APPX. OCTOBER 23, 2008 WE RECEIVED A CALL FROM CALLER ADVANTAGE, (SUNRISE FL.) BILLED TO SCOTTSDALE ARIZONA. tHE COMPANY WAS OFFERING AN ON LINE PHONE CONSULTATION FROM PHYSICIANS. THE WIFE TOLD THEM TO SEND US INFORMATION IN THE MAIL BUT NOT NOT AGREE TO ANYTHING. SHE EVEN REMEMBERS GETTING THE INFORMATION IN THE MAIL BUT THREW IT IN THE TRASH. ON 11-15-2009 SHE NOTICED SOME CHARGES ON THE BANK ACCOUNT WE HAD NOT CHARGED. uPON CHECKING WITH THE BANK AND THE COMPANY SHE FOUND OUT THAT WE ALLEGEDLY HAD AGREED TO SOME KIND OF PHYSICIAN CONSULTATION AND WAS DEBITING OUR BANK ACCOUNT 50.00 DOLLARS AMONTH. WE NEVER AGREED TO TO ANY OF THIS AND THEY HAVE SCAMMED US OUT OF OVER 800.00 DOLLARS. ANOTHER SCARY THING ABOUT THIS IS THYE HAD HER BANK CARD NUMBER. WHEN ASKED ABOUT HOW THYE OBTAINED THE INFORMATION, THIER RESPONSE WAS THEY GOT IT FROM A INFORMATION SHARING CENTER COMPANY. tHIS IS REALLY SCARY THAT A COMPANY COULD OBTAIN OUR BANK ACCOUNT WHEN WE DID NOT GIVE THEM INY OF OUR PRIVATE INFROMATION. JM AND KIM HARDWICK, 124 MONUMENT CIRCLE, SUMMERTOWN TN. 38483

Subject: Legal Notice - ref 335696 / 1-12-2008 ref ; 781212008335/696 - time of confirmation 1 PM. FIRST-CLUB-SAVE.COM / D905-CD101D-714461/undated letter.

Date: Thu, 15 Jan 2009 22:54:41 -0800
From: [email protected]
To: [email protected]
Subject: Legal Notice - ref 335696 / 1-12-2008 ref ; 781212008335/696 - time of confirmation 1 PM. FIRST-CLUB-SAVE.COM / D905-CD101D-714461/undated letter.

Bantwal Srinivas Pradeep,
7761, Greenback lane, # 68,
Citrus Height CA 95610. USA.
15 January 2009.
Phone: 650 440 1978 / (916) 723 0329.


To
The Manager,
First-Club-save Com,
123 West Nye Lane, Suits 467,
Carson City, NV 89706. USA.


Dear Manager,

Your tele marketers called my home telephone number :(916) 723 0329. They promise to send me by post a welcome package - " EZ-1-Rate. I honored the payment through my debit card $ 1-85. Subsequently, I did not receive any package by mail as promised. I called your telemarketers on 1st December 2008 over your office toll number - 1800-923-8939. I informed them about the deal & failed promised. For some reason the lady speaking to me in your office had to say that the mailed package did not get posted. I asked her to cancel every kind of offer they made to me over the phone along with what they would have had to send in mail. Accordingly, the deal was canceled with a cancellation number D905-CD101D-714461/undated letter with US $ 1.85 already charged to my card for no service offered. (EZ1 rate 11/19 card # 5042 # 745... purchase keep the change 11/20/2008.) This is an unfair trade deal. Charging me and not serving me as agreed by your company.

On 12/08/2008 your company deliberately charged my account with US $ 19.95 ( Identity sweep 12/05 card # 5042 purchase US $ 19-95.) I call this transaction illegal and deliberately done as I already had a cancellation no. D905-CD101D-714461/ confirmed through an undated letter which I quote again here: 335696 / 1-12-2008 ref ; 781212008335/696 - time of confirmation 1 P M FIRST-CLUB-SAVE.COM. My account that carried 3 months account servicing charges of US $ 5-95 each month.Just enough to keep my account until my pensions from New Zea land got remitted into to my account here in USA which would help me with a wavier off of the account servicing charges when regular payment started getting deposited from New Zea land. ( This payment from NZ is likely to be due to me from next month.) The same was informed to my bankers as well. Besides this, my sickness also got aggravated. I could not get back to any of my pending basic work of my money remittances to the bank. This is evident from my bank statements that I enclose here for you.

While I was on rest with my family in New York my bankers sent me an overdrawn account fee for US $ 106:82. As I went carefully tracking through my transactions I found that FIRST-CLUB-SAVE.COM had unduly & illegally drawn the amount I state US $ 19:95 that I restate here.This drawing that was honored by my bankers which later resulted in charges amounting to US $ 112.78 inclusive of my monthly account fee charges of US $ 5.95 described as a default that affected my relationship with my bankers. ( Which I carefully covered for their service I took each month. Charges for 3 months - US $ 19-95 for my activity with BOA for two months while I was away. I further confirm to you that this transaction under the negotiable instrument act is totally illegal and a crime.) Your company has illegally acted and has been very unfair to me with my reputation with my bankers. I attach a portion of my account statement for your perusal. Please match the information to what I have already described to you above since you illegally drew the money.



