Horizon Gold / Horizon Card Services
Reviews and Complaints

companys that cheat americans should be shut down or blown up if it was an honest company it would send CREDIT CARD not scam the american public

The web site really stinks and the products are junk. I should have been way more careful before trying this company to help me re-establish my credit. These people that are in control of these kind of companies are ###. I will go elsewhere to re-establish my credit before i go broke on buying over priced junk from these guys. But what is bad is it took $50 out of my account before i can drop this mess i got myself in... SO BEWARE of scams/ ran by ###.

I was tricked online to purchase a credit card as well as receiving a postcard through mail thinking it would help improve my credit to find out its just for their own products on line that look like it came from the second hand shop it is a scam i would like to advise anyone who receive this not to fall for it they have not credited my money back after being told it would take 72 hours can someone please contact me back with the customer service # its hard to get in contact with them thank you

They send out millions of postcards that say you're approved for a 500 credit line. Of course everyone thinks credit card, and thats what they bank on. It's really a online store card, but the online store is a complete joke. They make millions from monthly fees. When you realize its not a visa you have to call to cancel and then they fight you to cancel and refund your money. Total scam artists. Don't sign up. If you have already call the 800 number and demand to cancel with full refund. They will try to get you with a cancel fee. Continue to demand your full refund. If they still refuse call your bank and dispute.

I APPLIED FOR THIS CARD, THINKING AND ASSUMING(BY THEM) THAT IT WAS A VISA OR MASTERCARD. BUT IT TURNS OUT THAT IT IS A CARD TO ONLY PURCHASE ITEMS FROM THE HORIZON WEBSITE, THATS IT. I APPLIED A FEW DAYS AGO AND GOT AHOLD OF CUSTOMER SERVICE AND WAS ABLE TO CANCEL MY CARD AND GOT A CONFIRMATION NUMBER FOR THAT, PLUS AM BEING REFUNDED MY 29.95 FEE. THE NUMBER I CALLED AND TALK TO CUSTOMER SERVICE WHO WAS VERY HELPFUL WAS [protected]. HOPE THIS IS HELPFUL TO ANYONE WHO MADE THE SAME MISTAKE I DID.

The information was a little vague when i filled out the application for a horizon gold card, and i did not realize they wanted to take out $79.95 out of my debit visa card account. When they tried it came up insufficient funds. I called them the next day and told them what happened and said do not try to take the money out again, because i read about them on this web site and changed my mind. They assured me they would not try to take it out again. Well, they did. I called them back and told them i wanted my money back, that they promised they would not try again. I did not know they try for 21 days in a row before stopping. The guy turned me over to a guy named michael. He offered me first to refund $50.00 and try the card but i said i do not want the card. He told me the money would be back in my account in 24 hours. I said that is also one of the complaints, that no one ever gets it all back. Michael was very nice and in 24 hours my money was back in my account. I told him if they return all of it i would get on this web site and tell everyone about receiving all of my money.

As a former employee of Horizon Gold I must warn all people who are thinking of getting this card... DO NOT GET THIS CARD... it is a rip off. If you have this card call and cancel it immediately. The company is very misleading. If when you call to cancel and they tell you that there is a 20.00 cancellation fee, threaten a chargeback and you will get 100% of your initial fee back. You will be transferred to a so-called supervisor but don't be fooled, the person you are transferred to is not a supervisor, just a person who is there to try to make thcard sound better than it is. Don't let them convince you that this card will build your credit because chances are it won't even be reported to the credit bureau. If you are transferred to a supervisor You will probably be speaking to "Lori". Don't let her tell you what you want, demand your money back. If she gives you a hard time ask to speak with Kim (gen manager) or better yr=et ask for Rich (vice president). Don't let anyone tell you that they aren't in the office that day because they are there everyday. If they say you have had the card over 30 days and you aren't due a refund, go to the Better Business Bureau and your Attorney General. THIS COMPANY NEEDS TO BE SHUT DOWN.

Horizon Gold Credit Card is misleading and disceptive in promoting their credit cards. This Credit Card does not disclose the purpose for which you have obtained credit: a line of credit to their business website only! This credit card is a Website Credit Card only. Horizon should be investigated by the State of California Department of Corporations, Consumer Dept., and Better Business Bureau for unfair & misleading business practices. I emplore you NOT TO SIGN UP with a company that does not disclose the intent of which they are seeking. This company is seeking your purchases for their own business website and is not a a true credit card. I will further this complaint to the authorities.

I APPLIED TODAY 03-31-08 FOR A HORIZON GOLD CREDIT CARD. THE FEE WAS 95.99, AFTER AGREEING TO THIS AND BEING CHARGED, I FIND OUT ITS NOT A TRUE CREDIT CARD. THEY CHARGED THAT FEE FOR ONLINE SHOPPING AT THEIR SITE.! I AUTOMATICLY CALLED AND DEMANDED A REFUND, WHICH WAS NOT EASY TO DO! I KEPT GETTING THE RUN A ROUND. I TOLD TOM I WAS IN NO MOOD TO HEAR HIS SALES PITCH, AND I WAS GOING TO REPORT THEM TO BBB. HE SAID I COULD GET 50.00 BACK! I SAID NO WAY THAT IT HAD BEEN TEN MINUTES SINCE I HAD BEEN CHARGED AND WAS TIRED OF HIS BULL. HE PUT ME ON HOLD, THEN CAME BACK AND SAID THEY CREDITED MY ACCOUNT FOR THE FULL REFUND!PLEASE BE AWARE OF THIS RIPOFF COMPANY! IF ANYONE NEEDS TO DEAL WITH THEM, BE PERSISTANT, DONT TAKE NO FOR AN ANSWER, DEMAND A FULL REFUND, IT WORKED FOR ME.

