Horizon Gold / Horizon Card Services’s earns a 2.0-star rating from 0 reviews and 169 complaints, showing that the majority of cardholders are somewhat dissatisfied with credit services.
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there fraud
They need to be put out of business!
Thre fraud saying you approve for 500. Dollar credit limit and its not a credit card at all.
You need to report there company to the loacal bbb I did that.
totally disgusted
I am totally disgusted with people making promises to help clean up your credit record. This company charged me 79.95 and then sent me a card to use for their web site outlet stores that have absolutely nothing of use to me or anyone in my family. I went thru all 17 of the so-called departments and needless to say over 3500 items later, I wasn't any happier. I want my money replaced in my account now.
this is a joke
I appllied for a horizon gold card thinking that I would receive a visa or a master card and also a free verizon cell phone. I waited two weeks and it took two days to chace down the fed ex guy.after receiving the package there was nothing in it but a broken cell phone from a company that i never heard of and a card no visa or mastercard logo nor were there any instructions on were or how to use the card I did not ask for the card they sent it tome on a post card I went online and applied after the pre approva; letteri scrolled down and realized that they had taken 99.95 out of my acc.instantly. I called right away when i noticed that they had taken it out andI was transfered to someone in charge I told them that i did not want the card because they took the money out of my acc so fast that I new something was wrong. they insisted that it was a real mastercard credit card and that the phone was verizon I still told them that i still did not want it and they told me that if i didnt get it now they could not give me a good referece to any other credit card companies.so I paniced and agreed I am 19 years old and my credit is not bad so i didnt want to mess it up all of this caused my checking acc to overdraw 132.00 which i was responsible for paying it back I feel this company was very misleading and i felt i was being taken advantage of and when i got the card i new it was true
The web site really stinks and the products are junk. I should have been way more careful before trying this company to help me re-establish my credit. These people that are in control of these kind of companies are ###. I will go elsewhere to re-establish my credit before i go broke on buying over priced junk from these guys. But what is bad is it took $50 out of my account before i can drop this mess i got myself in... SO BEWARE of scams/ ran by ###.
I was tricked online to purchase a credit card as well as receiving a postcard through mail thinking it would help improve my credit to find out its just for their own products on line that look like it came from the second hand shop it is a scam i would like to advise anyone who receive this not to fall for it they have not credited my money back after being told it would take 72 hours can someone please contact me back with the customer service # its hard to get in contact with them thank you
They send out millions of postcards that say you're approved for a 500 credit line. Of course everyone thinks credit card, and thats what they bank on. It's really a online store card, but the online store is a complete joke. They make millions from monthly fees. When you realize its not a visa you have to call to cancel and then they fight you to cancel and refund your money. Total scam artists. Don't sign up. If you have already call the 800 number and demand to cancel with full refund. They will try to get you with a cancel fee. Continue to demand your full refund. If they still refuse call your bank and dispute.
I APPLIED FOR THIS CARD, THINKING AND ASSUMING(BY THEM) THAT IT WAS A VISA OR MASTERCARD. BUT IT TURNS OUT THAT IT IS A CARD TO ONLY PURCHASE ITEMS FROM THE HORIZON WEBSITE, THATS IT. I APPLIED A FEW DAYS AGO AND GOT AHOLD OF CUSTOMER SERVICE AND WAS ABLE TO CANCEL MY CARD AND GOT A CONFIRMATION NUMBER FOR THAT, PLUS AM BEING REFUNDED MY 29.95 FEE. THE NUMBER I CALLED AND TALK TO CUSTOMER SERVICE WHO WAS VERY HELPFUL WAS [protected]. HOPE THIS IS HELPFUL TO ANYONE WHO MADE THE SAME MISTAKE I DID.
The information was a little vague when i filled out the application for a horizon gold card, and i did not realize they wanted to take out $79.95 out of my debit visa card account. When they tried it came up insufficient funds. I called them the next day and told them what happened and said do not try to take the money out again, because i read about them on this web site and changed my mind. They assured me they would not try to take it out again. Well, they did. I called them back and told them i wanted my money back, that they promised they would not try again. I did not know they try for 21 days in a row before stopping. The guy turned me over to a guy named michael. He offered me first to refund $50.00 and try the card but i said i do not want the card. He told me the money would be back in my account in 24 hours. I said that is also one of the complaints, that no one ever gets it all back. Michael was very nice and in 24 hours my money was back in my account. I told him if they return all of it i would get on this web site and tell everyone about receiving all of my money.
As a former employee of Horizon Gold I must warn all people who are thinking of getting this card... DO NOT GET THIS CARD... it is a rip off. If you have this card call and cancel it immediately. The company is very misleading. If when you call to cancel and they tell you that there is a 20.00 cancellation fee, threaten a chargeback and you will get 100% of your initial fee back. You will be transferred to a so-called supervisor but don't be fooled, the person you are transferred to is not a supervisor, just a person who is there to try to make thcard sound better than it is. Don't let them convince you that this card will build your credit because chances are it won't even be reported to the credit bureau. If you are transferred to a supervisor You will probably be speaking to "Lori". Don't let her tell you what you want, demand your money back. If she gives you a hard time ask to speak with Kim (gen manager) or better yr=et ask for Rich (vice president). Don't let anyone tell you that they aren't in the office that day because they are there everyday. If they say you have had the card over 30 days and you aren't due a refund, go to the Better Business Bureau and your Attorney General. THIS COMPANY NEEDS TO BE SHUT DOWN.
Horizon Gold Credit Card is misleading and disceptive in promoting their credit cards. This Credit Card does not disclose the purpose for which you have obtained credit: a line of credit to their business website only! This credit card is a Website Credit Card only. Horizon should be investigated by the State of California Department of Corporations, Consumer Dept., and Better Business Bureau for unfair & misleading business practices. I emplore you NOT TO SIGN UP with a company that does not disclose the intent of which they are seeking. This company is seeking your purchases for their own business website and is not a a true credit card. I will further this complaint to the authorities.
I APPLIED TODAY 03-31-08 FOR A HORIZON GOLD CREDIT CARD. THE FEE WAS 95.99, AFTER AGREEING TO THIS AND BEING CHARGED, I FIND OUT ITS NOT A TRUE CREDIT CARD. THEY CHARGED THAT FEE FOR ONLINE SHOPPING AT THEIR SITE.! I AUTOMATICLY CALLED AND DEMANDED A REFUND, WHICH WAS NOT EASY TO DO! I KEPT GETTING THE RUN A ROUND. I TOLD TOM I WAS IN NO MOOD TO HEAR HIS SALES PITCH, AND I WAS GOING TO REPORT THEM TO BBB. HE SAID I COULD GET 50.00 BACK! I SAID NO WAY THAT IT HAD BEEN TEN MINUTES SINCE I HAD BEEN CHARGED AND WAS TIRED OF HIS BULL. HE PUT ME ON HOLD, THEN CAME BACK AND SAID THEY CREDITED MY ACCOUNT FOR THE FULL REFUND!PLEASE BE AWARE OF THIS RIPOFF COMPANY! IF ANYONE NEEDS TO DEAL WITH THEM, BE PERSISTANT, DONT TAKE NO FOR AN ANSWER, DEMAND A FULL REFUND, IT WORKED FOR ME.
I'm trying to figure out whether to cancel this card or keep it. I'm still waiting for my card which "hopefully" will arrive in a day or 2. I know this company is VERY deceiving but when doing a bit of my own research I noticed on their main page there's a thin window at the top with a down-scroll and that's where you can get a lot of info and the account "catch". So I'm waiting for the card and I'm going to check their site thehorizonout.com and if their products and set up works then I'll stick with it. Maybe it will help my credit score. Anyway, I get a feeling that I'll be cancelling it either way but I'll keep you all updated.
Customer service # [protected]
fraud and misrepresentation!
I got this offer by email; "we remain eager and hopeful that you will take advantage of this incredible opportunity to become part of the Horizon Gold Card family. No Credit Checks, No Employment Checks, No income verification whatsoever... even bankruptcy is not a problem. Get 0% Interest, No Credit Checks, Instant Online Approval". I went online to find out more information. I had to fill out the first page of the application. On the second page, there was a picture of cards with the 'Visa' and 'Mastercard' logo. I clicked on the 'Terms and Conditions' for the Horizon Gold card and nothing was available. I tried this a couple of times before searching the internet for comments on this company.
This is a product that takes advantage of desperate people with poor credit and whom often can not read the terms or bypass them because they are strategically placed on the sign up for people to ignore. Consumers pay to be promised to be reported to a credit bureau. Maybe they are, who knows. No legit product will basically take a bribe payment for a useless shopping card to post your credit info. The owner also holds a position at a local bank, so you know they are getting some preferred treatment for a credit card processing account that most likely gets a lot of chargebacks and refunds. If you are billed, just call your bank and file a chargeback on their fees. Do not bother with customer service, save yourself the headache, just tell them to cancel and you are filing a chargeback and filing a complaint. Their customer service is just a chain of reps to try and entice consumers to stay enrolled. The limited shopping site consists of out of stock seconds and returned items, basically useless. The only way this firm makes money is billing consumers a recurring fee for a useless product they will never use. You are not getting anything for your money. The more complaints there are against these fraudsters, the more they may get noticed and investigated.
Bob Kane
President and CEO
Reliant Holdings, Inc
Indiana, Pennsylvania, United States, https://www.reliantholdings.com/corp/v3/index.html#services, Address: 1707 Warren Rd, Indiana, PA 15701
Phone: [protected], [protected] - a professional number, mcuban@gmail.com - verified, (1 months ago) others Patrick Bowman
Vice-President of Marketing
Website Urlhttp://www.reliantholdings.com
Revenue$55.00 Million, Horizon Card Services the Secret behind the card .
Employees70
Locale1707 Warren Rd, Indiana, Pennsylvania US
Phone([protected]
CategoryBusiness and Industry
Sic87, 874 Address: 1707 Warren Rd, Indiana, PA 15701
Phone: [protected]
The product is a scam. If you were scammed by the card, call Bob Kane at Reliant Holdings, [protected] and only speak with him.
Bob Kane at Reliant Holdings they own the card
you should be paying these people back, the card come from you
Read those aholes agreememnt.Even if they don't approve you, they will spam you without mercy.Those rotten ### have ruined my email account with their relentless sales tactics.They have so called unsubscribe links, don't believe it.Why would they continue to harass me?They turned me down, it makes no sense.Never buy anything from spammers, beacsue spammers are usually scammers.Now I allpied for their card, got denied, and these scammers have all of my information, right down to social security.I bet they have been selling those to 'marketers too'.We have to shut these ###s down.
I found this on my statement today, I did not have any dealings with these people .They took $24.95 from my account today, I called them and I was treated poorly and then I threatened them with the police .Then they got a supervisor and were real nice and promised to refund my money today. I have account numbers etc. We will see .
It's bad enough some people were fooled or even misled by the ad, But no one needs to reed a comment from a complete idiot with no regard for other peoples feelimgs.True everyone should read the fine print. But some don't and it seems to me, by the hostility he showed in his comment he must have fell for it. So he is and sounds like an idiot HaHaHa.
I was an employee of reliant holdings and to be honest I personally did not agree with marketing strategy, however, it is a very effective strategy from a business standpoint, it also says right in the terms and conditions that the horizon gold card is NOT I repeat NOT a VISA or MASTERCARD.
Now granted most of the people who wanted to sign up just saw credit card and and signed up without reading the terms and conditions I know because I heard all kind of illiterate folks tell me that they did not see that in the terms and conditions, but, if you look on the web site and click on terms and conditions, and you are not illiterate, you will read clearly in black and white the terms and conditions and it does also state that the card can only be used to purchase online items only.
