I used United Financial for a while. They would not pay things on time even though the money was debited on the same day of the month. I paid off the accounts and shut the accounts and they still debited out a payment. They emailed saying they would refund the money, then never did. After six emails and many phone calls, I have had no response from them. They took almost 300.00 out of my account and will not respond or refund the money.

Years ago, I placed my confidence in this company in an effort to save my credit. For years things went smoothly; however, between June 2010-December 2010, I was actually robbed of approximately $6, 000. United Financial Systems was actually deducting payments from my bank account but not applying the payment to my creditor. In the process of all of this, I was receiving harassing calls and letters from my creditor. WHAT HAPPENED TO MY MONEY? THERE IS A THIEF OR THIEVES IN THIS COMPANY AND THE COMPANY IS AWARE!!! I have proof that the company is aware that my money has been stolen; however, they have not given me the common courtesy to inform me that my payments were not being made and the money had been stolen. I expect to be contacted within 10 days by UFS with information that MY MONEY will be refunded to me or my creditor, WITH INTEREST. Otherwise, I WILL NOT HESITATE TO TAKE LEGAL ACTION. I REFUSE TO BE A VICTIM!!! Elaine [email protected]

In March I contacted U.F.S. to consolidate my debt. I initially spoke to a representative named Felipe. I found him to be forgetful and he kept mixing me up with 'another New Yorker'. I requested to speak to someone else. I was connected to David Bishop. He was very slick and efficient. Everything was set up, papers faxed etc.

After that it has all gone down hill. At this point, I have had $600 withdrawn from my account in March, April and May yet only 1 credit card co. has been paid. And they have only been paid once. I have called repeatedly and have received many different explanations. I have been told that even though the money is deducted on the 26th of the month, it takes 2 weeks to be sent out. But that doesn't explain why it was NEVER sent. They say they have sent it out and that the credit card compnies are lying. On the other hand the credit card companies tell me these consolidation firms are crooks. I have not gotten a straight answer from anyone. but the credit card companies continue to hound me for their money. I requested some proof that the money was sent or paid to the credit card. I was told it would take accounting 1 week to give me that info. Well, 1 week has come and gone, no proof.

An account manager named Jamie Lyons has tried to contact me several times but I teach and can't always answer the phone. I always return her calls and leave a messege.

When I started this program I was up to date but I knew I couldn't maintain that. That's why I contacted U.F.S. Now, I am not sure where most of my money is, I owe a fortune in late fees and my credit rating is worse then ever. They have not done what they are supposed to be doing. They are not paying my creditors. Are they crooks? Where is my money?

I would never recommend this firm to anyone. It has been a financial disaster for me.