Grant Funding Search - DBW Grant Express...ECT Company Grant Funding Search The Grant Express Theft and Fraud Henderson, Nevada

If you go to any of these "something for nothing" sites that offer the $1.95 or so CD and you go to the bottom of the page, you'll see a very small link to the "Terms" (usually opens in another window). There, the whole sordid, distasteful deal is laid shockingly bare.

Everyone should be aware of the following facts in these terms. They may vary a bit from site operator to site operator, but the basics are pretty much the same:

Yes, you pay $1.95 (or whatever) for the stupid CD, but when you make that final purchase click, according to the "terms", you're agreeing to sign on to (usually) 2 more services right there and then. These will be in the form of something like 1) a "personal wealth mentor" of some kind and 2) a subscription to some manner of "identity theft protection" service or "debt2wealth Club". Each of these "services" will also charge you to the tune of about $20 - $30. Each.

These are the "services" that will recur every month and be taken from your bank account or credit card. These are the ones that most people view as the "unauthorized charges", although if they read the terms, they'll find that they did indeed authorize them with their acceptance of the cheap (and generally worthless) CD with that final, fateful click.

You're told you have 7 days to cancel, but that's from the time you place the order. This is appalling, because I've gotten surface mail from only 3 provinces away, and the difference between the postmark on the letter and the day I got it? 7 days. So, you as soon as you get your silly CD, essentially the time window for getting your refund is gone. Remember too, that the 7 day limit for money back includes the turnaround time to send the damned crap back! Doomed from the start.

Oh, and those other services you signed on to? They have their own time limits for cancellation before they become regular charges too, and the time limits vary enough to confuse you.

Now then...

You may also be advised that you will receive, for example, "2 eBooks", one valued at $30 and the other at somewhere around $20 or so, for only the charge of ~$3 or so each. These charges will occur only once for each, but remember the volume of people being taken in by this sham. It all adds up. Please note that these are eBooks, there is no postage, shipping or handling involved. It's pure profit.

Under the terms and the pricing given, you can expect to see (if you allow it to continue) your account or CC being hit for around $120 per month.

So, now you're pissed off. You want to cancel, but it's not going to be that easy. They make sure of that... Each of these "services" is controlled by a different department, if not a different company entirely. You must call regarding each separate subscription service individually and cancel them one at a time. From other reports I've read on ROR, one or two of these controlling arms of the other offers may be very difficult or even impossible to contact and cancel from. At the very least it will take another couple of billing cycles to be able to do it.

So now you're super pissed and want to take legal action? Be prepared to travel. You see, also in the "terms", they make you agree to take action only within a certain jurisdiction... You may live in California, but you can only seek legal redress in the state of Florida... Could be worse, we in Canada are directed to the UK to seek redress in the courts.

And that's the best of the worst. As I said, these sites are just pushing the envelope of legality, and do so by putting the terms and conditions there on the site, but they obscure them deliberately by putting them under that tiny, little link at the bottom of a page that is suspiciously long. In fact, the page is so long, that there is a lot of blamk space between the bulk of information and the bottom of the page... Looks very much like they don't want you to find that "terms" link, doesn't it?

It's slimy from beginning to end. It preys on the needs and hopes of people who are the least able to afford being taken advantage of and how are looking, desperate even, to get a leg up on hard times and perhaps bad luck. Granted, some of these people may not be the sharpest knives in the block and they're seeing "easy money" instead of using common sense, but even so, no one deserves to have their finances totally, completely and utterly violated in this predatory manner.