Prosper Learning / fraudulent representation & product
I agreed to take the training from a fast-talking agent of Prosper Learning on the phone. Before I agreed to it I told him I could not afford it and it was too expensive for my tastes. But he assured me that it would be no problem for me to pay for it and I would likely have earned enough in the lst 8 weeks of training to do so.Based on his assurances I committed to it. After 8 weeks I hardly had a clue to how to do anything with it. He also told me that I had no obligation to pay anything up front at my election and so didn't.He also mentioned that financing was handled by HSBC bank - and he asked me if I knew who they were. I told him they were a major bank in England - without any further comment from him. On completion of the training I was ill-prepared to go into the internet business - and one day thought I would take a look at the company's reputation on Google. Much to my surprise the lst dozen or so websites described the scam that this company truly was.So, made a committment to myself that this company would never see a dime of my money. All the complaints mirrored my experience.
After 6 months had expired I began to receive billings from HSBC for payment. At first it was a business-type request - but later it became a crescendo of calls for money.After about a month I must have been placed on the finance company's rotator calling list because I received on average 7 calls per day - including Sundays.
This continued for 26 weeks. At the end of this period I moved and cancelled my house phone line and haven't heart any more since.
At my new address I have received one letter from a collection agency about how they are going to destroy my credit standing, etc and no further word since. I have not responded to a phone call or letter received in this regard and do not plan to do so. For the readers information - I noticed a pattern to the collection attempts by HSBC and it reminded me of a company from many years ago called Household Finance. I then looked up that name on Google under the website of HSBC - and there they were. I jogged my memory and then recalled that this company had appeared in a court case some 40 or 50 year ago and when the court learned what a dishonest and treacherous financial company this was they immmediately put them out of business on a national scale so that they could no longer gouge and threaten their debtors. Household Finance quickly disappeared from sight but within a short time
they reappeared and announced that they had merged with HSBC of England. HSBC had become the cover for Household Finance. This news was looked on very negatively by the finance and banking industries and indicated surprise that a major English bank would get involved with such hideous merger partners. And so it is today. If anyone would take the time and pay the expense they could likely put Household Finance out of business forever.
Needless to say I plan to pay nothing to these people. I do not trust them - I do not believe them - and I know they are living a lie.
As to my credit rating because of them - I do not care.
By the way I found enough evidence along the way to strongly believe that the man behind Prosper Learning is Robert G. Allen.
He is a national advertised salesman who, according to his ads, has done almost everything that is impossible in sales work with great success. After 40 years in sales and management I do not buy his BS.
I have learned about many of his type over my many years in sales and almost none of them could prove much of anything.
Thanks for taking the time to read my essay.
in business.It has been so ever since. Following thisannouncemenmany financial institutions in the USA expressed a very dim view of this arrangement and indicated surprise that a major English bank would get involved with such garbage. And so it stands today.
I am a retired mortgage banker with many years experience and have seen many dishonest finance companies but none as bad as this one. I received one collection letter from them wherein they would discount the balance 50% but I would have to agree to refrain from saying anything disparaging about them. I laughed all the way to the waste basket/
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