Ok, I'm not agreeing with the way high risk loan places work but people really should pay attention to what they're getting into. I was in a financial bind, I got a loan from them, yeah I got screwed on the rates but my credit is iffy and there was no other option. Well, except a payday loan and they *** worse. Long story short, I put more money down on the principal than I had to and it helped immensely. Yeah those companies are shifty but you should know that going into it. Do some research and use your brains people!
I am angry with myself for taking this loan in the first place. I don't understand how some have fallen behind on payments though, isn't it required that you have auto-draft payments?
I have gotten a 2nd job to pay off this stupid loan faster. Original loan $2600.00 current balance $2280.00, # of payments to date 18 total $3974.17 and still 24 payments to go. That makes me angry for being so stupid, but I was desperate!
So far I have my checks from 2nd job set aside totalling about $600.00, by Friday I will have $770.00, when I hit $1000.00 I will call in and make a large payment to bring down my balance. I hope to have this paid off by July's end.
This was an expensive lesson to learn, but one that I won't soon forget.
My point-do your research. Don't accept a loan if you can't live with the terms. And make your payments on time!
I have a loan that is due on the first of the month. My wife and I did not have the money in the bank to have the loan taken out this month.
I called 4 or 5 days in advance to defer the payment for July. The guy said that it was done it would not be taken out.
I called our bank to make sure that it had not been taken out on the first, it had not been. Then, on the third I find out that the money was gone and we were pretty much broke.
I called to find out why and they told me that I was denied my referral after I had already been told it would not be taken out.
I am so pissed! And broke! Thanks to them.
I purchased Nissan Sentra 2001 used car from a car dealer in Northbrook on 11/30/2004. The very next day the car stopped on the middle of the road. I called the dealership and they said they are not responsible for anything once the car leaves their showroom. I went their showroom and try to meet the salesman, sales manager and general manager, they are so rude and said we will call the police if I don't leave the showroom immediately. I spent about $4, 000/- to replace the horness, battery and other things within the next twelve months. Do not buy any used car from this show room. Do not believe salesman, sales manager and general manager they will be so nice when you are buying and so rude when you have problems. Do not believe KBB or Carfax. Do you your own investigation like taking the car to a different dealer and ask them to investigate thoroughly before buying and it may cost you $200 that is better than spending $4000.
I just received a text stating my cricket payment needs to be made to avoid service interruption. I called them and spoke to some guy in the Philippines who could barely speak English, which has been the case the past 12 months I've called when I need to speak to customer service (but they claim there are a few American call centers, they just don't know where) . Someone removed me from automatic bill pay, even though as of today the website still says I'm on auto pay! Also, the past couple years I've been getting texts saying they'll be taking my payments out 4 days prior to the due date, but for some reason the last couple momths it's been getting taken out even earlier than that. They're sneaking money out of my account a few days earlier and that's a problem cause now it's coming out before pay day and nobody at customer service gives a crap!
My daughter called twice to "611" and waited for 45 & 40 minutes then she would be disconnected. The corporate company has poor customer service, pathetic to be exact, yet because she could not get through, the next day she was disconnected. I had tried to contact them also, however, I waited for 1 hour. When the person who answered the call and asked me how he could help me I told him that I had bad comment about their customer services. He then started saying, I can't hear you if I do not hear from you within 10 seconds I will have to hang up -- which he did. I am very disappointed with the services that I am receiving from them. This company is doing their best to take over the market that their competitor's (Pocket Communications). Their reception is very poor inside of houses and/ or buildings, at least this is my experience.
My Crickets cell phone service was shut off for no reason. I called the 800 and had absolutely no option to talk to anyone. Anytime I would hit "0", I would get disconnected. I then called one of our local stores (10 times) and it kept going to their voice mail saying that they were all busy to call back. I then called another store and actually spoke with someone. I gave him my problem and he said that there is no option to talk to anyone at Cricket that he would call and call me back. An hour and a half goes by, I call them back and the phone rang, rang, and rang for atleast 10 minutes. By this point, I am fuming, get in my vehicle and drive to the store I originally called and they were closed. But their message said they were open til 7:00. I got there at 5:15. When I get back home, I called the other store back and spoke to the person who was supposed to call me back two hours ago and he tells me that Cricket can't help HIM (an employee of Cricket) because he needs my address and date of birth, which should have been on his computer, when he punched in my phone number. As an end result, the lady that he spoke to said they made a mistake and turned my phone off. How nice is that? They absolutely suck!
