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Horizon Gold Credit Card / misrepresentation!

1 United States Review updated:

They totally misrepresented themselves. I can't find a thing that I would ever order on their site. They are charging me every month even I don't go to their site anymore. I can't get them to cancel or refund my money.

Beware!

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Comments

  • Mi
      1st of Jul, 2007
    0 Votes

    Ok now everyone seems to be going crazy with the word SCAM this card is not a scam if you would read the terms and conditions on the second page in the disclaimers in all capital letters it states:

    "2. Disclaimers. HORIZON CARD SERVICES™ IS NOT A CREDIT SERVICES ORGANIZATION, BANKING INSTITUTION OR INSURANCE COMPANY, NOR IS IT AFFILIATED WITH ANY CREDIT SERVICES ORGANIZATION, BANKING OR INSURANCE INSTITUTION. THIS PRODUCT IS NOT A VISA, MASTER CARD, OR DEBIT CARD. THE HORIZON OUTLET CARD™ ACCOUNT IS A LINE OF CREDIT THAT CAN BE USED BY AN ACCOUNT HOLDER TO SHOP EXCLUSIVELY AT OUR ONLINE SHOPPING WEBSITE. THERE ARE NO DOWN PAYMENT REQUIREMENTS FOR PURCHASES AT OUR WEBSITE. HORIZON CARD SERVICES™ DOES NOT FACILITATE, NOR PROVIDE ASSISTANCE IN OBTAINING CREDIT FROM ANY OTHER CREDIT-ISSUING ENTITIES. HORIZON CARD SERVICES™ DOES NOT CHARGE AN ADVANCED FEE TO ESTABLISH CREDIT, NOR DOES HORIZON CARD SERVICES™ ATTEMPT, OR CLAIM TO ATTEMPT, TO ESTABLISH, RE-ESTABLISH OR REPAIR ANY CUSTOMER CREDIT HISTORY. THERE ARE NO ENROLLMENT FEES ASSOCIATED WITH THE ACCOUNT."

    No i know for a fact that this is printed in "2" font sizes bigger then the rest of the terms and for everyone calling this a scam. How could you not read before you sign up for something if you would like to blame a company for your mistake then fine fight it and lose just like everyone else has.

    Thank you for your time.

  • Co
      23rd of Jul, 2007
    0 Votes

    I agree with the scam guy... the fine print is just that often hard to understand and unsuspecting... The government should clamp down on words like "free" and "credit"... they misrepresented themselves because they wanted to lead us to believe it was. That's why those words about not being a visa or mc don't blare out at you at first! SIMPLE AS THAT! It is an online store purchase only card, which you cannot see the products till after you register??? I AGREE WITH SCAM!

  • Fi
      10th of Aug, 2007
    0 Votes

    This is a total scam. They make sure they have your account number before you can even access what it is. I am going to get my money back!

  • Mi
      11th of Aug, 2007
    0 Votes

    I agree this is a scam. It was advertised as a Visa Card with a $500 credit limit, that accepts everyone, even people with bad credit. But then it wanted a debit card number to a different account. This is NOT normal. Then after you have been accepted, they let you know that this is NOT a credit card, and that the debit card you gave them, will be paying for the items that you are going to purchase in an online catalog! Now I have to figure out how to CANCEL the card. They give no phone number or email to do this! I'm going to have to call the other card's account to to report an online fraud, and make sure that these people don't bill me some sort of fee. They can actually get rich just on the cancellation fees! How dare they take advantage of poor souls who already have problems! They should be ashamed of themselves, but then, anyone who would DO this in the first place, have no conscience, and would feel no shame! You people will be going to hell for what you are doing to people.

  • La
      19th of Aug, 2007
    0 Votes

    I agree with the scam guy... was under the impression it was a Visa Card also. any way to cancel this. Any help would be appreciated... thank you!

  • Ga
      22nd of Aug, 2007
    0 Votes

    I did this today about 1 hour ago. I tried to call my real credit card company and they said I would have to get this company Horizon Card Services. The phone for them is disconnected. This is who owns them and the Compas card visa:

    Hallmark Bank & Trust Ltd.
    PO Box 104,
    Tropicana Plaza, Leeward Highway
    Providenciales
    Turks & Caicos...

    Email: info@hallmarktrust.tc
    Telephone: 1 649 946-5524
    Facsimile: 1 649 946-5316

    Hallmark Bank & Trust Ltd.
    PO Box 325 Station 'A'
    Etobicoke Ontario
    Canada M9C 4V3

    Compass Prepaid MasterCard

    P.O. Box 104
    Tropicana Plaza
    Providenciales
    Turks & Caicos Island OR P.O. Box 325, STN 'A'
    Etobicoke, ON
    M9C 4V3
    Canada

    Telephone: 649 941-5191
    Facsimile: 649 941-5801
    Email: compass@lochaven.tc

    Unauthorised internet banks

    http://www.fsa.gov.uk/pages/Doing/Regulated/Law/Alerts/internet.shtml

    Hallmark Bank NA
    Hallmark Finance & Savings Bank (at hfshuk.50megs.com)
    Hallmark Trust Finance
    Hallmark Trust Finance Bank

  • Md
      23rd of Aug, 2007
    0 Votes

    https://www.blogger.com/comment.g?blogID=6667610717823381629&postID=5549985064458382471

    horizon gold card complaints"

    http://www.hallmarktrust.com/faq.php

    Hallmark Bank & Trust Ltd.
    PO Box 104,
    Tropicana Plaza, Leeward Highway
    Providenciales
    Turks & Caicos...

    Email: info@hallmarktrust.tc
    Telephone: 1 649 946-5524
    Facsimile: 1 649 946-5316

    Hallmark Bank & Trust Ltd.
    PO Box 325 Station 'A'
    Etobicoke Ontario
    Canada M9C 4V3

    Compass Prepaid MasterCard

    P.O. Box 104
    Tropicana Plaza
    Providenciales
    Turks & Caicos Island OR P.O. Box 325, STN 'A'
    Etobicoke, ON
    M9C 4V3
    Canada

    Telephone: 649 941-5191
    Facsimile: 649 941-5801
    Email: compass@lochaven.tc

    Hallmark offers Standard and Gold Horizon MasterCard® credit cards at www.horizoncard.tc

    Our prepaid Compass® MasterCard® card program is an ideal card for international payroll, commission, benefits and bonus delivery. Cost effective and convenient, our international payment platform offers same day credit to cardholder's account, instant cardholder access to funds loaded onto his card and Internet access to account activity and balances.

