One year ago two men from Sears Home Improvement came to talk to me about replacement windows. I needed professionals as I am a single parent who had just bought a foreclosure with broken and leaking old windows. After a two hour high pressure pitch late in the evening, I agreed to replace all 8 windows and a patio door at $10,000.
They said they would get me the best deal on financing and would run it through several agencies. I never filled out an application; he asked me some pertinent information and phoned it in. With my paycheck stub in his hand I believe he may have gave a false annual income. He said he secured a deal with no interest and no payments for 1 year. When I asked about a payment he said I was looking to pay "at least" $150.00 a month.
When I received the first bill even though I did not yet have to pay I called to find out what the payment would be and was told I was looking at about $240.00. This was higher than I planned but I dealt with it.
Last month when they bill actually came due my payment was $377.00! When I called to ask for a reduction interest I was denied and also informed that during my 12 months of not having to pay they had also raised my rate.
Scraping the pantry and not buying the usual groceries I made a payment of $380.00 and have not been able to sleep wondering how to come up with this money. My new bill arrived yesterday and the new payment is $390.00! $263.00 went to interest and I am now over my credit limit even though I have not purchased anything and I paid on time!
They are going to force me into bankruptcy. I have kids and cannot afford this on a $2100.00 income... Of which $1000.00 goes to mortgage payment.
I called them again and was rejected again. I plan on contacting consumer affairs, David Horowitz, Clark Howard, my local news consumer affairs, The Better Business Bureau. I will also make a Youtube video so that maybe I can save other people from doing business with Sears Home Improvement. Go to Lowes and do it yourself!
I will also blog this on my Facebook and do a google search to mention this wherever Sears comes up on the internet. Hopefully my misfortune will help another!
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