I had received a phone call from Beneficial Client care stating that they would give me a credit account to rebuild my credit with a one time activation fee. I had filed a claim with my bank once I had read the complaints filed against them through online websites, but to my dismay it was past 60 days from the withdrawal date to have my claim completed.
I have recently acquired knowledge of the CREDIT REPAIR ORGANIZATION ACT and have noticed a few laws that have been broken by Beneficial Client Care.
SEC. 405. DISCLOSURES
(a) Disclosure Required.--Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed:
SEC. 406. CREDIT REPAIR ORGANIZATIONS CONTRACTS
a) Written Contracts Required.--No services may be provided by any credit repair organization for any consumer--
(1) unless a written and dated contract (for the purchase of such services) which meets the requirements of subsection (b) has been signed by the consumer; or
(2) before the end of the 3-business-day period beginning on the date the contract is signed.
(b) Terms and Conditions of Contract.--No contract referred to in subsection (a) meets the requirements of this subsection unless such contract includes (in writing)--
(1) the terms and conditions of payment, including the total amount of all payments to be made by the consumer to the credit repair organization or to any other person;
(2) a full and detailed description of the services to be performed by the credit repair organization for the consumer, including--
(A) all guarantees of performance
SEC. 407. RIGHT TO CANCEL CONTRACT
(a) In General. -- Any consumer may cancel any contract with any credit repair organization without penalty or obligation by notifying the credit repair organization of the consumer's intention to do so at any time before midnight of the 3rd business day which begins after the date on which the contract or agreement between the consumer and the credit repair organization is executed or would, but for this subsection, become enforceable against the parties.
(b) Cancellation Form and Other Information. -- Each contract shall be accompanied by a form, in duplicate, which has the heading 'Notice of Cancellation' and contains in bold face type the following statement:
None of these have been upheld by Beneficial Client Care and when I had called on questions based off of who the company is that holds the PO BOX in Lake Park, Florida, I have been refused access to that information along with what company is the suit Beneficial Client Care.
Prior to filing a claim with my bank I had given Beneficial Client Care a phone call and had requested for a cancellation of my contract before receiving my package from Beneficial Client Care that was more than two and a half months late. Not only did they reject my request, but had also told me that they were a non-refundable credit repair agency.
The package I had received from Beneficial Client Care had a return address of:
PO BOX 530842
Lake Park, FL 33403
In a coincidence this also happens to be the same address given to me from a representative of Beneficial Client Care.
I have been had the phone hung up on me, ignored time and time again, and have yet to receive a follow up phone call from Beneficial Client Care in regards to my complaints.
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