    Contact Mr. Brian Trowbridge for information: btrowbridge@hallmarktrust.tc or (649) 946-5524.
    http://www.swannlaw.tc/
    Brian F. J. Trowbridge — Partner
    btrowbridge@hallmarktrust.tc
    Brian F. J. Trowbridge, B.A., LLB, T.E.P. a graduate of the University of British Columbia Law School, a member of the Turks and Caicos Bar Association and a member of the Society of Trust and Estate Practitioners. Mr. Trowbridge is a Director, CEO and Chairman of Hallmark Trust Limited. He is also a piece of ### attorney practicing in the Turks and Caicos Islands and a Barrister and Solicitor practicing in British Columbia.De frauding people Mr. Trowbridge has written extensively on a variety of issues affecting the international finance industry on how to ### you over and has over 30 years experience in practicing jerk off law in this banana republic

    ### YOU BRIAN TROWBRIDGE you piece of ###ing dog ###

    http://www.swannlaw.tc/contact.html

    www.swannlaw.tc
    pmck@swannlaw.tc
    Telephone: (649) 941 7250
    Facsimile: (649) 941-7450
    Cell Phone: (649)244-3967

    Wendal Swann — Partner
    ws@swannlaw.tc

    Brian F. J. Trowbridge — Partner
    btrowbridge@hallmarktrust.tc

    http://edgar.brand.edgar-online.com/PeopleFilingResults.aspx?PersonID=3084214

    Person
    BRIAN F.J. TROWBRIDGE

    Records 1 - 2 of 2.
    Company Name Form Type Received Date View
    COLUMBUS NETWORKS CORP 10SB12G/A 4/7/2000
    COLUMBUS NETWORKS CORP 10SB12G/A 5/23/2000

    Columbus Networks CorporationColumbus Networks
    www.columbusnetworks.com/
    (www.pinksheets: CSNW) offers web-based applications to facilitate recruitment in the education sector using technology and the Internet ...
    www.columbusnetworks.com/ - 12k - Cached - Similar pages


    SEC Info
    Home Search My Interests Help Sign In Please Sign In


    Columbus Networks Corp · 10SB12G/A · On 5/22/00
    Filed On 5/22/00 5:33pm ET · SEC File 0-27953 · Accession Number 949353-0-73
    in this filing.an "object" Search. Show docs searched and the 1st "hit".every "hit".
    Help... Wildcards: ? (any letter), * (many). Logic: for Docs: & (and), | (or); for Text: | (anywhere), "(&)" (near).

    As Of Filer Filing As/For/On Docs:Pgs Issuer Agent

    5/23/00 Columbus Networks Corp 10SB12G/A 5/22/00 1:40 Dill Dill Carr St..Pc/FA


    --------------------------------------------------------------------------------

    Amendment to Registration of Securities of a Small-Business Issuer · Form 10-SB
    Filing Table of Contents
    Document/Exhibit Description Pages Size

    1: 10SB12G/A Form 10-Sb/A Amendment No. 3 40 138K

    --------------------------------------------------------------------------------
    Document Table of Contents
    Page (sequential) | (alphabetic) Top


    Alternative Formats (RTF, XML, et al.)
    Certain Relationships and Related Transactions
    Changes in and Disagreements With Accountants on Accounting and Financial Disclosure
    Description of Business
    Description of Property
    Description of Securities
    Directors, Executive Officers, Promoters and Control Persons
    Executive Compensation
    Indemnification of Directors and Officers
    Legal Proceedings
    Management's Discussion and Analysis or Plan of Operation
    Market Price of and Dividends on the Registrant's Common Equity and Other Shareholder Matters
    Preferred Stock
    Recent Sales of Unregistered Securities
    Security Ownership of Certain Beneficial Owners and Management

    1 1st Page
    2 Item 1. Description of Business
    5 Item 2. Management's Discussion and Analysis or Plan of Operation
    8 Item 3. Description of Property
    12 Item 4. Security Ownership of Certain Beneficial Owners and Management
    13 Item 5. Directors, Executive Officers, Promoters and Control Persons
    14 Item 6. Executive Compensation
    16 Item 7. Certain Relationships and Related Transactions
    " Item 8. Description of Securities
    17 Preferred Stock
    " Item 1. Market Price of and Dividends on the Registrant's Common Equity and Other Shareholder Matters
    18 Item 2. Legal Proceedings
    " Item 3. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure
    " Item 4. Recent Sales of Unregistered Securities
    19 Item 5. Indemnification of Directors and Officers

    10SB12G/A 1st Page of 40 TOC Top Previous Next Bottom Just 1st

    UNITED STATES
    SECURITIES AND EXCHANGE COMMISSION
    WASHINGTON, D.C. 20549

    FORM 10-SB/A
    AMENDMENT NO. 3

    GENERAL FORM FOR REGISTRATION OF SECURITIES
    OF SMALL BUSINESS ISSUERS
    UNDER SECTION 12(B) OR (G) OF THE SECURITIES EXCHANGE ACT OF 1934

    GOLDEN RIVER RESOURCES INC.
    (Name of Small Business Issuer in its Charter)

    NEVADA 98-0187538
    (State or other jurisdiction (I.R.S. Employer
    of incorporation or organization) Identification No.)

    2420 PANDOSY STREET, KELOWNA, BRITISH COLUMBIA,
    CANADA, V1Y 1T8 (Address of principal
    executive offices)

    Issuer's Telephone Number: (250) 717-1049

    Securities to be registered under Section 12(b) of the Act:
    NONE

    Securities to be registered under Section 12(g) of the Act:
    COMMON STOCK, $.001 PAR VALUE
    (Title of class)

    10SB12G/A 2nd Page of 40 TOC 1st Previous Next Bottom Just 2nd

    PART 1

    ITEM 1. DESCRIPTION OF BUSINESS

    CORPORATE HISTORY

    As used herein, the term "Company" refers to Golden River Resources Inc., a
    corporation incorporated under the laws of Nevada. The Company is engaged in the
    exploration of its precious mineral resource property. The Company indirectly,
    through subsidiaries, owns an interest in a mineral property located in Durango
    State, Mexico. This interest is comprised of an option to acquire an interest in
    a mineral property in consideration of cash payments, share issuances and
    exploration expenditures.

