In 2004, I attended a seminar with Storesonline on invitation from a friend. I was sleazed into buying the package with the understanding that it could be returned. At the seminar, I was specific in telling the representative that I did not have cash to pay for the package at that time but that there was a possibility that I could do so in the future. He suggested that I give him a post dated check and sign up all the documents and that he would only deposit the check on my instructions to do so. I thought it was a genuine offer so I complied. On returning from the seminar, I did some internet searches and came to the conclusion that I did not want to have further association with the company.
I immediately placed a stop order on the check and called the company to inform them that I no longer wanted the package. I told them there would not be funds available to clear the check so that it should be destroyed. They objected saying that they had no documentation of the arrangement offered to me by the representative therefore I was liable for the cost of the package ($5,000.)
I then tried to contact the representative (he had given me a business card) but was told that he was not an employee of Storesonline. I reiterated my position with the customer service people telling them that I was going to return the package. I confirmed the entire scenarion with a letter to Ms. DaSilva and did return the package via FedEx. The package was subsequently returned to me and is still in the FedEx box beneath my computer desk.
In January of 2006, I checked my credit report to discover that Storesonline has placed the $5,000. as a debt against me. I wrote to the bureau and also sent them a copy of the letter that I sent to Ms. DaSilva. Today July 27,2006 that negative report has raised a red flag on my mortgate application. Does anyone have any suggestions for handling this matter? Is Storesonline going to be able to continue getting away with their bad business practices? Why are they still in business?
Brooklyn, New York