I'm trying to figure out whether to cancel this card or keep it. I'm still waiting for my card which "hopefully" will arrive in a day or 2. I know this company is VERY deceiving but when doing a bit of my own research I noticed on their main page there's a thin window at the top with a down-scroll and that's where you can get a lot of info and the account "catch". So I'm waiting for the card and I'm going to check their site thehorizonout.com and if their products and set up works then I'll stick with it. Maybe it will help my credit score. Anyway, I get a feeling that I'll be cancelling it either way but I'll keep you all updated.

Customer service # [protected]

how do people get the chance to scam people? it needs to be harsher punishments for those who scam i mean i think companies who scam should face prison time for it and the people we trust to go after these people need to be pressured more and more to stop this crap

horizon need to remove all this scams and what is the goverment doing wake up taking pooor people money thats want to repair their crecit crooks

wow this two need to remove from the web site rip off horizon and union workers credit services, Inc .com

august 3 today i was going to purchase but thank god I look and read all the comments on this fake credit card the same company their names is union workers credit services, Inc same way say they are credit cards same company beware this one two worst finger hunt is better and safer sorry to hear that this fake credit card horizon thats why they dont have a customers phone wow I got gaught in the middle with union workers.com be careful just co on their web site saw that you see that what Iam saying is the truth they should get them of the web site this is a scam they need to remove our add sorry beware from this millions of scam and tis are two where are this people that are in charge to cath up with this scam from us that are poor people and that we are trying to survive there is a god tha t see this this people will burn in hell if they dont repent themself

i haven't received the credit card and the mailman said he hasn't
seen anything coming from you, the address is right i received everything except the card. can you tell me what's going on?

i agree 100% i feel that they are a rip off .like you i feel that they should be sued for not telling the truth in there adds, . or at les let a oerson get there money back out of them when you find out about this. i can not even find one of there stores on line to use it at even to see what junk they are tring to sell.if anyone knows of any of there on line stores or anywhere that you can use this worthless card please email me and let me know. thank you steve dahlstrom (IOWA) steve64dart@hotmail.com

so you cant get your money back from this ###? they advertise like it is a real credit card. i dont have any credit so i did this ### and its for there website. there website is ### and i dont want this card at all..so if i call do you think i will be able to get my money back in to my bank or i cant do anything abooout it?

Omg I got this card thinking it was a credit card after seeing its just for their online store I went to check it out never made a purchase but for some reason IRS a 6 dollars charge on my bank statement!

I think the law soon get all this people. We all have trouble with this spam people get money out of poor people. We do not know which one are spam till after they get your money. But I know who take care of them The Lord will take of them.

I though it was a credit card to . Now I do not know what to. Then I try to go to their site to find out how to use the card. Then they try to charge me again for a card. I thought I had lost the card and try to report it. So tell me want to do.

Just filed a complaint with the BBB. This company not only charges you a yearly fee 3x the amount of a cosco/sams membership and triple A membership combined. They charge you a LARGE processing fee on every order. And their customer service representativeS are very rude.

totally agree with what everyone is talking about! I am so grateful that i read the terms and conditions that is the part that we always tend to check the bock but never really read i have learned to take the time to read it because it pretty much tells you what the credit card does or whatever you are applying for. Trust i have learned the hard way in the past. By reading the t&c and reading all of these statement i am not going to get this horizon gold nightmare!

I have received a credit card from them also, when i received it it did only give you the priviledge to only purchase things on their website. They should make things clear to consumers who apply that this not a universal credit card and only be used on their website. To the person who will try to get their money back i want to tell that they are not going to reimburse you the full amount the longer you take the less they give you back . SO GOOD LUCK!

I have found this out the hard way as well, unfortunenately, they have already taken their fee off of one of my legitimate credit cards, all I want to do is cancel the entire card so no more money goes off my card, but I can't find a way to do this, do you or does anyone know where to go to cancel everything about this card? I agree, I was totally misled, even by the "live agent" so I was upset and just want out. Thanks to whoever can or will help me

How can I find the customer service number before my card comes.

Was lead to believe that I would be able to get top quality goods. I'm not going to use and I'm notifying my bank to stop any future payments.

THIS IS NOT A CREDIT CARD . I THOUGHT IT WAS A VISA OR MASTERCARD . BUT U HAVE TO USE IT FROM THEIR WEBSITE THE STUFF IS POOR I WANT MY MONEY BACK THE TOOK NO TIME TO TAKE THE MONEY OFF MY CARD. THEY ARE MISLEADING, U THINK ITS A REG CREDIT CARD ITS A SCAM NOT REAL I WONT BE USEING THIS CARD .

total fraud, i was suppose to get a credit card what got was ### card for sort cheap warehouse, with cheap merchandise! and i want my money back

This card is a piece of ###. This is not a real credit card. They should have been up front from the beginning. I went to the site and it's trully a bunch of ### that I would not put on my dog let alone myself or my children.

