- Joined
- Feb 9, 2019
- Messages
- 4
- Purraise
- 6
My poor Marcellas has had blockage 3 times this last year and the last time my vet recommended Scratch Pay so I used it. I wanted to do the 90 day free financing but they wanted the first payment of $500 within 2 weeks. I knew I couldn't afford it so I went for the year knowing I was going pay it off early. They told me my credit wouldn't take a hit. To my surprise my credit dropped 20 pts! That is just the beginning! I took out the loan around November 15 and December 29th I called to find out what my final payment would be and this is what is happening!
December 29th - talked with customer service they told me I would be responsible for the interest of the full year which I found very suspicious so asked to speak to a supervisor. I waited on hold for 15 minutes for a supervisor and the supervisor said that was incorrect and that if I pay it off early I would only owe the daily percentage. I told her I have already sent in my final payment so what would be my interest be to fulfill the loan. We agreed on $14 so I sent out the check for $14 that day. One check was scheduled to arrive on January 2 and the interest check was scheduled to arrive on January 4. The end of January I received a text stating my payment was due but I ignored it because I figured there system was cleared out.
February 7- called customer service they say I still owe them $950 and my next payment is due. I told them it was all paid off and I owe nothing. They said they would said it to accounting but to send to customer service the bank statement where it was paid off so I did what I was supposed to. I received an email back saying they would contact me 24 - 48 hours.
February 9 - No response either by email or phone. I replied by email ... no response. I called and I got the same run around as I did on February 7th and after 30 minutes asked for a supervisor. They said all supervisors were busy and would call me back within the hour. It is going on 2 hours and no response.
I don't trust this company and stay away from it! Don't get sucked in!!!
I want this done and over with!!!
December 29th - talked with customer service they told me I would be responsible for the interest of the full year which I found very suspicious so asked to speak to a supervisor. I waited on hold for 15 minutes for a supervisor and the supervisor said that was incorrect and that if I pay it off early I would only owe the daily percentage. I told her I have already sent in my final payment so what would be my interest be to fulfill the loan. We agreed on $14 so I sent out the check for $14 that day. One check was scheduled to arrive on January 2 and the interest check was scheduled to arrive on January 4. The end of January I received a text stating my payment was due but I ignored it because I figured there system was cleared out.
February 7- called customer service they say I still owe them $950 and my next payment is due. I told them it was all paid off and I owe nothing. They said they would said it to accounting but to send to customer service the bank statement where it was paid off so I did what I was supposed to. I received an email back saying they would contact me 24 - 48 hours.
February 9 - No response either by email or phone. I replied by email ... no response. I called and I got the same run around as I did on February 7th and after 30 minutes asked for a supervisor. They said all supervisors were busy and would call me back within the hour. It is going on 2 hours and no response.
I don't trust this company and stay away from it! Don't get sucked in!!!
I want this done and over with!!!
