Silar Financial Common Sense Group Took my money and won't give refund Long Wood Florida
I received a call from the Common Sense Group stating that they could help me lower interest on my credit cards to pay off my cards 3 to 5 times faster. After a long confusing spill, I was tricked into giving my credit card number to pay for their services. The fee was $1595. The transaction was recorded over the phone. I was somewhat upset with myself feeling I had made a bad mistake. My credit card company called to see if I knew about this big charge. I told her I felt as if I had made a mistake and wanted to cancel the charge. She said I needed to wait till the charge posted and then dispute it. I called the company and told them I did not want their service. She became irrate with me and played back the recording where I had agreed to charge my credit card. She said that I must speak first to the financial counselor. I told the financial counselor,Darla, that I had changed my mind and wanted a refund. She said that the only way I could be refunded is to see if she could save me money on my interest. She was very upset that I would even ask for a refund. The next time she called I once again told her that I did not want the service. She said let's see if we can get the interest lower on these 2 credit cards. We made a conference call and neither one would lower their interest. I told her she was not helping me and I want to cancel the service. She yelled at me and said that she could not cancel it. I have already wasted two hours with her and they had sent me out a DVD and a booklet. She said she will call me back for the next session. I told her I want a refund. I feel as if I could have called the credit cards myself. I only have 4 cards. I have filed with my credit card company to dispute the card. So far they have not received any reply from Silar Financial. I pray that I will soon get a refund and can get on with my life.
3 Updates & Rebuttals
Darla
Florida,Not totally true
#4UPDATE EX-employee responds
Mon, October 20, 2014
I stopped working for this company for several reasons, but can tell you that I never yelled, denied refunds or bullied any of my clients. If I did play the recording for them, mostlikely they were yelling at me and saying they never agreed to the terms.. If I could not help them save money on their credit cards as promised, I would request a refund. If the refund was or was not given, it was out of my hands and I never told the decision. Outside my paygrade... There would be no reason for me to yell at any client. Not my business and no loss to me. I am a very honest person that had over 2800 clients that were either happy or a refund was requested. Once I gave the file to my supervisor it was out of my hands. I feel badly if they were taken advantage in any way.
Mary
Lake Luzerne,New York,
United States of America
I am going thru the same thing now
#4Consumer Comment
Sat, October 27, 2012
This is the exact problem I am dealing with at this moment. I called Common Sense group every day for 1 week to cancel the service and never received a call back from the "supervisor" Dee Dee Albertson until yesterday. I purchased this "service" after receiving a phone call from the telemarketer. I had just worked an overnight 12 hr. shift at Saratoga Hospital, NY. Needless to say, I was tired and made the decision to buy without consulting my boyfriend and financial advisor. The agents told me that I had already been doing a great job with my credit but still allowed me to purchase their product. My first appt. with Darla also did not yield any decrease with my Bank of America cards' interest.
The company has also told me that I had to wait the full 2 years or pay off my cards to show that I did not need them before I could get a refund. I have had the service for less than 1 month and only had 1 phone appt. with Darla. Ms. Albertson asked if I thought they were going to work for free. I replied of course not and would pay for the app. 4 hrs. that they said they had worked. She then said she would have to talk to her supervisor, Darla.
I am very discouraged and feel that these people have taken advantage of me. If anyone can help me get this $1595 off my credit card I would truly appreciate it.
Kathy
Irving,Texas,
United States of America
conflict dissolved
#4Author of original report
Thu, May 31, 2012
after speaking with Amy at Silar Financial, I feel I may have been scared to give so much personal info to someone I did not know. The counselor did call my credit card companies and try to get a lower interest on the cards. I should have trusted her more to work with me. My husband also did not know that I was doing this. I felt like I could not afford the fee. I am sure this service can help many people who have more credit cards and are paying high interest for many years. They can get your interest lower and help you pay off your cards sooner. I do feel that they would be able to help many people. Amy and I did work out a solution. I feel overall that this service would be an asset to people struggling to pay their credit card payments.