I also want to state that the card can be used to help your credit by reporting on a monthly basis, the catch is you have to have a balance and be paying on the balance to have a good monthly report, just having the card and having an open account is not going to give you a good monthly report .
The main client base is composed of people who have less than perfect credit and are their credit score does not warrant a visa or mastercard also it states that the visa and mastercard logo are a payment method for the one time initial fee.
Point blank if you are uneducated enough to realize that the only people who will give you a credit card don't already know your credit score and you think that someone would seriously just give you a credit card with your obvious lack of finacial tack, you deserve what you get for not paying attention, and don't give that ADD ADHD horse hockey when someone calls your bluff because you did not read the fine print.
This is 2008 the is fine print everywhere you go in life get with the program.
Now I'm in BIG trouble- the new tenant at my old address activated the card! Now it's hitting my bank account!
I got a post card from Horizon Gold, so I went on line to check it out. I came across this page before I found the site. Thank God. Thank you to all who have posted here, you have saved me and many more a lot of trouble.
If you closely look at the pictures of the card on the post card and on the website, GUESS WHAT! There is no Visa or Master Card logo. If you read the website closely, you will see that those logos are there to show you how to pay the one time membership fee. Also, if you red the terms and conditions, it says specifically that this is not a VISA or MASTER CARD, that it is for shopping on TheHorizonOutlet.com. Learn how to read and examine things!
no logo/mastercard/visa
I'm very upset about the horizon gold credit card, because you can only purchase from the outlet store witht their card, which was misleading, when I purchased there credit card, their are no mastercard/visa logo or a cvv number on the back of the card to be able to use the card for gas, or any other store, and the card cost me $79.95. Well when I purchased this card it was my understanding, that it was a regular credit card, but I can only use it to buy the junk on their outlet store and, I believe it is a rip off and a scam, to get you to buy there junk, so i'm sure you have got alot of angry people that purchased this card that is misleading, and i'm filing a petition to sue them for fraud. Sincerely, kathy dunlap, kathy. [protected]@yahoo.com. Thank you for listening!
how do people get the chance to scam people? it needs to be harsher punishments for those who scam i mean i think companies who scam should face prison time for it and the people we trust to go after these people need to be pressured more and more to stop this crap
horizon need to remove all this scams and what is the goverment doing wake up taking pooor people money thats want to repair their crecit crooks
wow this two need to remove from the web site rip off horizon and union workers credit services, Inc .com
august 3 today i was going to purchase but thank god I look and read all the comments on this fake credit card the same company their names is union workers credit services, Inc same way say they are credit cards same company beware this one two worst finger hunt is better and safer sorry to hear that this fake credit card horizon thats why they dont have a customers phone wow I got gaught in the middle with union workers.com be careful just co on their web site saw that you see that what Iam saying is the truth they should get them of the web site this is a scam they need to remove our add sorry beware from this millions of scam and tis are two where are this people that are in charge to cath up with this scam from us that are poor people and that we are trying to survive there is a god tha t see this this people will burn in hell if they dont repent themself
i haven't received the credit card and the mailman said he hasn't
seen anything coming from you, the address is right i received everything except the card. can you tell me what's going on?
i agree 100% i feel that they are a rip off .like you i feel that they should be sued for not telling the truth in there adds, . or at les let a oerson get there money back out of them when you find out about this. i can not even find one of there stores on line to use it at even to see what junk they are tring to sell.if anyone knows of any of there on line stores or anywhere that you can use this worthless card please email me and let me know. thank you steve dahlstrom (IOWA) steve64dart@hotmail.com
web site scam!
This website is a scam the web site would not even load and they took 89.00 out of my checking account. When i called they said they were updating the web site! I told them i wanted my money back and they told me it would take up to two weeks they are a malicious company scamming customers for crap. U can't even see, i never could load the website on my computer. They told me it was my pop up blocker then my computer. Well its neither they tried everything but giving me my money back.
so you cant get your money back from this ###? they advertise like it is a real credit card. i dont have any credit so i did this ### and its for there website. there website is ### and i dont want this card at all..so if i call do you think i will be able to get my money back in to my bank or i cant do anything abooout it?
misleading advertisement
advertisement is misleading customers, you think that you are getting a $500 credit card and so you pay the $79.95 initial payment but then you get a card that is only for their website to shop as a member. They should be advertising the card as the horizon card services not horizon gold credit card. It is horrible... i will try to see if I can cancel and get my money back, I doubt they would reimburse my money... but I will try. They need to be reported to the better business bureau.
Omg I got this card thinking it was a credit card after seeing its just for their online store I went to check it out never made a purchase but for some reason IRS a 6 dollars charge on my bank statement!
I think the law soon get all this people. We all have trouble with this spam people get money out of poor people. We do not know which one are spam till after they get your money. But I know who take care of them The Lord will take of them.
I though it was a credit card to . Now I do not know what to. Then I try to go to their site to find out how to use the card. Then they try to charge me again for a card. I thought I had lost the card and try to report it. So tell me want to do.
Just filed a complaint with the BBB. This company not only charges you a yearly fee 3x the amount of a cosco/sams membership and triple A membership combined. They charge you a LARGE processing fee on every order. And their customer service representativeS are very rude.
totally agree with what everyone is talking about! I am so grateful that i read the terms and conditions that is the part that we always tend to check the bock but never really read i have learned to take the time to read it because it pretty much tells you what the credit card does or whatever you are applying for. Trust i have learned the hard way in the past. By reading the t&c and reading all of these statement i am not going to get this horizon gold nightmare!
I have received a credit card from them also, when i received it it did only give you the priviledge to only purchase things on their website. They should make things clear to consumers who apply that this not a universal credit card and only be used on their website. To the person who will try to get their money back i want to tell that they are not going to reimburse you the full amount the longer you take the less they give you back . SO GOOD LUCK!
it's crap!
Claims to issue V/MC unsecured credit cards They do not. Card is neither V or MC. Card can only be used on their website. The Horizon Outlet, which sells items you can get at goodwill. I am not slamming Goodwill, actually they sell some pretty cool stuff, Horizon outlet sell junk, items you can get a dime a dozen anywhere, any place. They say I can cancel this card by contacting them using "Contact Us" which, I have yet to successfully do. I want this card canceled now, and they need to either be shut down, or forced to be 100% honest and straightforward about everything.
I have found this out the hard way as well, unfortunenately, they have already taken their fee off of one of my legitimate credit cards, all I want to do is cancel the entire card so no more money goes off my card, but I can't find a way to do this, do you or does anyone know where to go to cancel everything about this card? I agree, I was totally misled, even by the "live agent" so I was upset and just want out. Thanks to whoever can or will help me
simply fraud!
This is mail and internet fraud. Received in mail a preapproved application for a Horizon Gold Card! When to website applied, spent $100 for all fees was lead to believe this was a regular visa/mastercard with a $500 credit limit. WRONG! Horizon had an "on line store" the card is only good at and if you order anything from this very poor web site you must wait four weeks to receive your item(s).
How can I find the customer service number before my card comes.
credit card appl. payment not refunded
I recv'd a card informing me that I have a non-secured visa with a $500.00 limit. I mailed in a money order for $79.95 in September 2007. I have not recv'd any confirmation of receipt, nor have I been provided with a contact tel# for the credit card company. I have emailed the website numerous times re: this matter with no response.
Was lead to believe that I would be able to get top quality goods. I'm not going to use and I'm notifying my bank to stop any future payments.
THIS IS NOT A CREDIT CARD . I THOUGHT IT WAS A VISA OR MASTERCARD . BUT U HAVE TO USE IT FROM THEIR WEBSITE THE STUFF IS POOR I WANT MY MONEY BACK THE TOOK NO TIME TO TAKE THE MONEY OFF MY CARD. THEY ARE MISLEADING, U THINK ITS A REG CREDIT CARD ITS A SCAM NOT REAL I WONT BE USEING THIS CARD .
total fraud, i was suppose to get a credit card what got was ### card for sort cheap warehouse, with cheap merchandise! and i want my money back
This card is a piece of ###. This is not a real credit card. They should have been up front from the beginning. I went to the site and it's trully a bunch of ### that I would not put on my dog let alone myself or my children.
misinformed!
On the 7th of this month (December) I began to do my online shopping with my card... prior to receiving my card I was never told that I would have to pay and additional $40.00 for their gas as well as another $7.00 for ups delivery and signature.
Please note that I understand that gas price's have gone up and yes they should get something but $40.00 plus $7.00 is a bit much for someone like myself on a fixed income. I wanted very much to build up my credit not go farther in debt trying to.
The total amount of item's I was hoping to buy came to a total of $97.98 with these other charges it came to if I can remember correctly $143.
This is scam!
The complaint has been investigated and resolved to the customer’s satisfaction.
I ALSO GOT THIS INVITE IN THE MAIL SAYING THAT I WAS APPROVED AND I NEVER APPLIED I WENT ONLINE TO SEE WHAT THE CARD WAS I HAD NEVER HEARD OF THEM HOWEVER I COULD NOT GET INTO THE SITE TO GET ANY INFO BUT I DID COME ACROSS THIS PAGE I'M SORRY THAT EVERYONE HAD A PROBLEM AND I THANK YOU FOR POSTING BEFORE I SCAMMED TO
THANK YOU
I was excited to get my Horizon Gold Card in the mail on Saturday February 9, 2008. Then when I opened the envelope, much to my dismay, there was not a Visa or Mastercard credit card, just some cheap paper card. I have good credit and I thought I was applying for a REAL credit card. So on Monday February 11, 2008, I called the 800 number. (I would have called sooner, but their hours are Mon-Fri 9-5, or something like that). You know, with my other cards, I can call the 800 number 24/7. Anyway, when I called, I spoke to a Customer Service Rep., I just said that I wanted to cancel the card, period. He went on to say "BLAH BLAH BLAH" I said "NO I WANT TO CANCEL." He said " YOU HAVEN'T EVEN BEEN TO THE OUTLET STORE". I said "YOU HAVE NOTHING I WANT TO BUY. I WANT TO CANCEL THE CARD. I DO NOT WANT YOU TO TAKE ANYTHING MORE OUT OF MY ACCOUNT." I did not realize there was a monthly fee of more money. I'm thinking that if I had been able to get onto their site I would have been charged an extra fee. Thank god I couldn't. Back to my story. Since I was determined to cancel, he could not help me, he would have me talk to a supervisor. I talked to a supervisor and then a manager. Luckily, I was able to cancel my card. I even got a cancellation number and an email stating my request to cancel and my refund will take at least 72 hours to process. The FUNNY part, although the $79.95 they took out of my account immediately, I get a refund of $59.95, because there is a $20.00 cancellation fee. This card is a total SCAM. SCAM SCAM SCAM
scam online credit card company
My money was taken just like all the others, being led to believe that thier card was a regular creit card to repair credit. Turns out they really only offer some cheap services no one ever uses, or that you probably already have included with insurance or AAA or something and if not ,you could buy at the dollar store.
Been trying to login to the thehorizonoutlet.com stores and can't seem to get in after reading some of other complaints I am canceling this card for a refund. Don't need this kind of credit card need one to use for gaS, groceries. Etc.
Was led to believe it was a actual credit card . Ha if it looks to good to be true it is false! I Just want what money they took from my account!
