This company is a rip off and if you have had the misfortune of having your account transferred to them without ANY notification, CONTACT THE FEDERAL TRADE COMMISSION. These guys will continue to get away with this until enough people report them. If you haven't already, contact the BBB as well. These people have my $$ as well and they kept saying to fax in the statement copies to 'prove' payments weren't made. It's all lies. I read a few google searches on the LORAB and everyone posting messages... it's disgustingly similar to what I've gone thru, I've spoke to all the same people and literally had all the same conversations.
I just received an email from a Tiffany Femenia, Legal Assistant on 11/9/06 stating the following:
We are making this courtesy email today to inform you that your account as been transferred as of November 1st to Consumer Alliance. New contracts are on their way to your home. If you would like to continue your debt management program, please fill out the information they have mailed and return them directly to Consumer Alliance. All of their contact information is supplied for you in their mailing. They will be able to complete your debt management plan without further interruption. Please be patient as we will continue to work to resolve past credicure issues. Thank you and have a pleasant day.
GUESS WHAT??? I still haven't received ANYTHING in the mail and today is 11/20/06. If you look up the Consumer Alliance company online, you will find that the company is being sued in MN for fraud by the Federal Trade Commission. WONDERFUL. They are transferring my account to known theives!!
LORAB refused to give me a refund of my money. In September, they said I had to wait until October 1st for a refund because the company they 'sold' my account needed to do an internal audit of monies. I waited until 10/27/06 and sent them another fax asking for the information for the new company. LIES LIES LIES! ALL LIES!! Contact the Federal Trade Commission and don't just file a complaint online, call and tell someone your story! The operators are extreamly helpful and informative!!!