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Ok now what do I do/respond??

On April 17, 2008, the business provided the following information:
Ms. Hevnly:

Our records indicate that you requested a payment form via email on 02/07/2008. That form was sent to personal information deleted for your security - Jason on 02/07/2008. In addition, 7 days prior to every due date, Geneva Roth Companies sent an updated payment form/reminder to personal information deleted for your security - Jason. To date, we have not received a completed form back from you.

On April 1, 2008 we received recent communication regarding your account. The communication received is recognized as portions of a form letter (cut and Paste template) being widely circulated via the Internet. Unfortunately this form letter is filled with misleading and incorrect information. The use of this form letter leads us to believe that there is not a specific complaint connected with the handling of your account. Please be reminded that the terms and conditions of the agreement you entered into with our company was presented to you at the time of your application and you were given a 48 hour window in which to cancel the agreement. In addition before each debit processed (within the guidelines of the agreement) you were given an account summary stating your options of fulfilling the agreement including instructions for repayment of the entire amount of the advance, in order not to incur additional fees. Since there is no mention of a specific problem with the way your account has been handled we must conclude your account was handled as agreed therefore your account will continue to be handled as agreed. Your persistence in this matter with us or any other agency that does not include an account of how your account was handled out of the guidelines of the signed agreement will merit the same response as the one you are now reading.

A copy of your electronically signed contract can be faxed for your review. If, after your review, you find your account was handled differently than was/and is stated in the agreement please forward those details at once so further review of your account can be completed. It is our earnest endeavor to provide the best possible customer service and customer satisfaction and miss-handled accounts will be researched and addressed immediately.

We appreciate the opportunity to respond to your concern.

Sincerely,

Compliance Department
Geneva Roth Companies
1338 S. Foothill Drive
Suite 325
Salt Lake City, UT 84108

1-800-351-8820

Posted: Mon Apr 21, 2008 9:58 am Subject: reply

if you didn't file AG complaints.do it asap.

Posted: Mon Apr 21, 2008 10:03 am Subject:

I will but what do I respond to this? They didnt even offer me any kind of settlement. And I paid them $780 on a $200 loan.

Posted: Mon Apr 21, 2008 10:04 am Subject: reply

let them know that,plus you will be filing a AG complaint.

Posted: Mon Apr 21, 2008 10:10 am Subject:

Im filling with my AG now it asks if I signed a contract do I say yes and comment via email or do I say no since I didnt physically sign??

Posted: Mon Apr 21, 2008 10:14 am Subject: reply

this is new to me,i will pm somebody.i never heard that with my AG.

Posted: Mon Apr 21, 2008 10:18 am Subject:

Posted: Mon Apr 21, 2008 10:19 am Subject:

hevnly what state are you in? does it give you a section to where you can add additional comments and/or a separate attachement? I am just wondering if you could just explain exactly what had occurred with them.

Posted: Mon Apr 21, 2008 10:20 am Subject:

I copied and pasted everything in the AG complaint. Im in MI

Posted: Mon Apr 21, 2008 10:26 am Subject:

This is my response back to them via BBB.... Let me know if I should send it?

I do not accept this response because there is no offer or settlement. I am standing firm on my desired settlement. I have filed a complaint with my attorney general regarding this as well. I will not accept anything other than my account marked paid in full and a refund in the amount of $520. Thank You.

Posted: Mon Apr 21, 2008 3:41 pm Subject:

Ok I sent it, hopefully it was smart. I just cant believe these people thinking that sending me a mini version of the "contract" was a settlement. But I have noticed that they havent been calling me.

Posted: Tue May 20, 2008 8:57 am Subject:

Ok after alot of arguing back and forth between me and Geneva Roth I finally got it settled. Unfortunately i will not be getting a refund and had to pay $20 as opposed to the $375 they originally wanted. I paid the $20 today by prepaid gift card visa LOL. The rude lady I spoke to was like well if you have a regular debit card or checking account we will waive the $4 fee and I was like HELL NO you are getting this number and only this number Im not stupid.

Posted: Tue May 20, 2008 9:05 am Subject:

hevnly_chick:

Posted: Tue May 20, 2008 9:10 am Subject:

Yea Im happy at least they wont be calling my work anymore. And apparently they will send me a PIF letter via e-mail as soon as the payment clears but we'll see. I did print out the proof of payment and the BBB response as to how much I had to pay so I think Im covered.

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1st response from Geneva Roth via the BBB...

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