MDG Canada has definitely landed on my list of companies never to recommend to anyone. MDG Canada is very unprofessional and I wouldn't be surprised if they are actually ripping people off due to incorrect calculations by their billing system.
I had issues with MDG from the start, but today I received an email notifying me that my monthly statement is ready. So I go and check and after carefully examining the online billing statement I realize that the values are not totaling correctly. They show your 'Previous Principal Balance', subtract your payments, add interest and admin fees, then show your 'New Principal Balance'. The problem is that the New Principal Balance is showing the same as the Previous Principal Balance. Now the only way that could occur is if the credits are equal to the charges, but the credits are greater than the charges, therefor the new principal balance should be less than the previous principal balance.
They tried to explain to me that the numbers do not add up because the interest is charged on the same day as my billing statement. They said that depending on the day when your bill is generated that the number will or will not total properly. They confirmed with me that there a group of people where the statement add up properly and another group of people that are getting incorrect totals on the statements. If that's not unprofessional I don't know what is.
The statements are generated using Crystal Reports so I'm assuming it may just be poor programming and incorrect logic in their calculations. But if they can overlook the billing statement calculations that they send out to ALL of their customers, what other system calculations are being miscalculated? Maybe the interest calculations are stealing pennies at a time from everyone over time?
They also show a current balance value which seems to be the correct value, but shouldn't the current balance equal the new principal balance? Anyhow so speaking with representatives at MDG went nowhere as I had anticipated. I was hung up on by the first girl I was talking with when she was supposedly was getting a supervisor, then also hung up on by the second girl when she told me the supervisor had apparently left the building since it was after hours. Now I'm not sure if any of you have worked at call centers before, but I know that there is ALWAYS a supervisor somewhere during call center operations, although they typically do not like to take supervisor calls.
So then I decided to let people know of my horrible experience with MDG. If I don't advise people of my experience with them, how will anyone else know ahead of time? So I made a post on their Facebook page, which was very quickly removed and my facebook account was blocked from making any more posts.
Anyhow MDG Canada is an unprofessional company with unprofessional staff and inexperienced developers. I would never recommend MDG to anyone, they don't deserve to be in business.