Complaint Review: Express Consolidation

I am under contract with Express Consolidation. At first everything was fine. I started getting phone calls from one of the creditors I am trying to pay off. They advised they never received a proposal from Express. I told Express & they asked for my account info with the creditor & said they would resubmit. For a few months I heard nothing.

I starting receiving new calls from the same creditor. They stated I was 79 days in arrears & a check that Express sent bounced. I had to pay them $155.00 in leu of $116 that I pd to Express.

I tried calling them, e-mailing, every way I could to contact them. Customer Service had me on line for 20 minutes everytime I called. When I finally got through, they advised the bank they use had the wrong acct. # on the checks that went out in Dec. of 2002.

Needless to say, I am very worried that all of this is going to blow up in my face. I am trying to keep this from my husband as he was very upset that I had all these bills to begin with.

Any suggestions? Would you consider them in Breach of contract since their check bounced?
I'll take all the advise I can get.

Eileen
Baltimore, Maryland
U.S.A.