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Review 5/28/2010
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I originally had 5 accounts. I gave $190 deposit. After about a month I asked to remove one account and a year later 3 more accounts leaving one account left.
I asked if I would be penalized in ANY way for removing some accounts and was told I would not. What they failed to say was that removing any credit accounts would be considered "terminating" my account with delray and would be forfeiting my deposit. Interesting, because that seems like a penalty to me! Wouldn't it have been great if someone had said "If you remove any credit accounts you forfeit your deposit"? Also I continued to pay the account remaining on my delray account thinking that my account wasn't terminated. Had I know it was terminated I could have saved the monthly fee of $35 they tagged onto my payments and just paid my last account directly. It's too bad they don't spell out what they consider termination of delray account, really too bad that their associates don't have any clue what a penalty is, truly terrible that this company doesn't think it a priority to answer the questions we ask fully and completely making sure that we don't come out damaged in the end. There is no problem with their system there is a problem with their lack of operating in good faith by neglecting details of penalization toward their clients. I'd suggest no one participate in this program. Call the creditors yourself, write to them, negotiate your terms. Best idea for everyone!!
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