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I signed up for credit card help and they promised that if I signed up they would settle my debt for half or less. All they have done so far is take fees from the money I sent them. They have failed to keep up there end of the bargain. They have not contacted any of my creditors to negotiate any plan or to say that I am part of a debt settlement program. I sent emails and left messages for my contact and no one will call or email me back. I went online to look for this company and see if there were any complaints about them and low and behold I am not the only one in the same situation. GCS told me to send money and when they had enough they would call my creditors. My creditors told me they need to hear from GCS now or I face serious problems and GCS has failed to do so.
I have been enrolled w/J. Hass since October 2008. I was inferred to not make any more payments so that the cc would start negotiating. In the meantime, I have been sued 3 times out of my five accounts. It hasn't even been a year yet. I kept up with all my papers and summons and faxed them to J. Hass. The final summons wants to settle at 80%. This is not 80% of the intial balance I hired this company to negotiate, it's of the new bal w/ fees and interest. So, it is still costing me hundreds more. Not to mention the reg. fees for being a client. However, they have always been good about returning my calls. I can also always get someone to speak with whenever I call. So, I am still undecided. I just know I'm not happy paying for something I was promised and still paying...
I recently completed a program with PDL, and it does take considerable time. What has been posted is true: you have to accumulate enough funds in your account before they will start negotiating with your creditors. They want to wait long enough so that your original creditor will sell your debt to a collection agency, then they have bargaining power and can settle your debt for less money. It's up to YOU to ask alot of questions, which I had to do in order to understand the process because they are not that forthcoming with voluntary information about how they administer their programs. I made many calls and asked many questions so that I would have a thorough understanding. They were always helpful when I asked the right questions. As far as GCS, they are only the bank that holds your funds. It's true they take their fees for processing your money each month as well as the credit consolidation company, but what bank doesn't. I had money left over in my account with GCS and asked them to close my account and refund the remaining balance. The only bad thing is it takes them 10 days to process and they are supposed to be mailing me a check. I hope this is true.
NOW LETS GET THIS RIGHT... NOW YOUR TELLING ME THAT ALL THESE PEOPLE THAT ARE MAKEING THESE COMPLAINTS ARE LIEING?
BECAUSE YOU OR THEM WRIGHT SOMETHING DOWN ON A PACE OF PAPER?
AND FURTHER MORE THE B.B.B. GUESS WHAT? THATS A COMPANY TOO. YOU DONT THINK THEY CAN GET PAYED OFF TOO? JUST LIKE THAT [redacted] COMPANY... THESE COMPANYS GET LAW SUITS ALL THE TIME. JUST REGULAR PEOPLE DONT GET TO HEAR ABOUT IT!
ALL THAT HAPPENS IS THEY HAVE THE MONEY TO PAY IT OFF. AND IF IT GETS TO BAD FOR THE COMPANY THEY GET TO CHANGE THERE NAME AND YOU AND I WILL NEVER KNOW THE DIFFERANTS>> THATS SOMETHING HUH JUST THAT EZ. BUT CANT BLAME ANYBODY RIGHT? ITS A BUSSNESS DECISION
DONT COMPLAIN THOUGH! MAKE YOUR OWN BUSSNESS DECISION AND JUST DONT PAY YOUR CREDIT CARDS AND SEE HOW SCARED THEY GET... TRUST ME THERE MORE SCARED OF YOU MORE THEN YOU ARE OF THEM! ITS FUNNY. THERE IS IN EVERY STATE AN STATUE OF LIMITATION! WHICH MEAN YOUR PROTECTED. 10 YEARS IS THE MOST AND THATS IN ROAD ISLAND. AND THE LEAST IS 3 YEARS. SO CHECK YOURS OUT? AND DONT STRESS BECAUSE BELEVE IT OR NOT THERE NOT!
