This is a debt settlement company that I joined up with in June of 2008. They offered me a promise of debt settlement within 6 to 8 months. The scam is that while you are waitiing for them to negotiate your debts, they are collecting your money through Automatic Transfer Funds from your checking account, waiting for a balance to acrue in another account that they claim will be used to pay down your debt after they negotiate. Repeated phone calls to this company go unanswered, until I threatened to close my account. NOTHING is done on your behalf until they are ready to negotiate In what was told to me would be a 6 to 8 month period. Multiple faxes to this company were lost and others not responed to. They changed their phone number in January 2009 without ANY notification to clients. Their response was "We are growing so fast we had to move". When I expressed hardship in saving the requested funds, they took $100 more per month to cover their "Fees". Nine withdrawls from my checking account were taken in a 2 day period, causing other checks to be returned for insufficent funds. While they fixed that situation, with several "I'm Sorry" calls, once it was resoveled. This may work for some people but this company kept throwing up "red flags" to me until I felt that with a ruined credit rating, it was time to cut my losses, and do this on my own. The original debt settelment they had enticed me with was 42% of the original balance. However my debt was only reduced by far less than that. muliple people answer the phone, and messages go unanswered.

Clint Alexander was my original contact, and with his slick soothing, southern accent made me feel like they would take care of evertything. When I decided this was a bad decision to join this company, he made comments like "you need to do your part" and made statements that he failed to delivery upon as well as not to return phone calls. I find it laughable that this company closes their response with an offer to help, that offer was only extended twice, during the initial phone call and then again ONLY when I fired this company for LACK of help. The Fact that I was notified by the BBB that this company also FAILED to respond in a timely manner, and that BBB ws closing the case, goes right in line with the experience I have had with them. Also the fact that I was NEVER made aware that my phone calls were being taped until only after I expressed a dissatisfaction with the way my account was being handled further exhibits the unscrupulous ways these people do business. I only agree with one of their Statements, and that is that the requested refund amount is greater than the fees received. That in part to the 217.10 already refunded, and the anticipation of more fees withdrawn from my account. At the time of the complaint NO refunds were issued and No action was taken by Debt RX to suspend transfers from my bank. As of April 17th 2009 there has been 1 refund issued and that was the March withdrawal of $217.10. Another refund of $543.03 has been promised but as of this writing (April 18,2009) has yet to be delivered. I was advised to set aside money every month by an employee of this business, and I expressed my hardship in doing this for the first few months of the contract, but would in fact be able to catch up after the first of the year. I was told that it would take 6 - 8 months of saving to have the necessary funds to negotiate.

Therefore I felt I had time on my side to raise the prescribed amount of funds in that 6 - 8 month time frame to be in line for the negotiation of the settlement of my debt. When that time frame came to pass I had the amount of money that was needed to negotiate but I was informed by the company that the creditors would not accept that amount. They in fact wanted nearly double that to even begin to negotiate. It was this final straw that made me decide to dissolve the relationship with Debt RX USA. Also by blaming the bank for the excess withdrawls is another untrue response. The error was on the part of Debt RX USA. While the issue was resolved in 3 days, it was one of multiple "Red Flags" thrown up by them. I question their definition of "Good Faith". When in fact by "helping" me they failed to respond to Faxes, phone messages, and certified mail in a timely manner. These resulted in summonses to court, deteriorating credit scores, and misinformation as well as health issues, and MANY sleepless nights, that they Claim to help alleviate in their website. As far reducing my fees, That is just a flat out LIE. When I signed on with this company I was told that for the first 3 months I was to send them through automatic withdrawls $543.07 per month. After that I was to put $325.97 a month away for the negotiations. The remaining $217.10 was to be used for their service fees. When I expressed a hardship to be able to save the required negotiating fee ($325.97),over the first few months of the contract. However,I would be able to catch up over the first 3 months of 2009 to have the required funds for negotiating Debt RX USA raised it's service by $100.00 per month. In simpler terms, acccording to the contract, Debt RX USA was supposed to take $1846.31 during the first 4 months of the service, they in fact took $1846.27 a total savings to me of 4 cents. Over the next five months I paid them $1385.52, according to the contract the total fees for the 9 month period should have been $2931.81, in Truth, I paid Debt RX USA $3231.77, $299.81 over what the contract called for. So the assertion that I was afforded something for free or reduced rate is ludicrous.

Any offer to provide me free service was made AFTER I decided that these people dealt in anything but good faith. Again, as of April 18, 2009 of the $3231.77 I spent for this "SERVICE", only $217.10 has been refunded. Therefore the "CLAIM" that I was given an offer of free service comes after I had been over charged by $299.96. A company that offers to help someone in a financial crisis when they in fact don't inform you of the tax implications that you face at the end of your settlement, and offer nothing but excuses when questioned about concerns that clients like me have. I have decided as of February 2009 to close my account with Debt RX USA due to POOR customer service, and a complete failure to deliver what they claim. A refund in full is hardly alot to ask for when one faces financial collapse.

Argie

Boston, Massachusetts

U.S.A.