Worldwide Financial Services ripoff debt reduction services Orange Park Florida
I entered into a verbal agreement with Worldwide Financial Services (formerly called Allstate Financial Group) in 10/04. They promised to cut my credit card debt in half. They had me contact all my creditors by letter and tell the creditors that I am now with Worldwide and that Worldwide would now negotiate with the creditors to reduce my credit card debt in half. That never happened.
I started getting nasty calls, letters, and was sued by one of the creditors. After I was sued, I called the lawyers representing the credit card companies, and they said that Worldwide never contacted them or returned their calls. That is when I cancelled Worldwide. They owe me $518 because according to their program plan, they would take the first 3 months of $518 that would be theirs. Each month after that they would take $259, half of the $518 and I would save the remaining $259 for the creditors. They continued to take $518 for 2 months when they were only supposed to take $259. I am disputing the total amount of $3,626 because they never did anything that they said they would. If I can't get the total amount, I would at least like the $518 that they took for the 2 months when they were only supposed to take half of that.
I have a letter that the CEO Christopher Ralph wrote to the Ohio Attorney General's Office saying that he would send me my money. I also have a letter from the Better Business Bureau saying that Worldwide said they had sent me my $518 on 11/15/05. I have not seen anything yet. I probably can't get my entire amount of $3,626 back, but I at least want the $518.
Worldwide has not responded to me, the Ohio General's Office, or the Better Business Bureau. I have backup documentation if you need it.
Barbara
Dayton, Ohio
U.S.A.
1 Updates & Rebuttals
Anonymous
Florida,Important Update
#2UPDATE EX-employee responds
Sat, June 28, 2014
After a very long investigation is has been found that the owner of the company is Christopher Michael Ralph. He resides in Florida, but also has residence in New York, and Colorado. He stared doing business in Panama R.P. back in 2007. Under the Company Omega International Company, S.A. which he declared bankrupt for owing money to many company’s including a Job staffing company. Then it was Merchant Services International, S.A. and then Global Financial Group, S.A. ad then HHH, S.A. It was also found threw the BBB (Better Business Bureau) he has created many different LL C's which include: WorldWide Financial Services, Inc.; Debt Relief International, LLC; Financial Counseling Services, LLC; and National Acct Servicing, LLC.
Which all have a F rating with the BBB. He also has lawsuits pending from the BBB including from Oregon Case # DM-12-0005 contact Patrick A. Fitzgerald. The violations that Christopher Michael Ralph have incurred including his legal representative who covers up all the things he does and lived illegally for over 4 years in Panama R.P. Mr. Craig J. Acton, include: Abusive Telemarketing Practices, Assisting and Facilitating Abusive Telemarketing Practices, Violating the National Do Not Call Registry, Failing to Transmit Proper Caller ID (Robo Calling), Initiating Unlawful Prerecorded Messages, Consumer Injury which violate the Federal Trade Commission Guidelines.Mr. Ralph obtained his clients illegally by Robo calling.
He promises to the clients that all they have to do is pay a monthly payment, while he accrues enough to pay off their debt by negotiating with the creditors, which never happens. The average client has a 3 to 5 year program, where he will declare bankruptcy and change the company name while the clients get there credit ruined and loose all their money and still have the debt. He uses what he calls a Parent Company which he uses to cover up his financials which is Express Management Group, LLC. Now this is not your typical business man, he is very smart and uses a Federal Tax Attorney by the name of Mike E. Jorgensen. The profits he makes and made from this business he also used to open Tanning Salons in Florida (Turbo Tan) and many other businesses which he then sells and pust the money back into Express Management Group, LLC.
How he makes his money is wrong and unethical. Not to mention in Panama R.P. where the Call Center was he did not pay his employees and avoided paying the government. I believe this case is Identical to United States District Court Central District Of California, The United States Of America Plaintiff V. ROY M. COX, JR. Case # SACV11-1910 DOC(JPRX). He claims he is a Non Profit Organization and a Law Firm which is a lie also. Now he is involved in the Medical Marijuana business “Health Law Services, An IJC Law Group Company”, and claims he has a law firm and a Non Profit Organization to help Floridians with obtaining Medical Marijuana. www.healthlawservices.org If you read the “about us” page you will see where Mr. Ralph claims bogus information on researching and regulating the laws in Colorado.
He also claims he worked with the likes of Senator Chris Romer, Councilman Charles Brown, attorneys such as Mr. Robert Corry, Mr. Brian Vincente, and Mr. Sean McCallister. And the sad part is he was making a profit from the Donations that were being made for Danijela Hughey who suffered from cancer. All this while paying his employees overseas $600 a month to run his businesses to then leave and not pay his employees, leaving them with nothing. Panamanian authorities are still investigating him for Fraud and Tax Evasion. Not to mention the Federal Trade Commission, Better Business Bureau, And the IRS. I hope this information is useful to all those who suffered from the scams and bad business practices.