I ALSO GOT THIS INVITE IN THE MAIL SAYING THAT I WAS APPROVED AND I NEVER APPLIED I WENT ONLINE TO SEE WHAT THE CARD WAS I HAD NEVER HEARD OF THEM HOWEVER I COULD NOT GET INTO THE SITE TO GET ANY INFO BUT I DID COME ACROSS THIS PAGE I'M SORRY THAT EVERYONE HAD A PROBLEM AND I THANK YOU FOR POSTING BEFORE I SCAMMED TO
THANK YOU

I was excited to get my Horizon Gold Card in the mail on Saturday February 9, 2008. Then when I opened the envelope, much to my dismay, there was not a Visa or Mastercard credit card, just some cheap paper card. I have good credit and I thought I was applying for a REAL credit card. So on Monday February 11, 2008, I called the 800 number. (I would have called sooner, but their hours are Mon-Fri 9-5, or something like that). You know, with my other cards, I can call the 800 number 24/7. Anyway, when I called, I spoke to a Customer Service Rep., I just said that I wanted to cancel the card, period. He went on to say "BLAH BLAH BLAH" I said "NO I WANT TO CANCEL." He said " YOU HAVEN'T EVEN BEEN TO THE OUTLET STORE". I said "YOU HAVE NOTHING I WANT TO BUY. I WANT TO CANCEL THE CARD. I DO NOT WANT YOU TO TAKE ANYTHING MORE OUT OF MY ACCOUNT." I did not realize there was a monthly fee of more money. I'm thinking that if I had been able to get onto their site I would have been charged an extra fee. Thank god I couldn't. Back to my story. Since I was determined to cancel, he could not help me, he would have me talk to a supervisor. I talked to a supervisor and then a manager. Luckily, I was able to cancel my card. I even got a cancellation number and an email stating my request to cancel and my refund will take at least 72 hours to process. The FUNNY part, although the $79.95 they took out of my account immediately, I get a refund of $59.95, because there is a $20.00 cancellation fee. This card is a total SCAM. SCAM SCAM SCAM

THIS BLOWS BIG TIME!

Horizon Gold makes you think you are getting a regular credit card, charges you $79.95 and then when you get your card, all you can use it for is their outlet store. What a rip-off! I only got the card because like so many others out there, I just barely make it financially each month and wanted to feel some security if I had an emergency. I truly feel used!

I applied for the Horizon card and was leadt to believe that it was a Real Credit Card...I tried to log onto the site and it wouldn't let me on even with the log in information. I called custoert service and she did'nt know what I was talking about and and couldn't give me any information even eith my own account number. Now that I have seen all the other complaints regarding this company I will cancel it as soon as possible if they will allow me to as some of the other postings have not been able to. Thanks for the insight.

My wife receive this horizon gold card in the mail last night. Since im a goggle freak i googled horizon gold fraud just to c who these people really are and if there has been any complaint against them needless to say i came upon this website. There's too much complaint against them so i ripped it up for her. I did a little research on them and this is for the people who have ben scam, here goes. Horizon gold address is 1707 Warren Road Indiana, PA 15701 US. Guess who also resides at this address too, Reliant Holdings Guess who owns horizon gold www.reliantholdings.com and there phone #[protected] this website was created on 12-Apr-2005 the email associated with the website is rekane@reliantholdings.com www.thehorizonoutlet.com Record created on 03-Feb-2006. they havent been in the bussiness long enough in my opinion

My wife receive this horizon gold card in the mail last night. Since im a goggle freak i googled horizon gold fraud just to c who these people really are and if there has been any complaint against them needless to say i came upon this website. There's too much complaint against them so i ripped it up for her. I did a little research on them and this is for the people who have ben scam, here goes. Horizon gold address is 1707 Warren Road Indiana, PA 15701 US. Guess who also resides at this address too, Reliant Holdings Guess who owns horizon gold www.reliantholdings.com and there phone #[protected] this website was created on 12-Apr-2005 the email associated with the website is rekane@reliantholdings.com www.thehorizonoutlet.com Record created on 03-Feb-2006. they havent been in the bussiness long enough in my opinion

I am sorry for your losses and problems, but my thanks to you all for your postings. I was about to go to the website and accept this but I'm glad I found your postings. Thanks.

I received a postcard in the mail for this today. It showed I was pre-approved. I also noticed that the card they showed did not have a Visa or a Mastercard logo on it. That was a obvious indication to me that this was not a real credit card. Anyone with poor credit can get a card with HSBC or Tribute. Do not fall for frauds such as this.

I AM GLAD I DID NOT ACTIVE MY HORIZON GOLD CARD AM DO NOT SEND ME ANY BILL.S YOU SHOULD BE A SHAME TRY TO SCAM OLD PPL

I was mislead into thinking this was a real credit card. I charged the $79.95 fee to a real credit card that I have. I did this today about 1 hour ago. I tried to call my real credit card company and they said I would have to get this company Horizon Card Services. They are only open M-F (9-5pm EST) This is Saturday.

Any advice you can give would be appreciated.

Same experience. Everyone report this company to the Better Business Bureau (BBB.org) and give them all telephone numbers and/or addresses; fictitious names associated with Horizon. They WILL investigate!