Can't login to even try to buy something . This is the worse card ever . I fill so stupid that I even applied for this card to bust my credit
I am so mad I called them and told them I never received any card but yet they took my money right out of my bank account but no CC
What can be done in a situation like this
Why are they even allowed to do this & not get sued
I want to stop anything to do w/ horizon gold. its NOT what i thought it was. marianwright49@gmail.com
i was under the impression that this was a visa or mastercard i wish to cancel this offer and had not some kind of outlet store card at this time send my $29.99 credit to my account thanks for the offer but this not what i want gregory mcdonald card number is [protected]
Hello My name is Jeremiah Darnell I am having problem with my account. I tried shopping on line at the horizon shopping site and my card want allow me access.don't know why.
Number to contact [protected]
they sent me a eamil stating i was approved for a horizon gold card of $500.00 an was needing $29.95 to activate it an i sent it in on a prepaid debt an now i found out it is a scam i would like my money back or i will be fileing a suit against them for taking my money. the last four digit of my debt is 4977
They had said that i could use the credit card anywhere! It was all a SCAM! I am going to cancel ASAP! I think they should make everything cleaerer so people wont get into so much trouble!
You tell people wrong info to sucker them into your scam really sad I will pray for you I just want whats mines back and you wont ever here from me again. Un- happy Customer
getting your money back
I received my card on Oct. 20, 2007, called their customer service [protected] on the following Monday. Representative gave me a hard time about getting refund back ($79.95). They give you the run around about how good they can help you with your credit and all the services they provide which is crap. After getting frustrated, what part of I DON'T WANT YOUR SERVICES, I JUST WANT MY REFUND. After hanging up on them, they called me right back and left a message that they cancel my card. Three days later they refunded me back $59.95 into my account. Still lost $20.00 and for what, a bad decision.
THIS BLOWS BIG TIME!
taking money out of my checking account every month!
I had no idea about this, but they are taking money out of my account every month. $14.95. I cannot afford this, no wonder I keep getting overdrawn checks on my account and it also said I had a debit purchase of $14.95. You cannot use this card for debit. I am very upset and am going to try to cancel my account with them. If not, I will submit a request to the Better Business Bureau.
Kimberly Shores.
fraud & cheating!
I had signed up with horizon gold card and saw that there is no logo of visa card or master card on the credit card, I called to Hallmark Bank and canceled it but they had already grabbed my 79.95 . I called them again and asked for my money back. They left me on hold for over a hour, knowing I was calling from the US. I still does not have my money back and it has been a month.
Email: [protected]@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]
Contact: Greg Hurd, Millicent Grant or Brian Trowbridge
TCI mailing address:
Hallmark Bank & Trust Ltd.
PO Box 656, Tropicana Plaza
Providenciales
Turks & Caicos Islands
British West Indies
North American mailing address:
Hallmark Bank & Trust Ltd.
PO Box 325 Station 'A'
Etobicoke Ontario
Horizon Gold makes you think you are getting a regular credit card, charges you $79.95 and then when you get your card, all you can use it for is their outlet store. What a rip-off! I only got the card because like so many others out there, I just barely make it financially each month and wanted to feel some security if I had an emergency. I truly feel used!
I applied for the Horizon card and was leadt to believe that it was a Real Credit Card...I tried to log onto the site and it wouldn't let me on even with the log in information. I called custoert service and she did'nt know what I was talking about and and couldn't give me any information even eith my own account number. Now that I have seen all the other complaints regarding this company I will cancel it as soon as possible if they will allow me to as some of the other postings have not been able to. Thanks for the insight.
My wife receive this horizon gold card in the mail last night. Since im a goggle freak i googled horizon gold fraud just to c who these people really are and if there has been any complaint against them needless to say i came upon this website. There's too much complaint against them so i ripped it up for her. I did a little research on them and this is for the people who have ben scam, here goes. Horizon gold address is 1707 Warren Road Indiana, PA 15701 US. Guess who also resides at this address too, Reliant Holdings Guess who owns horizon gold www.reliantholdings.com and there phone #[protected] this website was created on 12-Apr-2005 the email associated with the website is rekane@reliantholdings.com www.thehorizonoutlet.com Record created on 03-Feb-2006. they havent been in the bussiness long enough in my opinion
My wife receive this horizon gold card in the mail last night. Since im a goggle freak i googled horizon gold fraud just to c who these people really are and if there has been any complaint against them needless to say i came upon this website. There's too much complaint against them so i ripped it up for her. I did a little research on them and this is for the people who have ben scam, here goes. Horizon gold address is 1707 Warren Road Indiana, PA 15701 US. Guess who also resides at this address too, Reliant Holdings Guess who owns horizon gold www.reliantholdings.com and there phone #[protected] this website was created on 12-Apr-2005 the email associated with the website is rekane@reliantholdings.com www.thehorizonoutlet.com Record created on 03-Feb-2006. they havent been in the bussiness long enough in my opinion
I am sorry for your losses and problems, but my thanks to you all for your postings. I was about to go to the website and accept this but I'm glad I found your postings. Thanks.
I received a postcard in the mail for this today. It showed I was pre-approved. I also noticed that the card they showed did not have a Visa or a Mastercard logo on it. That was a obvious indication to me that this was not a real credit card. Anyone with poor credit can get a card with HSBC or Tribute. Do not fall for frauds such as this.
I AM GLAD I DID NOT ACTIVE MY HORIZON GOLD CARD AM DO NOT SEND ME ANY BILL.S YOU SHOULD BE A SHAME TRY TO SCAM OLD PPL
customer service problems
We received a post card in the mail stating this was a real credit card so me and my husband thought it was a visa/mastercard. We found out afterwards that it was a store card for an online store and they took 79.95 out of my account. I found there number on another complaint site and called. The supervisor talked me into keeping the account if he took 40.00 off of the fee. I never got an email with my user id or anything like he said I would. I read other people's complaints and decided I really didn't want to get involved with this company so I called back and spoke to the same supervisor. I told him that I read up on the good and bad of the company and wanted to cancel my card and he tried to badger me into keeping the account. I told him NO and he still persisted that I keep the card. Finally he agreed to refund the rest of my money. I would not recommend this company at all.
I did not authorize this company to debit 79$ from my bank account when i attempted to accept this offer the site was having difficulties and i closed out of the site and now i see 79$ debited from my bank account although i didn't complete the application. And now that im trying to contact the company (my bank provided a contact number) the phone just rings i can't reach anyone. I need some one to explain how is it that this could have happened without customer authorization. I am very upset about this, i didnt receive anything in the mail informing me about the acceptance of my application or in my email, this is just unacceptable.
The Horizon Gold Card is not a credit card! I am so ashamed to say that I paid 79.95 fort his card. I thought it was a credit card! I lost my job and needed a card to get me thru to my first paycheck. I am sitting here in tears. I need the money they took from me. It is saturday night so I must wait till Monday to call and cancel this joke. DO NOT FALL FOR THIS! IT IS NOT A CREDIT CARD. I am too upset to even type about it. they never mentioned one time that ths was a card to do nothing but purchase products from their website. And it is all junk!
I too received this piece of mail from horizon gold card stating that i would receive $500 in five days and i would receive a visa or mastercard. I log onto the website and there on i felt this was a scam, there was no number anywhere on the site to speak to a live person before signing up with them. I tried to find other ways to contact them and i was unsuccessful, the only contact they have before you sign up with them is by email. PLEASE DO NOT SIGN UP FOR THIS CARD. ITS A SCAM
Ok. I kind of know what this lady is talking about, then she says that Horizon Gold Card is a f*****g scam. They get you out of 79.95 and 19.95 and then they're out the door. Who this is? I don't know. Where they are located? Who knows? I know one damn thing. Advise smb!
I was too expecting a REAL credit card... now they continue to charge my real credit card and the credit card company's says they need a stop transaction from Horizon... well they have no number to call for customer service... please if anyone has their number post it... I've read other complaints and this truly is fraud. I DO NOT WANT THEIR CREDIT CARD and I'm afraid now that they have my real credit card # that they won't stop charging me these fee's... How do I get rid of this problem? Advise smb!
Misleading advertisement makes you think you have a credit line with their store then when you order stuff and press checkout it takes you to a site where you have to buy a prepaid card where you have to pay 30.00 dollars a month and it goes to your Horizon Card and you have to put money on that prepaid card and pay the shipping and handling fee and the total from your horizon order will go on your credit
I never activated my card and told them I did not want a card only good to buy their merchandise. Yet they continue to charge my account every month. I have tried repeatedly to get charges stopped but they won't. What can I Do?
Plz advise smb!
I'll make it really simple for you illiterate fools, YOU PAY 24.95 A MONTH, AND THEY WILL BUILD YOUR CREDIT FOR YOU. Learn to read the TERMS AND CONDITIONS before putting your card number on the internet and you wouldnt be scammed out of your money. You're obviously not responsible enough to even have a major credit card if you'll just put it on a random application before reading all the conditions.
I was paid fee $ 29 throuth my debit card before couple of dayds and i received ahorizon gold no [protected] to day i was goen walmart for shopping. Card was not working i thing this is cradit card. I don't thcard pl refund my money as soon as posible i very thankfull to you
Only I want refund my money to my debit card
beware - it's a scam!
Hallmark Bank & Trust Limited does not issue unsecured credit cards.
http://www.horizoncardservices.com/
that site says they do issue unsecured VISA cards
Email: [protected]@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]
Contact: Greg Hurd, Millicent Grant or Brian Trowbridge
TCI mailing address:
Hallmark Bank & Trust Ltd.
PO Box 656, Tropicana Plaza
Providenciales
Turks & Caicos Islands
British West Indies
HORIZON GOLD CREDIT CARD
INFO ON HORIZON GOLD CREDIT CARD
Ongoing Annual Percentage Rate: 0.00%
Annual Fee: Nil
Monthly Charges: $14.95-$20.95
Late Dues: $10.00
Returned Check Dues: $25.00
Grace Period: Not Applicable
Reward Program: Free Equifax Credit Report
Total Initial Fee: $35.00
Issued By: Horizon Card Services
How horizon gold card works:
http://goldcreditcards.blogspot.com/2007/07/horizon-gold-credit-card.html
While activating you account, you will get a credit card account to spend on the purchases through this horizongoldcard website only not all others. Also there is a little charge on nominal processing for every purchase. After activation of your account you will receive a Benefit Credit or Horizon Outlet card within 4 weeks from the date of activation. For customer care services you can contact us at: [protected]@myinstantbenefits.com
http://www.bygoldcard.com/horizongoldcardrate.html
Reporting credit Bureau:
Horizon Gold Card Services will send a report about your new credit card account to credit bureau, after getting positive info about your identity. For your identity proof you must senda photocopy of your card to the Horizon Gold Card Services. The card or the horizon outlet gives no guarantee for building or re-building you credit card, or the post of your positive credit report.
Benefits:
Privacy Protection - you will get unlimited internet access. To activate your account or viewing it login to www.horizoncardservices.com using the account issued to you, during your gold card membership.
Universal Rx - You usually check the website for receiving any medications and changes. Unlimited local participating pharmacy access.
Roadside Protection - You will have to pay $50 to the operator upto 3 service calls received up to 15 miles. Additional calls or towing and mileage will cost extra charges. You can cover one service call or towing within 7 days and 3 total service calls within a year. Not to exceed. These service calls include fluid delivery up to 5 gallons based on the current pump cost in your area, lock out service and tire change service(only spare provided to you). These services are not applicable for any accidental vehicle recovery and hence no benefit coverage.
Legal Network - Network will be toll free and internet access to legal resources. Your plan provides you one 30 minute consultation with a legal adviser in your area absolutely free of cost. No Criminal defense cases are required under this plan.
