We financed $2500 dollars through Haverty's Furniture in one of those 2 year "same as cash" deals. We never received an invoice. However, we kept good notes and knew when the amount was to come due, who the players were, and so forth. A month before the due date of our payment, we started our attempts to contact the credit company and Haverty's. No one could find our account. The sales person at Haverty's suggested we just "forget it." No way, we thought.
After several phone calls, trips to the Haverty's store, and several letters, someone finally "found" our account. And, they subsequently took our money. Guess what? A few weeks letter we received a letter with our original $2500 account balance, late charges and two years worth of financing charges? And with a smile, we produced our receipt.
Please also see our post about the poor quality of our Haverty's furniture.