There are eyewitness accusations of theft by fraud of Valueplan disbursements, and when confronted about those specific accusations, Valueplan principals flatly refused to provide documentary proof, receipts, that no fraud occurred.
I have zero trust for Valueplan because they have refused to account for expenditures that were alleged to be fraudulent. They have earned my mistrust. Ya'll can trust whoever you want with your money, but when I demand receipts in this circumstance and am refused, I will not again let them spend my money.
Ever.