Cambridge Credit Counseling Corp.

I have had a total of 19 plus emails with John. I am angry in that he got all of our personal information. We signed an agreement and he then told me of the dates we could have the withdrawal from our account. I felt the dates should have been mentioned prior to John completing the info. I told him the date he had placed on the forms we completed was not a good time of month. I am very angry John told me he had to change a code on the form. We were unable to get the form with the new code on my email. I finally gave John a new email; he sent the same form and then told me the code I gave him was not correct. This has been going on for over a week. I am ready to move on and want nothing further to do with John **. I believe this type of business should be done in face to face meetings, but when I called a local number in the area we live in somehow we got linked to Cambridge Credit Counseling. I googled this company and found this company has many complaints against it. I am concerned because they have our personal information now and nothing has been done to assist us.

I paid Cambridge Debt counselors over $500 to help with my bills and to get me started in the program. I ended up filing bankruptcy anyway. Then I received a card that they were in a lawsuit and my money would be sent back to me. I have never heard anything else. I would appreciate someone email me and let me know.

I paid Cambridge Credit Counseling Corporation over $500.00 a month for over a year and none of that money went to any of the accounts they were supposed to be paying?? I had to go to court and got a judgement filed against me for not paying one of the accounts. I received $35.00 from the class action suit against them????? I paid them over $5000.00 dollars in a year and I get $35.00 what the hell is the deal with that??????

I contacted CCC for credit consolidation. I got a single postcard in the mail stating a class action suit. That was the only thing I have heard about it and never got another notice and have never been contacted again. What the heck. I would like to get my reimbursement. Thank you very much.

The last correspondense I received was a postcard. The date on it is December 15, 2008. I know it has been settled on behalf of the plaintiffs and I want to know when I will get my percent of the award? My credit has been terrible ever since I dealt with them. I will NEVER go through ANY debt counseling service EVER again.

I signed up through their consolidation program and $401.00/month for 3 years, including a $25/month fee to them. In the end, I still owed all of the debt. I had to go to collections with one company and am still trying to pay the others. According to the two companies, they never received a dime, even though I have copies of all of the bank checks paid to Cambridge.

I joined the Cambrige credit counseling,I had alot of problems with them paying my debts. I still ended up doing Bankrutcy, and did not know what they were doing. I received a notice of class action,and was furious that rhey did this to me. I am still wondering if I am going to be reimburst the money I lost? Gow do I find out about this, I was with them for a long time.

I have used them to consolidate debt twice. Once in 1997 or 1990 ans then again in 2000 or 2001. They were paid in full both times from a refinance of my home. I do not believe that Circuiy City was ever paid in full do to being sold to a collectionn Agency. That job to make sure that they were paid was up too the debt consolidation company. To tis day I don't know if all the money that I paid to them was paid to my debts.

And to make it worse the mount they charge you to get started that is so hard too. I would love to see where all the money that I have given to Cambridge Credit Counseling even went where it was supposed to go. still trying to fix my credit history.

I paid money and they did not pay my debts on time and I am unsure of some payments at all were made. They told me to refer all debtors to them and not pay and charged me a fee of around $90.00 to get started. The rep said this was a one time charge. It has been about five years now but I still have some documentation. I recieved a postcard on a class action lawsiut against them and have heard nothing else

My credit was put in a higher risk and now is very poor.

The fact of the matter is I have been calling Cambridge since mid August and no one ever answers the phone, it's an automated message that everyone uses...(if u want this, press this), but when u get to the customer service part, no one ever picks up. I desperately need to speak to someone at Cambridge about my acct., at this point I have no clue what's going on with my funds or what's going on at Cambridge. If someone could email me info on how to contact someone there I would really appreciate it. My money is being withdrawn each month, and I'm getting calls from creditors and 3 of my creditors dropped me from the program because of Cambridge not paying them on time. I'm truly fed up and just need to speak to someone. Is the company closed?

A few years back, I had a string of bad situations that ran up my credit cards. I was making my payments o.k., but I wanted to consolidate them so I could make one payment monthly. instead of 3 or 4. I became a client of Cambridge Credit Counseling and from that moment on, I went down hill. I kept telling my sister that there was something terribly wrong there, my payments kept changing (increasing). I just began to have real bad feelings that there was something terribly wrong there. I finally called my personal counselor (do not remember his name) and complained to him on what I thought was happening. I almost passed out cold when his voice got real low and told me he thought it would be best for me to file bankruptcy.

For starters, isn't it a little odd, that your counselor at the debt consolidation company was actually telling you to file bankruptcy? I had no choice because I had NO money left for anything else. So, not only did my credit go down the tubes now I was really broke. I support myself, only have 1 paycheck to survive on and they steal from me. What really burns me is that they are still advertising to guarantee to help people get out of debt. How may other people's lives are going to be destroyed or very nearly destroyed before these crooks are stopped?