Courtesy Program - MyGasWatch and some other programs offered to our members are done according to convenience and courtesy items only. Horizon Gold Card Services provide no warranty of all mentioned services and can be changed or discontinue at any time
http://query.nytimes.com/gst/fullpage.html?res=9B05EED7103BF932A35754C0A96F948260
Horizon Gold Shares Inc. reports earnings for Qtr to March 31
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Published: July 1, 1989
LEAD: *3*** COMPANY REPORTS **
*3* Horizon Gold Shares Inc.
Qtr to March [protected]
Sales 1,812,697 1,374,221
Net loss b703,968 c497,383
Share earns - .03
Yr sales 9,328,208 4,461,040
Net inc 333,008 d54,265
Share earns .02 -
Shares outst 17,716,742 16,309,156
*3*** COMPANY REPORTS **
*3* Horizon Gold Shares Inc.
Qtr to March [protected]
Sales 1,812,697 1,374,221
Net loss b703,968 c497,383
Share earns - .03
Yr sales 9,328,208 4,461,040
Net inc 333,008 d54,265
Share earns .02 -
Shares outst 17,716,742 16,309,156
b-After a loss of $135,000 from the reversal of tax loss carry forward. c-Net income d-After a gain of $39,188 from the extinguishment of debt.
All you need in order to comprehend everything concerning the difficult question of horizon gold card rate are revealed during the course of this special article. People obtain cards for several uses. There are any number of uses for credit cards, and consequently, nearly everybody carries one (or even several). Some want a card since charging all manner of purchases to a card is a really handy way of obtaining products or services whenever they want or need to -- even if they haven't got ready money. Other potential cardholders decide to go in for online credit cards simply because of the customer benefits they can accrue when they charge goods or services.
Other people may decide to get charge cards on account of the widely known and very attractive offerings proposed by a particular card provider, apart from better client support and great plans. Yet other individuals obtain online credit cards with the rationale that any goods or services they buy will be backed by the card company. This normally holds good in case you've had some sort of trouble regarding the goods you have paid for through your card, and, usually, the card issuer will compensate the damages by letting you charge back that sum.
A number of individuals get plastic cards because it's the best method of payment for e-Commerce transactions. For a number of folks, online shopping can be the most hassle free method to purchase goods or services, and more so for people who haven't found the time to drive to the shopping center. Online merchants typically accept payments from their customers by means of creditcard. Other people acquire online credit card so that they have a backup, and utilize it whenever they need money urgently. Almost all individuals experience emergencies when they're caught short, without readily available cash, so it becomes hard for them to find ways to manage the particular crisis. creditcards can come to their rescue in such circumstances, and this is yet another convenient use your plastic money can provide. Some people apply for plastic cards simply because they want to have card records that they can leverage in upcoming borrowings or other credit dealings with banks and financial institutions.
And, finally -- there are people who obtain online creditcards because of the expediency factor of not carrying cash around, which is rather unsafe. After all, cash in a stolen wallet could be lost permanently, while stolen or misplaced credit card online isn't as great a calamity - you just have to cancel the card, so you haven't really lost a thing in any way.
Those things are the characteristic justifications for why cards are popular with the majority of individuals -- which can be boiled down to the simplicity, practicality, and relative safety. However, no matter what the motivation, getting and making use of your online creditcard isn't something anyone should do without thinking things through. creditcard could be a truly convenient way for you to leverage as an alternative monetary instrument, though it can create difficulties for you. This is due to the fact that it ought to be utilized just by individuals who have what it takes to manage its use. If utilized in a rash or impulsive way, you will face the consequences of a monetary reversal later on.
To assess whether you'll be capable of managing online credit card (alongside your other financial matters) in the wisest manner, you should learn and apply the most important factors regarding your card and its basic elements. You have to think whether you will have the financial capability to pay off your bills when they arrive when you've bought goods on your plastic cards. Debt with plastic card is a typical scenario, on account of the inability of the cardowner to pay up his/her card balance right away. This happens if the card owner fails to take due care with the manner in which he or she makes credit purchases, and consequently piles up ever-growing dues by the end of the period the bill covers.
How about a scenario when a person fails to pay the bills in full and just pays them in part? It might be alright, although the danger sets in if its a recurrent feature and the card dues keep piling up, because it means heftier rates of interest. Fees increase even more if there're no appropriate funds to cover the card dues. In such a scenario, it's crucial that the card owner make use of the most strategic financial management to understand how he or she should use charge card in order to evade financial losses.
For additional Horizon Gold Card Rate info, simply click:
Bad Credit Card: a number of details on Bad Debt Credit Card
Low Horizon Gold Card global review - Credit Card Low
Extensive Best Deal On Credit Cards facts - Best Deal On Horizon Gold Card
Business Credit Card online guide
After reading what you have read covering horizon gold card rate it ought to be easier to make your future choice about the idea of horizon gold card rate.
Are you seeking the most instructive horizon gold card rate discussion groups? Here, you should get the most updated statistical findings and chat groups: www.outreach.psu.edu, dmoz.org, gas credit card
I ordered the card yesterday and going online and reading about them I send my bank a message to stop the transaction and not to take it out of my checking account so I won't owe my bank 29.95 if the horizon card service so I told my bank that they are scammer trying to make quick bucks and plus those 29.95 my baby of 2 month needs diapers
I was billed to recieve a Horizon Card and have not recieved my credit card by mail please cancel any card sent and resend me a new card to a new address which is
Angelique Hueca
550 Wyandotte Street
Bethlehem, PA 18015
Thank You
Any additiona information please E-Mail me at amhueca@gmail.com
Hi, I got a card in the mail and it was a horizon gold card for $500 and I was getting it activated on line and I did everyhting but it was asking for a card # and the experation date. I thought you didn't need any credit card. Because it said on the card no bad credits, or bank checks. So I want to know what is going on here?
May be you can help me for I was charged $89.95 on my bank account from Horizon Card services for a charge that I did not order of any cards please give me refund to my bank account and was not oked for any cards. Please refund ASAP to my bank account. So that I can clear up my account.
I was offered a unsecured visa which this isn't then you have to pay processing fees equal to purchases not good
fake cards
Scam [censored] card below is Horizon Gold Card / Hallmark Bank fake interncet bank info.
Domain name: HALLMARKTRUST.COM
When you register a domain name, current policies require that the contact information for your domain name registration be included in a public database known as WHOIS. To learn about actions you can take to protect your WHOIS information visit
Registration Service Provided By: Enom, Inc
Contact: [protected]@enom.com
Visit: www.enom.com
Domain name: HALLMARKTRUST.COM
Registrant Contact:
Hallmark Trust Ltd.
Hallmark Trust Ltd. (NA)
NULL
Fax:
P.O. Box 656
Providenciales,,
TC
Administrative Contact:
Quantum Leap Network
Robert Burr ([protected]@quantumleap.net)
+1.[protected]
Fax: +1.[protected]
PO Box 144353
Coral Gables, FL [protected]
US
Technical Contact:
Quantum Leap Network
Robert Burr ([protected]@quantumleap.net)
+1.[protected]
Fax: +1.[protected]
PO Box 144353
Coral Gables, FL [protected]
US
Status: Locked
Name Servers:
ns1.quantumleap.net
HALLMARKTRUST.COM
64.243.104.197
Record Type: IP Address
SAVVIS Communications Corporation SAVVIS8 (NET-[protected])
64.240.0.0 - 64.243.255.255
Quantum Leap Network SAVV-S93619 (NET-[protected])
64.243.104.192 - 64.243.104.223
Horizon Card
owned by Hallmark bank and Trust / Brian Trowbridge the more i dig..the more he owns, weaving it so it is complicated to get info... f*ck him. He is a piece of ### British lawyer
1. OFUSA - May/June 1999
www.offshorefinanceusa.com/usa - [Cached]
Published on: 1/3/2000 Last Visited: 9/7/2002
Author: Brian F. Trowbridge, Esq., Twa, Cochrane, Skatfeld, Turks and Caicos Islands
http://www.zoominfo.com/search/PersonDetail.aspx?PersonID=17057508&QueryID=6e356b93-b411-48d0-899f-6e262c3c3e91#ref17057508
Corrupt Report: horizon gold credit cardHallmark Bank & Trust Ltd. is a licensed bank and trust company organized ... Brian F. J. Trowbridge, B.A., LLB, T.E.P. a graduate of the University of ...
www.corruptreport.com/2007/06/horizon-gold-credit-card_30.php
SEC Info - F&M National Corp - 10-K - For 12/31/94On July 1, 1994, Hallmark Bank and Trust Company, Springfield, Virginia, ... home equity lines and other secured and unsecured credit facilities.
www.secinfo.com/drV5e.a2t.htm - 136k - Cached - Similar pages
F&M NATIONAL CORP Annual Report (10-K) ITEM 1. BUSINESS(5) Includes the acquisition in 1994 of Hallmark Bank and Trust, Springfield, ... home equity lines, and other secured and unsecured credit facilities.
sec.edgar-online.com/1997/03/27/00/[protected]-[protected]/Section2.asp - 83k - Cached - Similar pages
More Horizon Gold Hallmark Bank scam information
Hallmark Bank & Trust Ltd. office hours are 8.30 am to 5.00 PM, EST, Monday to Friday.
Email: info@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]
that phone i also
http://www.nationalcolonyrealty.com/community.htm
Yvette Marcelin Bernd Wolf
[protected] or [protected] or 946-4410
Marcelin@tcmlaw.tc wolf@tcmlaw.tc
Paul Dempsey Sarah Knight
[protected] or [protected] or 946-4734
paul@dempseyandcompany.com sarah@misickstanbrook.tc
www.dempseyandcompany.com www.misickstanbrook.tc
Bertha Belle Brian Trowbridge
[protected] or [protected] or 946-5316
belle@tciway.tc bad@tciway.tc
Brian Trowbridge
[protected] or [protected] or 946-5316
tc
Hallmark Bank & Trust Ltd.
Tel [protected] Fax [protected]
Horizon Card, a MasterCard secured credit card adding security, flexibility, access and confidentiality to your offshore assets, with the added feature of on-line account information availability.
http://turksandcaicos.tc/bankstrusts/index.htm
http://www.horizoncard.tc/
http://www.hallmarktrust.com/
Hallmark Bank & Trust Ltd.
PO Box 104,
Tropicana Plaza, Leeward Highway
Providenciales
Turks & Caicos Islands, BWI
Phone: [protected]
Facsimile: [protected]
Email: horizon@lochaven.tc
Hallmark Bank & Trust - Providing International Financial ...Hallmark Bank & Trust Ltd. is a registered, licensed and insured bank and ... Hallmark Bank & Trust Ltd. issues the Horizon standard and gold MasterCard®. ...
www.hallmarktrust.com/ - 14k - Cached - Similar pages
Hallmark Bank & Trust - Providing International Financial ...Normally our clients select Nominee Directors and Officers that are provided by Hallmark Bank & Trust Ltd. in order to maximize the tax efficiency of the ...
www.hallmarktrust.com/faq.php - 43k - Cached - Similar pages
[ More results from www.hallmarktrust.com ]
[PDF] HorizonCard ApplicationFile Format: PDF/Adobe Acrobat - View as HTML
documents to Hallmark Bank & Trust Ltd., to the address below. See ... consideration of Hallmark Bank & Trust Limited (“Hallmark”) issuing one or more ...
lochaven.tc/pdf/horizoncard_application.pdf - Similar pages
HorizonCard ApplicationSend a bank draft payable to Hallmark Bank & Trust Ltd. along with application ... Horizon MasterCard Card is administered by Hallmark Bank & Trust Ltd., ...
www.horizoncard.tc/1-application.php - 36k - Cached - Similar pages
Horizon Card MasterCard International Credit Card solutions.Hallmark Bank & Trust Ltd. is a licensed bank and trust company organized under the laws of the Turks & Caicos Islands. Hallmark Bank & Trust Ltd. is also a ...
www.horizoncard.tc/companyinfo.php - 16k - Cached - Similar pages
[ More results from www.horizoncard.tc ]
Complaints Board | Horizon Gold Credit CardHallmark Bank & Trust Ltd. is located in the Turks & Caicos Islands a British ... Hallmark Bank & Trust Ltd. PO Box 104, Tropicana Plaza, Leeward Highway ...
