Miracle Management Group: How reliable are they?

goofy14you - who was the email from and did you get a tracking # as well? Just curious.

I am still waiting for a response from Hyla about my refund after I heard from her last week.

FYI ALL.... this is a copy of an e-mail from Hyla this morning. We shall see

"YOur refund will be issued and we are working on completing the process in order to issue the check to you. We strongly appreciate the patience, and assure you that we appreciate your patience, and understand your frustration. I am copying the email to the FTC as well, as I need them to see that you are being communicated to, and that your complaints are not
falling to deaf ears."

Here's a copy of e-mail from their FINANCE DEPARTMENT, denying the ARIZONA STATE BANKING PRESS RELEASE... read on

"Your request to cancel from the program has been received. Your account has been placed on hold to avoid any future monthly drafting payments and
to notify ALL departments of your request to cancel. Our department will be mailing you a cancellation letter...please sign, and return the letter to our office, and our department will begin your refund process.

The information you reviewed in regards to the statement you made about "Arizona" is incorrect."



Thank You,

Finance Department
Risk Management Partners, LTD.

Has anyone reported to the arizona banking commission lately that you are still paying into this company because they were ordered to cease all business in arizona and i see that there are several that are just now cancelling with them? But to the previous post, they did and do have an order from the commission and all they have to do is type in arizona banking commission and click on press release and it is right there in black and white no matter what they try to tell you in emails it is there, i wouldn't want to go against a court order if i were them would you?

Some of the newer members to this site have requested information as to what to do now. If you will pm me I will share the information I have collected from those of you here who graciously provided it. There are a few tactics that do seem to have results - but you have to be very firm and very persistent.

Those of you who have been given excuses as to why your check will not go out this week or have been promised a check by Friday, etc. - don't believe it. These are simply stall tactics. Call their (her) bluff and insist on more immediate results. Keep at it - it's the only way you will see any of your money again.

BTW - Misery and I are still working the group legal angle. We'll keep you posted.

Does anyone know if they have a contract on their house in AZ yet?

THIS IS THE COPY OF SOME OF THE ORDER FROM THE ARIZONA BANKING COMMISSION.

Quote:

I actually forwarded them the Arizona State Banking Press Release and asked " How can you deny this?" Obviously, no reply from them.

Skipper, what is your e-mail address? i would like any information that you can give me. Thanks in advance.

shaftedbymmg at mindspring dot com

Sounds like the FTC is getting involved now finally. If that's the case, the Stantons are in big trouble.

What makes you say that the FTC is getting involved?

worriedinaz,

any thing new, we don't know about?

I hope to God for this to be over soon!

Perhaps, we can all go out for one big drink for all of us! Wouldn't that be nice?.....

Info on FTC filing - I just filed my FTC complaint so I thought I would share what I learned. First, someone earlier posted to file at econsumer.gov and with Consumer Sentinel. When you file an FTC complaint, they automatically sent the info to Consumer Sentinel. They also state that econsumer.gov is for online transactions involving a foreign company. So all you need to do is file the FTC complaint.

To do that go to www dot ftc dot gov. In the menu at the top of the page, click on File A Complaint. Then fill out the form. It is pretty straightforward. You will need to enter personal contact info - otherwise it is just a waste of time. The web page says that you do NOT need to enter your Social Security number unless you are contesting information on your credit report. I don't think this qualifies. Then there are some specific entries to make.

How Did the Company Initially Contact You?
How Much Did the Company Ask You to Pay?
How Much Did You Actually Pay the Company?
How Did You Pay the Company?
Did You File a Dispute with the Credit Bureau?
Did You File a Dispute with the Credit Bureau More Than 45 Days Ago?
REPRESENTATIVE OR SALESPERSON
First Name:
Last Name:
Date Company Contacted You: (MM/DD/YYYY)
Explain Your Problem: (Please limit your complaint to 2000 characters.):

Some fields limit you to specific menu answers. Use your best judgement. I reported the total amount they estimated that I would need to pay to settle my debts and also reported the total amount I paid them.

One common complaint that we all have is that MMG/RMP (I reported both company names and the TX address) did not honor their agreement to negotiate and pay off our debts. I think that if we all report that, we will have a consistent and accurate story. Obviously you can put anything you want in the last field - this was just a suggestion.

There have been some posts recently indicating increased FTC interest. Understand that the FTC states that it does not address individual consumer complaints. It takes a large group of complaints as evidence of a particular company's dealings and then goes after the company (and hopefully the owners). So, if you want to give the Stantons their due, file with the FTC!!

