James C.

To Whom it may concer n,

I have recently been ripped off by the shady practices of Ivy Capital/Fortune Learning System(FLS). It began with an email to do data entry for E-bay listing merchandise to be sold. That same day I was calles by FLS and told that was ok but I could do better and would be contacted by someone who would see if I qualified to start a small business and succeed in my attempt to earn some money to supplement my disability income. I was told I did, and they made a special deal for me and only charge me $4060. 00 as opposed to the full price, because they wanted to help me since I could not afford to pay the full price. I was then returned to Nick Coombs who would be my "personal coach" to help me through the classes. This was sold to me as a school type class to learn how to earn back the money I had "invested" in my future. Now they say since it was an "investment", and I have no recourse to recieve a refund. They say I signed a contract I cannot get my money back. I have always understood that a contract must be fulfilled by both parties to be binding. They do not seem to understand this. When I was "QUALIFIED" they should not have as I could not pay the full price to start with. They have chosen to charge whatever you can afford then bait and switch the whole shooting match. I asked Nick speciffically if the $4060. 00 was all I had to pay? I was told that was it. Then I was told by the Business Developmen Division that I needed another $2450. 00. I told Jerry Jubicki that I did not have it and he said they could take $1000. 00 down and loan me the rest, but I only had that call to decide. It seemed they do this often and the people can pay it off early with "NO PROBLEM". Sounds to me like I will be making money any day now. It was not until I found the complaints page I discovered that I need not pay for that or the FLS web-hosting($35.95/month) or the Wholesale Match (which they want $999.00 for lifetime connection or $399.00 for now and I can pay the $999.00 later) is also part and parcel of Ivy Capital/Fortune Learning System. So for 4060. 00 it has cost me 5095. 95 and no coach. Therefore I have spoken to FLS and they refused to refund my money. They told me, for the first time, that I had had three (3) days to cancel, but they took three (3) weeks to put the screws to me, and gave me a number to their lawyer to give to my lawyer like this is done all the time. I asked to whom I would be speaking and he said"Your lawyer will know what to do." Does this sound like a scam to you or what? Looking back I should have just hung-up on the first call. At least when he cut the cost "so I could afford" to help myself make money. I do not consider myself greedy, but when someone "trys to be helpfull" one thinks maybe this is good since it is E-Bay, what could go wrong? Wrong question. I should have asked "Who most benifits from this?". So here I am asking for 1) my money back and 2) justice for all this has happened to. Please, help me.

Yours in good faith,