I had lost my phone while moving from New jersey to Colorado in April 2008. I can up the very same day to inform att that i had lost my phone and inform them to suspend my service. Two months later i get a bill for 3000$ informing me that the phone was reactivated for some reason and some idiot has sent N number of text messages from the phone. I call N number of times letting them know that i had complained to them that my phone was lost. It falls to deaf ears and i get a letter from Debt recovery systems indicating that they want to collect the debt that i have to pay to ATT. First i don't understand why i have to pay the charges as i had rightfully let the service provider know that my phone was lost and i had asked them to suspend my connection. I had spoken to an ATT representative almost every month and all they say is that your case is under investigation. Some one will contact you within ten days. But all they do is inform the debt collection agency and they don't event call back to let me know about the situation of the case. I don't know how their business system is going to work when they don't care for any of their consumers.
I signed up for unlimited long distance through AT&T when they merged with bell South. I was misled and told that my bill would only be a couple dollars higher. My bill went up $20.00 for a partial month. I then canceled the long distance on 5/16/07. I have since requested numerous times that the long distance service be removed form my phone but they refuse stating it will remain on my phone just make sure no one uses it. There have been calls show up on our bill that were not made by us. I have never encountered having to keep a service I no longer want nor need.
On July 14, sign up for Elite DSL service from AT&T that was easy right, online no problem. Got my day for activation for the 28th of the same month, still cool. Monday the 28th arrived and connected everything fine, one user play online games, download patches all good. Day after my sons arrived home, we all got online to play online multiplayer games DSL drops unable to recover. Good thing I haven't cancel my cable broadband so we were back online played on. Tried to reconnect dsl unable to. Friday called to cancel, rep 1 sorry sir I don't do Nevada, rep 2 same, rep 3 is probably a problem with your phone line, brand new subdivision I doubt it, cancel I said. About a free month, after what you said no thanks cancel. Well I don't do Nevada again I was transfered. Rep 4 your service been cancel and will receive a credit cool thanks. At&T is playing a bad game with their customer, that is if you want to cancel anything they going to try to irate you and see if your drop the call or just change your mind. I figure I order something and is not working out of the box then I don't need you service. Buyer be aware.
Bought sectional sofa. Delivery guys unwrapped it then carried it up 4 flights of stairs. Both sections were damaged. Got 1 replaced, when technician was out he noticed the second one had a hole in it. They replaced 2nd one with a display model - filthy cushions and mis-colored. Delivery guys threatened to damage it before delivering as they should only deliver to 3rd floor and did 4th floor to be nice. Then when called to complain they said they could give a minimal discount but that would void warranty. Offered a re-selection but that is no good as the delivery guys will not deliver to us as we are on 4th floor.
Attempted Deliver Case of Wine ... day after day they deliver at 12-1PM ... no one home ~ would not accept neighbors signing or people working on the property. Caused wine to sit in 100 degree temps on a truck for 2 days. Refused to deliver later in the day ... why not? Spent 3 hours on the phone with UPS.
Then they wanted me to drive over 30 miles to pick it up. They really do not care ... what is amazing they will deliver Amazon books from 4-7PM to our neighborhood, but wine can only come when no one is home.
Comcast
www.comcast.com
As an intro rate was about to expire I got a call from Veronica. She told me about the digital package and its intro rate was actually lower than the rate I was at currently. I made a point to ask her "after the intro period what will I be paying" her response was "less than you are paying now" 6 months later I get a bill $40 more than before and $30 more than I was expecting. Comcast customer service wouldn't help. Basically they said I was being charged what their computer said I was suppose to pay and they wouldn't do anything.
What most consumer don't realize is that Verizon and other mobile providers don't have to have the last saying regarding the contract.
I read many complaints here about VZW (I wrote one too) because of their lack of customer service. Well, you can even have a 2 year contract and then cancel after 3 months without paying the early termination fee. How? Very easy. By law, cellular phone providers cannot charge you if you reside in an area where service is not provided.
Get an address or po box in some town not covered by their service (see their service map coverage in their website, hint, most of Alaska is not served), do a change of address with Verizon or whoever. Do a temporary change of address with USPS to forward the mail to your current address (temporary USPS will not notify mailers of the forwarding address). Live happily every after.
Vonage
www.vonage.com
Vonage stole my money! I have just been charged $220 for the cancellation of two lines. I intend to dispute both charges with my credit card companies, but these guys are such crooks, I doubt if I get the refund. I had been a Sunrocket customer for several months and received an offer from Vonage via overnight letter to "quickly" transfer my number and continue uninterrupted phone service. I signed up for the offer, filled out number transfer requests and 911 dialing addresses within an hour of receiving the letter. I received the "free next day" delivery of equipment three days later and installed it (I forwarded the calls via the Sunrocket website to the Vonage virtual numbers). I didn't hear anything from your company for three weeks, but continued to get notices from Sunrocket about disconnection. On the 22nd day after signing up with Vonage my Sunrocket service was disconnected and calls to my telephone numbers were met with disconnection recordings.
