Mike
Radford,#2Consumer Suggestion
Fri, November 07, 2003
You need to go to your bank NOW and file an "unauthorized ACH" report to get your money back. Remember, you didn't authorize the draft, you told them not to before they went ahead and did it anyway. So you aren't lying at all to request the bank to charge back the money. This sounds like a clone of other phony credit card offers and I'm sure the company will never refund your money, especially after the 60 day limit.
Anyone who asks for money up front to issue you a "unsecured" credit card or loan is setting you up for a disappointing rip-off. If a legitimate company finds your credit is good enough to issue the card or loan, they'll add any fees onto the initial balance. Be sure these fees are small before agreeing to anything (if your credit is good, accept NO initial fees). If it is a "secured" card, they will need money up front, but this money will be kept in a savings account and you can get it back if you pay off the card. This is a much better deal for people with bad credit than the numerous high-fee "unsecured" offers out there.
Never buy anything offered by unexpected phone calls. If it isn't an outright rip-off, it will be something that you could easly have found for a better price somewhere else. They use this sales tactic to catch you off guard and get you to agree to something after hearing only one side of the story. If you get such a call and the product seems worthwhile, get their name and number and offer to call them back after you've done some more shopping. If they say this is a "now or never" offer, choose never. It's a rip-off for sure. Legitimate companies will welcome your business at any time. Really you won't be missing much by having your number on the "do not call" list.
Mike
Radford,#3Consumer Suggestion
Fri, November 07, 2003
You need to go to your bank NOW and file an "unauthorized ACH" report to get your money back. Remember, you didn't authorize the draft, you told them not to before they went ahead and did it anyway. So you aren't lying at all to request the bank to charge back the money. This sounds like a clone of other phony credit card offers and I'm sure the company will never refund your money, especially after the 60 day limit.
Anyone who asks for money up front to issue you a "unsecured" credit card or loan is setting you up for a disappointing rip-off. If a legitimate company finds your credit is good enough to issue the card or loan, they'll add any fees onto the initial balance. Be sure these fees are small before agreeing to anything (if your credit is good, accept NO initial fees). If it is a "secured" card, they will need money up front, but this money will be kept in a savings account and you can get it back if you pay off the card. This is a much better deal for people with bad credit than the numerous high-fee "unsecured" offers out there.
Never buy anything offered by unexpected phone calls. If it isn't an outright rip-off, it will be something that you could easly have found for a better price somewhere else. They use this sales tactic to catch you off guard and get you to agree to something after hearing only one side of the story. If you get such a call and the product seems worthwhile, get their name and number and offer to call them back after you've done some more shopping. If they say this is a "now or never" offer, choose never. It's a rip-off for sure. Legitimate companies will welcome your business at any time. Really you won't be missing much by having your number on the "do not call" list.
Mike
Radford,#4Consumer Suggestion
Fri, November 07, 2003
You need to go to your bank NOW and file an "unauthorized ACH" report to get your money back. Remember, you didn't authorize the draft, you told them not to before they went ahead and did it anyway. So you aren't lying at all to request the bank to charge back the money. This sounds like a clone of other phony credit card offers and I'm sure the company will never refund your money, especially after the 60 day limit.
Anyone who asks for money up front to issue you a "unsecured" credit card or loan is setting you up for a disappointing rip-off. If a legitimate company finds your credit is good enough to issue the card or loan, they'll add any fees onto the initial balance. Be sure these fees are small before agreeing to anything (if your credit is good, accept NO initial fees). If it is a "secured" card, they will need money up front, but this money will be kept in a savings account and you can get it back if you pay off the card. This is a much better deal for people with bad credit than the numerous high-fee "unsecured" offers out there.
Never buy anything offered by unexpected phone calls. If it isn't an outright rip-off, it will be something that you could easly have found for a better price somewhere else. They use this sales tactic to catch you off guard and get you to agree to something after hearing only one side of the story. If you get such a call and the product seems worthwhile, get their name and number and offer to call them back after you've done some more shopping. If they say this is a "now or never" offer, choose never. It's a rip-off for sure. Legitimate companies will welcome your business at any time. Really you won't be missing much by having your number on the "do not call" list.
Mike
Radford,#5Consumer Suggestion
Fri, November 07, 2003
You need to go to your bank NOW and file an "unauthorized ACH" report to get your money back. Remember, you didn't authorize the draft, you told them not to before they went ahead and did it anyway. So you aren't lying at all to request the bank to charge back the money. This sounds like a clone of other phony credit card offers and I'm sure the company will never refund your money, especially after the 60 day limit.
Anyone who asks for money up front to issue you a "unsecured" credit card or loan is setting you up for a disappointing rip-off. If a legitimate company finds your credit is good enough to issue the card or loan, they'll add any fees onto the initial balance. Be sure these fees are small before agreeing to anything (if your credit is good, accept NO initial fees). If it is a "secured" card, they will need money up front, but this money will be kept in a savings account and you can get it back if you pay off the card. This is a much better deal for people with bad credit than the numerous high-fee "unsecured" offers out there.
Never buy anything offered by unexpected phone calls. If it isn't an outright rip-off, it will be something that you could easly have found for a better price somewhere else. They use this sales tactic to catch you off guard and get you to agree to something after hearing only one side of the story. If you get such a call and the product seems worthwhile, get their name and number and offer to call them back after you've done some more shopping. If they say this is a "now or never" offer, choose never. It's a rip-off for sure. Legitimate companies will welcome your business at any time. Really you won't be missing much by having your number on the "do not call" list.