Tell us why heThis gentleman has clearly misstated the facts throughout his complaintHe claims that we were not a member of Revdex.comAs your records show we were an Accredited Member since He states that he did not know the cost of the program was $However, when his credit card was debited that amount in Feb 2016, he did not raise a concern until he lost his jobThat was months after had had started using the ADE process to eliminate more that $of his debtDuring this 7-month period he never paid his $monthly amount; yet he claims he was misledIf he lived in the US I could be suing him for theft of services The prorated refund policy was clearly stated and explained to him before he signed on to the ADE ProgramHe used the program for months, agrees that his debt was reduced by more than $6000, which is significantly more than his $cost, but still demands a refund; not going to happen!He claims that the ADE process did not work for him; he claims the educational books were never shipped to him, but they were actually shipped twice; he claims he was misled, but I showed him exactly how the program would work with his own numbers, not some hypothetical numbers, and he agrees in his complaint that the program did work exactly as I said it would, by eliminating a significant amount of debt; more than $in monthsI show people how the ADE Program will work with their own number and they decide whether it will benefit them or notI don’t sell the ADE Program; I educate people; then I let people make the final decision for themselvesThat’s why I had an A+ Revdex.com Rating for so many yearsDid I mention to him, the A+ Revdex.com rating more than once, yes I did, and I am very proud of that rating earned over many years of hard work on my partThis gentleman had his wages garnished, lost his job and is looking for me to help bail him outIt cost me money to run the fully automated ADE Program; I never, spoke with this gentleman for months after he started ADEHe admits that he never paid his agreed $monthly amount, but he claims he was misled by me! He obviously has major issues that are causing him to lash out at mere
Complaint: [redacted]
I am rejecting this response because:I don’t know if this IYD guy is a deliberate liar, a flimflam man, or just a master of fiction. He accuses me of “misstating the facts” and attempts to provide evidence. However, he contradicts himself, or “misstates the facts” himself, with each and every example, and by doing so he clearly demonstrates his lack of credibility and integrity. In this single response, he has fabricated eight, yes, EIGHT, “misstated facts” to convince you that I’m the bad guy here and he’s the poor victim. IYD misstated fact #1: in reference to Revdex.com membership, he claims that “your records show we were an Accredited Member since 2007”. However, the Revdex.com website still clearly states: “This Business Is Not Revdex.com Accredited Invest In Your Debt”! IYD misstated fact #2: I did NOT know the cost of the program was $1950US – until after I got IYD’s invoice! I would surely remember an amount like that! And I did communicate with him regarding this. After my shock, I also expressed my concern about even being able to find that kind of money – particularly since I was paying considerably more because of the Canadian exchange rate ($2801). That’s when he suggested I go to PayPal and use PayPal Credit. I should have said, “Just forget it”, but I desperately wanted help in getting out of debt, and since PayPal Credit sounded like an option I could probably live with, I agreed to pursue it. PayPal Credit, I found out, unfortunately does NOT exist outside the U.S., so all I could do was use my regular PayPal account to pay the full amount. If this sounds like an irrational decision on my part, wait; there’s more. There was another very compelling factor in my decision to shoulder the hit on this surprise program fee and to carry on. This guy was actively trying to recruit me, as well as others, to become part of IYD’s Affiliate Program and work as an “ADE Locator”. The compensations quoted were certainly quite attractive, and I saw this possibility as a lucrative opportunity to earn some good coin, working on the side and in tandem with the ADE process, to accelerate my debt reduction. It was my light at the end of the tunnel! But first, I needed to see how well this ADE Process worked for me before I tried to ‘sell’ anyone else on it. As you can see, there were two very good reasons why I very much wanted this to work despite the obstacles. Unfortunately, the entire ADE process proved to be an ineffective and superficial solution on the first reason, making the second a moot point. The light at the end of the tunnel turned out to be an oncoming train.IYD misstated fact #3: This fellow keeps insisting that his ADE process eliminated $6ooo of my debt, no matter how many times I point out the facts and how completely out-to-lunch he is! It’s a complete lie! It’s a delusional claim for him to make! I will try one more time to make it really simple to understand. If IYD had never entered the picture, the amount of my debt reduction for the period in question, because of all the payment plans and schedules I already had in place, and any additional payments I made, was $5760. Keep in mind that’s WITHOUT IYD. So, if the total debt eliminated WITH IYD’s involvement was $6000 (as IYD claims), and I was personally responsible for reducing that debt by $5760, that means IYD reduced my debt by ($6000 - $5760) exactly $240. That’s it! Talk about ‘mucho cojones’ to try and take sole credit for $5760 of debt reduction that he absolutely had NOTHING to do with! Nothing! Nada! Oh yeah, the upfront program fee. Let’s see, $240 - $2801= $-2561; that’s MINUS $2561. IYD pushed me $2561 farther into debt – farther into debt before we even started (and this is supposed to be a debt reduction