Fubar,

I am guessing the FTC is getting involved because Hyla stated in an earlier e-mail (to guest) that she had to forward a copy to the FTC to show that she was communicating, and our complaints weren't falling on deaf ears. What about the previous years with lack of communication. Too little too late.

Even though we think they might be getting involved, I think we must proceed as if they are not. Keep e-mailing and submitting complaints to the FTC and others.

Thought I was logged in on that last post.

Citykid,

Have you gotten all your money back from RMP? A couple of pages back you said that you had gotten your second refund check for 1000 dollars and you were owed some more money. Did Hyla keep her word or are you still waiting for the rest of your money?

I am supposed to get the remainder of my money this week.

i heard their house is closing on may31

Everyone, I've received an email today that my first check for 1,000 will be sent USPS from the bank on 5/9/06.
Has anyone had any luck with receiving checks? Or are they bouncing?

Several folks have posted that their checks have bounced. So I recommend keeping the pressure on until the check clears your bank. Better yet, insist on a bank cashiers check. If this 1000 check is only partial payment, then I would recommend pushing for the total payment - don't take it in bits and pieces.

When i got my refund i got a cashiers check it cleard but the bank told me that if i didn't feel compfortable with the company to wait at least 2 weeks because they can stop payment on a cashier's check also, i didn't have a problem with mine but just so you all know that they can stop payment on a cashier's check just like any other check.

In the discussion on types of checks - I am not a banker or accountant, but here is what I have found-

Certified Check

A written order made by a depositor to a bank to pay a certain sum to the person designated???the payee???which is marked by the bank as "accepted" or "certified," thereby unconditionally promising that the bank will pay the order upon its presentation by the payee.

A certified check is considered the equivalent of cash since the bank, by its certification, guarantees it to be cashable. No bank is under a duty to its depositors or anyone else to certify checks since it involves the assumption of a new obligation for which it is primarily responsible. It is a commonplace practice, however, and there is usually a small fee for this service. A certified check is often required by a payee who does not want to rely only upon the credit of the drawer, the person who wrote the check. A sample of a check certification is shown below.

A payee who requires a drawer's check to be certified ensures his or her right to payment. Not only can the payee seek payment from the certified bank, but if for some reason the bank refuses to pay, the payee retains the right to enforce payment from the drawer. In this situation the bank is primarily liable while the drawer is secondarily liable.

Occasionally the payee or subsequent holder of the check???a person who has been legally given possession and the right to payment???will present the check to the drawer's bank for certification. Although the bank is obligated to cash the check, it need not certify the check because only it, not the drawer or any subsequent endorsers, would be liable for its payment. Some banks will certify a check in such instances only with the approval of the drawer.

If a bank refuses to pay a check that it has certified, its drawer or holder may sue the bank for its wrongful conduct, called dishonor. A certified check, a type of commercial paper or negotiable instrument, is governed by Article 3 of the Uniform Commercial Code.

So, it looks like a certified check is better than a cashier's check.

Is there a statute of limitations on when we can file a lawsuit against Hyla Stanton and Risk Management Partners? I am tired of all the stalling and BS and am considering going to an attorney to slap a lawsuit on them. I mean enough is enough!!!!!!

Quit waiting and get on with it! File now! I am still trying to locate an attorney to work with. SC doesn't have legal reciprocity with AZ so I can't use a SC attorney. I have talked to the office of an attorney in AZ but don't know if he will take the case yet. He was recommended as someone who does class actions on consumer issues. I'll keep you all posted.

Amy, I truly hope for your sake they are telling the truth. That would be great for you to get some of your money back. My response from her (Hyla) today was that she was trying to get my info gathered up to process my refund. Whatever, I will believe it when I have my money in my hand.

Shlunie, i think they send the same email to everyone because that is what they always say in the beginning of when you cancell with them, it is a wait and worry thing for eveyone.

First of all, Skipper YOUR THE BOMB!!! I would hate to have you on my bad side.

My reference to the FTC being involved with Hyla was made strictly on Guest's sharing of Hyla's response referencing the FTC. Like I said, if the FTC is finally involved that is the best news anybody can receive. I do agree that everybody should proceed on the assumption that the FTC is not involved. If you haven't filed with the FTC yet you better do so in order not to get left out like with the AZ banking commission. Keep resolute, you will obtain your goals.

