Like many of my fellow Californians, I lost my job in May of 2001.
I got an ivitation from Galaxy Mall for a free dinner and a local upscale hotel, and decided to go check it out.
My story is the same as most here, it sounded like I could "make it" on the net.
I was assured that I could change my mind even if I signed the waiver to the 3 day right to cancel.
I call my wife before I signed, and she was screaming at me NOT to sign up, but we lost our connection, and I was "SO SURE" this was legit, I signed.
I thought my wife was going to KILL me when I told her, she wept, and was hysterical in anger over what she said was such a rip off, she told me I could do the SAME THING on yahoo for under $50.00!
I went back and tried to cancel, they would not let me.
The funny thing is, I was unemployed, had NO income, and so I finaced it. It was an unsecure loan.
Now I wrote letter after letter, tried to cancel, and still no word.
Then the finance company started calling and harrasing my wife.
The company "MOnterey Financial" in Carlsbad, had a collection person that laughed in the phone and told my wife "you have to pay or we will ruin your credit"
They did report us last year, and I am still frustrated. Iwant to find others who would be interested in a class action.
I think the finance companies and Galaxy Mall/ Stores online are "in Bed" together.
It's blatant extorsion!!!
If there is anyone else that is willing to fight these guys, let me know. I owed them $4900. and now they have added interest so it's $6900.
My wife says that we will never pay, just wait for it to drop off our credit report in 2006. But I want Justice, I can not believe they can get away with this.
When I called Galaxy Mall, they told me they would allow me to cancel, it was Monterey Fuinancial that I had "issue" with.
If this has happened to ANYONE else, let me know.
That is why I beleive they are in cahoots together, Galaxy and the finance company.