company)! Which brings me to…IYD misstated fact #4: I “never paid (my) $39 monthly payment amount”. My PayPal account shows a $39US payment was made on April 28, 2016, so this claim isn’t completely accurate, either, but closer than any of the others. The only other invoice I saw was for June 2016. By the way, as I already explained once before, making the monthly payments wouldn’t have been an issue - if I wouldn’t have been clipped for the exorbitant program fee upfront! He got $1950US of my money upfront and he’s whining about $39 monthly fees which, thanks to him, I could no longer afford?IYD misstated fact #5: The “prorated refund policy” was never stated or explained to me as he claims, ever, period! How could it have been, when the gentleman himself obviously didn’t have a clue about it? On December 01, 2016, he emailed me to say “The refund policy you referenced pertains to products purchased from our website; books, etc. ADE is a separate service and sold by appointment only. It is not sold off our website, and is only subject to the government mandated 3-day recession policy.” But the refund policy was quite clearly spelled out on the IYD website, and it included the ADE program. Unfortunately, the chap either wasn’t aware that the refund policy was there, he never read it, he read it and just couldn’t comprehend it, or it’s just there to be used only as another selling tool. A prorated refund, which he now cites, is all I ask for, but based on the factual and real numbers, not on IYD’s ‘smoke and mirrors’ fictional and wishful imagining’s. IYD misstated fact #6: In the Revdex.com response, he writes: “he claims the educational books were never shipped to him, but they were actually shipped twice” (wonder where they shipped them to, because I have yet to see any of the hard copy materials or any of the digital materials – and I did not have any address changes). Yet, in the December 01 email referenced above, he states, “The reason you did not receive your full allotment of the educational material was your failure to pay the monthly fee after the first month”. Oddly enough, this explanation never came up on the couple of occasions when I questioned [redacted] (Operations Manager) where my educational materials were. I was just told that I should have received them and that she would look into it, and I wouldn’t hear anymore. BTW, the educational materials were supposed to be shipped and emailed upon my enrollment.IYD misstated fact #7: “I educate people”. (See IYD ‘misstated fact #8’ for more on his education claim). What he really did was gave me false hope and mislead me; he didn’t “educate” me on anything, unless he considers his sales pitch (he’s pretty smooth, but it was still just a sales pitch) an “education” (maybe I should have read the educational materials twice – since he shipped them to me “twice”). Instead of pulling me out of the water when I was drowning in debt, he pushed my head under and held it there. IYD misstated fact #8: “I never spoke with this gentleman for 8 months after he started ADE”. In fact, I called him in early Spring (2016) when it appeared that there was a possibility of my wages being garnisheed by Canada Revenue. I wanted his help and some solid advice and guidance; I wanted to, at least, be “educated”. He had nothing to offer – very surprising for someone in the debt reduction business who “educates” his clients. I, unbelievably, came away with nothing. It was sink or swim, on my own!It would appear all he really did was take a whole pile of my money, sit there, and make a small monthly payment on my behalf. Like a simple book keeping service. I sure didn’t need him for that! So absolutely the process didn’t work for me. And if I wouldn’t have been hit with that surprise upfront program fee as well, which pretty much sank me, (why upfront, for someone badly in debt; that’s just counter-productive and stupid!), I wouldn’t have had my wages garnisheed, and I wouldn’t have lost my job. I think I explained that clearly in my Revdex.com complaint.So, do I have issues? Yeah, you bet I do! Just look above: eight (8) “misstatements” and/or contradictions! Does this reflect a business or a person with integrity that you would want to put your faith and trust – and your money – into? He is in a professional position of trust, but he has breached that trust with his conduct and deceitfulness. I also find it very curious that he keeps pounding his chest and boasting about the A+ Revdex.com rating (when he’s not even an accredited member) as much as he does, considering his questionable conduct and tactics. It seems very suspicious to me; it’s a red flag.He claims it costs him money to run the fully automated ADE program. Well, it costs me money to try and keep my family and myself from starving and from losing the roof over our heads, and when my money winds up “running” his ADE program but not delivering on the promise to keep me from financially drowning, not even providing me with any useful advice or “education” (oral or written), darn right I have an issue! I think this is just preying on the unfortunate and not about genuinely trying to help anybody. I think what IYD does is misleading, manipulative, and morally wrong, and they should be held accountable. I think the business should be investigated for fraud, and I think the responsible government bodies should do their jobs and shut this guy and his company down. I just wish I had known the truth about IYD and this person before I got involved with him. I’d have saved myself almost three grand (and a lot of grief). That would have more than saved me from having my wages garnisheed by Canada Revenue, and consequently I would still have my job today. And we wouldn’t be having this regrettable exchange today.Under the circumstances, I see no reason why I shouldn't be entitled to a prorated refund of $1587US, as I initially requested.
