I signed up for a hardship repayment program through Dell Financial Services. Due to hard economic times. Dell offered a reduced interest rate for set period of time as long as you maintain the minimum monthly payments. I have followed their obligations exactly.
After reviewing my most recent credit report I noticed they have been putting in inquiries every month on the negative side of my report. They have also sent bills indicating that I am deliquent.
"Your account is three months past due and your credit privileges have been suspended. Please pay the Minimum Amount due. We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report. If you have already sent us this payment, thank you"
I have all 3 statements that indicate a payement and oddly no late payment charges.
I have been calling the hardship dept at Dell 866-909-2044 for the past 4 days and all I get is a recorded message:
"This department is in a meeting, please call back in two hours"
"This deparment is currently closed. Please call back tomorrow"
Or yesterday 10/21/09 I called from work and left it on speaker phone for 1 hour with no answer.
I have even called their standard number 1-800-283-2210 and they keep transferring me to the number above and will not listen tom my situation.
Someone contact me from Dell immediately!
John D.
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