Just Dreams, Honolulu Hawaii SCAMMED Honolulu Hawaii

While on our honeymoon my husband and I were approach by a Just Dream representative "Want to save money on your next vacation?" I know you do, who doesn't!" Come to a free seminar and we will show you how.  So we attended. Initially, I was pretty sure I didn't want to signup for anything. My husband on the other hand was intrigued. Especially, when they said you can cancel at anytime no questions asked. So, with great reservations we signed up, paid our $250.00 processing fee, got our d**n free boxes of chocolate covered Macadamian nut clusters and left. Once we returned home, we looked on the website and found out that the special discounts and deals that were spoken of in the seminar was a bunch of crap. I then called and cancelled. Shortly after I called and cancelled my credit card to make sure they didn’t try charge my card.  Now 1 1/2 years later my husband has been getting collection calls from a collection agency representing Just Dreams.  My husband brought this to my attention.  He gave them my number.  I received the call, I then informed them that I had cancelled this.  They then said there are two parts to the Just Dreams contract.  The Just Dream and a loan company.  WHAT THE H***?  According to them we had made 5 payments.  Which I’m still confused about.  I cancelled the credit card used during the initial process because I didn’t want them charging my card. Soooooo, not sure how they were receiving payments.  And since I refused to pay for something that should’ve been cancelled, its now ruining our credit and there are threatening to sue us.  My husband keeps getting phone calls telling him he needs to pay a renewal fee.  Unbelievable