My company negotiated a discount for the data and paid a year in advance effective nov of 2006 with Mike Parisi who informed me that prior to settling on a renewed purchase we would discuss the details since,among other considerations, he could not guarantee the same price for the next period. I accepted that to mean that there would be no going forward prior to a conversation between the both of us.
In January of 2007 my foreclosure division decided to permanently cease operations and therefore i had no further need of the data. When we closed down the location in april of 2007, I sent foreclosures daily a letter asking them to give me a refund for the unused portion of the year i had prepaid. i also gave them the option to refigure the rate since i had recived a discount. They did not respond to my request, brazenly ingoring me. I should have filed the complaint then.
I then went to the website and looked for the terms and conditions to see how much of a refund I was entitled to. I could not even find the terms and conditions as they were hidden from view of any prospective customer. I FEEL THAT IS MISLEADING AND DISHONEST. I then started making a new order choosing a county and a term of a year to see if I could access the terms and conditions that way. Low and behold they pop up before the order is finalized but not before. I then read them, and found, THERE IS NO PLACE ANYWHERE IN THE TERMS AND CONDITIONS THAT THEY GIVE A REFUND POLICY OR ADDRESS MONEY AT ALL! This is also terribly unprofessional and leaves the customer thinking that they can have their money back if they are not satisfied. IT IS TERRIBLE THAT YOU HAVE TO PLACE AN ORDER JUST TO SEE THEIR TERMS AND CONDITIONS.
Still wanting a refund for the ten months of data I prepaid and had no use for, I called them up on their sales line and asked a sales rep about if I prepaid for a year and I had no use of the data how much money I would get back. Only after prodding the rep three times did I finally get the answer, NO REFUNDS, YOU ARE OUT OF LUCK !
That is very unfair!
I THOUGHT THE ACH COMPANIES REQUIRE A FAIR REFUND POLICY FOR ITS MEMBERS!!
This company doesnt abide by the terms and conditions of their membership of the BBB! I bet IF THE BBB KICKED FORECLOSURES DAILY OUT OF THE BBB THEY WOULD REFUND THEM, NO?
What is good for the goose is good for the gander.
I then abandoned my effort to get a refund from the RIPPOFF COMPANY FORECLOSURES DAILY!
Well IT GETS WORSE!!
On Nov 1,2007, this company TOOK THE SUM OF $5,952.00 OUT OF MY CHECKING ACCOUNT WITH NO AUTHORIZATION WHATSOEVER!!!
I never got a call from Mike Parisi before hand as he had promised and even though i had sent a letter cancelling the present year, tellling them i was out of business and had no further need for the data, they still TOOK MY MONEY!
I called them several times and never got a return call, even though i called them several times a day they never called me back until four days later and offered half refund. I refused saying they never had the right to take a cent from me.
They used the excuse that they didnt get a cancellation for the upcoming year so they were within their rights to charge me again.
Their terms and conditions do not ever say they will take any money from me, and the terms and conditions do not even address any money issues whatsoever!The terms and conditions clearly say that those said terms and conditions constitute the entire agreement and there is no modification.
So by there own terms,they cannot charge me.
I think that my letter cancelling the first purchase after only two months and request for a refund and statement that i have no further use for the data is more than enough notice not to charge me going forward
I demand a refund in full and ask that you expel them from membership forthwith for violating the BBB tenants and for fraud in connection with their billing practices.
Sincerely,
VIOLATED BUSINESSMAN
COMPANIES OUGHT TO JUST TAKE MONEY FROM THEM AND SEE HOW THEY LIKE IT !!!!
Pietro Small Businessman
Oldsmar, Florida
U.S.A.
EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER! Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report ..
The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action. And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
[email protected]badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumersCLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, it's paid for!