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Re: Has anyone purchased from Vallart Gardens? (by Joan C.):
Many collection agencies/companies have little to no integrity or business ethics. They collect a percentage, often 50% of the debt, so they don't care if the debt is legitimate or not. Those with any principles will listen. Submit a strongly worded letter to the collection bureaus such as Equifax and Transunion with copies to the regional or head office of your Visa bank. Make references to the forums here (use links) and on Tug2.net. Visa has been the c/c entity that has most aided and abetted VG with their scam and undoubtedly has hundreds of complaints. Also include a copy of your letter to your state attorney general with an explanation if necessary. Do this especially if you live in TX as that is where one of the principals of VG seems to reside, with dual citizenship. Or did. Also, NY state takes a serious interest in scams such as this. You may want to complain about the tactics of Monterey Collections as their connection with VG appears to be more than just that of another collection agency. "doing their job". I haven't seen any other collection agency ever mentioned and they were the scum bags who came after us.