Bruce M Rowland iCare Patient Credit iCare Holdings, Software Payment Solutions iCare Payment Credit Canton, Georgia Failed to provide the service I signed up for. Canton, Georgia

Mr. Rowland, once again, you aren't scoring any points for yourself here.

I have been truthful in my postings here, as well as respectful, you and I both know this.  I have documentation to support everything I have posted here.  You handed the check to my colleague on Tuesday morning, October 6th, just before 11:00 AM.  You have admitted this by stating that I wasn't open at 11:00 AM on that day.

A person can write any date on a check, so that establishes nothing.  Yes, it was dated September 28, but it was not delivered until October 6th.  It had not been sent by mail.  On October 2, you stated that the money had been "sent back."  In fact, it had not been.  I submit that it isn't me who is being careless with the truth in this matter.

I cashed it in the morning on October 7th as that was the soonest I could get to the bank to do so - the day after you dropped the check off at my store.

I had updated this complaint with a note stating that my refund had been given, just like I said I would, and I did so in a timely fashion.  This could have and should have concluded things,  unless you wished to offer an apology, which, in my opinion, would have better served to repair your reputation.  Things happen, people make mistakes.  It's how people deal with those mistakes and make things right again, that define good customer service.  Continuing to post bitter and unfounded accusations does not serve anyone.

As to my business hours, they are clearly posted on the door and on the website, and spoken on the greeting of my answering machine.  I have kept the same hours for the 7+ years I have been in business.  My neighbors are also closed on Mondays (except the gas station and restaurant.)  A couple of the times you did visit me, when you were courting my business, you did indeed find me here during "closed" hours, and I am frequently here during those times, but not always.  This week, I was working at a client's home, as I sometimes do, during my "closed" hours.

As for having returned the deposit after being contacted, well, it was only returned after I filed this complaint, which came only after numerous attempts to contact you, having to use different telephone numbers in order to have you actually answer, and having been stood up by you on more than one occasion.  The certified, return receipt letter I mailed to you on August 27, which was signed for at your address, on August 28, was ignored, and you did not come by when you said you would on October 1.

Thank you for the refund.

Mr. Rowland, once again, you aren't scoring any points for yourself here.

I have been truthful in my postings here, as well as respectful, you and I both know this.  I have documentation to support everything I have posted here.  You handed the check to my colleague on Tuesday morning, October 6th, just before 11:00 AM.  You have admitted this by stating that I wasn't open at 11:00 AM on that day.

A person can write any date on a check, so that establishes nothing.  Yes, it was dated September 28, but it was not delivered until October 6th.  It was not in the mail.  On October 2, you stated that the money had been "sent back."  In fact, it had not been.  I submit that it isn't me who is being careless with the truth in this matter.

I cashed it in the morning on October 7th as that was the soonest I could get to the bank to do so - the day after you dropped the check off at my store.

I had updated this complaint with a note stating that my refund had been given, just like I said I would, and I did so in a timely fashion.  This could have and should have concluded things,  unless you wished to offer an apology, which, in my opinion, would have better served to repair your reputation.  Things happen, people make mistakes.  It's how people deal with those mistakes and make things right again, that define good customer service.  Continuing to post bitter and unfounded accusations does not serve anyone.

As to my business hours, they are clearly posted on the door and on the website, and spoken on the greeting of my answering machine.  I have kept the same hours for the 7+ years I have been in business.  My neighbors are also closed on Mondays (except the gas station and restaurant.)  A couple of the times you did visit me, when you were courting my business, you did indeed find me here during "closed" hours, and I am frequently here during those times, but not always.  This week, I was working at a client's home, as I sometimes do, during my "closed" hours.

As for having returned the deposit after being contacted, well, it was only returned after I filed this complaint, which came only after numerous attempts to contact you, having to use different telephone numbers in order to have you actually answer, and having been stood up by you on more than one occasion.  The certified, return receipt letter I mailed to you on August 27, which was signed for at your address, on August 28, was ignored, and you did not come by when you said you would on October 1.

Thank you for the refund.

Mr. Rowland, once again, you aren't scoring any points for yourself here.

I have been truthful in my postings here, as well as respectful, you and I both know this.  I have documentation to support everything I have posted here.  You handed the check to my colleague on Tuesday morning, October 6th, just before 11:00 AM.  You have admitted this by stating that I wasn't open at 11:00 AM on that day.

A person can write any date on a check, so that establishes nothing.  Yes, it was dated September 28, but it was not delivered until October 6th.  It was not in the mail.  On October 2, you stated that the money had been "sent back."  In fact, it had not been.  I submit that it isn't me who is being careless with the truth in this matter.

I cashed it in the morning on October 7th as that was the soonest I could get to the bank to do so - the day after you dropped the check off at my store.

I had updated this complaint with a note stating that my refund had been given, just like I said I would, and I did so in a timely fashion.  This could have and should have concluded things,  unless you wished to offer an apology, which, in my opinion, would have better served to repair your reputation.  Things happen, people make mistakes.  It's how people deal with those mistakes and make things right again, that define good customer service.  Continuing to post bitter and unfounded accusations does not serve anyone.

