Loans / Knowingly giving Bad loans to bad business partner
Around 2004, I received an e-mail from this company stating that they could help me start a legitimate internet business with a lot of income potential. From the moment that I called, up to the point that I gave them $500, (never recall a written signed contract ever) I had no problems communicating with them during that time. I realized that something was wrong when I tried to communicate with them in the 72 hours after which when they (marketing company) said I couldn't cancel their claimed contract. Furthermore, during their 72 hours, I felt that I had made a mistake at that point and wanted to get a refund and forget the whole thing. I recall sending them several e-mails and calls trying to get out of the situation, but no one called or e-mailed me back.
I them received a call from a “trainer” about a week later, who stated he would help train me on how to make a website. I explained their sales person clearly stated that they would create a website/web business site for me for the (at that time) $2500 price tag and was not interested. I clearly knew at that point this was a web business scam to get me locked into a debt. What they proclaimed I would get was not even what we had spoke about. I never wanted nor desired web training, only a web business site that they would provide for me and I could use after they built it.
After that, I never heard from the marketing company, e-mail or even in writing. I basically got NO access to more than 3500 products, no link request form, no link directory template, no web ring traffic swarm and NO WEBSITE that has yet to make money in the last 6-7 years. What I got is a $3500 debt placed on my credit report for the last several years from Highlands Credit Corporation. THAT IS A WHAT IS CALLED A DEBT SCAM.
I had requested back in 2008 was a detailed claim /explanation on this so I could turn it over to my attorney; I have yet to receive information in writing from Highlands Credit Corporation and they continue to place this on my credit report. I feel that Horizons Finance made bad loans for this company that is out of business because of it inappropriate business conduct and dealings. I would like to pursue legal action and get rid of this alleged debt once and for all. I will file a complaint with the Colorado division of consumer protection against Horizons Finance and Advanced Business Development in Livermore, CA (Precision Point Marketing was closed in UTAH).