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Report: #142306

Complaint Review: Due Process Limited/Back Bay Group/Debt Nemesis - Ocala Florida

  • Submitted:
  • Updated:
  • Reported By: Yukon Oklahoma
  • Due Process Limited/Back Bay Group/Debt Nemesis 303 SE 17th ST #309-194 Ocala, Florida U.S.A.

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I just want to caution anyone who might be considering getting involved with these folks. I found a man by the name of Ron Boston who claims to work for Back Bay Group which must subcontract for Debt Nemesis/Due Process Limited. I thought I had researched as best as I could for debt elimination companies, but not as good as I had thought.

The fee is extraordinary high--like about $3400 for this company to supposedly eliminate your debts legally. After paying my fee to the Back Bay Group, I received a really thick package full of different kinds of books with further instructions as to what to do next. This company almost nickel and dimes you to death. It's one fee after another. Not only do you pay an exorbent fee upfront to just get into this program, but you must pay additional fees per credit card to get them into arbitration-which really doesn't do anything for you anyway, because most times you're going to end up in court in the long run. In addition, they request that everything be sent certified, which is still more additional money.

Granted, the letters they have you send out to your creditors causes them to slow down the collection process and diminishes contact with you-for awhile. Still, there are going to be those that violate no calls and push forward.

After about 6-8 months of attempting to work with these companies, none of our credit cards were eliminated legally as they said they would. In fact, we actually had one of our creditors sue us and attempted to take us to court. Mr. Boston indicated that he would "pay" upto $1000 of his money(which really was our money that we initally paid) for services of a local attorney to represent us in court against this creditor. Not wanting to mess with this no-nonsense company and their unethical practices, we "bailed" from their so-called debt elimination program.

When I inquired about a refund, all I was told was that the 30-day time period had expired. 30 Days! Who are they kidding? There was nothing written anywhere or explained to me that we had 30 days to see if this program was right for us. There is absolutely no way one can determine in 30 days if this program was right for us, because there is no sign of any results that could possibly take place within 30 days. It is a very long, dragged out process.

Funny, how when I emailed their "workgroup" with my inquiry, all of a sudden, they didn't respond like they did previously. To this day, I still haven't gotten a response. Don't even think about sueing them, as they state that all differences will be settled in Florida, and unless you plan to travel back and forth, it's a losing battle.

If you really have debt problems and would really like to eliminate your debts, forget about these companies that are full of empty promises. They only take your money and your out even more. Best advice, consult a consumer credit counselor or seek out the assistance of a local attorney---trust me, it's far cheaper in the end than what these scammers have done to us.

If they are still out there, you can be assured they are still taking money and not really taking care of the problem, just creating a whole set of new ones.

If they were any kind of decent company, they would do the right thing and promptly refund a majority of our money paid. Even a small processing fee can be dealt with, but losing six months of hard-earned money is a tragedy. If I would have known that it was going to cost me so much in the long run, I could have just used this money to pay down several of the cards I owed on in the first place.

Please, please don't get duped by these companies. I may be out my money, but there is no reason that anyone else needs to send another dime to these folks. Put them out of business by not doing business with them anymore.

Peggy
Yukon, Oklahoma
U.S.A.

This report was posted on Ripoff Report on 05/11/2005 05:53 AM and is a permanent record located here: https://www.ripoffreport.com/reports/due-process-limitedback-bay-groupdebt-nemesis/ocala-florida-34471/due-process-limitedback-bay-groupdebt-nemesis-ripoff-misleading-information-and-ruthle-142306. 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. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
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3Employee/Owner

#6 Consumer Suggestion

Alternatives I have found

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

POSTED: Wednesday, May 30, 2007
I highly recommend "Beating up on debt collectors" by Richard Cornforth. As for Citibank suing you, you can learn to say "bring it on" when you learn why they have no standing to sue you, and you would do just as well to sue them instead. "Put my finger on the law that binds me to a contract I never signed." If you study the materials, you can learn how to handle the credit card "contract." All credit card contracts are ultra vires. I leave you to do your homework. There is nothing to be afraid of if you know where you stand, where they stand, and the rules of evidence (basically, they have no evidence, but don't want you to know this. Learning how to object to their case is necessary. It's not hard once you know how). Our judicial system has become a joke, and it's amazing what gets by as "justice" these days. These jokers charging a bunch of money are basically using relatively simple concepts you can learn on your own.
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#5 Consumer Comment

Originator of post returns.....I'm back, still here with my outrage against this company.

