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  1. #1
    Join Date
    Jan 2019
    Posts
    1

    Default Fraudulently Obtained Limited Power of Attorney by Credit Repair Organization

    My question involves a person located in the state of: Washington State.. the company in question is located in Florida though.

    Not sure where to put this honestly. I am disabled so I know I do get certain protections but this is with a credit repair organization.

    I'm disabled on SSI and have a speech disability. I'm trying to repair my credit so I can get a student loan for University. I get offered credit repair services and sign up over the phone. The reviews for said company are very reputable so I felt comfortable about agreeing to the terms of thier contract and what they told me over the phone didn't raise any red flags.

    They failed to mention thier fine print though. After I signed the agreement verbally over the phone they sent thier legal documents. There were 3 PDFs. I read the first one right after and everything sounded fine. I got sidetracked so I didn't read the other two until a week after. To my shock they omitted several terms while on the phone.

    The most shocking giving them limited power of attorney to communicate on my behalf. They mentioned on the phone me allowing them to communicate with credit bureaus on my behalf but failed to mention I was giving them limited power of attorney. I know how power of attorney is legally obtained and they most certainly didn't do that.

    I sent them my ID, SS card and proof of address at thier request. They are disputing every negative item on my credit reports so are signing documents on my behalf. Since I never gave them POA Im baffled unless they forged a legal document stating I did.

    On the phone the salesman said even if I owe what on my credit report and pay it off, they can try to trick the credit bureaus and collection agencies into removing them which I have ethical issues about.

    He also implied he would make more money in commissions the longer he was on the phone with me as a joke because it takes me far longer to speak verbally.

    Several of the terms and conditions I wasn't told about involve highly manipulative tactics to prevent them being sued. Such as that by agreeing to the contract.. I cant start a class action lawsuit.. or that if I do sue and they win I pay thier attorney fees. And that if I do sue It has to be for legitimate reasons that they defined in the contract. The trial has to be in Florida and so on.

    Interesting info. The credit repair organization owner has a doctorate in law from what I read.

    I am so baffled by all of this. And feel very manipulated.

  2. #2
    Join Date
    May 2014
    Posts
    174

    Default Re: Fraudulently Obtained Limited Power of Attorney by Credit Repair Organization

    Quote Quoting BlckWntr
    View Post
    They failed to mention thier fine print though. It is your obligation to read the contract. Don't blame this on them.After I signed the agreement verbally over the phone they sent thier legal documents. There were 3 PDFs. I read the first one right after and everything sounded fine. I got sidetracked so I didn't read the other two until a week after. To my shock they omitted several terms while on the phone. EVERYTHING normally isn't mentioned on the phone - that is why they send you the contract to read.

    The most shocking giving them limited power of attorney to communicate on my behalf. How else would they be able to negotiate for you? What is it your expected them to do? They mentioned on the phone me allowing them to communicate with credit bureaus on my behalf but failed to mention I was giving them limited power of attorney. I know how power of attorney is legally obtained and they most certainly didn't do that. Sounds like they did.

    I sent them my ID, SS card and proof of address at thier request. They are disputing every negative item on my credit reports so are signing documents on my behalf. Okay, pretty much what you hired them for.... Since I never gave them POA Im baffled unless they forged a legal document stating I did. Again, you signed to them a POA, you admitted it. They are legally working for you in the form you asked them to.

    Such as that by agreeing to the contract.. I cant start a class action lawsuit.. or that if I do sue and they win I pay thier attorney fees. And that if I do sue It has to be for legitimate reasons that they defined in the contract. The trial has to be in Florida and so on. Normal contractual terms. You agreed to them prior to hiring them.
    What does it say about cancelling the service?

  3. #3
    Join Date
    Jun 2014
    Posts
    2,989

    Default Re: Fraudulently Obtained Limited Power of Attorney by Credit Repair Organization

    If you receive SSI. You need to look into a Pell Grant. I do.not see anyone giving you a loan for anything if you receive SSI. SSI is welfare for the disabled. SSDI is a different matter.

  4. #4
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,817

    Default Re: Fraudulently Obtained Limited Power of Attorney by Credit Repair Organization

    What did the organization say when you notified them that you were cancelling any authority granted under the power of attorney, and wanted the original returned to you? If you haven't informed them that you're revoking their authority to act on your behalf, and you want to do so, that should be a priority.

    Note that canceling their authority won't necessarily mean that you won't have to pay them whatever fee you contracted to pay.

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