Vanguard Credit Publishing, Corp 265 S. Federal Hwy Ste #350 Deerfield Bch, Fl. 33441 800-371-6219 On 1-26-99 I contacted Vanguard in regard to a debt consolidation loan. I spoke to a rep by the name of Robert, he took my info and called me back and said I was approved for a 20,300 loan, which would clear my debt with my creditors. I asked him questions pertaining to the loan such as interest rate and how many years and payment, which he answered. He informed me that a 289.00 application fee was needed. I sent a money order for that amount the next day. I did not hear from him for a few days so I called him. He told me that they were referring me to a company to handle the loan. Again, almost two weeks passed and I finally was contacted by an individual from a company called Goldshore. This individual knew nothing of a loan and wanted to set up a debt managment program for me, this is not what I wanted and I realized that Robert had misinformed me. I immediately called Vanguard, they told me that I needed to write a letter and send any materials they sent me back to them, and my money would be returned. I did so, and another two weeks went by. Finally I received a letter of denial, I called once again. I spoke to Nancy in customer relations, and explained that I was denied on the basis that I did not cancel within 5 days, but that goldshore had taken two weeks to contact me and than I wrote the letter to get my money back. She assured me that if I wrote a letter of appeal that I would get my money back. Well, that was four weeks ago and still no money. I have called Vanguard, 14 times, I have been put on hold, hung up on and promised to be called back. I finally got Nancy on the phone and she like the others was quite rude and told me that I was denied and that was that. The treatment of me by this company has been horrendous, I tried to explain to them that the reason I needed the loan because of a large debt, so 289.00 is quite important to me and my family. Charles McKenna brooke@catskill.net