| Liberty Debt Care |
| Liberty Debt Care TOOK MY MONEY & CONSOLIDATED NOTHING!! Madison Heights, Michigan |
| 30th of Nov, 2010 by User107409 |
| In 4-09, my husband suddenly abandoned me & left for Phoenix. Being disabled, I had no source of sustainable income & lived off my credit cards while my divorce was pending, inc. spousal support orders. I maxed out my credit cards to $36K. In 9-09, I contacted a debt consolidation company on a web site that I saw & not wanting to file for bankruptcy, I applied & was immediately contacted by Tom Jozwiak, a Financial Counselor for Franklin United (1260 Woodward Heights, Ferndale MI, 48220, 248-629-8543 direct, 248-404-6046 fax, [email protected], www.franklinunited.com). He, in turn, said due to my circumstances, I would be eligible for their "best" program through Liberty Debt Care. The contract documents were emailed to me, I filled out the required information, including bank info & driver's license, & faxed them back. I also needed to give Amanda Sherlock, my "Debt Processor", POA with my Wells Fargo CC, as that is what they wanted. Beginning in 9-09, a total of $375 was automatically withdrawn from my personal checking acct. @ Wells Fargo every 16th/month & continued until 10-10. At 1st, I had plenty of conversation with Amanda & also continued to receive nasty letters & calls from my creditors, which eventually abated, so I assumed that LDC & Amanda were doing what they said they'd do. Months would go by without any communication from them - I would email or use their on-line conversation form to try to get answers about how negotiations were going, what is the status of my acct. w/LDC & "why is Wells Fargo suing me now"? Each time it was ridiculously difficult trying to get any response from anyone there. Finally, Amanda apparently shuffled my account off to "Kevin" (I have no last name), who assured me that they were NOT scammers & we'd work "well together" to get things done. He apparently contacted Wells Fargo's legal rep, Cottrell Law Group & negotiated some kind of deal, that was never revealed to me. I was told the money in "retainer" was for settlement, but there was never any evidence of payment, other than their monthly service fee of $30 & Global Client Services take of $9.95/mo. Each time I asked a question by various methods, nothing happened. Suddenly, the end of 10-10, I noticed they had not taken their monthly $375. It was still "pending". A few days later, my acct. @ Global was marked for closure, with no more "drafts". I had a balance of $4.23, which was taken today, 12-1, by Global, for their monthly fee. A total of $4800 has been removed from my checking acct. since 9-09. I have no clue if any of my creditors have been negotiated with or the status of my LDC acct. My income is based on social security disability, my spousal support & the maximum I can make per month allowed by SSD. It's not much & to have $375 taken out every month for a service that wasn't provided makes me feel stupid & confused as to what to do next. Can you help me? I have copies of everything, inc. emails received & sent, all contracts & faxes & screen shots of all LDC & Global information from my on-line accts. I want my money back. These guys are crooks & scammers. |
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