Regards,
[redacted]
Tell us why heThis gentleman has clearly misstated the facts throughout his complaint. He claims that we were not a member of Revdex.com. As your records show we were an Accredited Member since 2007. He states that he did not know the cost of the program was $1950. However, when his credit card was debited...
that amount in Feb 2016, he did not raise a concern until he lost his job. That was 7 months after had had started using the ADE process to eliminate more that $6000 of his debt. During this 7-month period he never paid his $39 monthly amount; yet he claims he was misled. If he lived in the US I could be suing him for theft of services. The prorated refund policy was clearly stated and explained to him before he signed on to the ADE Program. He used the program for 7 months, agrees that his debt was reduced by more than $6000, which is significantly more than his $1950 cost, but still demands a refund; not going to happen!He claims that the ADE process did not work for him; he claims the educational books were never shipped to him, but they were actually shipped twice; he claims he was misled, but I showed him exactly how the program would work with his own numbers, not some hypothetical numbers, and he agrees in his complaint that the program did work exactly as I said it would, by eliminating a significant amount of debt; more than $6000 in 7 months. I show people how the ADE Program will work with their own number and they decide whether it will benefit them or not. I don’t sell the ADE Program; I educate people; then I let people make the final decision for themselves. That’s why I had an A+ Revdex.com Rating for so many years. Did I mention to him, the A+ Revdex.com rating more than once, yes I did, and I am very proud of that rating earned over many years of hard work on my part. This gentleman had his wages garnished, lost his job and is looking for me to help bail him out. It cost me money to run the fully automated ADE Program; I never, spoke with this gentleman for 8 months after he started ADE. He admits that he never paid his agreed $39 monthly amount, but he claims he was misled by me! He obviously has major issues that are causing him to lash out at me. re...
Tell us why heThis gentleman has clearly misstated the facts throughout his complaintHe claims that we were not a member of Revdex.comAs your records show we were an Accredited Member since He states that he did not know the cost of the program was $However, when his credit card was debited that amount in Feb 2016, he did not raise a concern until he lost his jobThat was months after had had started using the ADE process to eliminate more that $of his debtDuring this 7-month period he never paid his $monthly amount; yet he claims he was misledIf he lived in the US I could be suing him for theft of services The prorated refund policy was clearly stated and explained to him before he signed on to the ADE ProgramHe used the program for months, agrees that his debt was reduced by more than $6000, which is significantly more than his $cost, but still demands a refund; not going to happen!He claims that the ADE process did not work for him; he claims the educational books were never shipped to him, but they were actually shipped twice; he claims he was misled, but I showed him exactly how the program would work with his own numbers, not some hypothetical numbers, and he agrees in his complaint that the program did work exactly as I said it would, by eliminating a significant amount of debt; more than $in monthsI show people how the ADE Program will work with their own number and they decide whether it will benefit them or notI don’t sell the ADE Program; I educate people; then I let people make the final decision for themselvesThat’s why I had an A+ Revdex.com Rating for so many yearsDid I mention to him, the A+ Revdex.com rating more than once, yes I did, and I am very proud of that rating earned over many years of hard work on my partThis gentleman had his wages garnished, lost his job and is looking for me to help bail him outIt cost me money to run the fully automated ADE Program; I never, spoke with this gentleman for months after he started ADEHe admits that he never paid his agreed $monthly amount, but he claims he was misled by me! He obviously has major issues that are causing him to lash out at mere
Complaint: [redacted]
I am rejecting this response because:I don’t know if this IYD guy is a deliberate liar, a flimflam man, or just a master of fiction. He accuses me of “misstating the facts” and attempts to provide evidence. However, he contradicts himself, or “misstates the facts” himself, with each and every example, and by doing so he clearly demonstrates his lack of credibility and integrity. In this single response, he has fabricated eight, yes, EIGHT, “misstated facts” to convince you that I’m the bad guy here and he’s the poor victim. IYD misstated fact #1: in reference to Revdex.com membership, he claims that “your records show we were an Accredited Member since 2007”. However, the Revdex.com website still clearly states: “This Business Is Not Revdex.com Accredited Invest In Your Debt”! IYD misstated fact #2: I did NOT know the cost of the program was $1950US – until after I got IYD’s invoice! I would surely remember an amount like that! And I did communicate with him regarding this. After my shock, I also expressed my concern about even