Severely depressed for nearly a year, Had to file bankruptcy which I did not want to do. Destroyed my credit. It was fine before I trusted them to help me out. A terrible, terrible experience. I hope I never have to endure anything like that again. And I hope they get what they deserve - losing just about everything they have, dignity included.

I joined CCC about 3 1/2-4 years ago because I needed to consolidate some delinquent accounts and get them paid off quicker. CCC said it would take about 3 years to do this. According to their contract, they were not supposed to take the money out of my account prior to the 14th of each month, unless the 14th fell on a weekend or holiday. However, it seems that their own contract means nothing to them as they take their money out of my account whenever they choose. As the account I use for CCC is not my primary account, I deposit the money for CCC into that account prior to the 14th, therefore if they take the money out early - I end up being charged overdraft fees.

Additionally, I have requested on several different occasions for a time frame as to when my debt will be paid in full and they can NEVER give me a straight answer. They always tell me that they would need to see copies of my monthly statements from the credit accounts. Am I missing something? Aren't they the ones who set up the payment arrangements in the first place? Wouldn't they have this information and the ability to look it up? I still have roughly $2000 left to pay on my accounts after 3 1/2 - 4 years of paying almost $200 a month. I thought CCC was supposed to be a free consumer debt relief company - so how come they can get away with charging a monthly fee? I have paid almost $200 a month for (conservative estimate) 3 years that amounts to $6156. Why isn't CCC's monthly fee disclosed on the statements they send out each month?

I have lost hundreds of dollars in overdraft fees over the years, not to mention that my debt should have been paid in full within 3 years (as they informed me when I signed up)and now, including their fee and the overdraft fees I have incurred, I have paid well over the amount of debt I originally had. Their complete disregard for their own contract has led to stress, anxiety, and loss of sleep over how I can pay for the overdraft fees, and still keep up with my monthly payments. I have a house and other bills that need to be paid as well.

I was with them for over 5 years and they almost ruined me and my credit. I trusted them to help me but by the time i found out they Cambridge wasn't it was to late..Kyrun martin

Stress of creditors still calling after paying Cambridge Credit Counl. Was to much to take so i went else where. I almost lost my marriage over it. I would love to speak to a attorney about this company.

In our greif over the next few years we over spent our budget and it quickly got out of control.

I became physically disabled in 1991 and have been on disability every since.

When the payments on the cards became more than we could handle I was looking for some way of consolidating our credit card debts and saw their name on the back of a Christaian magazine and thought they would be up front.

We had to pay a fee up front and then then a monthly fee up front which meant our monthly payments increased. They didn't tell us that we would be basically going into bankruptcy. They were late with our payments of aprox.$1000. per month They said they were free but charged us aprox. $100. per month.

They did absolutly no credt couseling. It took our credit rating down so low that we finally were able to pay them off in a few years by refinancing our home. Only a fedral bank would accept our loan and threatened us every month that our house would be taken away if we didn't make timily payments. We had perfect credit until this time.

We have worked hard to get our credit back where it was. Because of this and the housing problems going on we are barely able to make our house payments and still eat. As of now we are in an interest only loan and we still may loose our home if things don't get better.We can't even sell our house besides the fact that houses aren't selling the value has dropped on our house and we wouldn't make enough out of it to purchase something else. It's all a rebound effect. Our bad judgemet in a time of need and their ability to steal our money and credit. We also adopted our grandaughter when our son died. The Credit cards were also used to help us do that. Now we have a 14 year old daughter to take care of. It's hard to tell her we can't buy her things she needs.

The huge up front fee the extra handling fees every month after 4 years of paying on something i was told would take 2 years to pay off I finally inherited some money to pay it all off, and they RUINED my credit then i hear about the lawsuit I filled out the paperwork, and I never heard another word. Who got the settlement they are talking about WHEN WILL I GET MINE?

My credit was ruined and they ripped me off

I want to be included in the restitution. I had to file bankruptcy because they misled me into thinking they could help me pay off all my bills.

Bankruptcy.

When my wife and I joined CCC we were told the same as many other people. We had a high upfront fee to join, endless empty promises. After joining, we received several threatening phone calls inquiring about why we had missed 6 months of payments and our credit score plummeted and we couldn't get financed for anything without paying an astronomical finance charge. I made numerous phone call and emails with no success. When we finally got out of CCC we were in more debt then than when we started and was out of a tremendous amount of money. I would love to know if there some sort of legal action I could pursue.

Failure to comply with the agreement that I had with Cambridge to consolidate my credit caused me to lose money and more problelms with my credit and creditors. I really feel I deserve to be included in this settlement and that my money should have been refunded years ago.

