After i married my wife, i wanted to know who are her creditor, i found out she have purchased an extended warranty for her car. She have signed for that warranty by phone on September. Few days ago, she received a mail from "Warranty Activation Headquarters". She get confused, and i tried to figure out what's going on.
I found out she have set autopayment of 175$ each month to a financing company called "MEPCO". My wife never received a warranty contract, nor she have received any statement from the financing company. I called "MEPCO", a woman told i was not receiving bill because of the autopayment, some 1200$ are payed and i still have to pay 7 more months, she also told me that the warranty was provided by DealershipServices. I called the DealershipServices and i found out that she have a contract for a warranty until i asked to get a copy of the contract, and was told I'm going to receive it within 7 days. After that i made a search on Google, i discovered through the posted complains that my wife was a victim of a scam.
The technique of MEPCO and DealershipServices [Which i suspect to be a 2 head of the same viper]was evil. One company offer the service at a high price and offer financing through the second company. That way if you want to cancel you will have trouble. MEPCO will tell you that she already paid DealershipServices and want to get her money, and DealershipServices try to deny by all the way the refund of the payment.
I'm trying to resolve this issue and find a way to get my wife out of trouble by finding a solution for this problem.
Not making the monthly payment may cause the finance company to report a bad credit and end up with a more complex is a mission impossible.
Two solution have to be explored:
- Require the financing company to send me the document related to the warranty contract, and require DealershipServices to send me a copy of the contract. If they file to send them to me, i will notify them by registered mail, if not feedback was received i contact that attorney general to sue them.
- Get the detailed statement on the payment already made and the ones remaining and finish the payments like we didn't have heard about the scam.
My wife think that the second solution would be the less harmful for her credit and for the time she have to waste in court.
Anyone have an idea or a legal advice to help getting out of that mouse trap?
Thank you
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