It's simple, Beyond Finance tricked me into ruining my credit with the false hope of paying less owed to credit card companies by letting Beyond Finance take the lead in settlement agreements. They are not honest about how much they plan to charge as a company, which can end up being almost equal to the original debt owed.
Let me say this in another way, the monies they settle for with your finance company they turn around then charge you over half as their fees (Ex. You owe $9,000 with your finance company, Beyond Finance settle with your finance company for $3,600 then Beyond Finance tells you that they saved you $5,400 of the $9,000 you owed but in fact they charge you $4,200 in fees, so your savings is really $1,200).
I'm pretty sharp in researching a company before I get into bed with them but this time I was desperate and didn't do my due diligence. So as a warning to people like me that is really in need of a healthy fresh start, don't be fooled by Beyond Finance. I see they have an A rating on BBB which for the life of me I don't understand why.
I did ask to speak with the manager for a refund then the manager got on the phone and said "NO" I signed the terms and agreement. I asked to speak with someone else over them the manager told me "NO" that the buck stops with here (Hello again Ms. Malaysia).