FIRST-CLUB-SAVE.COM
TEMP CR ADJ 01/07 C...
Check Card Cleared . Select this link to mark transaction as reconciled.
$17.82

-$94.91


Statement Period as of 01/09/2009

View and enter additional information for Bank Charge for -$5.95
01/08/2009
ACCOUNT FEES
Bank Charge Cleared . Select this link to mark transaction as reconciled.
-$5.95

-$112.73



View and enter additional information for Bank Charge for -$35.00
12/11/2008
OVERDRAFT ITEM FEE
Bank Charge Cleared . Select this link to mark transaction as reconciled.
-$35.00

-$106.78



View and enter additional information for Keep The Change for $0.00
12/10/2008
KEEP THE CHANGE TRANSF
ER CANCELED-LOW ACC...
Keep The Change Cleared . Select this link to mark transaction as reconciled.
$0.00

-$71.78



View and enter additional information for Check Card for -$17.82
12/10/2008
FIRST-CLUB-SAVE.COM
12/09 CARD #5042 PU...
Check Card Cleared . Select this link to mark transaction as reconciled.
-$17.82

-$71.78


Statement Period as of 12/10/2008

View and enter additional information for Bank Charge for -$5.95
12/09/2008
ACCOUNT FEES
Bank Charge Cleared . Select this link to mark transaction as reconciled.
-$5.95

-$53.96



View and enter additional information for Bank Charge for -$35.00
12/09/2008
OVERDRAFT ITEM FEE
Bank Charge Cleared . Select this link to mark transaction as reconciled.
-$35.00

-$48.01



View and enter additional information for Keep The Change for $0.00
12/08/2008
KEEP THE CHANGE TRANSF
ER CANCELED-LOW ACC...
Keep The Change Cleared . Select this link to mark transaction as reconciled.
$0.00

-$13.01



View and enter additional information for Check Card for -$19.95
12/08/2008
IDENTITY SWEEP 12/05
CARD #5042 PURCHASE...
Check Card Cleared . Select this link to mark transaction as reconciled.
-$19.95

-$13.01

Serious information for your awareness:

1. BOA letter ref. CA9-705-06-26 January 7, 2009 letter is clearly writes the seriousness of the issue of non payment of bank charges that is US $ 112.78 arising out of your illegally charging my card. This illegal drawing of my money further led me into defaulting with my monthly charges due to BOA for US $ 5-95 while I was on sickness rest in New York with my family from 25 December 2008 through 4, January 2009.

Serious Issue: BOA informs that hey have to close the account due to non payment of BOA fee. Further it states that it is compelled to send a report describing the reasons for such closure. If that is not done I will not be able to open an account with any bank in USA for the next five years or so. This would have not happened if you had not drawn my money out of my bank account illegally.

That - I have no money to pay the bank until my pensions gets paid to me from New Zea land which takes two months from now. I am sick and cannot work with my business being self employed. Further, I will be loosing my insurance from BOA as an account holder. All these because of your illegally drawing of my money which would have covered the cost and honored my agreed payments with my bankers.

That the legal consultation cost of US $ 500 comes as an additional cost attached to me with this translation. This is besides my injury to my feelings and time spent in tension while I am recovering from my sickness.

What do I expect from your company:

Immediately make payment of cost of US $ 112.78 directly to my BOA explaining them the reason for such an action you have already taken which is illegal unfair, and hurting my good conduct and reputation with my bankers by and large.

Legal consultation fee of US $ 500 and compensation for lost time while I am recovering from my sickness.Please do the needful judiciously and oblige.

If you need any further clarification regarding my claim or you have any kind of counter claims with what I say in this letter to you I am available on both telephone numbers that I provide in this correspondence to you. Please provide also your mailing address that I do not find on your web site nor in your undated letter. I provide my two e-mail address as a cover over the telephone address and my physical: [email protected] / [email protected].

Thanking you in anticipation of a prompt reply and action to avert post punitive charges and cost after this legal notice is served on your company.

Yours Sincerely,

Bantwal Srinivas Pradeep

They, or some marketing firm they are associated with, call repeatedly promising free gas vouchers. At the end of each conversation, they quickly tell you tht you will be signed up for a trial with some affiliate (Legal Ease, Caller MD) which you must opt-out of. Only they say this in a way that makes it sound like you are getting something for free with no further obligation--you must listen carefully to understand what they are really telling you.

If you try to refuse the trial, they are rude and persistent. If you acquiesce, they pass you on to a "verifyer" who repeats all of the information you heard before, and then, very quickly, tacks on *another* trial.

The gas vouchers never come, and this repeats in about 3-4 weeks.

I told the agent on the phone I wanted no part of the trial he was offering, and asked them to stop calling. I was a little rude (understandably). He was very rude in return. A few weeks later, paperwork on the very trial I had refused showed up in the mail. It claimed I had a ten-day trial, after which I would be charged (I still don't know how they have my card #--I've never given it to them). There was no date indicating when the trial began or ended. When I called to cancel, I was told the trial had already expired, and I had been charged. The agent agreed to cancel me, and to refund one charge, but the "processing fee" she claimed was non-refundable.

These people are clearly criminals.

they keep calling me and I told them to remove me from their list. i don't know how they got my cell phone number but i keep wasting minutes answering their calls.