The following transpired and I wrote to the offending company on October 30, 2008


123 Funds.com
3214 North University Avenue, â„– 226
Provo, UT 84604

Gentlemen: RE: Cancellation â„–: 102908-2697909

On October 11, 2008 your company placed a charge against my account for an amount totaling $69.95. This occurred on the same day I allowed a charge against my account, via the telephone, to put my timeshare up for sale. When I viewed my account on-line a week later and noticed the charged, I assumed it was associated with the timeshare sales company so I didn’t call my bank right away.

Yesterday, October 29, 2008, I finally got the chance to call my bank to question the charge, and I was given the telephone number associated with your company. I called the number, and your associate, Mike, informed me that I ordered your service on line some time in September. He also explained, upon my questioning, that your company helps folks apply for government grants or something of that nature.

However, I do not recall ever visiting your website or completing an application of any type to apply for a government grant. Moreover, I have not received any communication or material, (applications, pamphlets, books, CDs) from your company either via the internet or by mail to my home. It is beyond my comprehension as to how your company acquired my information to charge my account. Moreover, when I requested that the charge against my account be reversed, I was informed by Mike that since the charge is over two weeks old he had no authority to issue the credit, and that I had to write the company to plead for the return of my money. He could only cancel my account (which I didn’t know existed), and supply the above referenced cancellation number.

I am, therefore, requesting a refund in writing. I have never received any form of assistance from your company, and I have no knowledge of your company. Please refund my $69.95 as soon as possible. Thank you in advance for your prompt action in this matter.

I NEVER RECEIVED A RESPONSE.