This posting is made by legal counsel in correction and clarification of anonymous and other postings made to this blog by various persons concerning Last Chance Lists ("LCL"), the Uniguard program, and Daniel J. Richardson and his wife.  Posts made to this blog pertaining to the Richardsons, LCL and Uniguard are false, inaccurate, misleading, confusing and wholly defamatory and slanderous.  

LCL did not run a scam.  LCL was a reseller of a package called Uniguard Plus.  This package was offered by a very reputable company that has been in business for over 50 years selling consumer services.  LCL was NOT the marketer of the product.  LCL hired a Nevada firm to market the Uniguard package. This company was contracted to offer the Uniguard package through a ?bonus pop? question on various websites through affiliate marketers.  The ?bonus pop? allowed consumers to opt in to the Uniguard offer.  LCL never authorized the marketing company or any other party or person to market the product on a "payday loan" site.  LCL received written confirmation from the marketing company that the Uniguard program was marketed through a ?bonus pop? question and was NOT part of any auto-enrollment program associated with a payday loan.

The Nevada firm was also contracted to handle the customer service for the Uniguard product and was instructed to issue refunds immediately when a consumer cancelled the service. LCL has done everything they can to assure that every consumer who requested a refund did receive one.  
LCL learned in late January, 2010, that there were apparently problems with the customer service center.  LCL had no knowledge of any issues or complaints prior to this time.  LCL believes that the customer service center handled numerous programs and was not properly trained.  LCL believes that the customer service center apparently gave consumers incorrect information regarding the Uniguard program and how it was marketed.  LCL believes that the customer service center confused consumers and/or led customers to believe that Uniguard was related to other website offers or payday loans, which it was not.  LCL acted immediately upon learning of customer complaints and/or refund issues to ensure that all customer received prompt responses and refunds.

LCL did NOT offer any program other than Uniguard.  LCL is NOT related to ANY company offering any other website programs and LCL is NOT related to any company offering payday loans.  Our client operates a legitimate business and customer service is a priority.

Sincerely,

Cami Boyd, Esq.
Cami Boyd Law PLLC
7557 Rambler Road
Suite 560
Dallas, Texas  75231

got a charge on my account.

Payment Serv, Desc. 8773254873 was all that was listed on a charge for $124.95. I changed my checking account number that I had used on a Payday loan application. I called that 8773254873 phone number and got a recording something like,

"Thanks for calling our '24/7 Customer Service center', "Sorry but today is either a federal holiday or we are servicing our computers, otherwise we'd be here to to talk to you... We'll call you back in a day or two, Goodbye." (No chance to leave a message or phone number.)

Chances of getting the money back are slim to none. I reported the incident to www.ic3.gov anyway. I wonder why my bank couldn't just withdraw $124.95 back from their account - the one used for their deposit?

"I do not perfectly know who they are."
"All I know is that they will help me file a case against this company."
If you don't know who they are, then you don't know whether they are real or not.

"They said they will call me so I can give my testimony but I have not heard of them."
And if you wait much longer, it will be too late to get your money back with a fraud dispute through your bank.  That may be their goal.

CAF may be a sham "complaint" site set up to funnel consumer complaints against this company away from bank disputes or FTC or state Attorney General complaints.  

It appears to only be showing up in apparent shill posts connected to complaints against Dynamic Online Solutions or related payday loan sites.

yeah that happened to me too and it doesn't even have anything in their disclosure about taking anything out of my account whatsoever they got for over $365.00

straight scam

My friend also told me to call Consumer advocacy foundation about the charge I got but I do not perfectly know who they are. All I know is that they will help me file a case against this company. They said they will call me so I can give my testimony but I have not heard of them.

Who is this "CAF", and why do they and their alleged phone number, 409-877-4139, only show up in assocation with complaints against Dynamic Online Solutions or Kryptonite Credit?

If they are real, why don't they show up through phone number searches?
Why can't Google find them?

Yes, I called CAF earlier they took my information and they said that they will add my complaints  and  all those who has problem with this merchant and will file a class action suite against the company.

I had the same experience like you guys have.  I had a charge for the amount of $49.98 for this company. I applied for a pay day loan online when I found out that there was a unauthorized charge on my bank account, I immediately called my bank about this. The bank representative gave me the number for this merchant, they said that I need to verify or dispute about this transaction with them. I called customer service and they lady told me that I was a bonus offer along with the loan application. She said that it was written in the terms and condition which I agreed upon. I was so frustrated at myself not reading the fine print. The lady told me that if I wish to discontinue I can cancel this. I agreed to cancel. I ask if my money will be returned and they she gladly said that it will be sent to my bank account in 3-5 business days. I was surprised that it can be refunded after all I've done. She assured me again that the charge will return to my bank account. Good thing I called customer service. If any of you has a different experience like you did not receive your refund or whatever. I heard of one department which can help us. Have you heard about CAF, this is their number  409 877 4139

A bogus check was debited from my account for the amount of 19.98 without my authorization. I called my bank and explained to them the situation. They told me that I has to freeze my account and open a new one, for these fraudulent companies can continue taking money using another names since they have my information. I believe that this happened when taking a payday loan. If you can help it don't take anymore payday loans through the internet they are nothing but a bunch of crooks, as well. They might be in it for the deal; otherwise their sites would be secured.

