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How Do I Get All The Money Back FBL Associates Took From Me? – Priscilla

“Dear Steve,

FBL Associates and how do i get all the money back that they took from me-No one is helping me and in fact they only hurt me–They treated me really bad-they do not answer the phones at all so i ahve to e mail them constantaly and then they complained that I send them too many e mails. I am bneing sued my 3 creditors so far beause of their negligence and breach of contract.

I am in this program since November 2009-I WANT ALL AND I MEAN ALL OF THE MONEY THAT FBL TOOK FROM ME. if I DO NOT GET IT BACK THEN I WILL HAVE MY LAWYER SEND A LETTER ON MY BEHALF DEMANDING ALL OF MY MONEY BACK FOR THE PAST 9 MONTHS. NOT ONE OF MY CARDS WERE EVEN SETTLED AND I HAVE LAWSUITS BUILDING ON ME. I WAS TREATED VERY BADLY BY THE EMPLOYEES OF FBL. THEY WERE MATT PORETTA, TOM, PATRICIA CLEARY AND JOE SCAFADI. I HAD TO BEG AND BEG FOR AN E MAIL TO BE RESPONDED TO CONSTANTLY, NEVER RECEIVED PHONE CALL BACK WHEN IT WAS AN EMERGENCY, LIED TO ABOUT SETTLEMENTS AND I HAVE PROOF OF ALL THIS.

I SIGNED UP WITH BLUE PENCIL AND THE FEE WAS $49.50 A MONTH FOR BLUE PENCIL’S FEE AND $839 WAS GOING INTO MY RESERVE AND THERE WERE NO OTHER HIDDEN CHARGES OR COSTS. MY FILE WAS SOLD TO FBL AND ALL OF A SUDDEN I WAS GIVEN $49.50 IN MY ACCOUNT AND FBL WAS KEEP OVER $839.00 A MONTH FOR THEMSELVES. NOT ACCEPTABLE. 3 MONTHS INTO BEING WITH FBL, I COMPLAINED AND COMPLAINED AND ALL I WAS TOLD WAS THAT THEY WERE WORKING ON IT. I EVEN CALL ABE FIDIARY AND HE SAID I COULD GET MY MONEY BACK AT ANY TIME.

I WAS TOLD THAT FBL IS AN ATTORNEY LAW FIRM AND I WILL BE ASSIGNED TO AN ATTORNEY WHO WILL HANDLE ALL MY CREDIT CARDS WITH NEGOTIATIONS AND DILIGENT PHONE CALLS AND NEGOTIATE A BETTER PAY OFF PRICE. THIS WAS NOT TRUE-I WAS NOT GIVEN AN ATTORNEY NOR DID AN ATTORNEY EVER CALL BACK ANY OF MY CREDITORS. INSTEAD I GOT LESS THAN DESIRABLE PEOPLE WHO WERE NOT LAWYERS OF ANY KIND AND THEY WERE NOT PROFESSIONAL OR HELPED ME IN ANY WAY. IN FACT THEY HUNG UP ON MY CREDITORS and out of 9 credit cards only one creditor was ever contacted to settle any of my credit cards. My credit card owners will testify that there were never any phone calls or negations offered and they told me to get out of FBL because FBL is hurting me.

3. I was assigned to Matt Poretta. All he kept telling me was that the lawyers are working on my credit cards and not to worry. Well I found out that was a lie.

4. Joe Scafaldi would not return phone alls or e mails and when he did they were terse and vague. Finally her told someone that he cannot handle my credit cards because they were too tough and so they gave me Tom. Tom refused to give me his E mail and Matt was protecting him. When I asked what is going on, I had to go through Matt because Tom would not return my calls and I could not e mail him.

5. American Express Blue served me a Summons for court at my home. I faxed the Summons to Matt because again I was told that Tom does not accept faxes-2 weeks were wasted because I heard from no one.

6. They gave me a lawyer in Manhattan and I contact him-he was nasty and abrupt and told me that he cannot put his company name on any of the documents because FBL told him not to and he was not preparing the Answer for me and he will send me a form and told me I am on my own. He also told me that he will not send the Answers to the court and I have to type up myself the Answered to the complaints and take off from my work and go to the court myself to serve the Answer. I complained about him–His name was TRUEHART or something like that I told Matt that I was promised a Lawyer in Suffolk County and a lawyer who would go to court–Since these papers had to be filed, I was told to do them myself–I had to type up the Answer and Affidavit of Proof myself and I had to pay a law firm to get a process server and hired a process server put of my own money to go to two different courts because now American Express Blue and American express Gold were both taking me to court. I HAD TO DO ALL THE WORK.

The only thing I want from FBL is for you to tell me that they are refunding my money in full.

The creditors will no longer deal with FBL and neither will I.

The reason for this is

7–All the aggravation and dehumanizing I had to endure from Pat Cleary, Joe Scafaldi, Christine Crouch AND TOM.

