Against my better judgement, I went into a RAC on Aug 31 to see if I could get a recliner used or new.
I was shown a recliner and told abot a 90 days same as cash deal or rent to own, which would add up to 200% of the cost of the chairs. I kind of figured that part ahead of time.
They offered the "no payment till Sept 15".
They said I could pay every week, 2 weeks or monthly, they printed out a 10 page contract with all the legalese that nobody reads, and I figured I would come back and pay a chunk of the buyout balance down within the next month and get it paid off within the 90 days. I never intended to go the length of the rental contract at the exorbitant price. So I got a leather chair and the recliner delivered in 2 days.
It was nice and I expected to pay them off in 90 days at a cost of about $1100 total. This is also what I told the manager at the store, a tattoed thug like dude with shifty eyes and cheap jewelry.
Well on Saturday Sept 15 I got a call from RAC saying my payment was due NOW. I told him I thought I gad a month, I only had it 2 weeks. He said no you got the promo deal so in 2 weeks you were due to pay the first $100 monthly payment. I told him all my bills are paid, I was broke and I would have to wait till my next pay in 2 weeks then I would pay up to date and more on the 90 days cash deal.
He said stop getting mad at me I will have to come get the chairs tomorrow unless you pay tomorrow.
I was not even getting short with him he immediately went defensive on me. I told him well in that case "come get your crap". They will be here in 2 days.
I feel that RAC is a crooked predatory company that preys on poor areas and people with no or bad credit.
I knew I should have NOT done the deal but I figured I could get the same as cash deal and have new chairs at a decent price. BUT obviously they don't expect people to pay for the stuff in 90 days, they expect to get the whole rental year out of poor people OR wait for them to default, which in there terms default is "1" day.
I have had the furniture covered for the whole time I had it, so it is in excellent new condition, barely used in 2 weeks. Let's see if they try to charge me something for wear, I will not give them another dime.
What happens to all this repossessed furniture? It is not for sale in the store as used and they only have "new" furniture for rent.
I smell a huge scam.
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