I paid them for three and a half years. When I started paying them I was 41,000 in debt. When I stopped paying them I still had $37,520 outstanding. I then joined CCCS in Washington and in three years and 2 months my debt was paid off.

They told me that they would help me reestablish my credit. With a low interest rate. They took out $250.00 out of my checking account. I have tried to call all I get is an recording and i leave messages and they still will not call me back.

I have subscribed with Cambridge Credit Counseling in Dec 2005, and they set up a monthly amount of $279.00, recently I have checked up my credit report and I found out that my payment was late for six consecutive months from March, 2006 to August 2007.

I called the customer representative many times and explained them the situation but no help or response.

Finally I spoke to the manager personally and explained to her my concerns and she promised me to resolve the issue as soon as possible which never happened.

Because of the late payment on our credit report we couldn't sell our house and buy new car. Also we are paying $27 monthly fee to Cambridge Credit to process our payment on time.

We couldn't get any loan, because our score is around 600 or under and if we get it the APR is going to be too high. When we signed up the contract, the customer service representative told me that if I signed up with them my credit score should go up as long as I am making payment on time and should increase my credit score.

I signed a 59-month agreement with Cambridge Credit Counseling. I have never missed a payment and took it upon myself to completely pay off two of the four creditors covered under the agreement. One of the remaining creditors was sold to another company.

I experienced nothing but confusion and shock dealing with Cambridge. They bounced me back and forth in an effort to change dates/amounts, etc. After four years, one of those balances is almost as much as when I started. I paid $544 up front and a monthly fee to Cambridge being told that professionals are managing your accounts and instead of sending out countless checks each month, you make one simple payment ot us and we will take care of the rest -- they sure did!

Additionally, I was told that my balances would be reviewed by Cambridge annually, so that we can confirm that your balances are decreasing according to your debt repayment schedule. That never happened!

We have been at Cambrdige Counseling for 3 years- we had to pay 1,806 up front and paid 180 a month (processing fee) that has recently been reduced to 50.00- so all and all Cambridge has taken 6,126 in processing fees in the last 3 years and my accounts have barely gone down. I was also told that my accounts would be paid off in 3 years- we are going on 3 1/2 with no end in site and we have been told by Cambridge that if we leave all the money that we have been towards our balances would be for nothing becuase our interest rates will go back up to 22%!- I did file the paperwork for the lawsuit but I have not heard anything yet. Please help.

we have been using ccc for about 5years now and it has worked for us and we have almost finished all are bills they worked on.

Its hurt my with Discover card services and sears. Now I can not use theses credit cards at all.

My husband and I were ripped off by this company. We paid $429 per month for two years and many of our debts increased instead of decreased. We did recieve a form for the class action suite--but unfortunately misplaced it before it got mailed back.

I have been a client of Cambridge since 2002 and they told me at the time I signed up that it would only take me 2 years to pay off my debt. It has been over 4 years and I am still paying them. My balances have barely gone down on the credit cards. I received a document to send in to an attorney regarding the lawsuit against Cambridge stating that I was eligible to receive money back from the suit. But I have lost the paper and need to receive another one. Can you help me with this?

My credit looks worse than when I signed up with them and I'm still paying on the cards!!!

In 2001, the financial advisors The Dolans recommended Cambridge Credit Counseling on one of the network morn ing shows. I was trying to get out of debt and to make it quicker, I called them and signed up. At the time I did this, I had excellent credit and was paying my bills on time, but they promised lower interest rates and the ease of one payment.

After a couple of years of creditors calling saying they had not received my payment even though I made it, I dropped out of their program and started paying them back. My cards are higher than ever even though they are closed out and my credit is completely wrecked. I have had to get loans against my house, etc. and there is no end in sight. I regret the day I ever signed up with them.

I am in the US Air Force and was moved to South Florida for my assignment. Since being here we fell behind on some of our bills. I received an email about debt consolidation and replied to it.

A few days later a gentleman called me. He explained the company and the program to myself. We gathered all our bills and monthly statements together. I faxed all the information requested by the company. Within hours Forrest called me and stated they could help me, and that he needed $964.00 to start. And that all of our creditors would be contacted. This was June 27.

He also stated that the money had to be in the form of a money order or cashiers check, that it could not be a personal check. We sent this company our money, hoping that our worries would be over soon. However, creditors continued to call us about a payment. We told them that it was being handled by Cambridge Credit Counseling. We also gave them the name and number of the company.

After about a month creditors were still calling. Most of the creditors said they were never contacted by Cambridge, by letter or phone, and that they could not talk to anyone at the number, no one would return their call. I also called and was unable to speak to anyone, I left several messages on Forrest's voicemail but he never returned my call. Cambridge actually hurt me more than they helped. I paid them $964.00. What happened to my money? After all this it actually got me and my family even further behind on our bills. I have yet to hear from this company.