    The Company was incorporated under the laws of the State of Nevada on June 17,
    1997. The Company has one subsidiary: Rob Roy Resources Inc. ("Rob Roy"), all of
    the shares of which are owned directly by the Company. Rob Roy owns all of the
    shares of La Mexicana Resources S.A. de C.V. ("La Mexicana"). The Company,
    through its subsidiaries, is engaged in the acquisition and exploration of a
    precious mineral property.

    In May 1998, the Company completed a private placement of 3,568,000 shares of
    its Common Stock, resulting in gross proceeds of $35,680. In June 1998, the
    Company sold 200,000 shares of Common Stock for gross proceeds of $10,000. In
    December 1998, the Company sold 1,800,000 shares of Common Stock for gross
    proceeds of $90,000.

    On March 10, 1999, the Company completed the purchase of all of the issued and
    outstanding shares of Rob Roy, a non-reporting company incorporated in British
    Columbia, Canada, on June 13, 1997. The Company issued, on a one-for-one basis,
    6,454,872 shares of its Common Stock (the "Takeover Shares") in exchange for
    6,454,872 common shares without par value of Rob Roy. Certificates for 15% of
    the Takeover Shares issued to Rob Roy's shareholders were subject to a
    restrictive legend which expired on May 11, 1999; certificates for an additional
    15% of the Takeover Shares were subject to a restrictive legend which expired on
    September 11, 1999; and the certificates for the balance of 70% of the Takeover
    Shares are subject to a restrictive legend expiring on January 11, 2000.

    After the completion of the purchase, Rob Roy became a subsidiary of the
    Company. Rob Roy owns 100% of the shares of La Mexicana, a company incorporated
    pursuant to the laws of Mexico on February 12, 1998. La Mexicana is a company
    engaged in the acquisition and exploration of a natural resource property
    located in the area of Durango, Mexico. Rob Roy does not have an interest in any
    other companies.

    The Company engaged in two other private placements of Common Stock: 2,000,000
    shares for gross proceeds of $700,000 in April 1999 and 750,000 shares in
    September 1999 to satisfy an obligation to pay for services.

    On October 13, 1999, the Company entered into an agreement with Peter Holstein,
    on behalf of himself and all other shareholders of Transmeridian Exploration
    Inc., a British Virgin Islands company engaged in oil and gas exploration
    ("Transmeridian"), to purchase all of the issued and outstanding shares of
    Transmeridian by issuing shares of Common Stock of the Company. The number of
    shares issued is to be determined by the net asset value of the oil and gas
    properties owned by Transmeridian at the closing date divided by $5.00 for
    proven reserves and $10.00 for probable reserves. An independent and certified
    oil and gas valuator is to be engaged to value the Transmeridian assets.
    Consummation of the acquisition of Transmeridian is subject to several
    conditions, including satisfactory due diligence of Transmeridian, its net asset
    value, and its principals; execution of a formal purchase agreement; approval of
    the transaction by the shareholders

    10SB12G/A 3rd Page of 40 TOC 1st Previous Next Bottom Just 3rd

    of the Company; the furnishing of financial statements by Transmeridian which
    will meet the requirements of the Securities and Exchange Commission; and the
    execution of a satisfactory employment agreement with Peter Holstein. If the
    acquisition is completed, the Company will use its reasonable best efforts to
    change its name to "Transmeridian Exploration Inc.", and to arrange for a
    private placement in the minimum amount of $2,000,000 to cover immediate working
    capital and project costs. Also upon closing, Peter Holstein will have the right
    to designate four persons for appointment to the board of directors of the
    Company. Since the Company has just started its due diligence work on
    Transmeridian, management does not know whether the acquisition will be
    consummated or when closing would occur. If the acquisition were to occur, the
    Company would be entering into a different line of business, oil and gas
    exploration, which entails risks different from those encountered in the mining
    industry. Further, if the acquisition were to occur, the Company would also face
    the risk of doing business in Russia, Kazakhstan, and Turkmenistan. As of March
    29, 2000, no progress has been made by the Company towards the proposed
    acquisition of Transmeridian.

    On October 25, 1999, the Company entered into a nonbinding letter of intent with
    OREX Gold Mines Corporation to use its method for processing gold ores.
    Management anticipates that the process may be useful in connection with the
    Mexicana I property if the Company's exploration work on the property yields
    promising results. The OREX method is apparently one that is non-toxic, as
    opposed to the conventional cyanide leaching method. The Company is still
    investigating this method. The parties have not yet negotiated any terms of a
    working relationship.

    MINING OPERATIONS AND RISKS

    The mining property is an exploration property and does not have any proven
    mineral reserves. Should mineral reserves be discovered on the property, it is
    anticipated that the minerals would be predominately gold and silver. See Part I
    - Item 3. Description of Property below. Development of the mining property will
    only follow upon obtaining satisfactory results from an exploration program.

    Exploration for and the development of natural resources involve a high degree
    of risk and few properties which are explored are ultimately developed into
    producing properties. There is no assurance that the Company's exploration
    activities will result in any discoveries of commercial bodies of ore. The long
    term profitability of the Company's operations will be in part directly related
    to the cost and success, if any, of its exploration programs, which may be
    affected by a number of factors. Additional substantial risks exist should the
    Company undertake any type of development work.

    Exploration for natural resources involves many risks, which even a combination
    of experience, knowledge, and careful evaluation may not be able to overcome.
    Operations in which the Company has a direct or indirect interest will be
    subject to all the hazards and risks normally incident to exploration for
    resources, any of which could result in work stoppages, damage to persons or
    property, and possible environmental damage. Although the Company has or will
    obtain liability insurance in an amount which it considers adequate, the nature
    of these risks is such that liabilities might exceed policy limits, the
    liabilities and hazards might not be insurable risks, or the Company might not
    elect to insure itself against such liabilities due to the high premium costs or
    other reasons, in which event the Company could incur significant costs that
    could have a material adverse effect upon its financial condition.

    All phases of the Company's operations are subject to environmental regulation.
    Generally, environmental legislation is evolving in a manner which will require
    stricter standards and enforcement, increased fines and penalties for
    non-compliance, more stringent environmental assessments of proposed projects,
    and a heightened degree of responsibility for companies and their officers,
    directors, and employees. There is no assurance that future changes in
    environmental

    3

    10SB12G/A 4th Page of 40 TOC 1st Previous Next Bottom Just 4th

    regulation, if any, will not adversely affect the Company's operations.
    Environmental permits are not required for the proposed Phase 1 and 2
    exploration programs on the La Mexicana property. Before drilling and any major
    surface disturbance, it will be necessary to file a report on the flora of the
    area. For mine development, it would be necessary to obtain state and municipal
    approval with similar, but less stringent requirements than in the United States
    or Canada. Given the early stage of exploration, it is premature to discuss the
    specifics of the environmental permitting process, since the size, type, and
    existence of an ore body has not been defined, and there is no assurance that an
    ore body will be located on the property.