Yes I agree to this, They took 49.95 off of my emrald card from H&R Block told me that I would recieve my card in the mail in 7-10 business days and here it is two and a half weeks later and I still did not recieve anything. I am kinda of irratated over this whole mater and I also was told that this was a mastercard and I sure enough hope that it is cause the web said that it was to help me rebuild my credit. This is not right then I go on the website to try and find a customer service number and I could not find it. Thankfully someone posted it already which I am thankful for. If anyone ever needs to get any kind of 1-800 number you can dail this number right here [protected] its called toll free directory powered by tell me Its gets me all the numbers that I want. But I tried finding this credit card company on it and it said that they don't list there number with them so I am taking it that this is a gimic. I am quite upset basically stole money from childrens mouths that is messed up...

If you have been duped by these idiots and need the number for them here it is.

[protected]

Call them to cancel your card/account, refuse all of their worthless offers, demand the cancelation in writing, if they doddle at all threaten to sue them. It worked for me.

this company is misleading and its no wonder the make the print sooo small so that no one would be able to read what the card ir really about, . this card is dumb and misleading, and the customer services they have also sucks, i cancled this card shortly after i recieved it and they didnt cancle it and these hole 6 months they've been chargeing me i new nothing about, this dumb because i cancled them long agao and there still chargeing me to have a stupid card i dont use.

I first would like to say its a privikege and a honor to be selected to be a horizon gold card member.Although, I was pre- approvaed as a possible potential member.The approval number is z3071787. however, I attempted to apply on line without the approval number after getting off work. Then I tried to document the approval number the computer would not let me in. At your earliest convience please make the necessary corrections thats needed. It popped up saying that I couldnt go any furter because it would be fraud.By all means I wouldnt never attempt that at all. I do apologive for any in conviences.Again thankyou very much for your complete cooperation.

always read the fine printed text on credit offers. i received a postcard to apply for a card through horizon and was going to till i read the terms on the card and found out you have to order products from THEIR website and they charge a lot of fees for service and cancellation. good luck getting any money back.

HORIZON CARD

https://www.federalreserve.gov/secure/iccs/iccsquery.cfm

Hallmark Bank & Trust Ltd.
PO Box 104,
Tropicana Plaza, Leeward Highway
Providenciales
Turks & Caicos...

Email: info@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]

Hallmark Bank & Trust Ltd.
PO Box 325 Station 'A'
Etobicoke Ontario
Canada M9C 4V3

Compass Prepaid MasterCard

P.O. Box 104
Tropicana Plaza
Providenciales
Turks & Caicos Island OR P.O. Box 325, STN 'A'
Etobicoke, ON
M9C 4V3
Canada

Telephone: [protected]
Facsimile: [protected]
Email: compass@lochaven.tc

Unauthorised internet banks

http://www.fsa.gov.uk/pages/Doing/Regulated/Law/Alerts/internet.shtml

Hallmark Bank NA
Hallmark Finance & Savings Bank (at hfshuk.50megs.com)
Hallmark Trust Finance
Hallmark Trust Finance Bank

Unauthorised internet banks

Federal Reserve Banks
Major Consumer Protection Laws
Contacting Federal Agencies
Online Complaint Form
If you have a complaint about a bank or other financial institution, the Federal Reserve System can help.

The Federal Reserve System is one of five federal banking agencies responsible for administering many of the federal laws that protect consumers in their dealings with financial institutions. The Federal Reserve investigates consumer complaints against banks that are members of the Federal Reserve System (state member banks). The Board of Governors, in Washington, D.C., works with the twelve Federal Reserve Banks across the country to ensure that state member banks abide by the law.

We help consumers by:
Identifying the appropriate federal banking regulator and referring complaints to that agency

Investigating complaints about state member banks

Answering questions about banking practices

How to File a Consumer Complaint About a Bank
What complaints are investigated?
If you think a bank has been unfair or misleading, discriminated against you in lending, or violated a law or regulation, you have the right to file a complaint (see "Major Consumer Protection Laws"). Complaints about discrimination in housing are covered by the Fair Housing Act. These complaints are investigated by the Federal Reserve and referred to the U.S. Department of Housing and Urban Development.

How do you file a complaint?
First, please try to settle the problem directly with your bank. This may involve contacting senior bank management or the bank's customer service representative.

If you cannot resolve the problem with your bank, you may want to file a complaint with the appropriate federal regulator (see "Contacting Federal Agencies"). If you cannot identify the federal regulator, contact the Federal Reserve Board, and we will forward your complaint to the appropriate agency.

For complaints about state member banks, you can use the online complaint form or file a written complaint with the Federal Reserve--either with the Board or with the appropriate Federal Reserve Bank. Please include the following:

Your name, address, and daytime telephone number

The complete legal name and address of the bank involved in your complaint

Your bank or credit card account number, if applicable

The names of the people you contacted at the bank, along with the dates

A description of the complaint. Tell us what happened, the dates involved, and the names of those you dealt with at the bank. The more information we have about the problem, the quicker we will be able to help resolve it. Include copies of letters or other documents that may help us investigate your complaint. Please send only copies of documents--do not send originals.