Horizon Gold Credit Card — misrepresentation! - 119k - Cached - Similar pages
Complaints Board | Hallmark Bank & Trust / Horizon Gold /Compa CardHallmark Bank NA Hallmark Finance http://www.hallmark-online.com Hallmark Trust Finance Hallmark Trust Finance Bank Hallmark Bank & Trust Ltd. PO Box 104, ...
www.complaintsboard.com/complaints/hallmark-bank-amp-trust-horizon-gold-compa-card-c22426.html - 44k - 21 hours ago - Cached - Similar pages
[ More results from www.complaintsboard.com ]
The Turks and Caicos Islands are known internationally as a ...Hallmark Bank & Trust Ltd. is a registered, licensed and insured bank and trust ... Hallmark Bank & Trust Ltd. in conjunction with expert legal, accounting, ...
www.wherewhenhow.com/Development/Investment.html - 18k - Cached - Similar pages
Compass MasterCard Prepaid Credit Card - solutions."The Issuer" means Hallmark Bank & Trust Ltd., a licensed bank and located in the Turks & Caicos Islands B.W.I., which will issue the Card. ...
www.compassmastercard.tc/cardholderagreement.php - 34k - Cached - Similar pages
Unauthorised internet banksAllied Trust Merchant Bank or Allied Trust Merchant Brokers Limited alliedtrustbankuk.com ... Hallmark Finance & Savings Bank (at hfshuk.50megs.com) ...
www.fsa.gov.uk/pages/Doing/Regulated/Law/Alerts/internet.shtml - 49k - Cached - Similar pages
Hallmark Bank/ Horizon Gold Complaints / Compass Visa
email PublicInfo@sec.gov
Submit a written request to:
U.S. Securities and Exchange Commission
Office of Investor Education and Advocacy
100 F Street N.E.
Washington, DC [protected]
Send a fax to: [protected]
Please include a mailing address and daytime telephone number in order to expedite your request should questions arise. Each request for information or copies should clearly describe the information sought with respect to complete name, date, subject matter, type of document, file number, or any other specific information which will assist us in identifying the information you are requesting. This enables us to ensure that the correct documents are located and provided as quickly as possible.
Your written request should indicate a willingness to pay the reproduction cost of $.24 per page for regular service or $.36 per page for priority service, and delivery charges. Our copying contractor, Thomson Financial Inc., will advise you of the total reproduction costs prior to completing the request. Should questions arise about making a request, you can call [protected] for further assistance.
If you need certified copies of records or documents your request should be submitted to certified@sec.gov.
http://www.sec.gov/answers/publicdocs
Well here is another one taken by the scam of horizon gold (credit card)! Received the card 2day june 2,2007. I even called to verify to make sure i could use the card and was told i could use it as credit card because it is a credit card. I went to walmart and have never been so embarrassed in my life!what is wrong with you so called people?! Have you no shame! I highly doubt it, yall are nothing but crooks and i am informing my bank monday to put all blocks on you. As god is my savior you will not get another dime from me! You already took me fo $80. How can you live with yourself and sleep at nights. What a stupid question. Crooks have no feelings for the people that have to work hard for their money. Heartless and ruthless pigs like you do not even belong in the same category as human beings. I will get some of my money back that you took from me are i will die trying and you can take the rest of it to your grave to share with the the other maggots as of yourself. Spineless pigs. Robert Roschi
Hallmark Bank & Trust Ltd.
PO Box 104,
Tropicana Plaza, Leeward Highway
Providenciales
Turks & Caicos Islands, BWI
Phone: [protected]
Facsimile: [protected]
Email: horizon@lochaven.tc
http://www.corruptreport.com/2007/06/horizon-gold-credit-card_30.php
The Bad – The Turks and Caicos is in treaties that could affect tax matters. They are in the same treaty as Anguilla.
Bahamas bank and funds in BVI, Cayman and TCI among biggest creditors of bankrupt $1.6 b cash manager
August 20, 2007
A bank and seven investment funds all domiciled in Caribbean countries are among the 20 largest unsecured creditors of a U. S.-based cash management firm that has filed for bankruptcy in Chicago.
Full story >
SEC Steps Up Nationwide Crackdown Against Internet Fraud, Charging 26 Companies and Individuals for Bogus Securities Offerings
FOR IMMEDIATE RELEASE
99-49
Vigilant Surveillance and Preemptive Strikes Help Prevent
Investor Losses
Washington, D.C., May 12, 1999 – In its third nationwide Internet fraud sweep, the Securities and Exchange Commission today announced 14 enforcement actions against 26 companies and individuals for using the Internet to defraud investors and potential investors.
These actions are the culmination of a sweep targeting the sale of bogus securities through the Internet. In some of today's actions, SEC Internet surveillance detected the alleged bogus investment offerings before the perpetrators could make any sales, stopping the alleged frauds before potential investors lost money.
SEC Director of Enforcement Richard H. Walker said, "These actions demonstrate the SEC's commitment to cleaning up the Internet, and prove that through vigilant surveillance and preemptive strikes, the SEC can catch Internet thieves in the early stages of their investment frauds, sometimes even before they have stolen from a single investor." Mr. Walker added, "While the Internet can make it easier for thieves to commit securities fraud, the Internet also puts the fraud in plain view, making it easier for the SEC to catch it."
Today's actions share two common themes: Each involved the sale or marketing of securities via the world wide web and each contained outrageous or baseless promises to investors, in some instances guaranteeing annual profits exceeding 100% or even 2000% of an investor's initial investment. In addition to the fraud claims asserted in the actions, the SEC also charged several individuals for acting as unregistered broker-dealers and for selling unregistered securities.
In two of the actions, each an alleged international pyramid scheme (SEC v. Roor, et al. and SEC v. Future Strategies Srl), a federal judge has granted emergency relief, including an order requiring the defendants to stop immediately all alleged fraudulent activities and to submit a detailed accounting of all investor funds; and, in the case of SEC v. Roor, et al., the judge ordered an asset freeze. Among the other actions filed today, the SEC charged alleged swindlers with using the Internet to peddle worthless investments ranging from gold mining interests (In re Pierce, et al.) and so-called "prime bank" notes (SEC v. Stahl, et al. and SEC v. Edwards) to "ground-floor opportunities" in high-tech software (SEC v. Rosenthal), the construction of pre-fabricated hospitals in Turkey (In re Artz, et al.) and a product providing a revolutionary gold processing technique (SEC v. Abramson).
Today's actions are part of the third nationwide sweep conducted by the SEC. Previous sweeps filed in October 1998 and February 1999 dealt with the unlawful touting of publicly-traded companies via the Internet. The SEC's Office of Internet Enforcement coordinates the sweeps; the CyberForce and the Office of Internet Enforcement conduct the surveillance; and attorneys within the SEC Division of Enforcement throughout the country lead the investigations. The CyberForce, now more than 200 strong, is a dedicated corps of SEC enforcement staff specially trained for Internet surveillance.
Two emergency actions, SEC v. Forex, et al. filed in February and SEC v. Lazarus Long filed in April, were originally part of this sweep, but the SEC filed these actions earlier to minimize investor losses.
The SEC also issued today a series of tips for avoiding online investment scams, encouraging investors to take three steps before they invest:
Call your state securities regulator or check the SEC's EDGAR database at www.sec.gov to determine whether an investment is legally registered.
Ask your state securities regulator whether the person or firm selling the investment is licensed to do business in your state and whether they have a record of complaints or fraud.
Assume investments offered through the Internet are scams until you've done your homework and proven otherwise.
"People spend more time choosing a computer than they spend researching Internet investments," said Nancy M. Smith, Director of the SEC's Office of Investor Education and Assistance. "Investors can take their own preemptive strikes against Internet fraud simply by checking out investments before they buy."
To report suspicious Internet activities pertaining to securities fraud, please use the Enforcement Complaint Center at or email the SEC at enforcement@sec.gov and for more tips on saving, investing, and avoiding fraud online, visit www.sec.gov/investor/online.shtml.
Case Summaries & SEC Contact List
1. SEC v. David Abramson (SEC Contact: Eric Schmidt [protected])
The SEC alleges that David Abramson, a resident of New York City, New York, raised $50,000 over the Internet by selling phony interests in a company called Brightstar, which purportedly had access to a more efficient process to extract gold from magnetite concentrate, a type of ore. The SEC alleges that Abramson's promise to investors that they could receive an annual return of 2600% for ten years was an outright lie.
2. SEC v. Abacus International Holding Corp and Arthur Agustin (SEC Contact: David Horowitz [protected])
The SEC alleges that the sole owner and employee of Abacus International Holding Corp., Arthur Agustin, a resident of Alameda, California, sold "prime bank" securities, and made false promises of extravagant returns with little risk; all for an investment that never existed. At least one person invested $250,000 in the securities offered by the defendant, at least $60,000 of which the SEC alleges Agustin misappropriated for his own use.
3. SEC v. Richard Briden, Empowerment Funding Group, LLC and Infopro Group, Ltd. (SEC Contact: James Adelman [protected])
The SEC alleges that Richard Briden, a resident of Ashland, Massachusetts, and two corporations he controlled offered fraudulent "prime bank" trading programs over the Internet. The SEC alleges that Briden convinced seven investors to invest $295,000, promising a return of 640% per 40-week trading period. The SEC alleges that, like all "prime bank" securities, the investment never existed.
4. SEC v. Future Strategies Srl (SEC Contact: Richard Murphy [protected])
The SEC alleges that Future Strategies, an Italian entity headquartered in Carpi, Modena, Italy promoted a bogus pyramid scheme over the Internet known as "Pentagano." The SEC alleges that Future Strategies sold "Pentagano Certificates," now called "Card Purchase Orders," to more than 400 investors in the United States making false promises that an investment of only $120 or so could earn up to $116,400. The SEC alleges that the entire program was a sham, a fraudulent pyramid scheme, designed only to bilk investors.
5. SEC v. HDG Investment Corp. and Paul Edwards (SEC Contact: Daniel Shea [protected])
The SEC alleges that HDG and Paul Edwards, a Canadian citizen living in Prague, Czech Republic, used the Internet to raise more than $300,000 from investors for a fictitious prime bank investment program promising to produce a 20-to-1 return in thirty days. The SEC alleges that Edwards continued to give investors false assurances that they would receive their promised returns months after diverting at least $100,000 of investor proceeds to his personal use. The SEC alleges that, like all "prime bank" securities, the investment never existed.
6. SEC v. Theodore Pollard (SEC Contact: Helane Morrison [protected])
The SEC alleges that Theodore Pollard, a resident of Palo Alto, California, maintained a website using the name "World Investment Network, Ltd." on which he solicited dubious investments, including the "Winsell $35K Lease $1M" program, a "prime bank" program. The SEC alleges that Pollard promised investors an 800% return ($3,000,000 on $35,000 in ten months) on a purportedly risk-free investment. During the course of the investigation, Pollard was ordered by a District Court Judge to comply with Commission administrative subpoenas. Pollard was then found in contempt of that order, daily fines were imposed, and the Judge issued a bench warrant for his arrest for his continued non-compliance. The SEC alleges that, like all "prime bank" securities, the investment never existed.
