Hi-

I wanted to add my comments about America’s Note Network and share my experience with them.

What happened:

My husband was up late one night in July and he saw an infomercial for Winning in the Cash Flow Business. The advertisement was that for $39.95 you get the books for the system and if you aren't satisfied you can return them within 30 days. My husband, Joshua, called and they kept increasing the price of the items and throwing in new things like a website and 250 note leads. He ended up paying $395.00 for the books and a couple of DVDs.

When we received the items I tried to access the note leads and I was unable to, and the website required that we have a username and password that was note provided to us. Right after we received the system that they advertise that you can use and it’s all you need to start making note deals they started high pressure sales calls. We spoke with a number of different people who were working to get us signed up for a “special” program with one on one coaching, a website, 850 note leads, newsletters, and number of other things for $6000.00.

Josh and I discussed it at length for a few weeks and numerous times we were called and we put the person on speaker phone so we could both hear and speak them and ask questions. I had one woman call my cell phone and inform me that they had scholarship programs where they pay half the cost of the program but we would still have to pay $3000.00.

Eventually we started talking with just one person named Jeff Donaldson. He told us that if we were serious about this program he could get us in for $5000.00, and to use a method called other people’s money, which means we could use our credit cards to pay for the cost and if we didn’t have one credit card with that amount available on it we could use multiple cards. They just wanted us to make the minimum payment and that they couldn’t have anything less than a success story.

He told us that neither he nor Russ Dalbey wanted anyone to be in a situation where they were going to drown financially, and he guaranteed that if within 90 days we didn’t make the money back and close our first note deal to pay off our credit card we used for our initial investment that we would get a refund of the cost of the program.

Here are the events that transpired the day we requested our refund.

I called 1 (800) 213-3800 on September 27th, 2006 at 12:43 pm and spoke with a representative, explained that we no longer we interested in the service they were providing. The representative informed me that he was unable to process the request from me and he had to speak to Josh directly because he signed up for the program, even though it was ok for me to sign documents. I put Josh on the phone with him and he verified Josh’s information and then informed him that he would have a representative call him from a different department that handles refunds.

He did receive a phone call 20 minutes after our initial call but didn’t make it to the phone in time. Josh called the office back and was informed that it could be 24 to 48 hours before he got a call back. I was visibly upset about this especially since my call had been returned in a timely manner with no issues just 20 minutes prior to my second call.

I called back and informed them that it was unacceptable for it to take that amount of time especially since only 20 minutes earlier we were told we would receive a call right away. Some time later we received a phone call from a representative who informed us that he was unable to issue us a refund because we signed a document saying there was no refund.

However our dispute with them was over the guarantee that was made to us. When we signed up for their program we worked with a man named Jeff Donaldson. In our conversations with Jeff Donaldson he guaranteed us that within 90 days we would close our first note deal and make back the money we invested in their program our we were allowed to get our money back.

He said this because “neither Russ Dalbey, nor I want to be responsible for anyone drowning in debt because of this program.” When we informed the representative we were speaking to that Jeff Donaldson told us this he kept asking us “How could Jeff say that?” According to the representative we were speaking to about our refund, all phone calls are recorded, so I told him that he needs to go back into the recordings and he will hear for himself the guarantee that was made to us.

In addition to that, the representative informed us that signing the document in regards to the refund was not required in order for us to sign up for the program but this was not a piece of information that was given to us prior to us signing the document, otherwise we wouldn’t have signed it. I have filed complaints with the Denver BBB organization and the FTC.

We paid $5000.00 for the program aside from the $395.00 Josh paid just to receive the books. We used our Bank of America credit card to pay $3000.00 and our bank account to pay the other $2000.00. We are disputing the $3000.00 charge through Bank of America and still need to file a dispute with our bank. I put every effort into this program. I purchased a web domain through yahoo and paid for advertising out of our pocket.

The website that Russ Dalbey provides you with is a crackerjack website. Everyone gets the same one, you can customize it but the website addresses are all the same. The name of the program is called the Protégé program, and when we called to get our refund the guy we spoke to signed us up for Master Marketing. I even signed up to be an affiliate with winning in the cash flow business so that if other people sign up for their program and I can make some money from that. I am aware that this all sounds really jumbled, and it’s confusing in many ways, but there are so many times we had contact with these people it’s hard for even me to keep track of them all.

Consequence(s): So far the consequence has been that we lost the money we invested, a total of $5395.00 not including the cost of the yahoo domain and advertising. Now we are struggling to stay above water financially, and we aren't making any money from this system as was guaranteed to us.

I have contacted many consumer advocates and shared this information with them and am currently awaiting a response.  I have filed a complaint with both the BBB and the FTC.  Of course America’s Note Network did not respond to the complaint filed with the BBB.  I also have contacted an attorney about starting a class action lawsuit against this company due to the disturbing reality that there are THOUSAND of people who have lost MILLIONS of dollars trying to invest in their success and just ending up duped.