Complaint Review: CWDSI - Boynton Beach Florida

July 3, 2010 I made an agreement with Country Wide Debt Solutions, Inc.   123 N. Congress Ave  #382 Boynton Beach, FL 33426.  Telephone Numbers:  877-712-2371,  877-712-3328,  Fax 877-295-2002  Client Services  561-807-1968,   This is more than 1 year later and no progress was made. The only progress made was lowering our credit score, many phone calls received, Garnishment was completed on their behalf.  

I noticed that CWDSI submitted the contract to Florida Department of Agricution and Consimer Services,  407 South Calhoun Street  Tallahassee FL  32399-0880.  Bill McCollum, Attorney General  State of Florida  Office of Citizen Service,  The Capitol  Tallahassee Florida,  33399-1050  Telephone:  850-414-3990  Fax:  850-414-1630  Lori Swanson  Attorney General  State of  Minnesota.  102 State Capitol  St Paul, mMn 55155  Telephone:  651-296-6196.  

Letters will be mailed to BBB of S.W. Florida & Caribbean  4411 Beacon Circle Ste 4  West Palm Beach, FL 33407  Telephone 561-842-1918  Fax 561-845-7234.  ip-off Report  P.O. Box 310  Tempe Arizona  85280  Telephone  602-359-4357.

Now to start the story,  I was convincer that the government does help to clear debts.  I or my wife did not have a missed payment before we started the "program".  They required $845.00  by
july 27, 2009.  Than $383.00 monthly there after.  Only the extra fees were made was Maintains fees, and  Activate fees were taken,  and no other payments were made.  My new company compleated 3 cards before the first payment was made. No payments were made even after one year form CWDSI.  

I am glad they presented the contract .but they forgot to show that they njeed to give service with the money I ok'ed to be sent to their account.  The only service was on February 12, 2010 an  order for a judgment from Kandiyohi Minnesota court fro an garnishment.    I do not believe this was part of the contract.  An extra money was needed for the Lawyer's fees were $723.00 for this lack of service.  No payments were made from CWDSI to any payments.  

Again, I request a total payment of $3526.00 and Gene Kelly's fees of $723.60  because of the lack of service.  I will attempt to collect this amount plus the expenses  needed from the court service.

 Before this was started, no late payments were made on the accounts.  Now I am afraid to check the  that I do not need to make payments,  It would make it easier to negotiate after this.  A big mistake on my actions.

As I talked to creditors,  They would not talk to CWDSI.  This was a let down.  I would guess about 300 to 500 phone calls were received because of this.  They stated this was a normal protocol, but the new company cleared the phone calls with in one week.  Letters were received in one week, and not 7 months later.        

The settlement list is impressive, except it is not ours.  Last years credit report listed revolving credit was $35,540.00 and one contract not listed for payment was Benifical of $15,000.00.  This leaves $20,540.00 for them for my payoff list not $330,227.00 as listed on the enclosed sheets. I have a credit report from 5/31/2009 and the most reacent one was printed 6/15/2010.   I can forword the reports to you as requested.

I am still requesting the payments returned, because of the lack of service according to the contract and no service was completed.  I do not believe I should need to absorb the cost of garnishment acquired from the lack of service.  The new company made the arrangements with in 2 weeks and before the first payment was made.  Less than one month 3 credit cards arrangements are completed.