Latest Posts
Home > Ask The Get Out of Debt Experts > Where Are My Missing Payments With United Financial Systems? – Kim

Where Are My Missing Payments With United Financial Systems? – Kim

“Dear Steve,

Never late or misses any payments to 10 large credit card debts, but had over 40000 in debt and was panicking.

Joined United Finanical and have had 30 on time payments taken from our checking account every month since April 2008. Only 24 payments have been made to our 10 creditors since then….Should I hire a lawyer? I am at my witts end….1 thousand excuses why, creditors banging my doors down? IT SHOULD BE SIMPLE…..”take the payment from us, pay the creditors” This is not at all the case and I dont know what to do, 1 thousand phone calls…..no solution, where is my money? I have called and e mailed, they say they are auditing my account (AGAIN) and payments will be made, but that promise for me is OLD! Please help me.

Kim”

Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click Here

The Answer

Dear Kim,

That is very disturbing. Others have raised questions about United Financial as well here and Jaime Lyons from United Financial has posted comments so maybe they will post a comment here as well to help us understand what is going on.

United Financial Systems current has a D- rating with the BBB and 181 complaints (source) against them. I just happen to know that less than two weeks ago they had 170 complaints against them so some tremendous is happening with them.

I take missing payments very seriously. It strikes at the very heart of a company trusted to manage your funds, actually being able to do that.

While I generally urge people to attempt to work out these types of issues with their debt relief company directly first, in this case with the large numbers of sudden complaints against the company and the number of missing payments I would suggest you switch companies immediately. In fact you might want to click here for credit counseling information.

Update September 7, 2010

A tipster (send in your tips here) pointed out that United Financial has five attorney general complaints in Florida, all stemming from 2010.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

Big Hug!

Where Are My Missing Payments With United Financial Systems?   Kim
Get Out of Debt Guy – Twitter, G+, Facebook

If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

Where Are My Missing Payments With United Financial Systems? - Kim by

Share This and Spread the Word

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • http://GetOutOfDebt.org Steve Rhode

    State of Florida announces United Financial Systems refund possibility. See this article.

  • http://GetOutOfDebt.org Steve Rhode

    State of Florida announces United Financial Systems refund possibility. See this article.

  • JR

    I have had my last two payments not disbursed to my creditors as well. Oct and Nov are in LIMBO! I received a disturbing call yesterday from another company (with all my personal information) that was , as they stated, given to them from UFS. They also stated UFS is no longer in business. Did anyone esle get these calls or know if UFS has left North America with all our money?? I cannot get trough to anyone’s voice mail, cannot even get to the new client voice mail. That option has neen removed. Anyone know Anything???

  • UFS stole my money

    I too had a problem with United Financial Systems earlier this year and they seemed to rectify it. However, it happened again in August and I have at lease August, September and October payments that were collected from me and never sent to my 3 creditors. I have e-mailed almost daily for weeks. I have called repeatedly and get hung up on when it sends me to a v-mail that says it’s full. At one point, I did hear back from Ms. Lyons, but that was weeks ago and since she has not responded to more than a dozen e-mails. Crooks and criminals. Every last one of them.

  • UFS stole my money

    I too had a problem with United Financial Systems earlier this year and they seemed to rectify it. However, it happened again in August and I have at lease August, September and October payments that were collected from me and never sent to my 3 creditors. I have e-mailed almost daily for weeks. I have called repeatedly and get hung up on when it sends me to a v-mail that says it’s full. At one point, I did hear back from Ms. Lyons, but that was weeks ago and since she has not responded to more than a dozen e-mails. Crooks and criminals. Every last one of them.

    • JR

      I have had my last two payments not disbursed to my creditors as well. Oct and Nov are in LIMBO! I received a disturbing call yesterday from another company (with all my personal information) that was , as they stated, given to them from UFS. They also stated UFS is no longer in business. Did anyone esle get these calls or know if UFS has left North America with all our money?? I cannot get trough to anyone’s voice mail, cannot even get to the new client voice mail. That option has neen removed. Anyone know Anything???

  • MR

    Steve,

    I have been with UFS since July 2005. They were great until December 2009. I had that months payment to my cards over 30 days late. Then the same thing happened in May of this year. I have made the payments myself to keep them from being late. Jamie Lyons has replied to me with the same story “payments have been dispursed and will post within 7 days”. I have recently requested an explaination on why they take my money on time but pay my credit cards over 30 days later. I try to call but their phone mail box is full and she will not respond to emails anymore. Please advise people to not go with this company. I am trying to get out and they now have over $900 of my money that was never posted to my creditors.