HYYJYUY
Hello everyone. I'm very sorry to hear all of your complants towards a company that has nothing to do with your issues. The settlement company OR yourselves are the ones to be blamed. Either the agent at the company didn't fully explain how thje program and process are going to go in detail or you didn't read your own paperwork...which I wouldn't understand at all. If you have any questions or concerns with your current company and need someone to properly explain and truely hHELP you with what ever your situation is then please call me. Mike @ First Rate Debt Solutions. Another thing if this bank is such a bad company and so forth then my company wouldn't have a A- with the BBB...just FYI
I just completed the program with Freedom Debt Relief. It took me 2 1/2 years. Global CLient Solutions and Freedom Debt Relief have always answered my calls without any problems. There were times that they were not as helpful as they could be...Freedom Debt Relief that is...but Global CLient Solutions never caused any problems, they were always helpful the 2 or 3 times I called them about pending transactions. I have a feeling that the problems here on this board lie with the companies that people selected to settle their debts. Freedom Debt Relief is one of maybe 3 that is legit and rated by the BBB. I did research before I selected them, and even then I got lucky to pick the most reputable on. They are not perfect, but they are definately not a scam, as they did everything they told me they were going to do.
Bubblegum is right, the original complaint is all wrong. I am in debt settlement, and very happy with it.My first CC was settled after 9 months, although it was a smaller one, they settled for the amount that was available in my account. Global client solutions is only the bank that holds your money you are saving for fees and settlements. You are shooting the messenger if you are complaining about them! I signed up with Consumer Debt Counselor Group, [protected], speak to Karen, she will tell you all the pros and cons. I still call her when I have a question) who enrolled me in to the program that is handled by the J Hass Group. they are very informative, gave me all the negatives up front, aand told me it would be a rocky road in the beginning. J Hass sends me newsletters, calls me and I generally have no problems with them. I researched them before I signed up, and most of the complaints are people who do not understand the process. Sometimes I can't talk to someone right away, but they have 30, 000 customers! They settle your debt when you have enough money in your account, and of course they take fees, who works for free? But you still end up saving 50% off of what you originally owed, not to mention all that interest that would be piling up every month! They are helping a lot of people, I referred 3 people already and they are happy also. By the way, the credit card companies lie, telling you they do not deal with DS co's, and saying they never heard from them! that is their job, to get 50 bucks out of you on the phone if they can! PS I am in a 4 yr program, and the first year took a huge load off my mindcutting my original payments from about 1200.00 a month down to about 430.00 . The J Hass Group is great!
HELLO, YOU GUYS WERE NOT MISGUIDED MAN I HAD A GOOD AGENT THAT EXPLAINED IT IN GREAT DETAIL TO ME... OH I FEEL SO SAD YOU THINK THEY WERE SCAMS IF I CAN EXPLAIN IN DETAIL FOR YOU...
HOW IT WORKS IS YOU PAY A MONTHLY PAYMENT WHICH GOES IN TO THE SECURED ACCOUNT THEY DONT CONTACT YOUR CREDITORS BECAUSE WHAT IF THEY WANT TO SETTLE FOR HALF RIGHT THEM AND THERE YOU DONT HAVE ENOUGH MONEY IN YOUR ACCOUNT TO PAY THEM OFF... SO WANTS YOUR SECURED BANK ACCOUNT ACCUMLATES FUNDS YOUR CREDITOR WILL BE CONTACTED THEN THE MONEY WILL BE TAKEN OUT OF YOU SECURED ACCOUNT. YOU SHOULD SEE AN ACCOUNT STATRT TO SETTLE ANY WHERE FROM THE 6-9 MONTH OF BEING IN THE PROGRAM...