Please remember to sign and date your letter, and send it to:
Board of Governors of the Federal Reserve System
Division of Consumer and Community Affairs
20th and C Streets, NW, Stop 801
Washington, DC 20551
For more information, please call [protected].
Back to top

What will the Federal Reserve do?
Consumer complaints filed against state member banks are investigated by one of the 12 regional Federal Reserve Banks, based upon the location of the bank involved in your complaint. If your complaint is received by the Board and involves a state member bank, Board staff will forward your complaint to the appropriate Reserve Bank for investigation.

The Reserve Bank may contact you to request additional information about your complaint. As the Reserve Bank investigates each issue raised in your letter, it will --

Ask the state member bank involved for information and records regarding your complaint

Determine if the bank's response addresses your concerns

Send you a letter about its findings

The Reserve Bank will let you know if it finds an error or a violation of a federal law or regulation. Investigations usually last 30 to 60 days. If more than 60 days have passed, the Reserve Bank will contact you to let you know the status of the investigation. Please note that it may take several months to resolve complaints alleging illegal credit discrimination.

Although the Federal Reserve looks into every complaint that involves the banks we regulate, we do not have the authority to resolve every type of problem. For example, we are unable to resolve contract disputes or undocumented factual disputes between a customer and a bank. In these cases, we suggest that you contact an attorney. Also, we cannot investigate matters that are the subject of a pending lawsuit.

Complaints about customer service or disagreements over specific bank policies and procedures--which are usually determined by the individual bank--are not addressed by federal law or regulation. However, if you file a complaint, a bank may voluntarily work with you to resolve the problem.

Board of Governors of the Federal Reserve System
Division of Consumer and Community Affairs
Mail Stop 801
20th and C Streets NW
Washington, DC 20551
[protected]
www.federalreserve.gov

Fair Credit and Charge Card Disclosure Act of 1988
Requires that applications for credit cards that are sent through the mail, solicited by telephone, or made available to the public (for example, at counters in retail stores or through catalogs) contain information about key terms of the account. Amended the Truth in Lending Act.

Fair Credit Billing Act (1974)
Specifies how creditors must respond to billing complaints from consumers; imposes requirements to ensure that creditors handle accounts fairly and promptly. Applies primarily to revolving and credit card accounts (for example, store card and bank card accounts). Amended the Truth in Lending Act.

Fair Credit Reporting Act (1970)
Protects consumers against inaccurate or misleading information in credit files maintained by credit reporting agencies; requires credit reporting agencies to allow credit applicants to correct erroneous reports.

Fair Debt Collection Practices Act (1977)
Prohibits abusive debt-collection practices. Applies to banks that function as debt collectors for other entities

Gramm-Leach-Bliley Act (1999)
Regulation P -- Privacy of Consumer Financial Information. Describes the conditions under which financial institutions may disclose nonpublic personal information about consumers to nonaffiliated third parties, provides a method for consumers to opt out of information sharing with nonaffiliated third parties, and requires financial institutions to notify consumers about their privacy policies and practices.
Regulation H -- Consumer Protection in Sales of Insurance. Describes conditions for retail sales, solicitations, advertising, or offers of insurance products or annuities by state member banks or by others at an office of a bank. Prohibits coercion and misrepresentations and requires disclosures in connection with the initial purchase of an insurance product or annuity.

Horizon Card Services

Hallmark Bank & Trust Ltd.
PO Box 104,
Tropicana Plaza, Leeward Highway
Providenciales
Turks & Caicos...

Turks & Caicos Islands Bar Association

Official name Turks & Caicos Islands Bar Association
Address P.O. Box 97, Wiggleswoth Building, Leeward Highway, Providenciales
City Cockburn Town
Country United Kingdom
Telephone +[protected]
Fax +[protected]

Horizon Gold Card info

Complaints Board | Horizon Gold Credit CardHallmark Bank NA Hallmark Trust Finance Hallmark Trust Finance Bank Hallmark Bank & Trust Ltd. is located in the Turks & Caicos Islands a British Overseas ...
Horizon Gold Credit Card — misrepresentation! - 45k -

Hallmark Bank & Trust Ltd. office hours are 8.30 am to 5.00 PM, EST, Monday to Friday.

Email: info@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]

Contact: Greg Hurd, Millicent Grant or Brian Trowbridge

mailing address:

Hallmark Bank & Trust Ltd.
PO Box 656, Tropicana Plaza
Providenciales
Turks & Caicos Islands
British West Indies

Hallmark Bank & Trust Ltd.
PO Box 104,
Tropicana Plaza, Leeward Highway
Providenciales
Turks & Caicos Islands, BWI

Brian Trowbridge
Swann Trowbridge McKnight
Attorneys at Law.
briantrowbridge@hbtl.tc
BT@swannlaw.tc>
btrowbridge@hallmarktrust.tc or [protected].