    Very Angry,

    Michael

  • MR

    Steve,

    I have been with UFS since July 2005. They were great until December 2009. I had that months payment to my cards over 30 days late. Then the same thing happened in May of this year. I have made the payments myself to keep them from being late. Jamie Lyons has replied to me with the same story “payments have been dispursed and will post within 7 days”. I have recently requested an explaination on why they take my money on time but pay my credit cards over 30 days later. I try to call but their phone mail box is full and she will not respond to emails anymore. Please advise people to not go with this company. I am trying to get out and they now have over $900 of my money that was never posted to my creditors.

    Very Angry,

    Michael

  • Jbass1980

    I am having the same issues with UFS, and am trying to figure out how to work with them. I am also going to file a complaint with the BBB and the State of Florida. I do not understand why this company is able to continue operating.

  • Jbass1980

    I am having the same issues with UFS, and am trying to figure out how to work with them. I am also going to file a complaint with the BBB and the State of Florida. I do not understand why this company is able to continue operating.

  • Steve Rhode

    I just received an anonymous tip that said United Financial Systems would be closing their doors soon. If anyone is in a debt management program with UFS and wants to get their account switched before the company goes out of business, if the tip is true, then one option is to complete this credit counseling information request form and get your account transferred before it all blows up.

  • http://GetOutOfDebt.org Steve Rhode

    I just received an anonymous tip that said United Financial Systems would be closing their doors soon. If anyone is in a debt management program with UFS and wants to get their account switched before the company goes out of business, if the tip is true, then one option is to complete this credit counseling information request form and get your account transferred before it all blows up.

  • Linda

    I, too have been having problems with United Financial Systems since September 2, 2010. I had seven credit cards enrolled under this program since 2007. I am down to 4, which 2 of the 4 should be paid in full the end of this month. Unfortunately, payments to 2 of the 4 creditors have not been made since July. I’ve spoken with several representatives since September 2. I was told the problem was a computer error in issue payments. In the meantime, I’m getting calls and correspondence from the creditors constantly. I spoke with someone at UFS and was told the checks were reissued and mailed September 22. As of Monday, October 18, the creditors still have not received the missing payments. But I’m still paying UFS my monthly payments. A few weeks ago UFS’ phone system was experiencing problems. I received an email the problem was being researched. I’ve sent emails and left messages. I received one call back since. I sent another email on Monday requested a call back immediately and if not I will be terminating my agreement and stop payment to them.
    A very frustrated consumer

  • Linda

    I, too have been having problems with United Financial Systems since September 2, 2010. I had seven credit cards enrolled under this program since 2007. I am down to 4, which 2 of the 4 should be paid in full the end of this month. Unfortunately, payments to 2 of the 4 creditors have not been made since July. I’ve spoken with several representatives since September 2. I was told the problem was a computer error in issue payments. In the meantime, I’m getting calls and correspondence from the creditors constantly. I spoke with someone at UFS and was told the checks were reissued and mailed September 22. As of Monday, October 18, the creditors still have not received the missing payments. But I’m still paying UFS my monthly payments. A few weeks ago UFS’ phone system was experiencing problems. I received an email the problem was being researched. I’ve sent emails and left messages. I received one call back since. I sent another email on Monday requested a call back immediately and if not I will be terminating my agreement and stop payment to them.
    A very frustrated consumer

  • Steve Rhode

    Cece,

    It’s a mess at UFS and for the life of me I can’t figure out why things ran off the tracks so badly.

    It might make more sense at this point to switch to a different credit counseling provider, like Cambridge Credit Counseling, so you can feel comfortable things are better moving forward and then tackle getting the UFS mess cleaned up.

    If you think that makes sense for you then you can use this form to contact Cambridge Credit Counseling.

    I really hate to suggest switching in midstream like this but I just don’t have any confidence things at UFS are getting better based on the comments I’ve been reading.

  • Ceandme7881

    Dear Steve I to AM having the same problem with united financial systems they are taking my money and have not paid my bills in 5 months………. help cece

  • Ceandme7881

    Dear Steve I to AM having the same problem with united financial systems they are taking my money and have not paid my bills in 5 months………. help cece

    • http://GetOutOfDebt.org Steve Rhode

      Cece,

      It’s a mess at UFS and for the life of me I can’t figure out why things ran off the tracks so badly.

      It might make more sense at this point to switch to a different credit counseling provider, like Cambridge Credit Counseling, so you can feel comfortable things are better moving forward and then tackle getting the UFS mess cleaned up.

      If you think that makes sense for you then you can use this form to contact Cambridge Credit Counseling.

