Robert Brown 6788868599 Sovereigncredit@yahoo.com credit repair 7-30 days cleaned Canton Georgia

Jack - you should download the Credit Repair Organizations Act from the Federal Trade Commission website and then retain an attorney to sue this bum if he doesn't give you an immediate and full refund. You should also contact Craigslist and inform them of his illegal activities on their site. As I stated earlier, you should file formal complaints with your and his State Attorney General. You can download the Act at http://www.ftc.gov/ro/chro/croa1.shtm

What this bozo is doing is ILLEGAL and ACTIONABLE. You can be awarded actual damages, attorney fees, and PUNITIVE damages against this bozo!

Now, on to "Robert the employee":

""He was supposed to send $500 to get the ball rolling. Instead 7 days later we recieve $454.00 money order. ???""

Absolute violation of Section 404 PROHIBITED PRACTICES (b)

(b) Payment in Advance.--No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.

""He starts cussing me out saying I am a liar and a cheat.""

It's no wonder. Tell us, did you provide a WRITTEN CONTRACT as the CROA demands? Did this written contract contain the "cancellation" clause and other mandatory disclosures that the CROA demands? Why did you demand "upfront" money from him, in direct violation of the CROA? Did you provide Jack with a WRITTEN CONTRACT as required?

""First off he never paid the agreed price second I told him I would see what I can do. Now this all happened 9 days after he said he already mailed the funds of $500 .""

Your demand for an ADVANCED FEE was and is illegal. You can be successfully sued for this if you refuse to refund his money.

""Day 10 Jack calls early ' I want my $500 now. ' I told Jack we already started.
'I do not care' and hangs up Well the $454 was used to get the process going , really not enough, but still... Later he calls back ' Stop the process you #$$^@$
and hangs up again. So I call and tell them to drop the file .""

What you did was illegal unless you can prove that you had a signed WRITTEN AND DATED CONTRACT with Jack. Further, your written contract must comply with the CROA DISCLOSURE and CANCELLATION requirements, otherwise, the CONTRACT IS VOID. Refer to CROA, Section 406, 407, and 408. A non-compliance contract is VOID and you owe Jack a FULL REFUND. A non-compliant contract also makes you CIVILLY LIABLE to Jack as outlined in the CROA (more on this a bit later.)

""So No Jack L .of Houston, Texas Telephone # of 281)736-5764 or 516)369-8097
You will not get back the $ you put towards the repair.""

I strongly urge you to reconsider this in light of your ILLEGAL collection of an advance fee to begin work and your lack of a written and dated contract.

Here's what Jack can sue you for, taken from the CROA:

SEC. 409. CIVIL LIABILITY.

(a) Liability Established.--Any person who fails to comply with any provision of this title with respect to any other person shall be liable to such person in
an amount equal to the sum of the amounts determined under each of the following paragraphs:
(1) Actual damages.--The greater of--
(A) the amount of any actual damage sustained by such person as a result of such failure; or
(B) any amount paid by the person to the credit repair organization.

(2) Punitive damages.--
(A) Individual actions.--In the case of any action by an individual, such additional amount as the court may allow.
(B) Class actions.--In the case of a class action, the sum of--
(i) the aggregate of the amount which the court may allow for each named plaintiff; and
(ii) the aggregate of the amount which the court may allow for each other class member, without regard to any minimum individual recovery.

(3) Attorneys' fees.--In the case of any successful action to enforce any liability under paragraph (1) or (2), the costs of the action, together
with reasonable attorneys' fees.
(b) Factors to Be Considered in Awarding Punitive Damages.--In determining the amount of any liability of any credit repair organization under
subsection (a)(2), the court shall consider, among other relevant factors--
(1) the frequency and persistence of noncompliance by the credit repair organization;
(2) the nature of the noncompliance;
(3) the extent to which such noncompliance was intentional; and
(4) in the case of any class action, the number of consumers adversely affected.

Now Robert, please explain how your "credit repair business" is operating in a LEGAL fashion and complying with the provisions of the CROA. Take your time, we'll wait.

Jack - If this jerk refuses to refund your money, go find a lawyer and SUE HIM.

Amusing! LOL!

For the owner: Please explain why you are collecting a FEE BEFORE beginning any credit repair work - this is a direct violation of Federal Law.

For the consumer: Contact the FTC and file a formal complaint. You should also file complaints against this outfit with YOUR State Attorney General and the Attorney General of the State inwhich this credit repair outfit resides.

IT IS AGAINST THE LAW FOR ANY CREDIT REPAIR OUTFIT TO DEMAND ANY ADVANCE FEE BEFORE ACCOMPLISHING ANY CREDIT REPAIR WORK.

Check it for yourself at www.ftc.gov

We gave Jack a very good discount price. For our service. He was supposed to send $500 to get the ball rolling. Instead 7 days later we recieve $454.00 money order. ???
While the checks in the mail rutine He or his wife called every day twice a day.
"If you have that much doubt Jack I will cancel the contract, befor we get started on it." "No! just I have been burned before"
Now the day befor we recieved the M.O I did get sick . I was out for two days.
I got about 20 messages from Crazy Jack and his mean wife.
When I got back to work one of his friends had called . I gave him the base price - no discounts.
Later that day guess who ? Jack calls I answer . He starts cussing me out saying I am a liar and a cheat. First off he never paid the agreed price second I told him I would see what I can do. Now this all happened 9 days after he said he already mailed the funds of $500 .
When we did get the funds shot still we started it antway . Hell I thought that was nice of us.
Day 10 Jack calls early " I want my $500 now. " I told Jack we already started.
"I do not care" and hangs up Well the $454 was used to get the process going , really not enough, but still... Later he calls back " Stop the process you #$$^@$
and hangs up again. So I call and tell them to drop the file .
They do.
Now for the next 2 weeks he and his crazy wife call us , cuss at us threaten our lifes. Oh ya she is meaner than he is.
So No Jack L .of Houston, Texas Telephone # of 281)736-5764 or 516)369-8097
You will not get back the $ you put towards the repair. It was used. Under your own commade we stoped it! Oh just in case it takes 30 -45 days the 7 to 10 is getting all the information from Lenders, Banks, Collection Co.etc...So we can repair your credit.