Internet's first get-out-of-debt community - 134,000 members

Posted: Thu Feb 09, 2006 4:26 pm Subject:

Collectors are allowed to call your place of work only to verify your employment. They should not discuss with anyone about your debt and other personal information. Unless you inform them in writing to stop calling you, they are not violating the laws.

Thus, you have to apply the �do not call' policy. This should be done in writing for records with the company. After being informed, any additional calls coming to your work violates the FDCPA laws and the collectors can be shown the way to a class action lawsuit.

Mattch · Posted: Mon Feb 13, 2006 10:38 am Subject:

I'm talking about telemarketing. These people are trying to tell me i'm approved for a $3,000 credit line or something, they aren't collectors...

Posted: Mon Feb 13, 2006 1:49 pm Subject:

Mattch, have you enabled the 'opt out' feature in your credit report. This feature helps you in getting rid of all the telemarketing calls coming at your end. Contact the three national bureaus and have your name removed from their system. Once it's done, you won't get such telemarketing calls.

You can also send a mail to the direct marketing association for stopping such calls. You can not only stop these calls that can tempt you but you will be able to control your debt from rising higher.

Dianne Hilliard · Posted: Wed Feb 15, 2006 9:49 am Subject: I have been stuck too

They have been calling me , and sent me a card plus aroadside serive card if this is bad then i don't want there service

Posted: Wed Feb 15, 2006 10:24 am Subject:

Dianne, call the customer care and request them to cancel your card. Send a cancellation letter in writing and insist for a confirmation reply. This paperwork will be your proof that the card has been cancelled and henceforth, you won't be liable for any charges.

Erica · Posted: Sat Feb 18, 2006 12:32 pm Subject:

My boyfriend signed up for Credit Plus Rewards and since we were hurting for money he decided to go for it. They withdrawaled 130$ from our account 2 weeks ago, sent him the credit, but still has not recieved $500 in our bank account. Whenever he tries to call them they charge him .80 cent per call and then hangs up on him. Any advice to anyone looking into this scam don't do it...I have a deep feeling we won't see that $500 nor get our $130 deposited back into our account.

Posted: Sat Feb 18, 2006 1:36 pm Subject:

Erica, try to involve your bank in this process. Some banks offer help in such situation by disputing the items with the company. If the company does not verify the debit with a legal explanation, money must be sent back to your account or you will have to take the legal direction. I am sorry to hear about your situation.

Sherryl · Posted: Thu Feb 23, 2006 3:25 pm Subject: Creditplusrewards

I received a call today at work offering me a credit plus reward card for $7,500. I figure something was wrong when the guy hung up after confirming my account information. I tried to call back to let them know I am not interest and have not had in success with the phone numbers. I am going to call my bank first thing to make sure they block this company from taking any money. I am also going to close my account and open a new one. Any thing that sound to good to be true always is. They got my information because I applied for a payday advance loan. There should be something done to this company.

Posted: Thu Feb 23, 2006 3:38 pm Subject:

You need to make one move and all the credit offers from different companies will stop coming to your place. Contact the credit bureau and enable the opt out feature in your file. Once it is activated, the credit companies will stop placing offers to you.

Equifax, Inc.
Options
PO Box 740123
Atlanta, GA 30374-0123

Experian
Consumer Opt-Out
701 Experian Parkway
Allen, TX 75013

TransUnion
Name Removal Option
P.O. Box 505
Woodlyn, PA 19094

You can also send your letter to the Direct Marketing Association. Your name will be removed from the system after your request is received.

Direct Marketing Association
Mail Preference Service
PO Box 643
Carmel, NY 10512

Or register online at:

http://www.dmaconsumers.org/offmailinglist.html

If you take these steps, you won't get the tempting credit offers that might increase your debt problems in the later stage.

crysmity9133@hotmail.com · Posted: Fri Feb 24, 2006 7:33 am Subject: RareRewards and Credit PlusRewards

I have tried contacting this company on several occasions, They have stolen my vital information and I am going to file a law suit if I don't here from them soon. Anyone else having the same problem, please e-mail and let me know what your situation is.

highrollinchick · Posted: Fri Feb 24, 2006 3:41 pm Subject: RIP OFFS

i gave the 129 for the 7500 card and 500 cash advance-did anyone ever send me anything? nope. and i cant get ahold of anyone about it..any suggestions on what to do for my $ back? i'm a struggling single mom of four!! contact ma at.. if ya have any help!!!!!

email address removed as per forum rules - Denny

Posted: Fri Feb 24, 2006 4:07 pm Subject:

Such scams do not give any warning signs. They just come and take away the money. Do your research on them properly with the help of the local attorney general office. They must be licensed to do business in your state.

You must inform your consumer protection office and send a copy of it to the local law enforcement agency also.

crysmisty9133@hotmail.com · Posted: Mon Feb 27, 2006 8:43 am Subject: Creditplus rewards!

This site has ripped me off for over 129.99. I am trying to get ahold of them I have written and called several times. BEWARE DO NOT DEAL WITH THESE PEOPLE AT ALL!

Posted: Mon Feb 27, 2006 9:26 am Subject:

Crysmisty, Creditplus rewards has ripped off many other. The best way to deal with them will to place your complaints at the local AG's office as well as the FTC and the BBB. These bureaus have already received large number of complaints against them. So, we need to combine together and get this company shut down.

Jessica · Posted: Wed Mar 01, 2006 1:28 pm Subject: I recived a call

I recived the call from these people. When they asked if I was fine with payin the prosessing fee of 129.00 I said NO. Now I am scared they withdraw this money from my account. What should I do? I call my back and they can't put I stop payment becasue I have to give them 72 hour notice.

Posted: Wed Mar 01, 2006 2:03 pm Subject:

Which company called you? Have you had any dealing with them in past or this is the first communication between you.

It seems they have offered you a loan and you disagreed. Did you disclose your account information to them? If yes, I would suggest contacting your bank and see what they recommend. Keep us posted.

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