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

POSTED: Wednesday, May 24, 2006
Thank you, thank you to the ex-employee for posting your response. I am so glad to know that I wasn't the only one and that I was the only one bold enough to put it in writing. So are you telling me that I'm not out of line by stating that I was scammed out of $3400? Mr. Ron Pierce AKA Ron Boston told me that he was going to personally pay $1,000 for our attorney that we were going to need because of Citibank sueing us. I find that extremely funny, since I had paid him all of that money.

Yes, I bailed and yes I believe that you Mr. John should refund some of my money if indeed your company is so grand, than why wouldn't you provide the customer service too? And, after reading the above information, how could you even hire someone such as Mr. Ron Pierce(Boston) with that kind of background and want him representing your company with honesty and integrity? And do you really think this program is worth $3400? I bet you do, as that is money in your pocket.

It was an extreme struggle to come up with that kind of money, but I thought it would be beneficial. In the end, just another very, very expensive lesson. You can never trust anyone. The reality is that I could have taken that very same money and paid off 4 or 5 of my cards outright. Instead, I used resources of beloved family members to help me out. You and I both know that this is a bunch of bologna bullcrap.
How is it that you are behind this program, and you don't have a clue as to what people are saying? Sure, I got all kinds of answers from the workgroup when they responded. Especially, when I still owed them money.

And you Mr. Ron. I spoke to you personally and you didn't tell me that I only had 30 days to determine if this was right for me in order to get a refund. How the hell am I to determine in 30 days if this is right, when the whole process takes months? Is that why eveyone hides behind something? Passing the blame to someone else, and in the end the dollars all roll the same way. For the company, against the people.

One last note, Mr. John, if you really want to make this right, I'll be sending you my very own personal letter addressed just for you so that you personally can mail me my due refund. And like so many other times, I'll even send it certified with a return receipt.

So for those of you involved, and you know who you are. I'm still out here and I really do exist. I've moved away to another state, but my forwarding address will find me. Pull your records and I'm sure you will find that I'm the only one with initals of PS in Oklahoma.
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#4 Consumer Suggestion

Let me give you some advice...

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

POSTED: Wednesday, May 03, 2006
If you are looking for some debt relief, do NOT pay ANY company for any company's services. Everything you need to know is available through the net and the government... yes, the government. No one is stealing any company "secrets" about debt relief, by the way. It's all available for public viewing and usage. The public just has to work at it.

Forms, letters, everything you need is available to the consumer for purchase (yes, there is a cost in some cases). There are books, pamphlets, and newsletters with great advice on how to write letters, what to include, who to send them to, etc.

There is NO NEED to shell out thousands of dollars to ANY company to do this for you. It IS some work, yes.... but you'll save in the long run, plus get a very valuable education in real-world credit practices.

Good luck to all!
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#3 REBUTTAL Owner of company

Stole and Copied Work?

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

POSTED: Tuesday, May 02, 2006
My name is Richard Russ I am one of the owners of R & G Marketing, LLC. I, at one time worked with The Back Bay Group Inc. I was never a "Sales Agent" for John Gliha. I left The Back Bay Group Inc around May of 2005. I left there for several reasons.

The first reason I left was because my supposed business partner Ron Pierce AKA Ron Boston disappeared to Costa Rica one night. No one, including his supposed wife knew where he had gone. I then found out he was a convicted child molester. http://www3.fdle.state.fl.us/sexual_predators/OffenderFlyer.asp?keys=46786

The second reason I left was that I was supposed to be a partner in Back Bay Group Inc. I then found that my supposed business partner Ron Pierce conveniently left my name off of the article of incorporation. Which actually is fine and dandy. I am glad that he did.

