Stay Away From These Companies!

Q: noticed that some people in the group were asking about the wholesale buying club called Network Direct Inc. (NDI). This company has horrible business ethics that hold you to a binding contract that is extremely unfair. I never used their membership service since after i signed up I realized I could find better deals elsewhere without paying the $1500.00, so I never paid a bill. It was after the 3 cancelation day grace period when i first tried to cancel my membership. They kept trying to get some money out of me, which they talked down to $312.00 to cancel at one point. But I was damned if i paid thaty crooked company anything. Almost two years later, after dealing with their thug creditors and lawyers I was able to convince them that their business ethics were out of wack, and they finally cancelled my account without a cent paid by me. Below is a copy of the final letter I sent to them, after sending a couple letters to the Better Business Bureau and two letters to NDI, as well as a couple phone calls. I also did some research about the companies that they delt with including Credit Management Systems (CMS), their thug creditor agency, and PCS Financial Corp. who does their billing statements, as well as other crooked endevours as you will see below. All research I did was online. After I sent this letter to Network Direct Inc, they 2nd-day-air-mailed me the closing agreement letter. Here is the letter I sent below: I was, at first, considering paying the $312.00 cancellation agreement, until I gathered more information. You’ve blatantly lied to me about actually purchasing my account from PCS Financial Corp. Both PCS and your financial advisor, Bonnie, admits that there is no documented “purchase”; there is only some sort of “agreement” which only Bonnie mentioned, but refused to send a copy to me with much childish resentment and aggression. Therefore, NDI has fabricated a justification to pay the money. It is very clear that these actions are, to say the least, unjustified, unethical and ridiculous. I’ve tried to cancel numerous times in the past year plus eight months, as NDI has recorded. And after all the endless harassment with NDI’s creditors and lawyers, who think I’m just another scam artist or, probably more likely, just another of many unsatisfied customers who will fall victim to NDI and associates’ scare tactics, I have continued to fight this issue. I saw through all these petty scare tactics that are so unfortunately common in club membership contract businesses, and I abided. And then a year and-a-half later, when NDI started to buckle by lying, and growing resentful and aggressive, they finally send me an “apology” letter confirming my cancellation at a fraction of the initial membership cost. Here’s the kicker: WHY DIDN’T NDI SEND ME THIS LETTER WHEN I ASKED TO CANCEL THE VERY FIRST TIME? Then I would’ve at least respected your respect for the customer’s well being. But this is, unfortunately, not what happened. I had to fight NDI’s unfair business practice, for almost two years, to get this “apology” cancellation letter. So, because of this, it ‘s my obligation as a consumer to continue to fight NDI’s unfair business practice so that others will not fall victim to this ridiculous treatment. It is clearly apparent that NDI can cancel this contract without any financial harm done to either party. Why is this not a reasonable resolution? The only “justification” You remain to have for these actions, since the above-mentioned justification was false, is that NDI has the legal right to take my money simply because I’ve signed your contract. This is not a justification. The truth is that the membership contract itself is, especially in my case, entirely unfair; an unfair signed contract is not an agreement. NDI redundantly claims that their “club membership contract” is the same as a “labor/rental contract” which is entirely different. The fact is I have never used NDI’s service. Unlike a labor/rental service, you have lost no materials, no labor, and no time except for the three minutes it took to enter my name into the computer, which my $50.00 sign-up fee should cover for, as well as cover for a customer service department luncheon. It is no surprise that NDI has not acknowledged this legal issue that I requested feedback about below: NDI has broken the Federal Trade Commission’s Cooling off Rule #2 which states: “The salesperson also must give you two copies of a cancellation form (one to keep and one to send) and a copy of the contract…” The salesman, Todd D. Sterling, did not give any copies of the contract, nor did he offer to make copies. It is also documented that NDI, and, coincidentally, PCS Financial Corp, do not exactly have the cleanest business records. The Consumer Affairs and Financial Assistance (CAFAP) has a nice warning in the Mannheim Army news with bold red letters “Do not purchase anything from them!” But NDI is most likely aware of this. Also, an NDI investigation from the Kansas State District Attorney is not a common occurrence among ethical businesses, but it seems apparently common inside your realm of associates. The good Lord knows what kind of dirt Credit Management Systems has, but it’s bad enough when a business based on contacting people doesn’t even have an answering machine. Please write back or give me a call so that I know where we stand.

A: Question: I noticed that some people in the group were asking about the wholesale buying club called Network Direct Inc. (NDI). This company has horrible business ethics that hold you to a binding contract that is extremely unfair. I never used their membership service since after i signed up I realized I could find better deals elsewhere without paying the $1500.00, so I never paid a bill. It was after the 3 cancelation day grace period when i first tried to cancel my membership. They kept trying to get some money out of me, which they talked down to $312.00 to cancel at one point. But I was damned if i paid thaty crooked company anything. Answer: By your own admission, you failed to attempt cancellation within the three days allowed under the FTC. If you were legally justified in cancelling after the three days, why would the three day rule exist at all? Sounds to me like you've lost the battle and the war - perhaps you should try to get the contract rescinded on the basis that an imbecile lacks the mental capacity to enter into a legal contract.

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