Email from one of New Beginnings client I had the pleasure to assist.Sent: Thursday, June 03, 2010 9:38 AMSubject: Thank You NoteVSCMy wife & I filed a credit proposal with your company on March 12, 2010 & had our first of two meetings with BDO NB on May 26, 2010. At the meeting we asked for advise on purchasing a newer vehicle since our old model required many expensive repairs. BDO mentioned a program that you were working on called New Beginnings & they gave us the contact person. We contacted VSC & asked what was available to us. They explained how the program worked & assured us that this was no scam & that he would be working on a fairly late model vehicle to get us started & he would not surprise us with impossible interest rates. He gave us some ball park numbers & to our surprise he came through with every promise at an interest rate of 9>10% just as he promised. He came within pennies of the numbers he quoted us & we will be picking up the 2006 low mileage vehicle this week. It was so refreshing to deal with such an honest respectful person even though we experienced some financial difficulties in the past. In our case the financial problems were brought on by a two year illness & wages being reduced to less than 40% at some times. At first we thought that the proposal would be a very embarrassing experience but in this case VSC made us feel like a valued customer & treated us with total respect. I would like to commend VSC, BDO NB & anyone else involved in putting this program together. I trust that this service will continue with VSC & I assure you that we will be long time customers of VSC.Thanks To All InvolvedFrank & Robin

Frank & Robin

I needed a car fast! I was recommended to Frank and he made it happen! I had a car delivered to me in 4-5 days! It was completely awesome!!! Very thankful to have my car! It was the easiest way to shop and buy a car! Thank you!


Words really can’t describe what Frank did for me. I was in a consumer proposal and in dire need of a new car. I was afraid to ask for help out of fear of getting back into debt with a major purchase. Then my car broke down and the bill to repair the car was more than the car was actually worth. I had no choice but to reach out to my Trustee and Credit Councillor who put me in touch with Frank which was the best thing to ever happen to me. Frank and Taylor (who worked with Frank to help me) treated me with respect by listening to my concerns and answering my questions with their honest opinions. Frank and Taylor both knew of my consumer proposal and was still able to help me secure a loan and get me into another vehicle in 2 to 3 weeks. If you are in a situation similar to me and find yourself in need of a new vehicle, I would highly recommend you reach out to Frank Gucciardi. Frank’s experience and ability to deliver speak volumes about his character and willingness to help people out. Thanks so much!!!!


I was put in contact with Frank last year by my son who purchased a vehicle from him. I was in dire straits and desperately needed a reliable vehicle to get back and forth to work My present vehicle was falling apart before my eyes . At the time that I spoke with Frank I was nearing the end of my bankruptcy Frank worked tirelessly and effortlessly to help me get a vehicle that is reliable. It took almost 6 months but Frank kept working on it ! I owe Frank my never ending gratitude for all the work that he did in those 6 months. He never gave up on me even though I did give up on myself. Thank you so very much to Frank and his team !!!


Frank was recommended to us a few years ago. We are now on our second car and I just want to say that I couldn’t of found a better person to deal with. Frank and his team went above and beyond to help us. I would highly recommend him to anyone who wants a pleasant and kind person to help them. He is an amazing person .

Mike and Debbie

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