7. SEC v. Peter Roor, Ronald Templin and Laurie Weiss (SEC Contact: Mark Schonfeld: [protected])
The SEC alleges that Peter Roor, a Dutch citizen residing in Amsterdam, Ronald Templin, a resident of Kokomo, Indiana, and Laurie Weiss, a resident of Waynesville, Missouri, promoted at least five ongoing Internet-based fraudulent pyramid schemes, each of which promised investors risk-free returns between 10% and 400% per month, plus additional returns for recruiting new investors. The SEC alleges that the pyramid schemes were a complete sham based on a slew of empty promises. The SEC alleges that the defendants defrauded thousands of investors worldwide of more than one million dollars. On Monday, the SEC obtained emergency relief from a New York Federal Judge, including an immediate order to cease all fraudulent activities, to account for all investor funds, to freeze the assets of two of the defendants (Roor and Templin), and to further protect all investors by prohibiting the defendants from transferring any money offshore.
8. SEC v. Jason Rosenthal (SEC Contact: James Adelman [protected])
The SEC alleges that Jason Rosenthal, who resided in Gloucester, Massachusetts at the time, used the Internet to solicit purchasers of unregistered securities in entities formed to purchase and operate franchises, which would sell and support software for operating commercial websites. The SEC alleges that Rosenthal made false promises claiming returns for investors of 500% to 2000% within two years. The SEC also alleges that Rosenthal misled investors into believing that they had an opportunity to join the same venture capitalists who had provided initial capital for Microsoft and Intel, and further misled investors to believe that the entity in which they would be investing was planning an initial public offering. The SEC alleges that Rosenthal's solicitations yielded investments from three investors, totaling $50,000 and commissions to Rosenthal in the amount of $5,000.
9. In the Matter of Lawrence Artz, Neurotech Corp., Enhance Resources, Inc. and Bruce Lynch (SEC Contact: James Adelman [protected])
The Division of Enforcement alleges that Lawrence Artz, a resident of Roslyn, N.Y., Bruce Lynch, a resident of Brookline, Massachusetts, Neurotech Corp. and Enhance Resources, Inc., conducted a fraudulent offering over the Internet for an investment in notes in the nominal amount of $15 million, the proceeds of which were to be used to construct prefabricated hospitals in Turkey. The Division also alleges that the respondents claimed that three well-known Turkish banks had agreed to guarantee the notes, so that there would be no risk to investors. The Division also alleges that the entire investment was a sham – no Turkish banks had ever made any such guarantees and the projections posted in the offering were nothing more than baseless and unfounded representations. The Division filed this action before anyone invested in this alleged fraud.
10. In the Matter of David Francis (SEC Contact: Antonia Chion [protected])
The Division of Enforcement alleges that David Francis, a resident of Bowling Green, Kentucky, marketed interests in "prime bank" investment programs, promising returns as high as 200% every ten banking days. These solicitations were made to an Arizona undercover investigator who was passed on to Francis after initially reading about "prime bank" investments on an Arizona-based website. The Division alleges that, like all "prime bank" securities, the investment never existed, and filed this action before anyone invested in this alleged fraud. Without admitting or denying the Division's allegations, Francis consented to an order requiring him to cease and desist from all current and future violations of the antifraud provision of the Securities Act of 1933.
11. In the Matter of Derrick Johnson (SEC Contact: Sheila O'Callaghan [protected])
The Division of Enforcement alleges that Derrick Johnson, a resident of Aloha, Oregon, used three different websites to sell "prime bank" instruments promising returns from 50% to 1600% in 3 to 120 plus days and promising that the "prime bank" instruments would be "100% insured" and "guaranteed in writing." The Division alleges that Johnson also falsely represented that he and his company, "Global Financial Group," had clients in more than twenty countries, even though Global and Johnson in fact had no clients at all, and no operations other than the three websites Johnson created. The Division alleges that, like all "prime bank" securities, the investment never existed. The Division filed this action before anyone invested in this alleged fraud.
12. In the Matter of Lila Keith (SEC Contact: Daniel Shea [protected])
The Division of Enforcement alleges that Lila Keith, a resident of Aurora, Colorado, operating under the name "Keith Financial Services," used the Internet to provide account receivable services, to broker commercial loans, and to offer "prime bank" investment interests. The Division alleges that Keith raised over $300,000 from at least three investors for the "prime bank" securities offered by Paul Edwards (See, SEC v. Edwards), promising a 20-to-1 return within thirty days of each investment. The Division alleges that, like all "prime bank" securities, the investment never existed.
13. In the Matter of Gary Pierce and C.S.I. Ag (SEC Contact: James Adelman [protected])
The Division of Enforcement alleges Gary Pierce, a resident of Studio City, California, and C.S.I. Ag., a Turks and Caicos company, solicited investments in a $500 million unregistered bond offering for the government of Free Vietnam, a political association, via its website and other vehicles. The Division alleges that the respondents promised an average annual return of 19.6% and that the bond offering was collateralized by $500 million of CSI's gold reserves. The Division alleges that there existed no basis for the valuation of the gold reserves. The Division also alleges that the respondents failed to disclose that 70% of the money invested would be used for activities that would generate no revenue, and that only 30% would be invested in an unspecified "yield rich trading program" (which would have to generate more than 56% annually for five years to pay investors the promised rates of return). The Division filed this action before anyone invested in this alleged fraud.
14. In the Matter of Robert Stahl, Elizabeth Boyd and Bobby Rodgers (SEC Contact: Antonia Chion [protected])
The Division of Enforcement alleges that Robert Stahl, a resident of Chandler, Arizona, Elizabeth Boyd, a citizen of Canada who resides in Oakville, Ontario and Fort Myers, Florida, and Bobby Rodgers, a resident of Germantown, Tennessee, offered to an Arizona Corporation Commission undercover investigator various "prime bank"-related investment programs. The Division further alleges that Stahl initially offered certain of these programs on a website he created entitled "Inve$tit Opportunities," then later, in personal solicitations, promising returns as high as 20% each 2-3 week trading "cycle." The Division alleges that the investigator was later passed on to Elizabeth Boyd and her associate David Francis, who ultimately offered him an interest in a program promoted by Bobby Rodgers that purported to generate returns as high as 200% every ten banking days through the trading of fictitious debt instruments on overseas markets. The Division alleges that none of the programs offered existed. The Arizona Corporation Commission and the Division of Enforcement filed actions before anyone invested in these allegedly bogus programs.
http://www.sec.gov/news/headlines/nets0599.htm
Horizon Gold card------------Hallmark bank and Trust
swannlaw.tc is registered.
Domain Name: swannlaw.tc
Registrant
Hallmark Trust Limited
Box 656, Tropicana Plaza, Providenciales
Turks and Caicos Islands
E-mail: ghurd@hallmarktrust.tc
Phone: [protected]
Fax: [protected]
Technical Contact, Billing Contact, Admin. Contact
Web Hosting Manager, Cable & Wireless
P O Box 78, Leeward Highway, Providenciales
Turks and Caicos Islands
E-mail: tcimall@tciway.tc
Phone: [protected]
Fax: [protected]
Resource Records (2):
ns goldfish.tciway.tc
ns redsnapper.tciway.tc
Domain Services Provided By:
Names9.com, support99@names9.com
http://www.names9.com
Registrant:
Affordable Webhosting, Inc.
P.O. Box 1508
Manzanita, OR 97130
US
Registrar: DOTSTER
Domain Name: HALLMARKBANK.COM
Created on: 15-JAN-03
Expires on: 15-JAN-08
Last Updated on: 29-JUL-07
Administrative, Technical Contact:
Webhosting, Affordable support99@names9.com
Affordable Webhosting, Inc.
P.O. Box 1508
Manzanita, OR 97130
US
[protected]
Domain servers in listed order:
NS1.REVENUEDIRECT.COM
NS2.REVENUEDIRECT.COM
fraud and cheating!
I never activated the card when I got it and found out that it was a buyer card only. I was led to believe it was a regular credit card. I tried to get the charges stopped but noone will contact me and I can't get them to quit charging my account. Please tell me how to stop this smb!
I was mislead into thinking this was a real credit card. I charged the $79.95 fee to a real credit card that I have. 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. They are only open M-F (9-5pm EST) This is Saturday.
Any advice you can give would be appreciated.
Same experience. Everyone report this company to the Better Business Bureau (BBB.org) and give them all telephone numbers and/or addresses; fictitious names associated with Horizon. They WILL investigate!
Yes I agree to this, They took 49.95 off of my emrald card from H&R Block told me that I would recieve my card in the mail in 7-10 business days and here it is two and a half weeks later and I still did not recieve anything. I am kinda of irratated over this whole mater and I also was told that this was a mastercard and I sure enough hope that it is cause the web said that it was to help me rebuild my credit. This is not right then I go on the website to try and find a customer service number and I could not find it. Thankfully someone posted it already which I am thankful for. If anyone ever needs to get any kind of 1-800 number you can dail this number right here [protected] its called toll free directory powered by tell me Its gets me all the numbers that I want. But I tried finding this credit card company on it and it said that they don't list there number with them so I am taking it that this is a gimic. I am quite upset basically stole money from childrens mouths that is messed up...
If you have been duped by these idiots and need the number for them here it is.
[protected]
Call them to cancel your card/account, refuse all of their worthless offers, demand the cancelation in writing, if they doddle at all threaten to sue them. It worked for me.
this company is misleading and its no wonder the make the print sooo small so that no one would be able to read what the card ir really about, . this card is dumb and misleading, and the customer services they have also sucks, i cancled this card shortly after i recieved it and they didnt cancle it and these hole 6 months they've been chargeing me i new nothing about, this dumb because i cancled them long agao and there still chargeing me to have a stupid card i dont use.
I first would like to say its a privikege and a honor to be selected to be a horizon gold card member.Although, I was pre- approvaed as a possible potential member.The approval number is z3071787. however, I attempted to apply on line without the approval number after getting off work. Then I tried to document the approval number the computer would not let me in. At your earliest convience please make the necessary corrections thats needed. It popped up saying that I couldnt go any furter because it would be fraud.By all means I wouldnt never attempt that at all. I do apologive for any in conviences.Again thankyou very much for your complete cooperation.
always read the fine printed text on credit offers. i received a postcard to apply for a card through horizon and was going to till i read the terms on the card and found out you have to order products from THEIR website and they charge a lot of fees for service and cancellation. good luck getting any money back.
HORIZON CARD
https://www.federalreserve.gov/secure/iccs/iccsquery.cfm
Hallmark Bank & Trust Ltd.
PO Box 104,
Tropicana Plaza, Leeward Highway
Providenciales
Turks & Caicos...
Email: info@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]
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: [protected]
Facsimile: [protected]
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
Unauthorised internet banks
Federal Reserve Banks
Major Consumer Protection Laws
Contacting Federal Agencies
Online Complaint Form
If you have a complaint about a bank or other financial institution, the Federal Reserve System can help.
The Federal Reserve System is one of five federal banking agencies responsible for administering many of the federal laws that protect consumers in their dealings with financial institutions. The Federal Reserve investigates consumer complaints against banks that are members of the Federal Reserve System (state member banks). The Board of Governors, in Washington, D.C., works with the twelve Federal Reserve Banks across the country to ensure that state member banks abide by the law.
We help consumers by:
Identifying the appropriate federal banking regulator and referring complaints to that agency
Investigating complaints about state member banks
Answering questions about banking practices
How to File a Consumer Complaint About a Bank
What complaints are investigated?