    Although the Company has or intends to obtain title opinions for any concessions
    in which it has or will acquire a material interest, there is no guarantee that
    title to such concessions will not be challenged or impugned. In some countries,
    the system for recording title to the rights to explore, develop, and mine
    natural resources is such that a title opinion provides only minimal comfort
    that the holder has title. Also, in many countries claims have been made and new
    claims are being made by aboriginal peoples that call into question the rights
    granted by the governments of these countries.

    The Company's revenues, if any, are expected to be in large part derived from
    the extraction and sale of base and precious metals such as gold and silver. The
    price of those commodities has fluctuated widely, particularly in recent years,
    and is affected by numerous factors beyond the Company's control including
    international, economic, and political trends, expectations of inflation,
    currency exchange fluctuations, interest rates, global or regional consumptive
    patterns, speculative activities, and increased production due to new extraction
    developments and improved extraction and production methods. The effect of these
    factors on the price of base and precious metals, and therefore the economic
    viability of the Company's exploration project, cannot accurately be predicted.

    There are many individuals and companies that are engaged in the mining
    business. Some of which are very large, established mining companies with
    substantial capabilities and long earning records. The Company may be at a
    competitive disadvantage in acquiring mining properties or in purchasing,
    leasing, or obtaining mining equipment since it must compete with these
    individuals and companies, most of which have greater financial resources and
    larger technical staffs than the Company. There can be no assurance that the
    Company will be successful in prospecting for or acquiring additional mining
    claims or leases, or in arranging for their exploration.

    Water is essential in all phases of the exploration and development of mineral
    properties and the milling of any ore obtained as a result. It is used in such
    processes as exploration drilling, leaching, placer mining, dredging, testing,
    and hydraulic mining. Furthermore, any water that may be found will be subject
    to acquisition pursuant to state, federal and foreign water law, and its use
    will be subject to regulation pursuant to local, state, federal and foreign
    water quality standards. Management does not expect any significant difficulties
    with respect to this matter. Water sufficient for mining purposes is available
    on the La Mexicana concession.

    MINERAL INDUSTRY OF MEXICO

    The Mexican government commenced privatization efforts in the late part of the
    1980's. The Mining Law of 1992 generally encourages domestic investment and
    foreign participation in the mining industry. The Mining Law permits direct
    investment, with up to 100% of equity, in exploration works and activities and
    allows, through a 30-year trust mechanism, up to 100% foreign participation in
    mineral production.

    In addition, in 1989 Mexico reduced the corporate income tax to 35% and in 1991
    eliminated the mineral production tax.

    4

    10SB12G/A 5th Page of 40 TOC 1st Previous Next Bottom Just 5th

    Government approval is not required for the proposed Phase 1 work program on the
    La Mexicana project. An environmental assessment report must be filed for the
    specific areas disturbed in Phase 2. This will be done when these areas are
    outlined. The filing of the environmental assessment report is a minor expense
    in the overall budget. Besides an operating license, it will be necessary to
    obtain permits for water well usage, water discharge, land use, explosives, and
    hazardous materials handling. The Company is not aware of any major
    environmental or regulatory issues that might impede its exploration efforts on
    the La Mexicana property. See Part I - Item 3. Description of Property below.

    EMPLOYEES

    As of the date of this registration statement, the Company employs two people
    full-time at its Kelowna office and technical staff to carry out its projects in
    Mexico on an as-needed basis, including the President of the Company, David St.
    Clair Dunn, P. Geo.

    ITEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATION

    Effective March 10, 1999, the Company completed the acquisition of 100% of the
    outstanding common shares of Rob Roy. As the Rob Roy shareholders obtained
    effective control of the Company through the exchange of their shares of Rob Roy
    for shares of the Company, the acquisition has been accounted for in these
    consolidated financial statements as a reverse acquisition. Consequently, the
    consolidated statements of loss and deficit and changes in cash flows reflect
    the results from operations and changes in financial position of Rob Roy, the
    legal subsidiary, since inception combined with those of the Company, the legal
    parent, from the date of acquisition on March 10, 1999, in accordance with
    generally accepted accounting principles for reverse acquisitions. In addition,
    the comparative figures are those of Rob Roy, the legal subsidiary.

    The Company's fiscal year end is June 30. The following is a summary of certain
    selected financial information for the nine months ended March 31, 2000, the
    fiscal year ended June 30, 1999, and the period from its date of incorporation
    to June 30, 1998. Reference should be made to the financial statements attached
    to this registration statement to put the following summary in context. All
    dollar figures referred to in this section relating to the Company are listed in
    US dollars unless otherwise noted.

    [Enlarge/Download Table]

    -------------------------------------------------------------------------------------------------------------------

    INCEPTION (JUNE 13, 1997)
    NINE MONTHS ENDED YEAR ENDED JUNE 30, 1997) TO JUNE 30,
    MARCH 31, 2000 1999 1998 (UNAUDITED)
    -------------------------------------------------------------------------------------------------------------------

    Revenues -- -- --
    -------------------------------------------------------------------------------------------------------------------
    (Loss) from
    continuing operations $ (498,087) $ (1,202,151) $ (509,208)
    -------------------------------------------------------------------------------------------------------------------
    (Loss) per common
    share $ (0.03) $ (0.15) $ (0.26)
    -------------------------------------------------------------------------------------------------------------------

    -------------------------------------------------------------------------------------------------------------------
    MARCH 31, 2000 JUNE 30, 1999 JUNE 30, 1998
    -------------------------------------------------------------------------------------------------------------------
    Working capital
    (deficiency) $ (367,322) $ (170,390) $ (28,983)
    -------------------------------------------------------------------------------------------------------------------
    Total assets $ 28,072 $ 72,797 $ 12,798
    -------------------------------------------------------------------------------------------------------------------
    Long-term obligations $ -- -- --
    -------------------------------------------------------------------------------------------------------------------


    5

    10SB12G/A 6th Page of 40 TOC 1st Previous Next Bottom Just 6th

    RESULTS OF OPERATIONS

    The Company's level of activity was substantially higher during the fiscal year
    ended June 30, 1999, as compared to the previous period. Expenses were
    $1,202,151 for 1999 as compared to $509,208 for 1998. The most significant
    increases were in the areas of exploration of mineral properties ($245,210) due
    to the drill program undertaken on the La Lajita property, professional fees
    ($152,065) primarily due to the legal and accounting expenses incurred with the
    acquisition of Rob Roy, and travel and promotion ($136,384) due to travel to
    Mexico and financial public relations work. Additionally, the Company wrote-off
    $576,050 in 1999 upon its decision to abandon the La Lajita property. After
    completing the exploration program on the La Lajita property, the Company
    decided to terminate its option. The Company made option payments of $534,214,
    issued 350,000 shares valued at $17,500, and incurred exploration expenditures
    in excess of $300,000 prior to terminating its option in September 1999.

