On November 17, 2011 I made an attempt to purchase 4 theater chairs that were identified as "4 Pc Leathermatch Sectional." Most of my credit cards were maxed out and this made my credit score lower than normal so they wouldn't approve me for a flat out credit purchase, instead they offered me a RAC Acceptance deal, I told the sales person and the RAC Acceptance manager that I did not want to rent the furniture or lease it.
The manager said, "don't worry we have to use this contract even though you wish to pay it off in 12 months." At the time of purchase the sales person and the RAC Acceptance manager ensured that I could pay for the 4 chairs at the store and assured me that I wouldn't pay for more than 12 months if I had paid $217.00 per month. I asked him to show me these details in the contract because I had not seen this, and he skipped over the first three pages looking for the information. It wasn't there, he went back into the office with the entire contract and returned with the contract with an additional page. This page was not in the original group of pages with the contract but because it was there now as a part of the contract, I agreed with the contract and signed it. It showed that after paying $2,700.00 est. I would be finished in a 12 Month period. Once the document was signed, the manager took the document back into the office and stappled it close with a business card on top.
Thinking that I had the whole contract that I had just seen, I left a satisfied customer. Instead of paying his suggesting amount, I paid $250 per month on the 1st day of each month and on time each month. In addition to this, I put a $481.07 as a downpayment.
I work in Hawaii, a month later I returned to Hawaii and looked over the contract, the page that wasn't there in the begining, wasn't there again. So now I have no 12 month contract, Yet I made every payment as the Sales Manager had suggested. I was thousands of miles away, so to go back into the store at this point, was not going to happen. Regardless, I trusted that what the Manager said was true. I could pay a certain amount and more and surely no reputable business would trick me out of my money. Well I paid $250.00 per month for 9 months, and went into the office to pay off the furniture in October, instead of waiting until december, just to find that they now wanted $1947.38 as the ballance. I was pretty sure that I had paid $2731.07 and at the worst case scenario would be that I had to pay a couple of hundred dollars, but nothing prepaired me for this. The page that was missing from my copy that was provided by the RAC or Rooms To Go Manager was also missing from the store document.
I spoke to the manager at the store on 8 October 2012. She informed me that the previous manager was no longer with the company. She and I had gone over pretty much everything I have stated in this document, I assured her that I will not allow Rooms To Go, to Rob me or get away with their unsavory sales practices and that I would like to discuss this issue with the store manager or the RAC Acceptance manager. 2 days later I had that discussion with the store manager. They are in complete denial of having any such a program where you can pay off furniture in a 12 month period, without then paying an additional lease fee. I then after a long conversation with the RAC Manager advised the Manager that I would like my money returned and I will gladly return the furniture, If this is not appropriate, then I would like to have arbitration or we could resolve this issue in small claims court.
Somehow, this trick of scamming me out of hard earned money in this economy is not going to be made easy. I am now awaiting this Arbitration that Rooms to Go and RAC Acceptance are scheduling. If there is no aggreeable result, I do plan to take this issue to court. No one stapples your copy of a contract close with a business card attached unless they are trying to get away with something and I gave them the benefit of doubt because the are a reputable company. This is my only mistake, but I refuse to allow them to capitalize on this unfair practice, simply to gain sales and profits. This was a scam that I would have never expected from a place with such a national name and size, but anything is possible.