Tell us has your experience with this business or person been good?
American Leisure Card Company, ALCC RIP OFF WAS SUPPOSE TO HELP CONSOLIDATE TO HELP ME CONSOLIDATE MY DEBTS AND RE-ESTABLISH GOOD CREDIT! Largo Florida
On August 1, a woman contacted me about consolidating my debt and re-establishing my credit rating. I had spoken and inquired about this with a number of companies over the past year. Finally, the offer that later I discovered was too good to be true. I was informed that I was approved to receive a Mastercard with a $2000 credit limit and 0% interest for up to four years.
All I had to do was to pay $199.90 in interest up front and a minimum of $10 a month on any debt that I wanted to tranfer to my credit card. After two years Equifax and the other major consumer credit companies would provide me with a high credit rating. I further was to receive a free trip to Orlando, FL for three night and four days with $100 in gas coupons that could be used anywhere.
This was to be sent via UPS within 7-10 days. I didn't have the funds in my account at the time. She then offered to draft a check on my checking account on the day when I was to be paid. (part-time summer employment for an underpaid school teacher) That day was to be 8/9/2002.
My bank online banking statement showed that a draft for $199.90 was made on 8/13/02 to ALCC 800-587-4152 and another draft for $10 to ALCC on the same day(UPS) charges. After ten days, no package from UPS. On the 14th day I called American Leisure Card Company (ALCC) and the answer machine stated that "business operations for B.A.B.C. had been temporarily suspended until further notice..."
Suddenly, I realized I had been ripped-offed. Besides the lost of $209.90 to some greedy scam artist... i also had several NSF fees for gasoline and groceries that I thought I would be able to catch when my credit card arrived. My disappointment is almost paralyzing emotionally. If being in debt wasn't bad enough, now I have developed paranoia toward all of these debt consolidation companies calling sometimes daily to help. Sooner or late I guess thay figure they will get someone.
Sorry, I put my info in the pool seeking help. Who is legitimate? Who is a scam artist? Somebody help?