Phone: [protected]
Facsimile: [protected]
Email: horizon@lochaven.tc

Unauthorised internet banks

http://www.fsa.gov.uk/pages/Doing/Regulated/Law/Alerts/internet.shtml

Hallmark Bank NA
Hallmark Finance & Savings Bank (at hfshuk.50megs.com)
Hallmark Trust Finance
Hallmark Trust Finance Bank

http://www.bradynet.com/bbs/newdeals/105978-0.html

Hallmark Bank NA
Hallmark Trust Finance
Hallmark Trust Finance Bank

https://www.blogger.com/comment.g?blogID=6667610717823381629&postID=5549985064458382471

Email: info@hallmarktrust.tc
Telephone: [protected]
Facsimile: [protected]

Brian F. J. Trowbridge, B.A., LLB, T.E.P. a graduate of the University of British Columbia Law School, a member of the Turks and Caicos Bar Association and a member of the Society of Trust and Estate Practitioners. Mr. Trowbridge is a Director, CEO and Chairman of Hallmark Trust Limited. He is also a piece of ### attorney practicing in the Turks and Caicos Islands and a Barrister and Solicitor practicing in British Columbia.De frauding people Mr. Trowbridge has written extensively on a variety of issues affecting the international finance industry on how to ### you over and has over 30 years experience in practicing jerk off law in this banana republic

### YOU BRIAN TROWBRIDGE you piece of ###ing dog ###

I have done extensive research on the person of Fidelis Anosike, who have assumed onwership of Nigeria's oldest and largest newspaper conglomerate through some dubious means and discovered that he is of questionable character.
Aside from the various quote I shall sshortly provide on this person, I will also as a former editor with the paper confirmed his unsuitability to run such a media organisation, which he obtained by colluding with the late wife of the ex-president of Nigeria, Olusegun Obasanjo.
Today, the state of the newspaper house is worse than what it was prior to its privatisation. In fact, the paper is no longer on the news stand, while most of the choice assets of the company have been sold off by Anosike and the proceeds fritered away on useless lifestyle.
Both present and old staff of the company are being owed millions of naira in unpaid wages and gratuity without any hope of such money being recovered.
Anosike was quoted by some of his present staff as saying that "I didnot bought Daily Times to pay salary," which means he is in the company to loot its property estimated at over 5 billion naira.
This is one privatisation that should be revisited by the government to save the media company from extinction. The whole process leading to the change of onwership was fraut with fraud and this require an urgent investigation bby the current leadership of the country.
SOME QUOTE ON F. ANOSIKE
Wednesday, June 30, 2004
Nigerian Woman Loses Miss World Claim

Angela Onyeador had claimed that she had made a deal with a Miss World agent to put up $360,000 as a guarantee for the pageant's World gala fund-raising dinner at London's Grosvenor House Hotel in return for 60 percent of the profits. But Justice Robert Reid said Wednesday that Allianz Nigeria Ltd., the company with which Onyeador made the deal, was not an agent for Miss World. The company was run by Fidelis Anosike, "someone who might reasonably be described as a thoroughgoing con man," the judge said. The company has now gone out of business and Anosike could not be reached for comment.

Fraud at Daily Times: EFCC Petitioned
Written by Jonathan Elendu Wednesday, 01 March 2006
Daily Times of Nigeria Plc has petitioned the Economic and Financial Crimes Commission (EFCC) against Fidelis Anosike, the purported buyer of the media group. In a petition dated February 27, 2006, which Elendureports.com obtained, the Managing Director and Chief Executive Officer of Daily Times Nigeria Plc, Okey Igwe, alleged that Fidelis Anosike sold the company’s interests in the Nigerian Stock Exchange building for nine hundred million naira (N900,000,000.00) and did not render proper accounts. They also allege that Anosike sold a DTN Plc property in London.
Another very reliable source at DTN Plc told Elendureports.com that Anosike’s plans all along had been to sell off
the media group’s assets valued at over four billion naira. According to this source, Anosike did not have the
financial resources or the managerial acumen to revive the ailing media conglomerate. Hence, he pounced on some
choice properties of the company as soon as he assumed control.

By By Uche Nworah
The Daily Times Institute of Journalism located in Surulere area of Lagos used to be a standard bearer in journalism education in Nigeria but the institution has now fallen on hard times, especially because of the financial distress of the parent organisation (The Daily Times media group), which has since been privatised by the Nigerian government and sold to the Fidelis Anosike – led Folio Communications for 1 Billion naira ($650m) under mysterious circumstances.
The new owners (Folio Communications) have been accused of underhand asset stripping tactics, and is currently embroiled in legal mitigation with some of the organisation’s key stakeholders, most especially the employees union.

PEOPLE AND POLITICS
2002: As the year ends
By
Mohammed Haruna

Professor Jerry Gana, the minister of information has categorically denied that the Federal Government has spent one kobo for the event. But the verbal exchanges on newspaper pages between Miss Angela Onyeador, who was contracted by Allianz Nigeria Limited to organise the Miss World Royal Charity Gala in London, and Mr. Fidelis Anosike, the boss of Allianz, has given the lie to Gana’s denial. In his brave effort to shield the First Lady, Stella, from Onyeador’s allegations of breach of contract on the part of Miss World Organisation, Anosike seems to have inadvertently admitted that government did underwrite the costs of a pageant which was supposed to be a purely private affair.
First, Anosike admits in an interview with Thisday (December 8) that “FCT was doing a lot in terms of support”. That support is very unlikely to have been purely moral. Second, Anosike says Julia Morley, the boss of Miss World Organisation, has collected 2 million dollars from Nigeria. “Nobody has come and sat down and asked at what point does she return the money?”

To all parties:

Hallmark Bank & Trust Limited does not issue unsecured credit cards. Hallmark is located in the Caribbean and issues secured credit cards to bank clients only.
The company involved is located at www.horizonservices.com not www.horizoncard.tc.