I HOPED THAT HELPED! SO RRY YOU GUYS WERE MISS GUIDED.. I WORK FOR A DEBT CO. THAT IS HOW COME I KNOW. GOOD LUCK WITH EVERYTHING :)
My husband and I signed up with Freedom debt relief back in October 2008, it really sucks needless to say we got swindled out of exactly $9, 130 . We still receive phone calls every day from our creditors and they say they have never got a phone call or mail or anything from this company. After all of these months we started checking out stuff on our own and found out from a Lawyer that this is all a big scam .So know what do we do, They tell us to contact the Federal trade commition and the Better Bussiness Burea and file a complaint, So we have, now we want all of money back now. We went on global Client Solutions website and got on our account and started looking at it and was copying everything we could and then all of a sudden the website starting blocking us us .It was saying the company was blocking us from our account information. So what does that tell us ? We did get at least part of the info we needed . Also earlier today we got a email from freedom debt relief saying they understand we wanted to close our account and they would send us a check within 21 days of the balance. It almost makes you want to cry . It says we have $444.84 left in our account, What happen to the other $8, 000 and something ? Please what ever you do dont go with any debt company we have learned a very valuble lesson you can do exactly what they do and its a heck alot cheaper . All you do is contact your own credit card companys and explain your situation and 90% of the time they will work with you. Save yourself alot of heartache do it yourself...K&C Hetrick
It just amazes me that people will sign on the dotted line without reading the contract and paperwork to find out exactly what in the hell they are getting into. I guess it makes sense though, about 1/2 of the people in this type of trouble got there from being irresponsible. They believe that Debt Settlement is this fabulous magic pill and that once they hire a company their efforts stop. I bet they also believe in the tooth fairy.
Debt Settlement is like church. You are going to get out of it what you put into it. These companies are here to work for you. However they are not mind readers YOU have to participate in order for you to be successful. Iit is very naive to believe what your creditors are telling you. Credit Card companies are the guys that have changed the rules of the game on you. Did you agree when you got that credit card to pay 25% interest? They will do anything to get you to send them money. They have a call center full of people making minimum wage trying to make their quota for the day.
FYI: the negotiation process is done is a separate location than the collection department. When you talk to the customer service department of your credit card company they have no idea what communication is going on behind the scenes because the settlement company is negotiating bulk settlements with the settlement department. Come on guys use a little common sense here.
If you are having trouble with your settlement company then call them and go up the food chain. Get someone in upper management to give you an update. Reputable settlement companies will post all of your account information on the internet. All you have to do is go online. The best ones will contact you at least once a month to give you information. This is a huge waste of time if you as the customer ignore the phone calls and never send in your statements or letter that you have received to keep the company YOU hired in the know. These type of programs do work for those who participate. It took you a while to get in this debt and it is going to take a while to get out of it. We as American have this I want it now mentality which does not work in this situation. Also you don't have to use companies that put your funds in trust. There are settlement companies out there that allow YOU to save and keep up with your own funds. The main problem there is that most of us would rather go shopping than save so when the offers come in the funds that we are supposed to have saved we blew at the mall! Guys we have to make a change here! Good luck!
look apryl! Dont try that now! its just a "misunderstanding" that all these people have the same problem, with the same company?... ok! you must work for somebody! and further more there must be a problem with this fredom debt relief company... i dont care. if its more than two people that have a problem like this, its not a "misunderstanding", people! There not working at mcdonald's and they got your order wrong, this is your life and well being people! so im sorry. fyi im only 20 years old. you can write me @ brice.williams@yahoo.com. And i thank you all for helping me here today! just got off the phone with tony from (freedom debt relief) and let him know what going on! said hell no...
Global Client Solutions is only the payment processing center - don't give them the bad rap! If you are having problems, it's because of the debt settlement company you are using, and it may just be a misunderstanding about what they are doing and why. As far as holding funds you submit, this is necessary. Read your contract agreement carefully and see what is spelled out. Usually, funds are held for 3 months or more so that there is more leverage when negotiating with creditors.
I agree with all these people I too was taken for 2, 020 by the contract Freedom Debt relief Stored -Value Deposit money with Rocky mt but Global Client Solutions . I have a letter from Freedom DR tell me acct. number write Global Client and Rocky will sendme my money. But the mail get returned.
write me 8rosehips@gmail.com
I have the same issue, has anyone filled a law suit against global client solutions? Please let me know ASAP!
Thank you, angelware87@yahoo.com
Get your money out of the bank first immediately then file charges against your debt company using the money they hoarded from us.