    From June to July, 1999, a 943.9-meter diamond drilling program was carried out
    on the La Lajita property in the area recommended by the Company's consulting
    geologists as having the highest possibility of containing an open pittable
    precious metals resource. The results obtained by the Company in September 1999
    revealed that the drilling did not outline sufficient mineralization (material
    containing minerals of value) at high enough grades to continue exploration of
    the property. While underground mining targets with good potential remain on the
    property, they do not fit the Company's corporate objectives.

    During the nine months ended March 31, 2000, the Company incurred a loss of
    $498,087 due to expenditures for consulting fees ($212,985), exploration of
    mineral properties ($42,390), professional fees ($89,917), travel and promotion
    ($49,843), and general and administrative ($31,622). In addition, the Company
    incurred $30,000 in option payments to acquire mineral properties. This compares
    to a loss of $627,070 for the nine months ended March 31, 1999, with the most
    significant expenditure being $346,735 in option payments to acquire mineral
    properties.

    Due to the lack of any revenues, and the cumulative losses of $1,711,359
    incurred through June 30, 1999, and $2,209,446 through March 31, 2000, there is
    a substantial doubt about the Company's ability to continue as a going concern,
    as noted in the report of the independent auditors on the Company's financial
    statements. The Company requires additional financing to continue operations and
    to undertake the exploration programs described below. If it is unable to obtain
    such financing, it may be unable to continue operations or engage in the
    exploration programs.

    FINANCIAL CONDITION

    Since inception, the Company's capital resources have been limited. The Company
    has had to rely upon the sale of equity securities for cash required to fund the
    administration of the Company. From its inception through March 31, 2000, the
    Company has raised $730,823, net of share issuance costs from the sale of its
    Common Stock. In addition, 850,000 shares have been issued for mineral property
    options and 200,000 shares have been issued for services. Since the Company does
    not expect to generate any revenues in the near future, it will have to continue
    to rely upon sales of equity and debt securities to raise capital. It follows
    that there can be no assurance that financing, whether debt or equity, will
    always be available to the Company in the amount required at any particular time
    or for any particular period or, if available, that it can be obtained on terms
    satisfactory to the Company.

    At June 30, 1999, the Company had a working capital deficiency of $170,390, as
    compared to $28,983 at June 30, 1998. The increase in the working capital
    deficiency can be attributed to the cash outlays for payments on mineral
    properties and mineral property exploration made during the fiscal year ended
    June 30, 1999. The cash outlays were as follows:

    6

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    [Enlarge/Download Table]

    -------------------------------------------------------------------------------------------------------------------
    Option Payments on
    Mineral Properties
    Including Value Exploration
    Property Added Taxes Expenditures Total
    -------------------------------------------------------------------------------------------------------------------

    La Lajita $372,294 $245,210 $617,504
    -------------------------------------------------------------------------------------------------------------------
    La Mexicana $204,294 -- $204,294
    -------------------------------------------------------------------------------------------------------------------
    $576,588 $245,210 $821,798
    -------------------------------------------------------------------------------------------------------------------

    Other than as described under "Properties of La Mexicana", the Company does not
    have any interest in any properties.

    At March 31, 2000, the Company had a working capital deficiency of $367,322. The
    increase was due primarily to the loss incurred during the nine months then
    ended.

    PLAN OF OPERATION

    In addition to option payments of $5,000 due toward the January 1, 2000
    installment , the Company is required to invest a total of $300,000 on or before
    June 12, 2000 and $1,000,000 on or before February 12, 2001 on work commitments.
    The Company must also issue 750,000 shares of Common Stock by March 2002. The
    Company issued the minimum of 250,000 shares by February 12, 2000, leaving
    500,000 shares to be issued by March 2002. The Company plans to conduct a Phase
    1 regional geochemical survey over the La Mexicana property at a cost of
    approximately $19,000. The Phase 1 program will be followed by a Phase 2 program
    at a cost of approximately $77,000. The Company does not presently have the
    funds available for either the Phase 1 or Phase 2 program and will have to raise
    additional funds by way of debt or equity in order to finance same. It does not
    have any arrangements for such funding at present. See Part I - Item 3.
    Description of Property, below, for more detail on the proposed work programs of
    the Company. If the Company were unable to raise the funds necessary to satisfy
    the option payment and work commitment requirements, the Company would seek an
    extension from the optionor of the Mexicana I property. There is no assurance
    that the Company would be able to obtain an extension. If the Company defaulted
    in its obligations, the option agreement would be terminated and the Company
    would lose everything of value paid for the property.

    In addition to the property obligations described in the preceding paragraph,
    the Company has only normal trade obligations. As of March 31, 2000, these trade
    obligations were $188,818, of which approximately $93,000 was outstanding for
    more than 90 days. The officers and directors of the Company and the persons to
    whom debt of $100,233 is owed, have not given the Company a fixed date for
    repayment. The persons to whom the $100,233 is owed are shareholders who own
    less than 5% of the outstanding shares of the Company. The advances do not bear
    interest, have no fixed terms of repayment, and are not pursuant to a written
    agreement.

    As of March 31, 2000, the Company had approximately $14,600 cash on hand.
    Pursuant to an interim financing agreement dated January 24, 2000, the Company
    borrowed $75,000 from an unrelated party. These proceeds have satisfied the
    Company's cash requirements through April 2000. The interim financing bears
    interest at 8%, is due in full by July 24, 2000, and is guaranteed by R. Bruce
    Manery and Roger Watts, officers and directors of the Company. The Company will
    need to obtain additional funds through loans of this sort or the sale of its
    equity securities to maintain its operations. The Company would be able to
    maintain an office, but would not be able to undertake the exploration programs
    on the property, make any option payments, or service any existing debt. The
    Company does not intend to hire any more full-time employees over the next 12
    months. Subject to the availability of funds the Company will hire additional
    employees and consultants on a part-time basis in order to carry out its
    proposed work programs. The Company does not intend to make any purchases of
    plant or equipment over the next 12 months.

