calling back you would not answer. You said you would refund our money just fax it over which we did twice, you said you would help our business all you have done is wasted my time and money, you even said you mailed terminal paper all lies. Another major issue we have is our Wells Fargo terminals you took from our store and supposedly sent back to Wells Fargo. I have been working with Wells trying to locate our terminals that we are still being charged for every month (another charge you said you would take care of and have not.)

I spoke to Michelle at Wells today March 4, 2009 and she said she has sent you several Emails to get this issue resolved and you will not fax her the information she has requested. I know now by your actions you are not a man of your word. I'm sad that we were scammed by you and that I did not get all your promises in writing like I asked. I do want to thank you for the very valuable lesson I learned from you if it smells like a rat and looks like a rat it's most likely a rat. I'm sending this letter certified to show a Judge and the Better Business Bureau that I did try to resolve this matter with you several times and got nothing but lies. I don't know how people like you make it in the business world. When our time on this earth is over I hope you have to explain why you lived your life stealing from hard working people.

Sincerely

Tna
Albuquerque, New Mexico
U.S.A.