If you think a bank has been unfair or misleading, discriminated against you in lending, or violated a law or regulation, you have the right to file a complaint (see "Major Consumer Protection Laws"). Complaints about discrimination in housing are covered by the Fair Housing Act. These complaints are investigated by the Federal Reserve and referred to the U.S. Department of Housing and Urban Development.
How do you file a complaint?
First, please try to settle the problem directly with your bank. This may involve contacting senior bank management or the bank's customer service representative.
If you cannot resolve the problem with your bank, you may want to file a complaint with the appropriate federal regulator (see "Contacting Federal Agencies"). If you cannot identify the federal regulator, contact the Federal Reserve Board, and we will forward your complaint to the appropriate agency.
For complaints about state member banks, you can use the online complaint form or file a written complaint with the Federal Reserve--either with the Board or with the appropriate Federal Reserve Bank. Please include the following:
Your name, address, and daytime telephone number
The complete legal name and address of the bank involved in your complaint
Your bank or credit card account number, if applicable
The names of the people you contacted at the bank, along with the dates
A description of the complaint. Tell us what happened, the dates involved, and the names of those you dealt with at the bank. The more information we have about the problem, the quicker we will be able to help resolve it. Include copies of letters or other documents that may help us investigate your complaint. Please send only copies of documents--do not send originals.
Please remember to sign and date your letter, and send it to:
Board of Governors of the Federal Reserve System
Division of Consumer and Community Affairs
20th and C Streets, NW, Stop 801
Washington, DC 20551
For more information, please call [protected].
Back to top
What will the Federal Reserve do?
Consumer complaints filed against state member banks are investigated by one of the 12 regional Federal Reserve Banks, based upon the location of the bank involved in your complaint. If your complaint is received by the Board and involves a state member bank, Board staff will forward your complaint to the appropriate Reserve Bank for investigation.
The Reserve Bank may contact you to request additional information about your complaint. As the Reserve Bank investigates each issue raised in your letter, it will --
Ask the state member bank involved for information and records regarding your complaint
Determine if the bank's response addresses your concerns
Send you a letter about its findings
The Reserve Bank will let you know if it finds an error or a violation of a federal law or regulation. Investigations usually last 30 to 60 days. If more than 60 days have passed, the Reserve Bank will contact you to let you know the status of the investigation. Please note that it may take several months to resolve complaints alleging illegal credit discrimination.
Although the Federal Reserve looks into every complaint that involves the banks we regulate, we do not have the authority to resolve every type of problem. For example, we are unable to resolve contract disputes or undocumented factual disputes between a customer and a bank. In these cases, we suggest that you contact an attorney. Also, we cannot investigate matters that are the subject of a pending lawsuit.
Complaints about customer service or disagreements over specific bank policies and procedures--which are usually determined by the individual bank--are not addressed by federal law or regulation. However, if you file a complaint, a bank may voluntarily work with you to resolve the problem.
Board of Governors of the Federal Reserve System
Division of Consumer and Community Affairs
Mail Stop 801
20th and C Streets NW
Washington, DC 20551
[protected]
www.federalreserve.gov
Fair Credit and Charge Card Disclosure Act of 1988
Requires that applications for credit cards that are sent through the mail, solicited by telephone, or made available to the public (for example, at counters in retail stores or through catalogs) contain information about key terms of the account. Amended the Truth in Lending Act.
Fair Credit Billing Act (1974)
Specifies how creditors must respond to billing complaints from consumers; imposes requirements to ensure that creditors handle accounts fairly and promptly. Applies primarily to revolving and credit card accounts (for example, store card and bank card accounts). Amended the Truth in Lending Act.
Fair Credit Reporting Act (1970)
Protects consumers against inaccurate or misleading information in credit files maintained by credit reporting agencies; requires credit reporting agencies to allow credit applicants to correct erroneous reports.
Fair Debt Collection Practices Act (1977)
Prohibits abusive debt-collection practices. Applies to banks that function as debt collectors for other entities
Gramm-Leach-Bliley Act (1999)
Regulation P -- Privacy of Consumer Financial Information. Describes the conditions under which financial institutions may disclose nonpublic personal information about consumers to nonaffiliated third parties, provides a method for consumers to opt out of information sharing with nonaffiliated third parties, and requires financial institutions to notify consumers about their privacy policies and practices.
Regulation H -- Consumer Protection in Sales of Insurance. Describes conditions for retail sales, solicitations, advertising, or offers of insurance products or annuities by state member banks or by others at an office of a bank. Prohibits coercion and misrepresentations and requires disclosures in connection with the initial purchase of an insurance product or annuity.
Horizon Card Services
Hallmark Bank & Trust Ltd.
PO Box 104,
Tropicana Plaza, Leeward Highway
Providenciales
Turks & Caicos...
Turks & Caicos Islands Bar Association
Official name Turks & Caicos Islands Bar Association
Address P.O. Box 97, Wiggleswoth Building, Leeward Highway, Providenciales
City Cockburn Town
Country United Kingdom
Telephone +[protected]
Fax +[protected]
Horizon Gold Card info
Complaints Board | Horizon Gold Credit CardHallmark Bank NA Hallmark Trust Finance Hallmark Trust Finance Bank Hallmark Bank & Trust Ltd. is located in the Turks & Caicos Islands a British Overseas ...
Horizon Gold Credit Card — misrepresentation! - 45k -
Hallmark Bank & Trust Ltd. office hours are 8.30 am to 5.00 PM, EST, Monday to Friday.
Email: info@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]
Contact: Greg Hurd, Millicent Grant or Brian Trowbridge
mailing address:
Hallmark Bank & Trust Ltd.
PO Box 656, Tropicana Plaza
Providenciales
Turks & Caicos Islands
British West Indies
Hallmark Bank & Trust Ltd.
PO Box 104,
Tropicana Plaza, Leeward Highway
Providenciales
Turks & Caicos Islands, BWI
Brian Trowbridge
Swann Trowbridge McKnight
Attorneys at Law.
briantrowbridge@hbtl.tc
BT@swannlaw.tc>
btrowbridge@hallmarktrust.tc or [protected].
Phone: [protected]
Facsimile: [protected]
Email: horizon@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
http://www.bradynet.com/bbs/newdeals/105978-0.html
Hallmark Bank NA
Hallmark Trust Finance
Hallmark Trust Finance Bank
https://www.blogger.com/comment.g?blogID=6667610717823381629&postID=5549985064458382471
Email: info@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]
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 ###
decpitive business practices
Horizion deceives people by misleading them into thinking they are a unsecured credit card such as visa or mastercard. When you find out the truth about their rouse they refuse to issue a refund. They are total scam and should be punished by all legal means available!
I have done extensive research on the person of Fidelis Anosike, who have assumed onwership of Nigeria's oldest and largest newspaper conglomerate through some dubious means and discovered that he is of questionable character.
Aside from the various quote I shall sshortly provide on this person, I will also as a former editor with the paper confirmed his unsuitability to run such a media organisation, which he obtained by colluding with the late wife of the ex-president of Nigeria, Olusegun Obasanjo.
Today, the state of the newspaper house is worse than what it was prior to its privatisation. In fact, the paper is no longer on the news stand, while most of the choice assets of the company have been sold off by Anosike and the proceeds fritered away on useless lifestyle.
Both present and old staff of the company are being owed millions of naira in unpaid wages and gratuity without any hope of such money being recovered.
Anosike was quoted by some of his present staff as saying that "I didnot bought Daily Times to pay salary," which means he is in the company to loot its property estimated at over 5 billion naira.
This is one privatisation that should be revisited by the government to save the media company from extinction. The whole process leading to the change of onwership was fraut with fraud and this require an urgent investigation bby the current leadership of the country.
SOME QUOTE ON F. ANOSIKE
Wednesday, June 30, 2004
Nigerian Woman Loses Miss World Claim
Angela Onyeador had claimed that she had made a deal with a Miss World agent to put up $360,000 as a guarantee for the pageant's World gala fund-raising dinner at London's Grosvenor House Hotel in return for 60 percent of the profits. But Justice Robert Reid said Wednesday that Allianz Nigeria Ltd., the company with which Onyeador made the deal, was not an agent for Miss World. The company was run by Fidelis Anosike, "someone who might reasonably be described as a thoroughgoing con man," the judge said. The company has now gone out of business and Anosike could not be reached for comment.
Fraud at Daily Times: EFCC Petitioned
Written by Jonathan Elendu Wednesday, 01 March 2006
Daily Times of Nigeria Plc has petitioned the Economic and Financial Crimes Commission (EFCC) against Fidelis Anosike, the purported buyer of the media group. In a petition dated February 27, 2006, which Elendureports.com obtained, the Managing Director and Chief Executive Officer of Daily Times Nigeria Plc, Okey Igwe, alleged that Fidelis Anosike sold the company’s interests in the Nigerian Stock Exchange building for nine hundred million naira (N900,000,000.00) and did not render proper accounts. They also allege that Anosike sold a DTN Plc property in London.
Another very reliable source at DTN Plc told Elendureports.com that Anosike’s plans all along had been to sell off
the media group’s assets valued at over four billion naira. According to this source, Anosike did not have the
financial resources or the managerial acumen to revive the ailing media conglomerate. Hence, he pounced on some
choice properties of the company as soon as he assumed control.
By By Uche Nworah
The Daily Times Institute of Journalism located in Surulere area of Lagos used to be a standard bearer in journalism education in Nigeria but the institution has now fallen on hard times, especially because of the financial distress of the parent organisation (The Daily Times media group), which has since been privatised by the Nigerian government and sold to the Fidelis Anosike – led Folio Communications for 1 Billion naira ($650m) under mysterious circumstances.
The new owners (Folio Communications) have been accused of underhand asset stripping tactics, and is currently embroiled in legal mitigation with some of the organisation’s key stakeholders, most especially the employees union.
PEOPLE AND POLITICS
2002: As the year ends
By
Mohammed Haruna
Professor Jerry Gana, the minister of information has categorically denied that the Federal Government has spent one kobo for the event. But the verbal exchanges on newspaper pages between Miss Angela Onyeador, who was contracted by Allianz Nigeria Limited to organise the Miss World Royal Charity Gala in London, and Mr. Fidelis Anosike, the boss of Allianz, has given the lie to Gana’s denial. In his brave effort to shield the First Lady, Stella, from Onyeador’s allegations of breach of contract on the part of Miss World Organisation, Anosike seems to have inadvertently admitted that government did underwrite the costs of a pageant which was supposed to be a purely private affair.
First, Anosike admits in an interview with Thisday (December 8) that “FCT was doing a lot in terms of support”. That support is very unlikely to have been purely moral. Second, Anosike says Julia Morley, the boss of Miss World Organisation, has collected 2 million dollars from Nigeria. “Nobody has come and sat down and asked at what point does she return the money?”
To all parties:
Hallmark Bank & Trust Limited does not issue unsecured credit cards. Hallmark is located in the Caribbean and issues secured credit cards to bank clients only.
The company involved is located at www.horizonservices.com not www.horizoncard.tc.
Please direct all inquires and slanderous remarks to the correct company.
This response confirms that the Division of Enforcement of the United States Securities and Exchange Commission has received your complaint.
We are always interested in hearing from members of the public, and you may be assured that the matter you have raised is being given careful consideration in view of the Commission's overall enforcement responsibilities under the federal securities laws. It is, however, the Commission's policy to conduct its inquiries on a confidential basis. The Commission conducts its investigations in this manner to preserve the integrity of its investigative process as well as to protect persons against whom unfounded charges may be made or where the Commission determines that enforcement action is not necessary or appropriate. Subject to the provisions of the Freedom of Information Act, the existence or non-existence of an investigation as well as information which may be gathered thereunder is not disclosed unless made a matter of public record in proceedings brought before the Commission or in the courts.
