I had been shopping around for plastic surgeons but wanted to make sure I went with the best doctor I could find for the price. I remembered I heard on the radio about a company that financed everyone. Since my credit rating was not too high I decided to call them to see what my options where.
Right off the bat to even get a consultation you have to pay them $25 for the credit application and $199 for the appointment which if you decide not to schedule the operation they supposedly only stay with $49.00 for the appointment. Which means that just to see a doctor you end up paying them $74.00 and if you don't schedule they refund you the $150.
Well, I thought ok fine they do finance you in spite of your credit, but before I even gave them any of my information I researched their company and couldn't find complaints so it made me feel comfortable to go ahead with the consultation. I arrived at the doctors office and the doctor seemed to be very professional, no complaints there. When I decided to go through with scheduling the appointment for surgery they sent me to a little room where one of the assistants calls my choice medical and they get on the phone and give you the finance amount and payments and then they fax the paperwork to the assistant. Everything was so fast you hardly get any time to read the paperwork you are signing and then they sent me off without a copy of the paperwork I signed. I went home and began to feel uneasy about the whole situation and called my choice medical to tell them that first I didn't receive a copy of my paperwork and the girl on the phone was rude and told me well if you didn't get a copy is your fault because everyone leaves with a copy. So i asked her to mail me a copy and that i wanted to know what the policy was on cancelling a surgery. I was shocked when she told me that none of the money I gave them was refundable. At this point they had already withdrawn $999.00 plus the $25 for the application fee. She said we'll hold your appointment for a year but we can't refund your money... I said oh so you just made a $1000 without any service rendered? In most financing contracts you always find a period of at least 24 to 36 hours to change your mind and cancell. They don't give you that opportunity.
These people are professional thieves. They are ripping people off and not nickle and dimes but substantial amounts of money. I really think they need to be investigated. They are getting rich off of unsuspecting people.
Please don't be fooled by them. Like the saying goes, if it sounds to good to be true it usually is. That is why they are able to finance people with bad credit, because they rip off so many people they have large amounts of funds available!
Lizzy
Miami, Florida
U.S.A.
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