    7

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    If the Transmeridian transaction should be completed, the Company would be
    required to arrange for a private placement in the minimum amount of $2,000,000
    to cover immediate working capital and project costs. Since the Company has just
    started its due diligence work on Transmeridian and no progress has been made in
    recent months, management does not believe that the acquisition of Transmeridian
    is probable. Accordingly, the Company has not made any plans with respect to a
    proposed private placement.

    YEAR 2000 READINESS DISCLOSURE

    The Year 2000 issue refers to the inability of computer and other information
    technology systems to properly process date and time information due to the
    programming of a two digit year rather than a four digit year. The risk is that
    a system will recognize the digits "00" as 1900 rather than the year 2000, or
    that the system may not recognize "00" as a year at all. As a result, computers
    and embedded processing systems may be at risk of malfunctioning, particularly
    during the transition from 1999 to 2000.

    The Company has completed its assessment of the impact of Year 2000 issues on
    its business operations. The Year 2000 issue may affect the Company in four
    principal areas including: (1) computer systems such as personal computers,
    operating systems, business software, and application software including
    accounting systems, technical support software and administration software; (2)
    field assets (primarily embedded systems) such as programmable logic controllers
    and equipment control panels; (3) other systems such as telephones, photocopiers
    and facsimile machines; and (4) third-party suppliers and service providers such
    as banks and insurance companies.

    To date, the Company has implemented and tested its computer software and
    hardware for Year 2000 compliance and has concluded that its hardware and
    software is Year 2000 compliant.

    The Company's Year 2000 program is designed to reduce the Company's risk of
    material losses due to the Year 2000 issue. Management does not anticipate any
    material adverse effect from the Year 2000 issue; however, the Company cannot be
    certain that it will not suffer material adverse effects in the event that third
    parties upon which the Company is dependent are unable to resolve their Year
    2000 issues.

    ITEM 3. DESCRIPTION OF PROPERTY

    PROPERTY SUMMARY

    La Mexicana, a wholly owned subsidiary of Rob Roy, acquired options to purchase
    rights to certain mineral properties in Mexico pursuant to certain agreements
    described below. La Mexicana's main focus had been on the La Lajita and Mexicana
    1 properties located near Durango, Mexico. After performing a drill program on
    the La Lajita property, the Company decided that the La Lajita property did not
    warrant any further work and terminated its option on that property in September
    1999.

    TERMS OF OPTION ON MEXICANA 1

    La Mexicana has entered into an agreement in writing (the "Alcaraz Agreement")
    dated February 12, 1998 and amended as of November 12, 1999, with ING.
    Cuitlahuac Rangel Alcaraz ("Alcaraz"), an arm's length party, to acquire the
    right and option to purchase an undivided 70% interest in the Mexicana I
    property located near Durango, Mexico. The option must be exercised by February
    12, 2001. The Alcaraz Agreement requires the following payments, share issuances
    and exploration expenditures:

    8

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    [Enlarge/Download Table]

    ------------------------------------------------------------------------------------------------------------------------------
    REQUIREMENT STATUS
    ------------------------------------------------------------------------------------------------------------------------------

    a) US$25,000 on or before the execution of the Alcaraz Agreement Paid
    ------------------------------------------------------------------------------------------------------------------------------
    b) US$25,000 upon execution of the Alcaraz Agreement Paid
    ------------------------------------------------------------------------------------------------------------------------------
    c) US$50,000 on January 1, 1998 and every six months thereafter January 1, 1998; July 1, 1998;
    until February 12, 2001, or until a positive bankable feasibility January 1, 1999; and July 1, 1999
    study is completed, whichever is the earliest to occur* payments made, and $45,000 of the
    January 1, 2000 payment made
    ------------------------------------------------------------------------------------------------------------------------------
    d) 250,000 shares upon the approval of the Alcaraz Agreement by Issued March 1999
    any regulatory authority having jurisdiction
    ------------------------------------------------------------------------------------------------------------------------------
    e) a further 750,000 shares of the Company within three years of 250,000 shares issued prior to
    the issuance under paragraph (d) above, with a minimum of February 12, 2000; 500,000 shares
    250,000 shares to be issued by February 12, 2000 not due for issuance
    ------------------------------------------------------------------------------------------------------------------------------
    f) a minimum amount of US$1,500,000 shall be invested on work Not due
    commitments, according to the following budget schedule:
    US$300,000 on or before June 12, 2000, and US$1,000,000 on or
    before February 12, 2001
    ------------------------------------------------------------------------------------------------------------------------------

    *While the Agreement states that payments are to be made in August and February
    of each year, in practice, Alcaraz has expected, and the Company has paid,
    installments in January and July of each year.

    La Mexicana shall also be responsible for the payment of value added tax of 15%
    on property payments and for mining taxes required to keep the property in good
    standing.

    Alcaraz is the beneficial and registered concessionaire of 100% of the
    Exploration Mining Concession of the Mexicana 1 lot. During the term of this
    Agreement the Company has the exclusive right to explore the Property, subject
    to the Company obtaining appropriate surface rights and governmental
    authorizations.

    The Alcaraz Agreement provides that after the exercise of the option, Alcaraz
    and the Company shall either become co-concessionaires of the Property or
    incorporate a new company that shall acquire the title to the Property.

    MEXICANA 1 GROUP OF CLAIMS

    LOCATION, ACCESS, PHYSIOGRAPHY AND POPULATION

    Mexicana 1 property is located in the Municipality of Pueblo Nuevo, State of
    Durango, Mexico. The property consists of 20,477 hectares in three adjoining
    rectangular blocks.

    Road access to the property is from El Salto on Highway 40 south, 50 kilometers
    to La Puerta, then southwest 10 kilometers to Cofradia, then 28 kilometers (2.5
    hours) on a dirt track east to Los Naranjos. The western part of the Property
    can be accessed from the state of Sinola to the town of La Escondida, just
    inside the western edge of the property. The rest of the property is covered by
    networks of well-used trails.

    Elevations on the property range from 290 meters on the San Antonio de Animas
    River in the southwestern corner of the property, to 2,520 meters in the
    northeast corner.

    See the map on the following page.

    9

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    [Map of area].