      I really hate to suggest switching in midstream like this but I just don’t have any confidence things at UFS are getting better based on the comments I’ve been reading.

  • Yosselbaruch

    United Financial had skipped my Daughters February payment which we did not know about until August; skiped Augusts payment and told my Daughter that they would return September’s payment which has yet to be received (three weeks). I suspect this company has gone down the tubes and that my daughters money is lost. They have also become beligerent on the phone and kept my daughter on hold for over 1 hour.

  • Yosselbaruch

    United Financial had skipped my Daughters February payment which we did not know about until August; skiped Augusts payment and told my Daughter that they would return September’s payment which has yet to be received (three weeks). I suspect this company has gone down the tubes and that my daughters money is lost. They have also become beligerent on the phone and kept my daughter on hold for over 1 hour.

  • Kim

    Dear Steve,

    I wanted to take a minute to update you on my situation with United Financial. I filed a formal complaint with the BBB. United Financial responed to me as soon as they received correspondence from the BBB. After a complete audit of my account, 2 of my nine debts were updated and needed no fix. 6 of my debts were found to have 5 missing payments over 30 months and they were all made yesterday to bring those accounts current. The last 1 of 9 debts I dropped out of the program because UF had not paid and the creditor would not stop calling me, so I dropped it out and paid it in full myself and they closed the loan account. I called to see if UF made the payments they missed to them and they confirmed 3 payments were made yesterday, but they will pend for 10 days then be returned to UF because my loan account was closed. UF says when they receive the money back from my creditor, they will send me a check? This would be in the amount of $1419.00….nothing to sneeze at! So we will see what happens! So now I am left with the aftermath to try to fix all of the late and past dues on our credit reports…..I dont know if that can be fixed or not! All I can say is SHAME on us for allowing ourselves to get in this position in the first place! VER VERY BIG LESSON LEARNED! Pray hard before you spend big! Thanks again for your help!
    Kim

  • Kim

    Dear Steve,

    I wanted to take a minute to update you on my situation with United Financial. I filed a formal complaint with the BBB. United Financial responed to me as soon as they received correspondence from the BBB. After a complete audit of my account, 2 of my nine debts were updated and needed no fix. 6 of my debts were found to have 5 missing payments over 30 months and they were all made yesterday to bring those accounts current. The last 1 of 9 debts I dropped out of the program because UF had not paid and the creditor would not stop calling me, so I dropped it out and paid it in full myself and they closed the loan account. I called to see if UF made the payments they missed to them and they confirmed 3 payments were made yesterday, but they will pend for 10 days then be returned to UF because my loan account was closed. UF says when they receive the money back from my creditor, they will send me a check? This would be in the amount of $1419.00….nothing to sneeze at! So we will see what happens! So now I am left with the aftermath to try to fix all of the late and past dues on our credit reports…..I dont know if that can be fixed or not! All I can say is SHAME on us for allowing ourselves to get in this position in the first place! VER VERY BIG LESSON LEARNED! Pray hard before you spend big! Thanks again for your help!
    Kim

  • Steve Rhode

    Kim,

    You are welcome. Please be sure to come back and post an update if you get any additional information about this situation.

    Steve

  • Skintz1000

    Steve,
    Thanks so much for your comments and information. I have been in touch with United Financial today to let them know that we are OUT of their program, I have also filed a formal complaint with the BBB. I have contacted my creditors and because of all of United Financials late payments, we actually qualify for a hardship program with lower finance charges than United Financial was asble to negotiate with our creditors! UF has a tickler in their file to follow up with me on September 15 as to the results of the complete audit of my account and the missed payemtns that they reassured me would be made by then. I will post again after that happens. I am hoping to not have to hire a lawyer! Thanks again, you gave me the push I needed to take action!
    Kim

  • Skintz1000

    Steve,
    Thanks so much for your comments and information. I have been in touch with United Financial today to let them know that we are OUT of their program, I have also filed a formal complaint with the BBB. I have contacted my creditors and because of all of United Financials late payments, we actually qualify for a hardship program with lower finance charges than United Financial was asble to negotiate with our creditors! UF has a tickler in their file to follow up with me on September 15 as to the results of the complete audit of my account and the missed payemtns that they reassured me would be made by then. I will post again after that happens. I am hoping to not have to hire a lawyer! Thanks again, you gave me the push I needed to take action!
    Kim

    • http://GetOutOfDebt.org Steve Rhode

      Kim,

      You are welcome. Please be sure to come back and post an update if you get any additional information about this situation.

      Steve

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.