being able to find that kind of money – particularly since I was paying considerably more because of the Canadian exchange rate ($2801). That’s when he suggested I go to PayPal and use PayPal Credit. I should have said, “Just forget it”, but I desperately wanted help in getting out of debt, and since PayPal Credit sounded like an option I could probably live with, I agreed to pursue it. PayPal Credit, I found out, unfortunately does NOT exist outside the U.S., so all I could do was use my regular PayPal account to pay the full amount. If this sounds like an irrational decision on my part, wait; there’s more. There was another very compelling factor in my decision to shoulder the hit on this surprise program fee and to carry on. This guy was actively trying to recruit me, as well as others, to become part of IYD’s Affiliate Program and work as an “ADE Locator”. The compensations quoted were certainly quite attractive, and I saw this possibility as a lucrative opportunity to earn some good coin, working on the side and in tandem with the ADE process, to accelerate my debt reduction. It was my light at the end of the tunnel! But first, I needed to see how well this ADE Process worked for me before I tried to ‘sell’ anyone else on it. As you can see, there were two very good reasons why I very much wanted this to work despite the obstacles. Unfortunately, the entire ADE process proved to be an ineffective and superficial solution on the first reason, making the second a moot point. The light at the end of the tunnel turned out to be an oncoming train.IYD misstated fact #3: This fellow keeps insisting that his ADE process eliminated $6ooo of my debt, no matter how many times I point out the facts and how completely out-to-lunch he is! It’s a complete lie! It’s a delusional claim for him to make! I will try one more time to make it really simple to understand. If IYD had never entered the picture, the amount of my debt reduction for the period in question, because of all the payment plans and schedules I already had in place, and any additional payments I made, was $5760. Keep in mind that’s WITHOUT IYD. So, if the total debt eliminated WITH IYD’s involvement was $6000 (as IYD claims), and I was personally responsible for reducing that debt by $5760, that means IYD reduced my debt by ($6000 - $5760) exactly $240. That’s it! Talk about ‘mucho cojones’ to try and take sole credit for $5760 of debt reduction that he absolutely had NOTHING to do with! Nothing! Nada! Oh yeah, the upfront program fee. Let’s see, $240 - $2801= $-2561; that’s MINUS $2561. IYD pushed me $2561 farther into debt – farther into debt before we even started (and this is supposed to be a debt reduction company)! Which brings me to…IYD misstated fact #4: I “never paid (my) $39 monthly payment amount”. My PayPal account shows a $39US payment was made on April 28, 2016, so this claim isn’t completely accurate, either, but closer than any of the others. The only other invoice I saw was for June 2016. By the way, as I already explained once before, making the monthly payments wouldn’t have been an issue - if I wouldn’t have been clipped for the exorbitant program fee upfront! He got $1950US of my money upfront and he’s whining about $39 monthly fees which, thanks to him, I could no longer afford?IYD misstated fact #5: The “prorated refund policy” was never stated or explained to me as he claims, ever, period! How could it have been, when the gentleman himself obviously didn’t have a clue about it? On December 01, 2016, he emailed me to say “The refund policy you referenced pertains to products purchased from our website; books, etc. ADE is a separate service and sold by appointment only. It is not sold off our website, and is only subject to the government mandated 3-day recession policy.” But the refund policy was quite clearly spelled out on the IYD website, and it included the ADE program. Unfortunately, the chap either wasn’t aware that the refund policy was there, he never read it, he read it and just couldn’t comprehend it, or it’s just there to be used only as another selling tool. A prorated refund, which he now cites, is all I ask for, but based on the factual and real numbers, not on IYD’s ‘smoke and mirrors’ fictional and wishful imagining’s. IYD misstated fact #6: In the Revdex.com response, he writes: “he claims the educational books were never shipped to him, but they were actually shipped twice” (wonder where they shipped them to, because I have yet to see any of the hard copy materials or any of the digital materials – and I did not have any address changes). Yet, in the December 01 email referenced above, he states, “The reason you did not receive your full allotment of the educational material was your failure to pay the monthly fee after the first month”. Oddly enough, this explanation never came up on the couple of occasions when I questioned [redacted] (Operations Manager) where my educational materials were. I was just told that I should have received them and that she would look into it, and I wouldn’t hear anymore. BTW, the educational materials were supposed to be shipped and emailed upon my enrollment.IYD misstated fact #7: “I educate people”. (See IYD ‘misstated fact #8’ for more on his education claim). What he really did was gave me false hope and mislead me; he didn’t “educate” me on anything, unless he considers his sales pitch (he’s pretty smooth, but