    10

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    HISTORY AND PREVIOUS WORK

    The only previous work seen was the La Mexicana excavations or workings. These
    consist of two adits (horizontal or nearly horizontal passages driven from the
    surface for the working of a mine) driven approximately five meters on narrow
    quartz veins on the west side of the arroyo of the Los Naranjos River. The
    Mexicana I monument is located in front of these workings, about 1.0 kilometers
    down the Los Naranjos River northwest of Los Naranjos. There are artisinal
    workers working the river gravels on a small scale, especially on the junction
    of the Arroyo of the Los Naranjos River and the Arroyo of the San Antonio de
    Animas River.

    PROPERTY GEOLOGY

    The Mexicana 1 property lies within the Sierra Madre Occidental Geological
    province, which is a 1200 kilometer long north-west trending belt of volcanic
    rocks 200 to 300 kilometers wide. Regional, northwest trending faults (breaks in
    rocks with noticeable movement or displacement of the rocks on either side of
    the break) are common throughout the province.

    Gold mineralization in the area is found mainly in epithermal to mesothermal
    quartz veins and stockworks associated with caldera (collapsed volcano)
    complexes. Radiating faults, concentric ring faults, and particularly, their
    junctions in the caldera, are favorable areas for mineralization.

    The Mexicana 1 property covers an approximately 15.0 meter diameter caldera,
    centered three kilometers west-northwest of Los Naranjos, on the San Antonio de
    Animas River. A granitic intrusion (a body of igneous rock formed below the
    surface)was observed in this area.

    Two major structures were observed on the property and can be traced on
    satellite photographs. One structure trends 50 kilometers northwest through Los
    Naranjos. The Los Naranjos River follows part of this structure. The second
    structure trends east-northeast and can be traced for 55 kilometers. The San
    Antonio de Animas River follows this structure for 15 kilometers from two
    kilometers above its junction with Los Naranjos River to the west-southwest. The
    junction of these structures is a very prospective area. It lies on the eastern
    boundary of Mexicana 1 property.

    WORK PROGRAMS

    The Company has not conducted any exploration on the Mexicana 1 property.
    Subject to the availability of funds, the Company plans to conduct a systematic
    regional mineral exploration program, consisting of regional scale stream
    geochemical sampling and rock sampling to test the area in the first quarter of
    2000. The following table outlines the proposed budget for the La Mexicana
    property for the first quarter of 2000:

    [Enlarge/Download Table]

    PROPOSED BUDGET FOR LA MEXICANA (IN US $):
    PHASE 1

    Research: Government mining and geological information and claim status..................$ 1,950
    Regional geochemical and examination of showings
    Geologist: 20 days @ $338.50/day................................ 6,770
    Assistant: 15 days @ $118.50/day................................ 1,778
    Vehicle: 15 days @ $68/day.................................... 1,020
    Travel: 2 @ $677............................................. 1,354
    Room and board: 30 days @ $34/day.................................... 1,020
    Assays: 300 samples @ $10/sample............................. 3,000
    Communication: ..................................................... 339

    11

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    Expendables: ..................................................... 339
    Report preparation ..................................................... 677
    Contingency: ..................................................... 753
    -------------
    Total Phase 1....................................................................................$ 19,000
    -------------

    PHASE 2 (Geological mapping, geochemical surveys, trenching and detailed sampling)
    Geologist: 40 days @ $338.50/day................................$ 13,540
    Assistants: 2 for 30 days @ $135/day............................. 8,100
    Vehicle: 2 for 30 days @ $68/day.............................. 4,080
    Travel: 3 @ $677............................................. 2,031
    Room and board: 90 days @ $47/day.................................... 4,230
    Assays: 2,100 @ $10/sample................................... 21,000
    Communications: ..................................................... 1,693
    Expendables: ..................................................... 2,640
    Local labor: 4 for 15 days @ $27/day.............................. 1,620
    Mules: 4 for 15 days @ $27/day.............................. 1,620
    Backhoe or small cat: 20 days @ $339/day................................... 6,780
    Mob or demob for equipment..................................................... 1,354
    Report preparation: ..................................................... 1,354
    Contingency: ..................................................... 6,958
    -------------
    Total Phase 2....................................................................................$ 77,000
    -------------

    TOTAL PHASES 1 AND 2.............................................................................$ 96,000
    =============

    LA LAJITA

    La Mexicana entered into an agreement (the "Fuerte Mayo Agreement") dated
    February 12, 1998 with Fuerte Mayo S.A. de C.V. ("Fuerte Mayo"), an arm's length
    party, to acquire the right and option to purchase an undivided 60% interest in
    the La Esperanza, Guadalupe and Ampl. de Guadalupe mining Lots and the Santa
    Nino and Dos Hermanos mining lots located near Durango, Mexico.

    An initial program of 943.9 meters of diamond drilling in 13 holes was carried
    out by Britton Hermanos, S.A. de C.V. under the supervision of Company personnel
    from April to June 1999.

    After completing the exploration program on the La Lajita property, the Company
    decided to terminate its option since the drilling did not outline an open
    pittable resource of sufficient size to meet the Company's objectives. The
    Company paid acquisition costs $492,500, issued 350,000 shares and incurred
    exploration expenditures in excess of $300,000 on the La Lajita property prior
    to terminating its option.

    ITEM 4. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

    The following table sets forth, as of March 31, 2000, the outstanding Common
    Stock of the Company owned or of record or beneficially by each person who owned
    of record, or was known by the Company to own beneficially, more than 5% of the
    Company's Common Stock, and the name and shareholdings of each Officer and
    Director and all Officers and Directors as a group.

    12

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    PERCENTAGE OF
    NAME SHARES OWNED COMMON STOCK
    OWNED(1)

    DAVID ST. CLAIR DUNN(2)(3) 100,000 0.58%
    1154 Marine Drive
    Gibsons, British Columbia
    Canada V0N 1V1

    ROBERT BRUCE MANERY(2)(4) 182,658 1.06%
    2420 Pandosy Street
    Kelowna, British Columbia
    Canada V1Y 1T8

    ROGER WATTS(2)(4) 195,200 1.06%
    200-537 Leon Avenue
    Kelowna, British Columbia
    Canada V1Y 2A9

    BRIAN F.J. TROWBRIDGE 800,000 4.70%
    Box 209, Chancery Court
    Leeward Highway
    Turks and Caicos
    West Indies

    ALL OFFICERS & DIRECTORS 477,858 2.75%
    AS A GROUP(6)
    --------------------------------------------------------------------------------

    (1) This table is based on 17,005,072 shares of Common Stock outstanding on
    March 31, 2000. If a person listed on this table has the right to obtain
    additional shares of Common Stock within sixty (60) days from March 31,
    2000, the additional shares are deemed to be outstanding for the purpose of
    computing the percentage of class owned by such person, but are not deemed
    to be outstanding for the purpose of computing the percentage of any other
    person.