Check out this site http://www.manta.com/c/mtcnz4l/last-chance-lists-llc.  It list this compnay as having 2 employees, being open for 6 years with an annual income of 120,000 and no listed products, or services.  
How on Earth has this company remained in busines with no products making that much money and only having 2 employees?

Does anyone know what payday loan site this is for?  I've applied to a few and didn't sign the fine print but some of those asked for bank information before going any further.  I want to stop them if possible.

The information from my internet search is below and should prove helpful to you and others.

"This is another scam site run by Last Chance Lists LLC, they run numerous websites including www.uniguardplus.net www.uniguardpluscs.com www.freedomcs.com in addition to many others. The Uniguard scam is as follows: you apply for a payday loan and then they tack on the terms for Uniguard and Freedom CS to the payday loan terms AFTER you sign your note for the payday loan. You can view these terms at loanterms.cl... note how there is no contact info for these services so that it is impossible to cancel.

The owner of the company is Daniel J. Richardson, Jr., he uses a UPS Store located at 4001 Santa Barbara Blvd, #353, Naples, FL 34104 as his business address. According to Collier County, Florida public records Mr. Richardson and his wife Pamela reside at a home in Naples, FL and also use the same UPS Store mailbox as their personal mailing address.

If you have been hit by Uniguard, you need to go to www.freedomcs.com and cancel the subcription ASAP or they will be charging you another $49.95 for Freedom Customer Services. Call Uniguard for a refund immediately (same customer service for both Uniguard and Freedom) and report the incident to the Collier County Sheriff's Dept at 239-775-8477. Also, report them to www.ic3.gov and www.ftc.gov... most people have a hard time getting money back directly from them so report the unauthorized charge to your bank immediately to get credit for it."

This company, Dynamic Online Solutions took $19.98 from my account without my authorization. The bank statement even has a copy of the check they submitted with all my information plus a fake signature on the signature line. I have had to put a freeze on my bank account and will have to open another account because these people have absolutely no concious about taking money from people illegally. My first hint of a problem came from a phone message stating they were from the "Firm" and unless I gave them $8,000 immediately they would come to get me and put me in jail. They called me a deadbeat and a number of other filfthy names alkl the while threatening me with arrest. I changed my phone number but this is the next step in the process. So BEWARE. It should be noted that on the check the written out amount is misspelled.

Dynamic Online Solutions charged my account for $49.98.  They said I agreed through a third party to pay for financial services.  I did not. They refused to return my money.  I had my bank block the company and deny the payment.  This is the email the company sent when I called them to ask why they charged my account:

The cancellation will take effect immediately. No further charges will be billed to your bank account.
If this cancellation was not intended, you may give us a call back at 1 877 807 4709 to reinstate your account.
Thank you,
CENTRALIZED CUSTOMER SERVICE
On behalf of: Freedom Subscription
www.membershiplogin.com
8550 W. Desert Inn Rd Suite 102-381
Las Vegas, NV 89117
1 877 807 4709

CALL YOUR BANK IMMEDIATELY AND DISPUTE THE CHARGES.  This company actually created a bogus check and now I have to submit a stop payment on it to my bank so they can refuse the charges.

Beware,
Nancy

OK so I called the number and they canceled my so called account I had with dynamic online solutions. Then when I asked for a refund for the fees the charged me, they said someone would call me back. I'll keep you guys posted as to if I ever get a call back or not.

I also received a debit from my account for $19.98 just yesterday. I'm afraid I'll get another charge for $49.99 like you guys above. I have yet to call the number on the check but how did they get my account information and how do I stop this??

Same thing happened to me, when I checked my bank account today, two transactions one for $19.98 and one for $49.99. I never have spoken to this company or agreed to any of this. When I tried to call Dynamic online solutions, rec'd some automated message saying they are busy and would call me back, never rec'd any call back. How can I opt out of this membership that I never agreed to and can't get a hold of the company. Very upset!

Wow, my account was also -19.98 today with a check number that I have alredy used paid to the order of Dynamic Online Solutions..who are these ppl? I have tried calling the 877 number provided on the check but just get no answer.. WTF????

I signed up for a cash advance but not for a third party membership to debit my account $49.98 and $19.98. They told me that the first charge was for a membership and the second is recurring fees that will be continuous if don?t opt out of their service. Like, how can they charge me recurring fee if I don?t even know what type of services I will be getting from this company. They needed to be stopped.