World Law Plan owes me a $4,012.78 refund. The money was paid toward a $5,000 Flat Fee to be earned when they settled my debt, but it was never settled.
My agreement with World Law Plan was signed electronically on August 8, 2011 by means of an emailed document prepared by the company. My account was DD-2528. In the agreement, I authorized automatic monthly debits from my bank checking account of $550.68 on a sixty month schedule toward settling my debt on two Chase Credit Cards on September 1, 2011. The total debt on the credit cards was $50,996.75. I cancelled the plan effective September 19, 2012 due to the possibility of filing bankruptcy. I paid a total of $6,702.56 into a payment/savings account before cancellation. I don’t recall receiving any correspondence from World Law Plan other than online.
World Law Plan established my payment/savings account with Global Client Solutions, account [ ]. I received two letters in the U.S. Mail from Global Client Solutions dated August 12, 2011 and October 17, 2011. The first was a welcome letter, and second was a notification that subsequent statements would no longer be mailed but could be accessed online at www.globalclientsolutions.com. The envelopes were Presorted First-Class Mail U.S. Postage Paid CIS. The only stamps said FAVESP1 63755 and IAWRSP1 63755. I have no problems with the services provided by Global Client Solutions. They received $9.45 for 13 months from my monthly checking debits, for a total of $122.85. Upon cancellation, they credited my checking account with the amount World Law Plan designated as my “savings”, $1,263.59.
World Law Plan’s services from August 8, 2011 to the day of cancellation encompassed setting up the plan, sending two letters (one for each credit card account) to Chase Bank making early settlement offers, sending two letters notifying Chase to contact them for negotiations, having my questions answered by their receptionist about six times, and canceling my plan. Those few services were well-compensated by the disbursements made to them for a $5.00 Setup Fee, a $193.99 Retainer Fee, and thirteen monthly $84.95 Attorney Administration Fees, all totaling $1,303.34.
Completely separate from those fees and services, $4,012.78 was disbursed to them up-front as Company Fees toward a $5,000 Flat Fee. According to the plan agreement, the Flat Fee is earned whenever an enrolled account is settled. There’s no doubt that I cancelled the plan before the company could proceed with the settlement of my two credit card accounts, since I still had 48 months remaining in my payments to accumulate $22,178.03 in savings for them to attempt a settlement. Therefore, they did not provide any services to earn the $4,012.78. Despite numerous requests made to the company, they have not given me a decision about whether or not they intend to refund the money.
Consumer Action Taken:
I first requested that the $4,012.78 held for Company Fees / Flat Fee be returned to me on September 19, 2012, then again on October 2, 2012, both times in phone calls with Heather Smith. I was informed twice in emails from Heather Smith that my request had been turned over to management to make a decision about returning the money. After patiently waiting for three weeks and never receiving a decision, I was very unhappy with the stonewalling from the company. I mailed a certified/return receipt letter to the company on October 12, 2012, which they received on October 18, 2012. The article/tracking number on the letter was 7011 2970 0002 5223 4412. In the letter, I said that I expected a refund of $4,012.78 paid by October 26, 2012. As of today, November 4, 2012, I have not received any response.
I recently filed online complaints with:
BBB of Metropolitan Dallas
Filed on : November 1, 2012
Case # 91235190
Federal Trade Commission
Filed on November 2, 2012
Reference number: 41447527
IC3 Internet Crime Complaint Center
Filed on November 3, 2012
I recently sent an email to:
Global Client Solutions
Emailed on November 4, 2012
In the email, I explained the situation and that I wanted to make them aware, and attached a pdf of my October 12, 2012 certified / return receipt letter that was delivered to World Law Plan on October 18, 2012
Date This Problem Happened: September 19, 2012
State You Live in: Missouri
Age Range: 36-50
Total Amount of Fee Paid: $4,012.78
Company Name: World Law Plan
12655 N. Central Expwy
Dallas, TX 75243
Company Telephone Number: 888-538-5868
Website of Company: worldlawplan.com
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World Law Plan - Consumer Complaint - November 5, 2012 by Steve Rhode
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