Don't make our mistake
Complaint
Polly Globe
Country: United States
We attended their presentation and after some calculation decided to pay for the membership which was $4990. We wanted to update our kitchen and bathroom cabinets, as well as bedroom furniture. We put down about $1000, and the rest was financed through their lender Beta Finance.
A month later we started planning our purchases and realized we were about to pay more by buying through them than we would otherwise. What the don't tell you on their presentation is that while you save about 10% on furniture they add 8 % handling charge in addition to 7% tax, and that doesn't include shipping.
I am now trying to get our membership money back. Do not become a member! Buy from other stores.
A month later we started planning our purchases and realized we were about to pay more by buying through them than we would otherwise. What the don't tell you on their presentation is that while you save about 10% on furniture they add 8 % handling charge in addition to 7% tax, and that doesn't include shipping.
I am now trying to get our membership money back. Do not become a member! Buy from other stores.
Comments
Where do you live? I would love to know because I have never heard of any choice other than a new 3 day cooling-off period, in the States.
I'm glad that you were saved from the headaches we have went through.
You are safer not to ever go back, because they are insanely high pressure.
It sounds like a trick, & they would increase the prices after you make a committment, to make up for their "losses" from any savings that you might have received.
Glad to hear that you aren't going to your open house appointment and wasting your precious time. Most of all, you'll keep your money where it belongs......in your pocket! If I were you, I would have DirectBuy remove your name from all of the contact lists, databases, etc. This way they won't be able to harrass you by phone. I would fax the request to the center where you were scheduled for the open house. Keep a copy of the fax transmission so you have proof you requested not to be contacted going forward.
I think I found you too late!! About a year ago my ex-boyfriend and I were pressured into a membership... Which is sad because I'm not easily persuaded by spending alot of money on things of this nature... Anyways my ex bf and I broke up over this and he called the following day to cancel the membership... They were busy at the time and took his info... They kept sendidng bills to him and he paid them so they weren't delinquent... December he stopped paying... Beta finance is now sending bills to a 3rd party collection agency... I just recently found out that it was not cancelled more than a year ago as we were not on speaking terms... I tried calling the Toledo Ohio center that we got the membership from but the owner said basically f*** you... I called the corporate center and he said the corporate office can not do anything... So I'm clueless on what to do now... the salesman we had vaguely explained things as we were his first victims... He never fully answered questions.... I guess what i want out of you is how you got your money back... I am new to this page and cannot find the section on where you were able to get your money back... I'm blind lol PLEASE HELP IF YOU CAN!!!
It's really awful that you broke up over db, it's really sickening to hear how much power db has, even after all the bad publicity they are finally getting.
I think that you need to find out the status of the payment plan, how much has been paid & how much is left owing, before you decide how to proceed.
Did you live with your bf when you joined, or are you the co-signer with a diff't address that is not written into the contract? Have you ever been notified in writing, about the debt,by either db or the collection agency?
DO NOT BELIEVE ANYTHING YOU HEAR, IT HAS TO BE IN WRITING...
If you fill me in a little more, I will try to help you.
This would be no cost of aggravation for you.
937-477-7701
My attorney;
Craig T. Matthews
320 Regency Ridge Drive
Centerville, Ohio 45459-4251
(937) 434-9393
This would be no cost of aggravation for you.
937-477-7701
My attorney;
Craig T. Matthews
320 Regency Ridge Drive
Centerville, Ohio 45459-4251
(937) 434-9393
This would be no cost of aggravation for you.
937-477-7701
My attorney;
Craig T. Matthews
320 Regency Ridge Drive
Centerville, Ohio 45459-4251
(937) 434-9393
This would be no cost of aggravation for you.
937-477-7701
My attorney;
Craig T. Matthews
320 Regency Ridge Drive
Centerville, Ohio 45459-4251
(937) 434-9393
This would be no cost of aggravation for you.
937-477-7701
My attorney;
Craig T. Matthews
320 Regency Ridge Drive
Centerville, Ohio 45459-4251
(937) 434-9393
This would be no cost of aggravation for you.
937-477-7701
My attorney;
Craig T. Matthews
320 Regency Ridge Drive
Centerville, Ohio 45459-4251
(937) 434-9393
This would be no cost of aggravation for you.
937-477-7701
My attorney;
Craig T. Matthews
320 Regency Ridge Drive
Centerville, Ohio 45459-4251
(937) 434-9393
This would be no cost of aggravation for you.
937-477-7701
My attorney;
Craig T. Matthews
320 Regency Ridge Drive
Centerville, Ohio 45459-4251
(937) 434-9393
The remaining balance was about 3600 as of last thursday... I paid 1000 (which brings it down to 2600)so it would not go to a 3rd party collection agency (since he hadn't been paying it since december)... When we signed we were not living together, we were living under each of our parents roofs...it was the salesmans first sales pitch... He kept getting up and asking his supervisor questions that i'd ask him... I told him we didn't live together and he said it was fine (therefore only his name and address was on the loan paper)... I never received any deliquency reports or anything as they didnt know my address, so i assumed he fixed the problem... I only contacted them because I wanted to know if he had been paying it or had it cancelled (since thats what he originally tried to do)...When we signed for the loan (which we never should have been approved for) I was working part time as I was in school... I didn't know my average income so the salesman told me to just take a guess at what it was... They never even seen my income... My ex didn't work at the time and was the primary signer on the loan... I don't know why I signed anything... They were just so convincing... We didn't even have a house of our own to use their services and we would not have been approved for a loan even if we wanted a house trailer... We were not financially stable and still aren't... My ex doesn't want to make the payments but I dont want to have bad credit... Before I found you I gave beta finance an address and my phone number... I called direct buy to get my name off the membership and they told me I couldn't remove my name unless I had my exs approval basically... This is a big headache that I want to get rid of... I don't want db to get my money because they are crooks and the owner of the one we opened it with was sooo rude to me when I questioned her...
Any advice/encouragement would be most appreciated.
Thank you!
You are always right to be suspicious of anything verbal, & you have done everything right so far.
FIRST - contact the finance company directly & explain that you have cancelled & would like to make sure that they rec'd info from db, & you are waiting for your written confirmation of cancellation
-ask the finance co. to also send you written confirmation of cancellation
==========================================================================
SECOND -- just call & ask for the name of Director/owner& is there a co-owner, & how to spell their names, (but do not state your name or any other info)...ask for his #number and/or extension #
I suggest a reg'd letter addressed directly to the owner or director of the location where you joined.
Outline all the steps that you took, by dates, & names of who you spoke to,
...you have a verbal confirmation of your cancellation & are
REPEATING YOUR REQUEST for your written confirmation
along with your full refund...
Also, written confirmation of the cancellation of the pre-authorized debits with the finance co.
-ask them to respond within 5 BUSINESS DAYS
BOTH YOU & YOUR HUSBAND MUST SIGN IT.
===========================================================================
I think that you should receive your refund by July 27th, to allow for mailing time.
Any other questions for me, please ask...let me know what happens
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If you don't get your money back, you can use ontario consumer protection act to back you up...check out the letters from Dawn in this site...
They should ease your mind a bit.
Good Luck
Where do you live? your situation is very complicated...I need to do some research based on where you live...let me know...
if it was a ligit company they would have a system in place to handle refunds./
a real bunch of criminals.
and once they go out of business, all the members that were suckered into joining will be left with less than nothing
Craig Matthews, Esq.
tel 937-434-9393
cmatthews@ctmlaw.com