Please direct all inquires and slanderous remarks to the correct company.

This response confirms that the Division of Enforcement of the United States Securities and Exchange Commission has received your complaint.
We are always interested in hearing from members of the public, and you may be assured that the matter you have raised is being given careful consideration in view of the Commission's overall enforcement responsibilities under the federal securities laws. It is, however, the Commission's policy to conduct its inquiries on a confidential basis. The Commission conducts its investigations in this manner to preserve the integrity of its investigative process as well as to protect persons against whom unfounded charges may be made or where the Commission determines that enforcement action is not necessary or appropriate. Subject to the provisions of the Freedom of Information Act, the existence or non-existence of an investigation as well as information which may be gathered thereunder is not disclosed unless made a matter of public record in proceedings brought before the Commission or in the courts.

Should you have any additional information or questions pertaining to this matter, please feel free to communicate directly with the undersigned at 450 Fifth Street, N.W., Washington, D.C. [protected] or via e-mail at enforcement@sec.gov. We appreciate your interest in the work of the Commission and its Division of Enforcement.

Proshare News and Analysis
CBN confirms Nigeria’s Foreign Reserve at $43.6bn
Posted Wednesday, July 18, 2007
Deputy Governor of the Central Bank of Nigeria in charge of Operations, Dr. Shamsudden Usman yesterday offered insights into the status of the nation’s foreign reserve, declaring before the Senate that $43.6 billion had accumulated in the reserve as at last Monday.

This represents a marginal increase of about $600 million over the previous month’s figure. He also disclosed at his screening by the Senate for a ministerial appointment that N123 billion deposits belonging to private sector have been confirmed trapped in 14 banks after the market-induced banking consolidation exercise.

The funds are trapped in African Express Bank, AllStates Trust Bank, Assurance Bank of Nigeria, City Express Bank, Eagle Bank, Fortune International Bank, Gulf Bank, Hallmark Bank, Lead Bank, Liberty Bank, Metropolitan Bank, Societe Generale Bank, Trade Bank and Triumph Bank. Three of the existing banks namely United Bank for Africa Plc, Ecobank Nigeria Plc and Afribank of Nigeria Plc have however, taken over both the private sectors deposits and assets of Assurance Bank Plc, Lead Bank Plc, Trade Bank Plc, City Express Bank Plc and Metropolitan Bank Plc through the “Purchase and Assumption” strategy.

Responding to questions by Senators on the rationale for accumulation of foreign reserve at the expense of decaying infrastructure at home, Usman said “I am happy that the question has been asked because there is so much confusion about it and people say that we have $43 billion.

“In fact, as at yesterday (Monday), it was $43.6 billion in reserves and people think that the same amount of $43 billion is to be spent. Now, if you break down this $43 billion, about $31 billion or 71 per cent of this amount belongs to the Central Bank.

“So, we are like a Bureau De Change. The money was earned by the Federation; they brought the dollar to the Central Bank. We took the dollar and gave them naira and they have spent the money.” Usman told the Senate that all the three tiers of government had already shared $31 billion and spent it.

“All the three tiers of government have shared this $31 billion and spent it. So, it is like you go to a Bureau De Change; they give you naira; you go and spend it, then you come back and looking at the dollar that you gave to the man and say there is money there.

“So, $31.3 billion of this money is not available for spending. $2.3 billion out of that also belongs to the Federal Government. The only amount available in the Federation Account for distribution, which is the so-called Excess Crude, is about $9.9 billion and there are some transactions that are in the pipeline of about $1 billion.

“The net amount you are talking about is $8.8 billion. So, if there is any amount to be spent, that is the amount to be distributed. Now the question is that even if you translate that amount into naira, it comes to about N1.1 trillion.” Usman explained that spending this kind of money at such a short notice within the economy would create “a cloud or smoke of inflation.”

Company names used in WWW currency fraud
Company Names (975 names as of 4. December 2004)

Some of these names may very well belong to legitimate companies. If so, the company name and associated data/document(s) are fraudulently used by scamsters/gangsters.

HALLMARK BANK PLC
Hallmark Security Limited
Hallmark Trust Bank Plc.