Thank you to all that have posted here, I knew there was a scheister scheme going on. I too have been debited $638.00 every month for a year and Apex is the agent supposed to be paying my creditors. I have enough to pay off 2 creditors out of the 4 and none have been paid yet Apex out of California keeps taking $187.00every month out of my deposits to Rocky Mountain/ Global Client Solustions and they are getting $8.75 per month for themselves. I have called for a month now and told them to pay off 2 of my creditors and they say the creditors are not responding to them. What a crock! I bet if I called they would answer. They are stalling to get more money, mo' money! Multiply all these posts here by the fees, nice chunk of change. I received notice last week that one of my creditors is filing a judgement against me to garnish my wages, so I had to seek legal council and they advised me to cancel all banking with this Apex and Rocky Mountain bank immediately. The almost $200.00 they took from me for 12 months = almost $2400.00 that could have paid another bill. I say, class action lawsuit is in order here. File a complaint with your local state Attny's office and post everywhere to warn others. Like the previous posts, Rocky Mountain is the middle man, go after the scheister's that initiated this mess, then sue the accessory to the crime storing our money like chipmunks with acorns.
I too have been "taken" by GCS and their partners in crime, Angel credit solutions. We have paid them $1600 & not 0ne of my creditors were ever notified.They take pymnts.every month for "service fees" but no service..STAY AWAY!
Global Client Solutions isn't a debt settlement company. It's a payment processing company. You need to contact your debt settlement company. If you can't contact your debt settlement company, then you need to drop that company and find a legit debt settlement company. As in any industry, there are bad actors. You can buy a car from a shady car dealer. You can hire a shady contractor and have poor construction. Welcome to the world.
I too, have had an account with Global Client Solutions through a company called CY Debt. It seems odd that all these seedy Credit Relief companies all seem to use GCS and Rocky Mountain Bank.
A year ago I inherited some money and was relieved to finally have a chance to settle my debt. I was told that it would be fast now that I had some funds. They settled two accounts in the first 2 months and then settled no more. I did not hear from them, e-mails went unanswered.
I finally contacted Global Client Solutions only to discover that there was a considerable amount of money in my account (thousands) but no more settlements.
This was right after Christmas 2oo8, I had signed up with CY Debt that March...9 months had passed and no settlements! And the Money was there and they were taking their fee every month.
Finally, I decided to close my account with Global Client Solutions.
They were cooperative and efficient. I would try to contact Melissa Taber through e-mail, if I were you. And you must be vigilant and be prepared to write every day if need be.
I am, of course, entirely disgusted with the Debt Relief Industry, I believe they are by and large Hucksters making money off of people weighed down by debt and in great need of help. And why Global Client Solutions seems to be involved as a sort of holding place for these accounts for so many different companies...well, that bewilders me.
And I remain in Debt. Jean
My name is Jeannie Pasley.I to have an account with GCS and tried to get in touch with them by phone and by e-mail .They started taking money out in Oct. 250 a month thats 1250 thats enough to pay off one card. Please someone her me and e-mail me back Pasley4boys@aol.com Thank you .God Bless .Jeannie Pasley. They told me as soon as there was money in there they would pay one at a time.
PS. Mark Ruff from freedom dedt relief said this would be settled in about 13 months. I just want to know what is going on.
Global Client Solutions is a processing Company and it is not them who should be complained about. If your whopper is bad do you complain to the trucking company who delivers the supplies to Burger King? This is a Debt settlement company problem and thus GCS should not be slammed for a situation between you and them. Also, the original post makes GCS out to be THE debt settlement company, they are not. GCS just processes the payments, the debt settlement company and you the consumer have a contract and that is what needs to be addressed. This complaint is not valid or credible.
I know exactly what you mean. they are not my debt consolidation company, but they are the companywho are used for the money.
they do not respond to calls, and when you are lucky enough to get someone on the phone, they don't help much. My debt consolidation company, J Hass Group sucks so bad, that I have tried calling Global myself. what a joke! i am going to go on every available site and spread the news that these people are not doing their jobs!