There are several other reasons why I left. Many are unsatisfied customers who were calling me daily which started giving me some concerns to the real abilities and strengths of the program. My current company still fields calls from VERY unhappy BBG and Due Process customers. So did I or anyone tell customers to file complaints? You bet! Why would I not? They are very unhappy, frustrated and they feel abandoned. I do not work for BBG nor DP so I could not help them with their issues. Taking legal actions to recover any of their financial loss with BBG or DP would be the appropriate thing to do. I can honestly say, that I personally do not know of 1 single happy BBG or DP customer. All that i have spoke with after the fact feel ripped off, say their financial situation is worse, and they would like to know what to do to recover their loss.

In light of this, I am sure it is needless to say that I nor Greg Britt have tried to "sabotage" John Gliha's business. He has done that for himself. I have not tried to copy his work as why would I want something I believe to be flawed and worthless. I now market fo the CCDN and another attorney network which has been able to show me 1 they can do what they say and 2 they have outstanding customer service and customer satisfaction. As far as being sued..... I have not seen a summons yet.

As far as Peggy's case, I do not know who she is or anything about her case but she is only one of MANY unsatisfied customers that I know of.
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#2 REBUTTAL Owner of company

Response to Peggy, who apparently simply quit

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

POSTED: Tuesday, January 24, 2006
The debt relief program provided through Due Process is a frustratinig experience for many. The coomplaintant in this cse who calls herslef "Peggy" is a prime example ofone who simply quit. Threw up her hands in frustration and despair. By no means did the program either fail her or abandon her. She simply quit. Plain and simple. If she was seven months into the program there is no doubt that (1) her credit report was shot, (2) that bill collectors were calling her, (3) that she had other charges facing her. In fact, she was told each of these things well in advance of her purchasing our services. Frankly, no one in their logical mind would assume that eliminating his or her credit card debts is an easy task. It isn't. We have no magic bullets, no secret methods, no flim-flam. Ours is a logical progression of steps that require us to wait to see what the banks will do next, then we respond accordingly. Peggy - if there is such a person - got tired of waiting and wanted it to be over. I don't blame her for that. I do blame her for quitting. Should we have coughed up a refund? Let me ask a question... if you entered a race which required an entry fee, learned all the steps and procedures needed to win that race, then quit at the half way mark, would you expect your money back? I don't think you would. Neither should she.
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#1 REBUTTAL Owner of company

General Manager

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

POSTED: Tuesday, January 24, 2006
Peggy's comments are not accurate. Due Process LTD has been providing this service for over twelve years. Peggy is not alone, others have had similar objections to our service, and when we have been provided a fair opportunity and adequate notice to respond, we do.

Most of the time these matters are resolved amicably. In this case, it was this posting that was my first knowledge of the problem she has described.

Her comments about the price and fees are not accurate either. Our fees are very low, in fact, they are about 1/3 of what people normally pay through debt settlement or other means of resolving debt problems.

If she would have followed our program, the amount of money she could have saved would have been substantial, tens of thousands of dollars.

She appears to misunderstand the purpose of our service. We do not force creditors to say that no debt is owed, we force them to prove their collection claims. In the process, many of them withdraw the collection action and many do not pursue once they realize the expense and time involved.

We show our customers how to take advantage of the Consumer Credit Protection Act, which precludes creditors from imposing wage garnishments in many situations and greatly reduces the amount of money any of them could ever obtain permission to garnish.

Just recently, two of our sales agents (Richard Russ and Greg Britt) tried to sabotage our service by contacting our customers and telling them to file complaints against us. Their intent was to copy our work and sell it by themselves so they could make more money and not have to pay the legitimate trained and professional service.

Like others who have tried this, they are now being sued for this and other violations. This may also explain Peggy's complaint. In fact, it was Richard Russ who sent me a copy of her complaint just an hour ago.
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