I had prepaid Fingerhut monies (I was in college and didn't want a charge card from them so I prepaid for items for the holidays). Anyways they were to ship the items as one or two packages as friends warned me they liked to ship a bunch of items as individuals so they would get $ from shipping. Anyways, I paid them $1593.42 which was to include a moped for my nephew (this was around 1995) along with other small items that could easy fit into a one or two cubic size box. They guaranteed items to arrive by December 20th for christmas. They cashed my check and guess what - the items never arrived so by the 22nd of December I'm out running around trying to buy gifts (something I wanted to avoid doing that is why I went with fingerhut who guaranteed arrival). Anyways, I asked for a refund and got around the second week of January, I get all the back order items! So I refuse them (UPS delivery) and off goes UPS. Fingerhut gets pissed and well, I never got my money. I go off to graduate school and well, time moves on so I thought. Well, October I get a letter from Jefferson Capital wanting to know why I never paid Fingerhut. So I send a copy of everything to them. Don't hear back - so I send them a letter telling them their client now owes me $ (21% interest for seven years = they owe me $3935.76. Don't hear a thing. September I now get another threating letter stating pay or get sued. So, I turn the letter and info over to the Ohio Attorney General's Office. Complaint #465238.
Are you ready for their reply?
And I quote:
"As a matter of information, Fingerhut closed in July... And were not aware of previous dispute regarding the balance... And Jefferson Capital has not reported any information regarding the account to the credit bureaus."
Lies Lies and more Lies.
Go online - www.fingerhut.com and see they are still in business. And yes, Jefferson Capital did report my non-payment to all three credit bureaus and as of today, it is still on my credit report.
Well, time to sue everyone! Anyone wish to join me on a class action suit?
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