Freedom Subscription, UniGuard Membership Daniel J. Richardson, Jr. Bait and Switch- Apply for a Payday Loan get two charges from Daniel Richardson Naples, Florida
This guy hides behind several websites including www.uniguardpluscs.com www.uniguardplus.net www.freedomcs.com and his company Last Chance Lists, LLC of Naples, FL.
The scheme is to get you to apply for a payday loan and then have you sign the terms and conditions for the payday loan. Once you sign THOSE conditions, you get a pop up from this site: loanterms.cl which tells you that you were also signed up for Uniguard and Credit and Advance. You will be charged unless you cancel, but you can't cancel because you don't have any contact info provided. You get charged either $19.95 first and then $49.95 second or vice/versa on your bank account info you provided to have the payday loan deposited into.
There are numerous complaints on this website and many others which you can easily find through a Google search on Uniguard or Freedom Subscription. So far I have only found a handful of people claiming to have received refunds. You should contact the police department in Naples where Daniel J Richardson, Jr and his wife Pamela Richardson live.... the phone number of the Colliers County Florida police department is 239-775-8477- you also need to contact www.ic3.gov and www.ftc.gov to file complaints. I have read that Chase Bank has been helpful with dealing with this company- US Bank has given people more grief from my experience and that of others.
2 Updates & Rebuttals
CBoydAtty
Dallas,Texas,
United States of America
Correction from Legal Counsel for Daniel J. Richardson
#3General Comment
Sat, July 16, 2011
This posting is made by legal counsel in correction and clarification of anonymous and other postings made to this blog by various persons concerning Last Chance Lists ("LCL"), the Uniguard program, and Daniel J. Richardson and his wife. Posts made to this blog pertaining to the Richardsons, LCL and Uniguard are false, inaccurate, misleading, confusing and wholly defamatory and slanderous.
LCL did not run a scam. LCL was a reseller of a package called Uniguard Plus. This package was offered by a very reputable company that has been in business for over 50 years selling consumer services. LCL was NOT the marketer of the product. LCL hired a Nevada firm to market the Uniguard package. This company was contracted to offer the Uniguard package through a bonus pop question on various websites through affiliate marketers. The bonus pop allowed consumers to opt in to the Uniguard offer. LCL never authorized the marketing company or any other party or person to market the product on a "payday loan" site. LCL received written confirmation from the marketing company that the Uniguard program was marketed through a bonus pop question and was NOT part of any auto-enrollment program associated with a payday loan.
The Nevada firm was also contracted to handle the customer service for the Uniguard product and was instructed to issue refunds immediately when a consumer cancelled the service. LCL has done everything they can to assure that every consumer who requested a refund did receive one.
LCL learned in late January, 2010, that there were apparently problems with the customer service center. LCL had no knowledge of any issues or complaints prior to this time. LCL believes that the customer service center handled numerous programs and was not properly trained. LCL believes that the customer service center apparently gave consumers incorrect information regarding the Uniguard program and how it was marketed. LCL believes that the customer service center confused consumers and/or led customers to believe that Uniguard was related to other website offers or payday loans, which it was not. LCL acted immediately upon learning of customer complaints and/or refund issues to ensure that all customer received prompt responses and refunds.
LCL did NOT offer any program other than Uniguard. LCL is NOT related to ANY company offering any other website programs and LCL is NOT related to any company offering payday loans. Our client operates a legitimate business and customer service is a priority.
Sincerely,
Cami Boyd, Esq.
Cami Boyd Law PLLC
7557 Rambler Road
Suite 560
Dallas, Texas 75231
CBoydAtty
Dallas,Texas,
United States of America
Correction by Legal Counsel
#3General Comment
Sat, July 16, 2011
This posting is made by legal counsel in correction and clarification of anonymous and other postings made to this blog by various persons concerning Last Chance Lists ("LCL"), the Uniguard program, and Daniel J. Richardson and his wife. Posts made to this blog pertaining to the Richardsons, LCL and Uniguard are false, inaccurate, misleading, confusing and wholly defamatory and slanderous.
LCL did not run a scam. LCL was a reseller of a package called Uniguard Plus. This package was offered by a very reputable company that has been in business for over 50 years selling consumer services. LCL was NOT the marketer of the product. LCL hired a Nevada firm to market the Uniguard package. This company was contracted to offer the Uniguard package through a bonus pop question on various websites through affiliate marketers. The bonus pop allowed consumers to opt in to the Uniguard offer. LCL never authorized the marketing company or any other party or person to market the product on a "payday loan" site. LCL received written confirmation from the marketing company that the Uniguard program was marketed through a bonus pop question and was NOT part of any auto-enrollment program associated with a payday loan.
The Nevada firm was also contracted to handle the customer service for the Uniguard product and was instructed to issue refunds immediately when a consumer cancelled the service. LCL has done everything they can to assure that every consumer who requested a refund did receive one.
LCL learned in late January, 2010, that there were apparently problems with the customer service center. LCL had no knowledge of any issues or complaints prior to this time. LCL believes that the customer service center handled numerous programs and was not properly trained. LCL believes that the customer service center apparently gave consumers incorrect information regarding the Uniguard program and how it was marketed. LCL believes that the customer service center confused consumers and/or led customers to believe that Uniguard was related to other website offers or payday loans, which it was not. LCL acted immediately upon learning of customer complaints and/or refund issues to ensure that all customer received prompt responses and refunds.
LCL did NOT offer any program other than Uniguard. LCL is NOT related to ANY company offering any other website programs and LCL is NOT related to any company offering payday loans. Our client operates a legitimate business and customer service is a priority.
Sincerely,
Cami Boyd, Esq.
Cami Boyd Law PLLC
7557 Rambler Road
Suite 560
Dallas, Texas 75231