Should you have any additional information or questions pertaining to this matter, please feel free to communicate directly with the undersigned at 450 Fifth Street, N.W., Washington, D.C. [protected] or via e-mail at enforcement@sec.gov. We appreciate your interest in the work of the Commission and its Division of Enforcement.
Proshare News and Analysis
CBN confirms Nigeria’s Foreign Reserve at $43.6bn
Posted Wednesday, July 18, 2007
Deputy Governor of the Central Bank of Nigeria in charge of Operations, Dr. Shamsudden Usman yesterday offered insights into the status of the nation’s foreign reserve, declaring before the Senate that $43.6 billion had accumulated in the reserve as at last Monday.
This represents a marginal increase of about $600 million over the previous month’s figure. He also disclosed at his screening by the Senate for a ministerial appointment that N123 billion deposits belonging to private sector have been confirmed trapped in 14 banks after the market-induced banking consolidation exercise.
The funds are trapped in African Express Bank, AllStates Trust Bank, Assurance Bank of Nigeria, City Express Bank, Eagle Bank, Fortune International Bank, Gulf Bank, Hallmark Bank, Lead Bank, Liberty Bank, Metropolitan Bank, Societe Generale Bank, Trade Bank and Triumph Bank. Three of the existing banks namely United Bank for Africa Plc, Ecobank Nigeria Plc and Afribank of Nigeria Plc have however, taken over both the private sectors deposits and assets of Assurance Bank Plc, Lead Bank Plc, Trade Bank Plc, City Express Bank Plc and Metropolitan Bank Plc through the “Purchase and Assumption” strategy.
Responding to questions by Senators on the rationale for accumulation of foreign reserve at the expense of decaying infrastructure at home, Usman said “I am happy that the question has been asked because there is so much confusion about it and people say that we have $43 billion.
“In fact, as at yesterday (Monday), it was $43.6 billion in reserves and people think that the same amount of $43 billion is to be spent. Now, if you break down this $43 billion, about $31 billion or 71 per cent of this amount belongs to the Central Bank.
“So, we are like a Bureau De Change. The money was earned by the Federation; they brought the dollar to the Central Bank. We took the dollar and gave them naira and they have spent the money.” Usman told the Senate that all the three tiers of government had already shared $31 billion and spent it.
“All the three tiers of government have shared this $31 billion and spent it. So, it is like you go to a Bureau De Change; they give you naira; you go and spend it, then you come back and looking at the dollar that you gave to the man and say there is money there.
“So, $31.3 billion of this money is not available for spending. $2.3 billion out of that also belongs to the Federal Government. The only amount available in the Federation Account for distribution, which is the so-called Excess Crude, is about $9.9 billion and there are some transactions that are in the pipeline of about $1 billion.
“The net amount you are talking about is $8.8 billion. So, if there is any amount to be spent, that is the amount to be distributed. Now the question is that even if you translate that amount into naira, it comes to about N1.1 trillion.” Usman explained that spending this kind of money at such a short notice within the economy would create “a cloud or smoke of inflation.”
Company names used in WWW currency fraud
Company Names (975 names as of 4. December 2004)
Some of these names may very well belong to legitimate companies. If so, the company name and associated data/document(s) are fraudulently used by scamsters/gangsters.
HALLMARK BANK PLC
Hallmark Security Limited
Hallmark Trust Bank Plc.
---------- Editorial Comment ---------
As this is one of Altnews' most popular pages with more than 40,000 reads, we thought you might like some relevant links to explore this issue further. Please share your experiences by posting your comments below (this story):
YOU WON THE LOTTERY SCAM
------------------------------
Hoax-slayer.com: http://www.hoax-slayer.com/email-lottery-scams.html
Snopes.com, Rumor has it: http://www.snopes.com/crime/fraud/lottery.asp
TruthorFiction.com, Netherlands Sweepstakes Scam: http://www.truthorfiction.com/rumors/d/dutchlottery.htm
"Dutch", "Belgian", "British", and "Swiss" Lottery Scam: http://w3.rz-berlin.mpg.de/~wm/wm-lotto.html
Fraud at Daily Times: EFCC Petitioned
Contributed by Jonathan Elendu
Wednesday, 01 March 2006
Last Updated Wednesday, 01 March 2006
Daily Times of Nigeria Plc has petitioned the Economic and Financial Crimes Commission (EFCC) against Fidelis
Anosike, the purported buyer of the media group. In a petition dated February 27, 2006, which Elendureports.com
obtained, the Managing Director and Chief Executive Officer of Daily Times Nigeria Plc, Okey Igwe, alleged that Fidelis
Anosike sold the company’s interests in the Nigerian Stock Exchange building for nine hundred million naira
(N900,000,000.00) and did not render proper accounts. They also allege that Anosike sold a DTN Plc property in London.
Okey Igwe, in the petition on behalf of DTN Plc, which is addressed to Nuhu Ribadu, Chairman of EFCC, claimed that
five hundred million (N500,000,000.00) from the nine hundred million naira was paid into the DTN Plc accounts with
Hallmark Bank Plc. Another two hundred and twenty million naira (N220,000,000.00) was paid into an account at the
Equitorial Trust Bank. The remaining one hundred and eighty million naira (N180,000,000.00) is yet to be accounted for
by Anosike.
The two hundred and twenty million naira (N220,000,000.00) lodged at Equitorial Trust Bank was fraudulently withdrawn
by Anosike according to the petition to the EFCC. Anosike is alleged to have colluded with some unnamed officers of the
bank in perpetrating this fraud.
Fidelis Anosike is the Managing Director of Folio Communications Ltd, the company which bought DTN Plc for one
billion, two hundred and fifty million naira during the privatization of the media conglomerate by the Bureau of Public
Enterprises (BPE). Sources very close to the process leading to the purchase of DTN Plc told Elendureports.com that
Fidelis Anosike and Folio Communications Ltd funded the purchase of DTN Plc through investments by an Ibo billionaire,
Ben Okoye, and Hallmark Bank Plc. The bank is said to have made available the sum of seven hundred and fifty million
naira (N750,000,000.00) while Ben Okoye invested five hundred million naira (N500,000,000.00). The seven hundred
and fifty million naira is a loan from Hallmark Bank which Folio Communications Ltd and Anosike were unable to repay at
the agreed time.
Shortly after the deal, Okoye is said to have told friends that he regretted the deal with Anosike and wanted out. He is
said to have sold his shares in DTN Plc to a group of lawyers for four hundred and fifty million naira, incurring a loss of
fifty million naira. With sustained pressure from the lawyers who purportedly bought Okoye’s shares, Anosike is
said to have signed over to them some DTN Plc properties valued at over seven hundred million naira. However,
Elendureports.com was reliably informed that Ben Okoye used the lawyers as a front to recoup his investments in DTN
Plc and made a profit on the deal.
Anosike had also entered into several agreements with Hallmark Bank Plc that would have led to the settlement of the
loans. According to our sources, Anosike reneged on all the agreements. This led to Folio Communications Ltd going into
receivership. However, after the last agreement with Hallmark Bank Plc, Anosike is alleged to have played smart by
announcing that he had repaid the loans to the bank and thanked some prominent Nigerians for helping resolve the issue
with the bank. He also announced his plans to revamp the media conglomerate. According to a source that was privy to
all the transactions, “Anosike’s announcement was not worth the paper it was written on. The man was just
blowing smoke and unfortunately some people fell for it.”
Another very reliable source at DTN Plc told Elendureports.com that Anosike’s plans all along had been to sell off
the media group’s assets valued at over four billion naira. According to this source, Anosike did not have the
financial resources or the managerial acumen to revive the ailing media conglomerate. Hence, he pounced on some
choice properties of the company as soon as he assumed control.
The sale of DTN Plc’s interest in the building by Fidelis Anosike was challenged in a Federal High Court in Lagos
by Anthony Idigbe, SAN, the Receiver/Manager of Folio Communications Ltd. Following the lawsuit, some bank accounts
belonging to DTN Plc were frozen. Citing some sections of the law, Okey Igwe, the Managing Director of DTN Plc
asserted that Fidelis Anosike lost all rights as a director of Folio Communications Ltd to the Receiver/Manager. The
implication is that Anosike acted without authority when he sold DTN Plc’s interests in the Stock Exchange
building. Igwe also stated that by virtue of applicable laws, assets of DTN Plc could not be used to settle debts owed by
Folio Communications Ltd.
The petitioner also asked the EFCC to investigate the sale of a property belonging to Daily Times in London by Fidelis
Anosike. According to Igwe, Anosike is yet to account for the London property. Elendureports.com was informed by a
Elendu Reports
http://elendureports.com Powered by Joomla! Generated: 25 July, 2007, 11:21
source that the London property of DTN Plc was sold by Anosike for three hundred and fifty thousand pounds
(¤350,000.00). The buyer of the property is said to have paid fifty percent of the purchase sum to Anosike. Ben Okoye,
according to our sources, discouraged the lady who bought the property from making further payments to Anosike.
Elendureports.com was reliably informed that DTN Plc had on two previous occasions written petitions to the EFCC
against Fidelis Anosike. The EFCC did not respond or act on the petitions. This attitude by the EFCC created the
impression in the minds of people at DTN Plc and Hallmark Bank that Fidelis Anosike has very powerful people behind
him. Anosike is said to have exploited this situation to his advantage.
Okey Igwe, Fidelis Anosike and Anthony Idigbe were not available for comments as at the time of going to press.
Email: jonathan@elendureports.com
Elendu Reports
http://elendureports.com Powered by Joomla! Generated: 25 July, 2007, 11:21
Dear Sir
We are attorneys for Hallmark Bank & Trust
Please be advised that unless you remove your defamatory remarks form the Web
We will commence legal action against you.
We have reported this matter as well to Yahoo and the FBI.
Yours truly
Brian Trowbridge
Swann Trowbridge McKnight
Attorneys at Law.
I looked up this so called Horizon Gold Card Company. It took an hour of research. They cant be touched since they are not on us soil.
Hallmark Bank & Trust Ltd.
PO Box 104,
Tropicana Plaza, Leeward Highway
Providenciales
Turks & Caicos Islands, BWI
Phone: [protected]
Facsimile: [protected]
Email: horizon@lochaven.tc
Hour online of digging up the real company. Listed below are the scam artists.
Overview of Horizon Gold / Horizon Card Services complaint handling
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Horizon Gold / Horizon Card Services Contacts
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Horizon Gold / Horizon Card Services phone numbers+1 (800) 251-6144+1 (800) 251-6144Click up if you have successfully reached Horizon Gold / Horizon Card Services by calling +1 (800) 251-6144 phone number 0 0 users reported that they have successfully reached Horizon Gold / Horizon Card Services by calling +1 (800) 251-6144 phone number Click down if you have unsuccessfully reached Horizon Gold / Horizon Card Services by calling +1 (800) 251-6144 phone number 0 0 users reported that they have UNsuccessfully reached Horizon Gold / Horizon Card Services by calling +1 (800) 251-6144 phone number
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Horizon Gold / Horizon Card Services emailsmemberservices@horizoncardservices.com100%Confidence score: 100%Support
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Horizon Gold / Horizon Card Services addressP.O. Box 1275, Indiana, Pennsylvania, 15701, United States
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Horizon Gold / Horizon Card Services social media
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Checked and verified by Laura This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJun 30, 2025 - View all Horizon Gold / Horizon Card Services contacts
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companys that cheat americans should be shut down or blown up if it was an honest company it would send CREDIT CARD not scam the american public