I called Vonage to find out what had happened and was told that there was a problem with the number transfer requests and many were lost (trouble ticket #[protected] & [protected]). The agent said that the problem would be resolved within 24 hours. I left for on vacation three days later. When I returned from vacation I found out that I would have to start the number transfer requests all over again. My wife said that enough was enough and insisted on switching back to AT&T. Because this process took 34 days, when I called to cancel I was charged $50 per line for equipment that they wouldn't take back, $19.99 per line shipping and $39 per line disconnection fee. I have never hated a company this much and will tell this story to everyone I can.
Dennis
Martinez, CA
I have read other reviews and found 1 thing to be a FACT. The customer service is horrid. First line contacts are rude and supervisors reply in email with the same negative "Valued Customer" answer.
I asked them to take that description out. False advertising!
I was making reservations and once done, I received an email for a $25 roundtrip discount for each person. The email sale was for 24 hours. They send it 2 hours after it had begun.
I thought they would be great about it since I am a FF. They made up technical excuses (invalid because I am at Email Administrator), and would offer no help...none!
I don't need the $50 but they have NO customer service.
Really scares me to continue to fly with them after what I have been reading!
I called to reserve two tickets from Ft. Lauerdale to San Juan, PR. I was told that I would receive an email confirmation. I was not able to read the email immediately because of internet problems. When I finally checked the email, I discovered that the agent had inadvertently (I thought then) booked me on a flight leaving San Juan going to Ft. Lauderdale. Spirit informed me that I did not inform them of the error in a timely fashion and, therefore, I would have to pay $140 to have it corrected.
I thought that it was a big joke until I tried to get the matter straightened out by their 'customer service'. The spokesperson assured me that it was n joke and that I would have to pay the $140 - quoting the airline's 'policy'. Additionally, I was told that I could not cancel the reservation because Spirit has a no-cancellation policy as well.
This happened five months ago. I have made several efforts to reclaim my money but have not been successful. Not only has Spirit refused to refund my $635, but has steadfastly refused to even proffer a token voucher. In essence, they have take the position that the legal system allows them to rip off customers with impunity. That might well be but I will know for sure soon. Next week, I will file a small claims suit against Spirit's president, Lancelot David and the Board of Directors.
Spirit airlines is offering great rates right now for travel to Florida, but buyer beware. If an emergency should arise, and you have to cancel a flight or one of your passengers is unable to go on the trip BEWARE of their cancellation policies. Here is my story. I booked a flight for three people to Florida, one person had to cancel.
SPIRIT AIRLINES:
1 Will not refund the ticket price under any circumstances.
2. Will only apply a credit for use up to one year from booking IN THE NAME OF THE CANCELING PASSENGER ONLY.
*So even though I booked the flight, and I paid for the flight, the airline will only allow the person I originally listed on the ticket to use the credit.
Please think twice before booking on this airline.
I received a letter from LA Weight Loss stating they were closing down and I should come in to pick up my remaining product and file for a refund. I tried calling the center numerous times before the closing date of Jan 4th, and stopped by on 3 separate occasions only to find the doors locked/lights out. These were all during normal business hours. I could not for the life of me figure out when they were going to be open so I could get my remaining product - I tried calling the main customer service number (only to get a fast busy signal), I emailed, and I called my center... No luck.
They really made it difficult for clients to cash in what they had left during those last weeks... I think the only way I would have gotten anything would have been if I had camped out! Every lunch break / after work drive by I made they were closed... When were they even open? 1am when no one is around? Come on now... Makes me think they had no intentions of giving out product at all to begin with if they made it so hard for customers to track them down... Good luck getting a refund! :/
I am totally appalled by the complete incompetence of Direct TVs customer service. On June 23, 2008, their sales representative told me I could get 5 HD/DVR boxes and Priemer by paying for the first HD/DVR box and renting the other four for $4.99 a month. I repeated several times the order and how much the total equipment costs would be as I crafted a word document to ensure I'd remember everything. The total upfront equipment cost was $124.95 which I paid, and delivery was set up for 12-4pm on June 30, 2008.
I called back on June 25, 2008, to verify everything was on schedule for the 30th. It was not. Somehow the installation had been cancelled. I rescheduled the installation and then had the representative tell me what equipment I had ordered--I did not tell him because I wanted to ensure they had the correct order in the computer. He stated it was 5 HD/DVR, one purchased and four rentals.
On June 27, 2008, I called again to verify everything was on schedule for the 30th. This time it was, so I decided to order the NFL Sunday Ticket. Again I had the representative tell me what equipment I had ordered. She stated it was 5 HD/DVR, one purchased and four rentals.