8–I signed up and have a contract from BluePencil/Safe Trust that I signed up wit them taking $49.50 a month and the balance going directly into my account which would be a sum of $787 a month for my bills. I have a signed contract

9–3 months of being in the program I found out that I have no money in my reserve and FBL was sold my contract without my permission and they are giving me $49.50 a month and keeping $878 for themselves. I did not sign up for this and made it clear that is not what I wanted. Abe Finidary called my house and told me that I can have my full monthly payments refunded to me at any time. He even told me he would speak to Elaine Dillard.

10–In the entire time I have been with FBL not one creditor was negotiated with-even though I was told all my creditors were in negotiations. Each creditor will swear that no negations took place.

11.– when I questioned this, I was told by Matt Poretta they were being worked on. Nothing was worked on because I called my creditors.

12–American Express Blue was taking me to court and I proposed to Tom and Patricia Cleary a negotiation to settle with American Express Blue and matt Poretta told me that Tom spoke to the lawyer representing me and they were working on it. Court was scheduled for Monday and no one from FBL ever called me back and when I did e mails asking for help, Pat Cleary sent me a terse e mail-it was humiliating that I had to beg and beg and beg for someone to respond to me–she let it be known that I have become a pain and I sent too many e mails–If someone would have responded, there would be no need for all my e mails.

13–I called the lawyer on my own and asked him about the offer I made so I do not have to go to court and the lawyer responded that he never ever got an offer and this is the first he heard about it–I have proof of this and I am willing to go further with all legal remedies available to me to get all my money back from FBL.

14–I called American Express Blue and made the offer and they took it immediately and I have been paying out of my own pocket to do this. What do I need FBL for.

15–at that time Abe Finidary told me I can have my money back all of it. and that was in the middle of June, 2010.

16–Now I find out that most of my creditors did not get even a phone call back and they are all issuing me court summons.

17–I trusted FBL to help me and that was what I promised and did not get.

18—Matt Poretta, Christine Crouch, Pat Cleary and Joe Scafaldi will not answer any of my e mails asking for help and they will not return calls.

19–finally pat Cleary sent me another terse e mail and told me to call Brittany McDougal and ask her to help me because she does not want to be bothered with me anymore and so I did. When Pat Clearly found out that I did call Her, she sent me a really bad e mail screaming at me and telling me I should never have called Brittany and I e mailed her back and sent her the e mail she sent me and she was the one who gave me Brittany’s contact info. When I called pat Cleary], she hung up on me.–You can check all this out with Rod in the Florida office.

20–Once again Abe Fidiary told me to request my money back.

21–Now I find out that there are 3 more creditors suing me and the answers I get is, maybe FBL cannot help you anymore. One of your employees told me that FBL cannot help me and I am telling you here and now I want ALL my money back.

22-FBl never helped me-they only helped themselves to all of my money.

23-I am requesting that FBL return to me $7,000.00 that was taken from me since November, 2009 IMMEDIATELY

24-FBL ONLY HURT ME. MY CREDITORS ARE ALL WILLING TO TESTIFY THAT THEY NEVER RECEIVES A PHONE ALL FROM FBL EXCEPT FOR 2 CREDITORS.

25-I have proof of the original contract that was signed by me and Abe Fidiary and now I am being sued by almost everyone of my creditors and this is not acceptable. I put my faith in your company and FBL did not live up to your obligations to protect me. Therefore, I am respectfully requesting that the $7,000 that was taken from me for FBL be forthwith returned to me immediately and I will be out of y o urn company.

I hope we can settle this in an expeditious and civil manner.

I want to make it perfectly clear that the only way to resolve this is to refund my $7,000.00 immediately. There are no other options.

I have been through so much with FBL that I never want to hear from them again- They have caused me undo law suits and humiliation and I have had it. I just want all my money back and you can arrange for them to send it to me via federal express at my job.

Thank you,

Priscilla”

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The Answer

Dear Priscilla,

There seems to be a rash of people unhappy with the customer service from FBL Associates. See the related stories links below.

It seems the guide I wrote on how to get a refund would be helpful and the correct process to follow. Here it is, How to Get Out of a Debt Settlement Program and Get a Big Refund.

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!

How Do I Get All The Money Back FBL Associates Took From Me?   Priscilla
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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.
  • Jbsmparalegalservice

    Pricilla,

    Patricia Cleary has NEVER hung up on you or any other client.

  • Jbsmparalegalservice

    Pricilla,

    Patricia Cleary has NEVER hung up on you or any other client.

  • Steve Rhode

    Awesome update. Please keep me posted as this moves forward.