---------- Editorial Comment ---------

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Fraud at Daily Times: EFCC Petitioned
Contributed by Jonathan Elendu
Wednesday, 01 March 2006
Last Updated Wednesday, 01 March 2006
Daily Times of Nigeria Plc has petitioned the Economic and Financial Crimes Commission (EFCC) against Fidelis
Anosike, the purported buyer of the media group. In a petition dated February 27, 2006, which Elendureports.com
obtained, the Managing Director and Chief Executive Officer of Daily Times Nigeria Plc, Okey Igwe, alleged that Fidelis
Anosike sold the company’s interests in the Nigerian Stock Exchange building for nine hundred million naira
(N900,000,000.00) and did not render proper accounts. They also allege that Anosike sold a DTN Plc property in London.
Okey Igwe, in the petition on behalf of DTN Plc, which is addressed to Nuhu Ribadu, Chairman of EFCC, claimed that
five hundred million (N500,000,000.00) from the nine hundred million naira was paid into the DTN Plc accounts with
Hallmark Bank Plc. Another two hundred and twenty million naira (N220,000,000.00) was paid into an account at the
Equitorial Trust Bank. The remaining one hundred and eighty million naira (N180,000,000.00) is yet to be accounted for
by Anosike.
The two hundred and twenty million naira (N220,000,000.00) lodged at Equitorial Trust Bank was fraudulently withdrawn
by Anosike according to the petition to the EFCC. Anosike is alleged to have colluded with some unnamed officers of the
bank in perpetrating this fraud.
Fidelis Anosike is the Managing Director of Folio Communications Ltd, the company which bought DTN Plc for one
billion, two hundred and fifty million naira during the privatization of the media conglomerate by the Bureau of Public
Enterprises (BPE). Sources very close to the process leading to the purchase of DTN Plc told Elendureports.com that
Fidelis Anosike and Folio Communications Ltd funded the purchase of DTN Plc through investments by an Ibo billionaire,
Ben Okoye, and Hallmark Bank Plc. The bank is said to have made available the sum of seven hundred and fifty million
naira (N750,000,000.00) while Ben Okoye invested five hundred million naira (N500,000,000.00). The seven hundred
and fifty million naira is a loan from Hallmark Bank which Folio Communications Ltd and Anosike were unable to repay at
the agreed time.
Shortly after the deal, Okoye is said to have told friends that he regretted the deal with Anosike and wanted out. He is
said to have sold his shares in DTN Plc to a group of lawyers for four hundred and fifty million naira, incurring a loss of
fifty million naira. With sustained pressure from the lawyers who purportedly bought Okoye’s shares, Anosike is
said to have signed over to them some DTN Plc properties valued at over seven hundred million naira. However,
Elendureports.com was reliably informed that Ben Okoye used the lawyers as a front to recoup his investments in DTN
Plc and made a profit on the deal.
Anosike had also entered into several agreements with Hallmark Bank Plc that would have led to the settlement of the
loans. According to our sources, Anosike reneged on all the agreements. This led to Folio Communications Ltd going into
receivership. However, after the last agreement with Hallmark Bank Plc, Anosike is alleged to have played smart by
announcing that he had repaid the loans to the bank and thanked some prominent Nigerians for helping resolve the issue
with the bank. He also announced his plans to revamp the media conglomerate. According to a source that was privy to
all the transactions, “Anosike’s announcement was not worth the paper it was written on. The man was just
blowing smoke and unfortunately some people fell for it.”
Another very reliable source at DTN Plc told Elendureports.com that Anosike’s plans all along had been to sell off
the media group’s assets valued at over four billion naira. According to this source, Anosike did not have the
financial resources or the managerial acumen to revive the ailing media conglomerate. Hence, he pounced on some
choice properties of the company as soon as he assumed control.
The sale of DTN Plc’s interest in the building by Fidelis Anosike was challenged in a Federal High Court in Lagos
by Anthony Idigbe, SAN, the Receiver/Manager of Folio Communications Ltd. Following the lawsuit, some bank accounts
belonging to DTN Plc were frozen. Citing some sections of the law, Okey Igwe, the Managing Director of DTN Plc
asserted that Fidelis Anosike lost all rights as a director of Folio Communications Ltd to the Receiver/Manager. The
implication is that Anosike acted without authority when he sold DTN Plc’s interests in the Stock Exchange
building. Igwe also stated that by virtue of applicable laws, assets of DTN Plc could not be used to settle debts owed by
Folio Communications Ltd.
The petitioner also asked the EFCC to investigate the sale of a property belonging to Daily Times in London by Fidelis
Anosike. According to Igwe, Anosike is yet to account for the London property. Elendureports.com was informed by a
Elendu Reports
http://elendureports.com Powered by Joomla! Generated: 25 July, 2007, 11:21
source that the London property of DTN Plc was sold by Anosike for three hundred and fifty thousand pounds
(¤350,000.00). The buyer of the property is said to have paid fifty percent of the purchase sum to Anosike. Ben Okoye,
according to our sources, discouraged the lady who bought the property from making further payments to Anosike.
Elendureports.com was reliably informed that DTN Plc had on two previous occasions written petitions to the EFCC
against Fidelis Anosike. The EFCC did not respond or act on the petitions. This attitude by the EFCC created the
impression in the minds of people at DTN Plc and Hallmark Bank that Fidelis Anosike has very powerful people behind
him. Anosike is said to have exploited this situation to his advantage.
Okey Igwe, Fidelis Anosike and Anthony Idigbe were not available for comments as at the time of going to press.
Email: jonathan@elendureports.com
Elendu Reports
http://elendureports.com Powered by Joomla! Generated: 25 July, 2007, 11:21

Dear Sir

We are attorneys for Hallmark Bank & Trust

Please be advised that unless you remove your defamatory remarks form the Web
We will commence legal action against you.

We have reported this matter as well to Yahoo and the FBI.

Yours truly

Brian Trowbridge
Swann Trowbridge McKnight
Attorneys at Law.

I looked up this so called Horizon Gold Card Company. It took an hour of research. They cant be touched since they are not on us soil.

Hallmark Bank & Trust Ltd.
PO Box 104,
Tropicana Plaza, Leeward Highway
Providenciales
Turks & Caicos Islands, BWI

Phone: [protected]
Facsimile: [protected]
Email: horizon@lochaven.tc

Hour online of digging up the real company. Listed below are the scam artists.