in 2000 I bought a washer, and put it on a Sears card. Becasue of the
VERY HIGH price I turned down the extened warranty (300.00). I had the
balance paid off and 'closed the account, cancelled the card, cut it
up' the interest rate if very high, in about 2 months in which time I
moved. 3 years later I get a bill from SEARS 600.00 for an extened
warranty, that I never asked for, on a credit card that had been
cancelled. I never authorized this. I called customer service and
they told me that they had to check and see if their had been any other
activity on the account, their hadn't....and so I waited. I get
another call from collections....they had to check and see if there was
any activity on the account, but since they were only collections I had
to call customer service, so I called customer service, they said they
had to see if there was any activity on the account...and so I waited.
I finally get a supervisor who backs off the money for the warranty,
but she won't back off the late fees. This makes no sense to me...but
I wait. April, 2004 my lovely wife, not knowing that I had been
fighting with the morans for over a year now, gets a call from
collections and pays them 40.00. In the mean time I'm still fighting
with them, February 2005 they tell me that the payment in 4/2004 proves
that the charges on the accout were MINE and that all monies owed, late
fees etc...are MY RESPONSIBILITY. These people are crooked theives.
I'm be forced to pay for something I never authorized in the first
place, isn't that fraud? I hope the suckers fold. If they're making
their money by screwing honest people, they shouldn't be here.
In so much that you should not be posting this here and the fact that you
and your wife are a classic example of the right hand not knowing what the
left hand is doing, it does not and would not surprise me that you get in to
problems like this quite regularly.
I suspect the problem started with the telemarketing dept that called
someone at your phone number after the original warranty ran out and offered
the protection agreement. Either someone at your number didn't understand
and said yes to the wrong question which would have ordered the extension
and at the same time re-open your closed account. Or more likely someone in
the telemarketing dept had their job on the line if they didn't produce and
they simply pushed the right buttons to add a protection agreement to their
sales figures. Of course, the bill would have been sent to your old address
and you wouldn't have been aware of it as the post office doesn't forward
after a year. I suspect that if you went to the manager of the store where
you bought it and calmly explained the situation, the store manager will
cover those late charges and I would also get a letter sent to all credit
On a side bar...the government recently shut down a very large collection
agency here in Rockford, Il. They had been buying old debts for pennies on
the dollar and then using very heavy handed methods to collect on those
debts. It didn't matter whether the debts were for real or not, they
threatened all sorts of bad things if the debtor didn't come up with some
money. They would call people who simply had a similar name to the original
debtor and insist they pay up.
Truth. Might be some Sears subcontractor, too.
Got a "final notice" letter from some collection outfit in Atlanta for
something like $180 dollars. Complete mystery to me, but they claimed it
was for a purchase on an "installment contract." Couldn't even tell me what
it was I had supposedly purchased.
Not much to do but say that true copies of the authorization would be
honored by me when furnished. Calls without would be turned over to the AG.
I guess nowhere is exempt from this sh*t.
I just received a letter from such an agency up here in Canada. They
said I still owed Canadian Tire $600+ but with interest was $2400+,
however, if I were to pay $700+ *immediately*, they would cancel the
debt. This was a debt supposedly owed *from**1993*. I asked them to
send me copies of the ITEMIZED debts. They said it would cost too much
to produce copies. I told them I'd see them in court where I would of
course subpoena those "frightfully expensive" copies.
Gerry < laughingly waiting for the next contact >
Myself and several friends were targets of a MCI scam. Got a notice of
owing them several hundred dollars for phone service - only I had not
lived at that address for several years. I finally got to a supervisor
and was told there was a billing address mistake - yes I told him your
scam did not have my current billing address - the mail was forwarded
So be careful there are crooks out there.
Right. Any payment is akin to accepting responsibility and acknowledging it
is your debt.
You may also want to review your lifestyle and/or family communications. My
wife knows of anything going on that is important (and this battle is) so
she would not do anything until we talked. You can perhaps cut your losses
by calling a lawyer. Meantime, be sure to challenge this on your credit
You're right... but...
It's a small claims issue -- so a small claims court judge would likely
give him the benefit of the doubt and allow a trial.
He would just say the obvious "The payment was an error." Then the trial
would cover the real issues. And Sears would likely be found in error if
they have their act together. Which is another issue :-)
Least that's what I've seen.
You need to immediately contact Sears Corporate headquarters.
Try the Sears.com site and go from there,
I would be willing to bet the farm that you will get a response within 24
hrs and your money promtly refunded.
I too had a problem with Sears, But I contacted Corporate, and the issue was
resolved toot sweet!!!!
This is very strange. I have been dealing with Sears for 40+ years.
You have to know what you are signing and you have to pay your
monthly statements. If you do, everything is great.
What do you mean by "I had the balance paid off?" - Did you
pay it off with a check that you have a copy of? How did
you "close the account?" Tearing up a card does not close
an account. Moving does not close an account either.
Every time I bought something from Sears, I get a print-out
on the spot of what I have purchased, how much it costs and
so forth. If you have the original receipt, you have no
problem. If you don't, then *THEY* do and I'll bet you bought
Sorry for the bad news.
Personally, I have not had any negative uncorrected issues with Sears,
Walmart, Home Depot, or Lowes. But, I have had the most problems with
items bought from Sears. I had a charge on my VISA, supposedly from
"something I signed at Home Depot for home warranty service." I
notified both Home Depot and VISA that I was to initiate prosecution
procedures if my name and credit information were not immediately
removed from all their files. VISA cancelled my account, created a
new account, and sent me a new credit card which I have not used due
to a little paranoia. I still shop at all stores and guarding my
Wow. 300 quarantee for a single washer. I usually buy washers by the
hundred and no one ever offered a quarantee for that, so this one must
be a real large one. M100? (40"?) But then im astonished that sears
sells parts for so large constriction work...
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