    Steve

  • Lowenthalp

    Ok, here is what happened. I wrote to the BBB and to “Steve”. But before I wrote to Steve, I sent a terse letter to FBl Associates at their Florida address and at their Philadelphia address. I also sent e mails to the people at FBL that never helped me but lied to me constantly. I named names and included the very long E mail I sent to the BBB and to Steve. I got together all the e jmails and printed them out, located my original contract and located the e mails that the 2 people who did sign me up. sent to me Their e mails gave me more amminition then if I had a loaded gun. I hired a lawyer. I got a cancellation letter via e mail from FBL and get this they wanted me to sign the cancellation letter with the caveats that I had no rights to sue them or collect any money from FBL and that FBL owes me nothing. I refused to sign it. Then I asked two different people for a contract they sent me in August and they told me that it would take over a month to get if they get it at all (meaning they were not sending me it). Like I said I was getting ready to send my lawyer all the e mails which will prove they did nothing for me but gobble up almost $1,000.00 a month from me for 7 months. I was in the program for 8 months and I deferred two payments and I put a hold on the September payment, which was a good thing. I cancelled my entire account with this phony company and went to my bank and stopped them from making any withdrawals from FBL or Noteworld. I did not get to read Steve’s instructions on the next steps when I got an e mail from Noteworld that a depsoit was made into my account for $4,800.00. They still owe me money but at least I got back the $4,800.00 Anybody reading this, please read my complaint e mail first and BE AFRAID, BE VERY AFRAID OF FBL ASSOCAITES AND BLUEPENCIL AND SAFETRUST. THE 2 PEOPLE WHO SIGNED ME UP ORIGINALLY, DID NOT WANT TO HELP ME AND THEY ARE NOW PLEADING THEY DID NOT KNOW WHAT WAS GOING ON. THEY WERE EACH BLAMING EACH OTHER. I will be suing the 2 of them in a civil action. It is a good thing I saved all their e mails because that is my proof of the deal I originally signed up for and what I got was a nightmare. Of course those two do not answer e mails to me or phone calls to me at all. They will have to answer to a civil action which I will duly and diligently purse against the 2 of them.

    I do want to thank the BBB for their prompt attention to this matter and to Steve for advising me what to do. I guess I am one of the lucky ones. So people, save e mails and all correspondence because you may need them to prove your case.

    Beware of FBL Associates and Notworld-be afraid, be very afraid. I do not know how the U.S. Government lets these two companies exist. They should be fined and not allowed to have a business.

  • Lowenthalp

    Ok, here is what happened. I wrote to the BBB and to “Steve”. But before I wrote to Steve, I sent a terse letter to FBl Associates at their Florida address and at their Philadelphia address. I also sent e mails to the people at FBL that never helped me but lied to me constantly. I named names and included the very long E mail I sent to the BBB and to Steve. I got together all the e jmails and printed them out, located my original contract and located the e mails that the 2 people who did sign me up. sent to me Their e mails gave me more amminition then if I had a loaded gun. I hired a lawyer. I got a cancellation letter via e mail from FBL and get this they wanted me to sign the cancellation letter with the caveats that I had no rights to sue them or collect any money from FBL and that FBL owes me nothing. I refused to sign it. Then I asked two different people for a contract they sent me in August and they told me that it would take over a month to get if they get it at all (meaning they were not sending me it). Like I said I was getting ready to send my lawyer all the e mails which will prove they did nothing for me but gobble up almost $1,000.00 a month from me for 7 months. I was in the program for 8 months and I deferred two payments and I put a hold on the September payment, which was a good thing. I cancelled my entire account with this phony company and went to my bank and stopped them from making any withdrawals from FBL or Noteworld. I did not get to read Steve’s instructions on the next steps when I got an e mail from Noteworld that a depsoit was made into my account for $4,800.00. They still owe me money but at least I got back the $4,800.00 Anybody reading this, please read my complaint e mail first and BE AFRAID, BE VERY AFRAID OF FBL ASSOCAITES AND BLUEPENCIL AND SAFETRUST. THE 2 PEOPLE WHO SIGNED ME UP ORIGINALLY, DID NOT WANT TO HELP ME AND THEY ARE NOW PLEADING THEY DID NOT KNOW WHAT WAS GOING ON. THEY WERE EACH BLAMING EACH OTHER. I will be suing the 2 of them in a civil action. It is a good thing I saved all their e mails because that is my proof of the deal I originally signed up for and what I got was a nightmare. Of course those two do not answer e mails to me or phone calls to me at all. They will have to answer to a civil action which I will duly and diligently purse against the 2 of them.

    I do want to thank the BBB for their prompt attention to this matter and to Steve for advising me what to do. I guess I am one of the lucky ones. So people, save e mails and all correspondence because you may need them to prove your case.

    Beware of FBL Associates and Notworld-be afraid, be very afraid. I do not know how the U.S. Government lets these two companies exist. They should be fined and not allowed to have a business.

    • http://GetOutOfDebt.org Steve Rhode

      Awesome update. Please keep me posted as this moves forward.

      Steve

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