On June 30, 2008, I left work at noon (five hours early) to wait for the installers. At 4:30pm, when no one showed or called, I called their support representative at the order support number [protected]. He stated that the installation company had cancelled the installation and gave me the number to call them, [protected]. I spoke with a young lady, who said that Direct TV had never placed the order for installation. She referred me back to Direct TV. It was at this time that I was told I would have to pay an additional $800 for the four additional HD/DVR receivers. I was shocked especially after asking repeatedly if there were going to be any extra equipment costs when I placed the order on the 25th (I spent 2-hours on the phone). Even with that I wanted the NFL Sunday Ticket so badly I offered to pay the $800 if it was spread over the 24-month agreement. But their representative turned me down. This after I lost five hours work @ $62.50 per hour (can not take vacations days unless I take a full 8 hours), which cost me an additional $312.50. The worst part is when those HD/DVR boxes become obsolete in 3-5 years they’re counting on me to pony up another $1, 000 to replace them.
This was simply the worst customer experience I have ever been associated with. I had to cancel my order. I can’t wait until the day that the NFL moves off this lame network and onto a quality network that knows how to treat its customers
I have thought about this all week and have come to the conclusion that something needs to be done about this kind of service. I still have the receipt and the restaurant I am referring to is the Applebee's in Owensboro, KY. Last Saturday night we took our daughter out to dinner to celebrate her recent purchase of a home. It started out to be a nice celebration at our local Applebee's. We each ordered a sirloin dinner with baked potato/vegetable. When the meal was brought out the steaks were all on the chilly side but my steak and potato was completely cold to the touch. The waitress saw that I was not happy with mine so she had the manager come over to our table. I told him how cold the meal was and he said that he would replace it with another one. Up to this point I was satisfied since I was to get a replacement which I would be able to eat. But when the second meal came out it was as cold as the first. By this time my family had already finished their meal and I was left to eat mine by myself, which I did even though it was cold and not cooked to my liking which is medium rare. The manager never came back to check to see if the meal was all right or not. We have always been satisfied with the service at Applebee's before but after this treatment we will not spend our money there again. I am not talking a cheap meal. Our bill totaled $59.28 for this terrible meal and service. We have received meals in the past that was so hot that it was still sizzling when they placed it on the table. Maybe they are trying to reverse that but a meal needs to be hot in order to be good. I hope that this will get to their attention.
Thanks
This is one out of multiple incidents that made me a Direct TV customer. Charter only gives an 8 hour window for service which required my wife to *** work all day to meet the tech from charter. Our service window was 10AM to 4PM. At 6pm on the day of service we called charter and they said they weren't coming. We rescheduled later in the week my wife and I went out of town. We returned two days prior to our cable appointment and checked our answering machine and found a message from Charter saying they were at the house and why weren't we there to meet them. I called charter to reschedule and the lady told me my appointment was next week.
I told her that date didn't work. She raised her voice to me and said loudly she was trying to fix the problem. In trying to come up with a time she hung up on me.
I have given you only a taste of the raw incompetence at Charter. Following Charter and really gaining ground is ATT. We had our service suspended while we were gone for 6 months.
ATT continued to charge us for local, long distance and internet service even though we weren't there. A total of 10+ hours on the phone over 6 months and they still refused to stop charging us.
On Dec 7, 2007 we discontinued our service with WildBlue Communications. We were told that their would be no additional charges to our account. Shortly after we were charged $49.95 to our account.
On Jan 16, 2008, WildBlue charged $214.62 to our account (debit card)
In doing so, it caused a overdraft at our bank. In turn, our bank charged us fees in the amt of $50.00.
Being on disability, that really hurt us. We were eventually re inversed for the $214.46 less the bank
fees. We've made numerous calls to their billing department. Each time we were told that there was a mistake in billing and our account would be credited. They have yet to do so! WildBlue has shown deplorable treatment toward this issue and a deep lack of respect for the problems and stress that this has caused us. It is my hope this in bringing all this to light, it will help prevent others from having to be subject to what we went through. Thanks for any help with this matter.
In January, 2007, I purchased a new Dell Dimension E521 desktop computer via telephone. The machine was sent with Windows XP 2000 installed and, as agreed, I was sent Microsoft's Vista upgrade later. Upon installing the Vista program, all sound disappeared from my computer. After 10 months of wrangling, I have reinstalled Windows XP. Even though both products were new and should have been workable, both companies showed minimal interest in helping. However, both agreed to assist if I agreed to pay hefty hourly fees. Obviously, I have purchased my last Dell product and will certainly avoid Microsoft products in the future whenever possible.
I noticed monthly charges of $14.95 to my credit card, but, didn't pay attention to it the first couple of months, thinking it was something related to my company. I finally checked into it and found this was for a service I never signed up for, nor requested in any way. This is another scam by a company that has some type of agreement set up with credit card companies to get their customer's information and AUTOMATICALLY charges your account unless you catch it and cancel it.
This company should also be shut down and sued for FRAUD!
