I was formerly the Marketing Director for the S.M.A.R.T. company as well as Medical Credit Options. In addition, my wife and I paid $7000 to become a Net Branch owner. I have already gained legal representation and will begin the process of filing full legal action today against Frank DeSimone and his companies. Due to a failure on Mr. DeSimone's end to meet contractual obligations of the Net Branch buy-in, he agreed that a refund for the monies paid was in order. I have correspondence in hand dating back to mid-June that confirms his agreement to refund by June 30th. Needless to say we have exceeded that deadline by over 30 days. I also have commitment in hand from a member of his management team that $2000 would be rendered for the services provided to his company - including but not limited to: multiple logo designs, "flash" site banners, brochures, website, envelopes, business cards, and letterhead. Since that agreement was made on July 5 by the company's CEO, I have yet to see a penny. When inquiring about the lack of payment, I was told by the CEO that in the entire month of June - NO applications had been approved and NO providers had enrolled... as a result I would not be paid. With this said, please note a comment on this forum from a member of the SMART team dated July 8 stating quote: "Providers are being enrolled, Loans are being Submitted and approved and reps and loan brokers are being paid." Is this statement bares any truth, where is my payment? Since payment for services rendered has not been received, it should be noted that the materials being used for promotional purposes are unauthorized and prohibited. I must also add that I am not a disgruntled employee and hold nothing personal against any member of this company or the services in which it offers. I am however one of the many that have fallen into a deceptive trap set by Frank DeSimone to gain funds for various non-producing entities. I too am only after the $9, 000 total that is owed to me. I am welcoming any /all that have had this same misfortune to join me in pursuing class legal action against Mr. DeSimone. I have so far identified 8 that have filed some sort of complaint on the internet regarding funds owed to them - the numbers just don't lie. Prior to contacting me, please ensure that you have all documention in hand to support your complaint or monetary loss.