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What ever you do, dont put your money with merrill lynch, either directly or indirectly. After working out of town under another UA local contract for a year, I tried to get back my annuity money that was handled by ML a year after the last of the the last payment was made into the fund by my employer at the time (making the acount inactive). Well, i've been going back and forth for months now trying to close out this unactive account and get my hard earned money dispersed to me. But each time i try to get the procedure in motion, ML and their client (the ua local that i worked under) cant seem to tell me exactly what procedure to take to get my money dispersed to me. I called and sent the letters that I was asked to do, and then after not hearing from anybody or recieving my money, I call the UA person that is in charge to find out they he had my letter of request sitting on his desk for weeks without taking the responsability to carry out the dispesement request. Then a few weeks later I call again and I'm notified that I need to fill out a form, that i was told nothing about before. I asked for the form and was told it was sent out weeks ago(another obvious lie), but I still never recieved such a form. When I contact ML about it all they tell me there is nothing they can do, its all up to the person handling it all at the UA local end. The person at the UA local end has been anything but responsible in executing my request for my money and directs me to contact ML. Now I'm being tossed back and forth. I'm begining to believe that somebody or some party has a financial intersest in keeping my money from being dispersed to me. I keep going round and round with both parties and they keep directing me toward eachother for answers, each claiming that they are not responsible for making the dispersement. If this is the wey they do business, I must strongly warn every hard working american against doing business with Merrill Lynch in any capacity!!!!!!!