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    Harpar Investments

    1.0 (1 review)

    Services - Harpar Investments

    Investment management

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    14 years ago

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    Parley Consulting - Save cash

    Parley Consulting

    (2 reviews)

    I was going through a rough time in life. I had just gotten out of an emotional depression. My…read morefinances were a mess, and I was on the brink of having my car repossessed. I put an Ad up online to sell my car. Someone from the Parley Consulting office contacted me, saying they could help me get rid of my car loan debt. I set up a meeting. At the meeting, I was asked if my car loan was with a bank. I told Randy that it was done at the dealership, to which he replied "Right, but ultimately your loan is with a bank, right?" (Remember this part, because it will be important later). I agreed that ultimately my loan was with a bank. I was told that they could also help me with my credit card debt. I was given various forms to fill out. I filled everything out. The direct withdrawal form was filled out for Parley Consulting to withdraw a monthly payment from my account, but I told Randy that I was not currently depositing money into my account because I did not know if the bank was still trying to take out car payments. I was asked if I would need another direct-withdrawal form, and I said yes. I was never sent another form. When they tried to take money *out of an account I had told them would not have funds in it*, the account incurred NSF fees. I paid on my end, and I paid them cash to cover the NSF fees on their end. I also paid for the next month's fee in advance in cash. So a few months go by, and they try to take money out again. My account was still a mess, so it comes back NSF again. I call them, because even though it's been 3 months and I have not sat down with a consultant about my car and credit card bills (they told me this part takes some time and they kept telling me they needed more information from me, and when I told them I gave them everything they had asked for Randy would say "okay I'll run this by my consultant. ").... anyways I called them to arrange another cash payment because I still thought I needed their help. I got their voice mail and went to Randy's extension. And I never got a call back. This is where the red flags started to go up for me. Had I been awful with holding up my end of things? Sure. Guilty as charged. But usually if you fail to pay a professional and reputable company, they'll at least give you a courtesy call or an email. I did not receive anything from this company. All communication stopped from their end. BUT they were still trying to take out their monthly fees. This whole process started in January for me. It was now April and I had not heard from anyone within Parley Consulting for at least 3 weeks. No progress had been made (they hadn't shown me anything) and although I was late on payments I had tried to reach them to pay them what I owed them plus extra payments in advance, but they simply did not respond to my calls or emails. The alarm bells really started going off when I started getting phone calls from a third party about my overdue credit card bill. Now it had been a solid month since I had heard from Parley Consulting. I had tried to reach them at least 3 times and no one ever called me back. So out of fear that my wages would be garnished, I called another debt consulting office. This other debt consulting office asked me one simple question : was my car loan through the dealership? I said yes, but a bank held the loan. He asked again: "But you sat in a dealership and you were approved right there at the dealership?". I said yes. Then the man tells me "There's a law in Alberta that says that if your car is repossessed and sold at auction (which mine was), and your loan was negotiated through a car dealership, when that car is sold at auction, the original loan agreement is wiped out. Gone.". (Remember when I told you to remember what Randy had asked me, and HOW he had asked the question?) So now, I'm getting calls from a third-party bill collector for my overdue credit card - so obviously Parley Consulting is not handling that for me. And I've just been told *for free* from another debt consulting firm that my car loan has been wiped out. But Parley Consulting had been trying to take money from me for months without even returning my calls/emails. In the end, I ended up negotiating my own payment arrangements with the third-party for my credit card. And I have never seen or heard anything from my bank about the car that was auctioned off here in Alberta. I strongly caution anybody from doing business with Parley Consulting.

    Some time ago I referred a colleague to Parley Consulting. The difference in his life has been most…read moreremarkable. With the guidance of Parley Consulting he is turning financial life around which is impacting the rest of his life in positive ways. He has said he feels much more confident about the future.

    Sun Life Financial

    Sun Life Financial

    (2 reviews)

    I had a meeting with a representative from Sunlife just to get an idea of what services he had to…read moreoffer. On the one hand, he did seem to know a fair bit more than me about financial stuff (no real surprise there). And he was reasonably friendly. But I decided not to go with them because of the experience I had with the rep. For one, my husband and each manage our own accounts, and work together to manage joint expenses (like rent, food, and bigger financial decisions). Typically I'm a little more proactive, like in terms of keeping records, trying to learn about investing, etc. than my husband is. However, the rep kept talking mostly to my husband, asking him about all the bookkeeping, and leaving me out of the conversation a bit - except for when he would explain financial concepts to me (and only me) with shopping metaphors. I kid you not, I felt like we were back in the 50s. Maybe I shouldn't have been surprised, cos the visual aids he had to explain some stuff looked like they were from the 70s or 80s in terms of style (and were a bit beat up). They may seem like small things, but I can't help but wonder how my experience would be with someone who can't even keep their materials up to date, and who assumes the husband does all the work and that the wife could understand better through shopping allegories. It was bizarre. Maybe their services themselves are alright; I don't have much to compare to. But I certainly won't go with a company that treats me in such a bizarre manner.

    My experience with Sun Life Financial hasn't been good to say the least. Although it may be true…read morethat the staff is friendly and helpful at times; the services they offer aren't the best and it seems to take them centuries to approve my short term disability. At first they didn't accept me because of little detail of my condition, so I thought why not a second time and this time I made sure it was the best it could be so they could be able to accept me. Now it's been more than three months and I'm getting impatient, what is taking them so long? Not only that, they seem to be avoiding my calls and voice mails, as if they are procrastinating to look and investigate on my short term disability. I'm getting more worried about their approval than my own condition. So to anyone who is considering to use Sun Life Financial I warn you and be careful of what you're getting yourself into.

    Harpar Investments - investing - Updated June 2026

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