Carmel Financial CorporationCarmel Financial Corporation ripoff, dishonest, scammers, swindlers, corrupt, fraudulent billing for a product that was never shipped, sly with the term installed' Carmel Indiana

Carmel Financial Corporation contracts with a company named C&L Distributing in London, Kentucky to finance their products to customers so that they can purchase C&L's products whether the customer has credit, no credit, or bad credit history to set them up for their kill, but overkill is a better word. In 1999,
our son worked for C&L and he brought a "demo" WaterMatic Vaccum Cleaner to our home and demonstrated it. Afterwards my wife and son Joseph Jr signed a credit application to purchase the cleaner thru Carmel Financial Corporation, C&L's financer. I never signed it because I live off Disabled Social Security and I knew that it would be impossible for us to pay for it and the price of the cleaner was just over $1400.00, which I think is outrageous anyway. I live in a mobile home for god's sake and I would be smarter to put that much money into my rotting floors instead of a high-priced cleaner. After the demo my son went to two more places to demonstrate it in those homes and it is that same cleaner, the demo model that he used in all his demos, a used cleaner halfway worn out that they claim we have to buy from them. My son took it back to C&L a couple of days later and left them a note stating that he had returned his equipment and also that he was s leaving to seek employement elsewhere.

Also we called C&L and talked to Mr. Darrel McDaniel, who was my son's employeer and the operator of the business, and notified him that we had returned the cleaner to which he replied that "we were too late because he had already gotten his money from Carmel Financial Corp. But he also said for us to call Carmel and tell them. My wife called Carmel and talked to a lady there, don't remember her name, and explained everything to her. She told my wife to return the cleaner to C&L and everything would be taken care of. My wife informed her that we didn't have a cleaner but the one that our son demonstrated in our home had already been returned. That is the only cleaner that we have seen and it was only in our home that evening for no more than two hours at the most. About a month later we got a late payment notice from Carmel for the cleaner. We called them again and explained that we did not have a vaccum cleaner but they accused us of lying. They cannot produce an envoice where we ever was shipped a new cleaner and neither can their partners-in-crime C&L. They say that my wife acknowleged with one of Carmel's croonies over the phone that "the cleaner had been 'INSTALLED' and was working properly", which is bogus! How do you 'INSTALL' a vaccum cleaner? We have went round and round with this bunch since 1999 and they still won't make it right.

Carmel took us to court last year and was awarded judgement for the price of the cleaner. We have received three letters from their attorney in Knoxville, Tennessee stating that the debt is over $4,000.00 now. Overkill for just a demonstration would you say? I have yet to pay a red cent and I steadfastly refuse to pay a cent for something I absolutely do not have. No one, foreign or domestic, has the right to make you buy their product! And they certainly don't have the right to make you pay for something you never got. I think I know what the C&L
stands for, "CROOKS and LIARS". I hope publishing this will keep someone from being taken by these corrupt companies. I have tried to work it out with them for the last six years but they still accuse us of having a cleaner which we won't pay for.

They said they "Installed" it here but I swear we have looked everywhere and can't find it! A little humor in a pitifull situation! Please, someone help us get justice and expose these crooks for what they are!

Joseph, sr.
Harrogate, Tennessee
Indonesia