it was still just a sales pitch) an “education” (maybe I should have read the educational materials twice – since he shipped them to me “twice”). Instead of pulling me out of the water when I was drowning in debt, he pushed my head under and held it there. IYD misstated fact #8: “I never spoke with this gentleman for 8 months after he started ADE”. In fact, I called him in early Spring (2016) when it appeared that there was a possibility of my wages being garnisheed by Canada Revenue. I wanted his help and some solid advice and guidance; I wanted to, at least, be “educated”. He had nothing to offer – very surprising for someone in the debt reduction business who “educates” his clients. I, unbelievably, came away with nothing. It was sink or swim, on my own!It would appear all he really did was take a whole pile of my money, sit there, and make a small monthly payment on my behalf. Like a simple book keeping service. I sure didn’t need him for that! So absolutely the process didn’t work for me. And if I wouldn’t have been hit with that surprise upfront program fee as well, which pretty much sank me, (why upfront, for someone badly in debt; that’s just counter-productive and stupid!), I wouldn’t have had my wages garnisheed, and I wouldn’t have lost my job. I think I explained that clearly in my Revdex.com complaint.So, do I have issues? Yeah, you bet I do! Just look above: eight (8) “misstatements” and/or contradictions! Does this reflect a business or a person with integrity that you would want to put your faith and trust – and your money – into? He is in a professional position of trust, but he has breached that trust with his conduct and deceitfulness. I also find it very curious that he keeps pounding his chest and boasting about the A+ Revdex.com rating (when he’s not even an accredited member) as much as he does, considering his questionable conduct and tactics. It seems very suspicious to me; it’s a red flag.He claims it costs him money to run the fully automated ADE program. Well, it costs me money to try and keep my family and myself from starving and from losing the roof over our heads, and when my money winds up “running” his ADE program but not delivering on the promise to keep me from financially drowning, not even providing me with any useful advice or “education” (oral or written), darn right I have an issue! I think this is just preying on the unfortunate and not about genuinely trying to help anybody. I think what IYD does is misleading, manipulative, and morally wrong, and they should be held accountable. I think the business should be investigated for fraud, and I think the responsible government bodies should do their jobs and shut this guy and his company down. I just wish I had known the truth about IYD and this person before I got involved with him. I’d have saved myself almost three grand (and a lot of grief). That would have more than saved me from having my wages garnisheed by Canada Revenue, and consequently I would still have my job today. And we wouldn’t be having this regrettable exchange today.Under the circumstances, I see no reason why I shouldn't be entitled to a prorated refund of $1587US, as I initially requested.
Regards,
[redacted]
Tell us why heThis gentleman has clearly misstated the facts throughout his complaint. He claims that we were not a member of Revdex.com. As your records show we were an Accredited Member since 2007. He states that he did not know the cost of the program was $1950. However, when his credit card was debited...
that amount in Feb 2016, he did not raise a concern until he lost his job. That was 7 months after had had started using the ADE process to eliminate more that $6000 of his debt. During this 7-month period he never paid his $39 monthly amount; yet he claims he was misled. If he lived in the US I could be suing him for theft of services. The prorated refund policy was clearly stated and explained to him before he signed on to the ADE Program. He used the program for 7 months, agrees that his debt was reduced by more than $6000, which is significantly more than his $1950 cost, but still demands a refund; not going to happen!He claims that the ADE process did not work for him; he claims the educational books were never shipped to him, but they were actually shipped twice; he claims he was misled, but I showed him exactly how the program would work with his own numbers, not some hypothetical numbers, and he agrees in his complaint that the program did work exactly as I said it would, by eliminating a significant amount of debt; more than $6000 in 7 months. I show people how the ADE Program will work with their own number and they decide whether it will benefit them or not. I don’t sell the ADE Program; I educate people; then I let people make the final decision for themselves. That’s why I had an A+ Revdex.com Rating for so many years. Did I mention to him, the A+ Revdex.com rating more than once, yes I did, and I am very proud of that rating earned over many years of hard work on my part. This gentleman had his wages garnished, lost his job and is looking for me to help bail him out. It cost me money to run the fully automated ADE Program; I never, spoke with this gentleman for 8 months after he started ADE. He admits that he never paid his agreed $39 monthly amount, but he claims he was misled by me! He obviously has major issues that are causing him to lash out at me. re...