    (2) These individuals are the officers and directors of the Company and may be
    deemed to be "parents" of the Company as that term is defined in the rules
    and regulations promulgated under the federal securities laws.

    (3) Includes options to purchase 100,000 shares of Common Stock. See Part I -
    Item 6. Executive Compensation.

    (4) Includes options to purchase 150,000 shares of Common Stock. See Part I -
    Item 6. Executive Compensation.

    (5) These shares are owned of record by Mischcorp Ltd.

    (6) Includes options to purchase 400,000 shares of Common Stock. See Part I -
    Item 6. Executive Compensation.

  • Mg
      26th of Aug, 2007
    0 Votes

    Hallmark Bank & Trust / Horizon Gold /Compass Card Visa
    Posted: 2007-08-26 by Bruce Jones [send email]
    RIP OFF ARTISTS ### YOU BRIAN TROWBRIDGE you piece of ###ing dog ###



    Complaint Rating:
    Horizon Gold your clear choice to getting ripped off
    by Hallmark Bank ...a fake internet bank

    Directory of Fake Banks
    http://www.scamfraudalert.com/f133/directory-fake-banks-1132/
    Hallmark Bank NA
    Hallmark Finance http://www.hallmark-online.com
    Hallmark Trust Finance
    Hallmark Trust Finance Bank

    Hallmark Bank & Trust Ltd.
    PO Box 104,
    Tropicana Plaza, Leeward Highway
    Providenciales
    Turks & Caicos...

    Email: info@hallmarktrust.tc
    Telephone: 1 649 946-5524
    Facsimile: 1 649 946-5316

    Hallmark Bank & Trust Ltd.
    PO Box 325 Station 'A'
    Etobicoke Ontario
    Canada M9C 4V3

    Complaints on "Hallmark Bank & Trust / Horizon Gold /Compa Card"
    Hallmark offers Standard and Gold Horizon MasterCard® credit cards at www.horizoncard.tc

  • Mg
      26th of Aug, 2007
    0 Votes

    Horizon Gold
    They totally misrepresented themselves.
    I was mislead into thinking this was a real credit card. I charged the $79.95 fee
    I lookeds up this piece of ### company it i owned by..........taaaadsaaaaaaaa
    RIP OFF Horizon Gold card

    Hallmark Bank & Trust Ltd.
    PO Box 104,
    Tropicana Plaza, Leeward Highway
    Providenciales
    Turks & Caicos...

    Email: info@hallmarktrust.tc
    Telephone: 1 649 946-5524
    Facsimile: 1 649 946-5316

    Hallmark Bank & Trust Ltd.
    PO Box 325 Station 'A'
    Etobicoke Ontario
    Canada M9C 4V3

    and... they are listed under...taaaa daaaaaa
    fake banks

    Directory of Fake Banks
    http://www.scamfraudalert.com/f133/directory-fake-banks-1132/
    Hallmark Bank NA
    Hallmark Finance http://www.hallmark-online.com
    Hallmark Trust Finance
    Hallmark Trust Finance Bank

    I am calling the Internet Crime Complaint Center run by the FBI

    Hallmark Bank is owned by..........
    Brian F. J. Trowbridge — Piece of ### UK lawyer
    btrowbridge@hallmarktrust.tc

    www.swannlaw.tc
    pmck@swannlaw.tc
    Telephone: (649) 941 7250
    Facsimile: (649) 941-7450
    Cell Phone: (649)244-3967
    http://www.swannlaw.tc/attorneys.html

  • An
      31st of Aug, 2007
    0 Votes

    Customer Service Number is... 1-800-251-6144. They're persistent... but just keep telling them you want to cancel NO MATTER WHAT... you'll win. It's true, you will lose your money because they wont give you a refund for whatever reason, just accept it, cut your losses... BUT JUST GET OUT!!!

  • Ru
      31st of Oct, 2007
    0 Votes

    Hallmark Bank and Trust Ltd and Brian Trowbridge have absolutely nothing to do with the other rip-off Hallmarks and also have nothing to do with the Horizon Gold Card. These postings are slander. Do your research before you post!

  • Ed
      31st of Dec, 2007
    0 Votes
    Horizone Gold & Credit Card - Misrepresentation!
    Horizon Card Services
    Indiana
    United States

    Promise $500 unsecured Credit Card with no credit check. Must pay $89.95 Application Fee and card is guaranteed. When you get card, it is not a "Major Credit Card"! No visa, MC,or anything else on back. No exp.or pin. Just a number that is good at their website for services that I already have: Towing service, some Rx program, and some crap.

    They say it is a card to help you get your credit score up! But that is not the emphasis when they are selling the card to you!

  • Ta
      26th of Feb, 2008
    0 Votes

    I don't even know how i got signed up for this company all I know is I started seeing charges from them and I didn't even have the card!!!!When I called to cancel the card they kept trying to tell me that I'd visited the sight and a bunch of other bull......they finally refunded me my $44.90, but get this, turned around and charged me again!!!! When I called back a few days later, they were requesting a copy of my BANK statement to prove that they recharged me and refused to refund my money b/c "their computer" didn't show a charge. I told them in no uncertain terms that they could kiss my black a**, and they hadn't heard the last of me.....TOTAL SCAM!!!!!!

  • Da
      25th of May, 2008
    0 Votes

    Not what i thought I was getting, not worth the money I paid for the credit card.

  • Ru
      8th of Jul, 2008
    0 Votes

    I take back my previous posting. Brian Trowbridge and Hallmark are a bunch of [censored] - they ripped me off and stole my money. Trowbridge comes across like a nice whitey lawyer but he is really just a slimeball who misleads anyone he talks to. I am sorry I ever met him and his crooked bank, Hallmark.

  • Je
      26th of Oct, 2008
    0 Votes

    REFUND MY MONEY BACK ON MY VISA, ITS NOT THE CARD I WANTED.

  • Pr
      17th of Apr, 2010
    0 Votes

    give me my 29.95 back this crap is ###ed and rediculous the crap for sale isnt even worth the time or my money...!!!

  • Sh
      14th of Nov, 2010
    0 Votes

    I also signed up for this card. There is nothing on their website I would even consider buying. They only report to one credit bureau and if you don't use their credit line then it negatively affects your credit rating. Beware this is a scam!!!

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