Thanks, O Great Worried One. In case you didn't know, my most mentioned nicknames are A__hole and Bulldog. I have definitely earned them honestly.

To everyone else - file with the FTC. Now. Don't wait. If we have any momenetum here, you can help push it over the top! See my post above on the details.

finnally got a response via e mail from hyla. she said i will get my money but not sure when. ive heard that before

I am in direct contact with someone at FTC, I have forwarded some docs already, I want to share this with all of you, but since our number 1 enemy might be watching, I need to find a way to share this info with you guys, any suggestions?
I can't post my e-mail address directly beacuse of the same reason that if "public enemy number 1" is watching us, she/they can e-mail me too and will get all the info. I swore to the FTC official that I will not reveal his/her name until all evidence are gathered and their ready to make a move.

when I filed my complaints to FTC, all I did is send them a copy of all links that pertains to mmg including this forum, and I noted that did should speak for itself.

I meant... THIS should speak for itself

Guest...one way to share info could be to join this site, and then you can pm (personal message) others who are have joined. Only you and the person you sent it to can read it.

The other way might be to get a list of e-mail addresses from Skipper and send out a mass e-mail to all of us (providing others don't mind you having their e-mail address). I would be interested to hear what you know.

I agree with hclunie - the best bet is to join the site (minimal personal information required and they do not send you any spam at all - seems very well run). Then pm only folks that you know. We would just have to trust that someone will not pass along cirtical info to the "wrong people". Since none of us knows each other, there will always be some risk. This is the best solution I can come up with.

Guest - I don't feel comfortable giving out email addresses, but if you will send me the info, I will forward it to folks I have corresponded with. shaftedbymmg at mindspring cot com

Um that's dot com not cot com - need more coffee...

Guest who posted "i heard their house is closing on may31" - what information do you have? Do you know who the house is listed with?

Skipper - you should have a PM from me.

Anyone seen any checks yet

Nope! I haven't seen one.

i know a couple of realtors in the area and thats when i heard it was closing,i guess by reading on here that a couple of people have filed liens on the house if thats the case the house WILL NOT CLOSE without those being paid off either at closing before closing

just wondering how i would do a pm on this site

i was wondering if anyone has the mls number of their house thats for sale?

To do a pm on this site, you have to join as a member. There are no fees. You don't get any spam. They collect very little information from you. It takes about 5 minutes. Once you join, you log in, and, to pm a member, you click the pm icon at the bottom of a post by that member. You type your message and send it. Pretty easy. Also a handy way to communicate out of the watchful eyes of you-know-who.

skipper/hclunie
how certain r u that PUBLIC ENEMY #1 is not one of the people you're e-mailing info(s)to. Anybody can create a sign-in info and create a log-in name, but no assurance that the person is who she or he claim she/he is, right?

Correctamundo - I do the best I can to keep my radar tuned but there are no guarantees in any of this. I also think about "what if I mistakenly sent this info to someone at RMP?" What damage does that really do? So they know all the agencies we file complaints with. So they know that we know where they live and have a list of the properties that they own. All I think they can do is try to blunt our complaints with the agencies - which they will do anyway if an agency contacts them. They can try to deny the truth but they can't change the truth. If we deal in known documented facts, and an agency does the due diligence to verify those, RMP can talk all they want. The result is still the same.

If you are worried that they might suddenly try to hide assets, that process is probably already under way due to past lawsuits they lost and the AZ Banking suit. THAT IS WHY IT IS SO IMPORTANT TO FILE WITH EVERY AGENCY - ESPECIALLY THE FTC. Only federal agencies can cross state lines and take the Stantons on wherever they land.

This is very important - is there anyone out there who is a citizen of Arizona who is trying to get their money back from RMP? And is there anyone out there, from any state, who was supposed to be paid off as a result of the state of Arizona case and didn't get paid in full?

Anyone in either of these categories please contact me ASAP! shaftedbymmg at mindspring dot com

I just had a nice chat with the Arizona Department of Financial Institutions and they would be VERY interested to hear about anyone in either of the above situations.

To whomever posted the chayes at kpho dot com address - Mr/Ms Hayes is no longer at that station. The name does not show up on the web site and the email address bounces. Any ideas on where s/he went or who else at the same station might have some interest in picking up the story? Thanks

anybody heard from Hyla this week?

yes i have heard from her several times this week. she has supposedly sent me my check. via usps of course but still waiting. not holding my breath that is for sure.

kendra