As to my business hours, they are clearly posted on the door and on the website, and spoken on the greeting of my answering machine.  I have kept the same hours for the 7+ years I have been in business.  My neighbors are also closed on Mondays (except the gas station and restaurant.)  A couple of the times you did visit me, when you were courting my business, you did indeed find me here during "closed" hours, and I am frequently here during those times, but not always.  This week, I was working at a client's home, as I sometimes do, during my "closed" hours.

As for having returned the deposit after being contacted, well, it was only returned after I filed this complaint, which came only after numerous attempts to contact you, having to use different telephone numbers in order to have you actually answer, and having been stood up by you on more than one occasion.  The certified, return receipt letter I mailed to you on August 27, which was signed for at your address, on August 28, was ignored, and you did not come by when you said you would on October 1.

Thank you for the refund.

As stated on my first post...Jennifer never paid the balance.  Thus she never recieved any software. 

She was returned her deposit once I was contacted...it is obvious to me she doesn't know how to run a business when she is closed at 11:00...and not open on Mondays...maybe that is why she is struggling in her business...I wish her the BEST.

email me for a copy of the check which was paid back and dated on the 28th...

As to the name on this account...I have never signed up for anything like this...I posted this name because of the way I was treated by Jennifer and Imagine Ocean Aquarium. 

As stated earlier...The check had been sent...see attached copy. 

You come to your own conclusion...as to the name on this account.  Jennifer treated me as a racist pig...

Well, there was no check in the mail as Mr. Rowland posted here last Friday.  Nor did he show up at my place of business on Saturday, as he had suggested he would do when I spoke to him by phone last Friday.  By the way, Mr. Rowland, what an unusual choice of screen name you used here...

Yesterday, Tuesday October 6, just before 11:00 AM, Mr. Rowland did show up at my place of business.  My store is not open at that time, and I had just left for a customer's job site moments before, but my colleagues were still there and just heading out also, and as they were getting into their respective vehicles, one of my colleagues saw a man trying to shove a check through the door of the shop, so he went back to assist.  The man handed him a check.

The man sped away before my colleague realized who it was, but as he placed the check on my desk, he realized who had brought it, and notified me immediately.

I was able to cash the check today at the issuing bank, so I have received a 100% refund of my $195.00 deposit.  I did not receive the contract back or any sort of apology, which would have been nice, particularly to the bogus report filed here against my business, but I am satisfied that I've had my money refunded.  It is a shame, however, that it had to come to this before things were made right.

Mr. Rowland, you are not helping yourself here.  Other potential clients of yours may be reading this, and the manner in which you handle the resolution will speak volumes about you, and how your business operates.  This situation could have easily been repaired, long before it came to my posting a report.  Rather, you chose to ignore my respectful requests for resolution.  Now that it has come to this point, you have opted to take cheap shots at me.  I have been nothing but respectful to you throughout this entire process, and you have responded with tremendous disrespect, threats, foul language and a bogus report against my business. 

I can provide a copy of the check, with a note on the memo line that you asked me to write, that says, "balance 200".  If you recall, you were eager to sign me on, and relayed to me that since you own the company, and you do not have to pay a salesperson their commission, that you were willing to negotiate the price, and that is the price we agreed to: $195, which I paid, and a balance due of $200.  That, sir, is not expecting something for nothing.  That is negotiating a deal, and that is exactly what we did.

Unfortunately, you never returned to the shop to complete the work and receive payment on the balance.  I certainly wasn't going to send in a payment when I had not received any further contact.  In addition you ignored my written request to resolve the matter. 

I would have been pleased to pay that balance, had you fulfilled your part of the contract.  You made a good offer, and I had accepted it.  At this point, the trust is gone, and I no longer feel comfortable in proceeding, and since I have not received the product I had placed a deposit on, I am attempting to seek recompense.

In addition, you threatened me over the phone this evening, and said you would post a negative report about me and/or my business.  And sure enough, a few minutes ago, report #503440 pops up.  I invite readers of this, to take a look, and draw your own conclusion. 

I will reiterate that if I do indeed receive a refund, I will update this site with the results. 

JENNIFER MYERSCOUGH, the owner of Imagine Ocean in Canton, Georgia, agreed to purchase payment software for extending payments for her customers that could not afford her over priced aquariums and services.  The price of the software is sold for $995 and as stated by Jennifer she paid a deposit of $195.  The balance was never paid as she promised, thus no software was ever installed.  I have sent her money back and will gladly send anyone interesting in seeing it a copy...I can be emailed browland@icarepatientcredit.com

Bottom Line...she wanted something for nothing!!!

I used my business partner's cell phone to call Bruce Rowland about 10 minutes ago.  He answered this time.  Once again I inquired about my refund.

He told me to check my mail.  I advised him that nothing arrived from him today, and reminded him that he had told me on Wednesday that he would refund my deposit yesterday (Thursday).

The conversation went back and forth until he hung up on me.  I mentioned that I'd posted a report here, and he told me he would do likewise for me.  Interesting, considering this is the only business dealing we have ever had.  Sounds rather like a threat, in my opinion.  I have also filed a complaint with the BBB. 

Then he suggested we meet up someplace tomorrow, Saturday, October 3.  I advised him that I will be here in my shop, from 10:00 AM until 6:00 PM. (I guess that check isn't in the mail after all!)

He went on to say that he had been here 3 times and I was not here.  Well, I'm here 44+ hours per week, during my posted hours of business, and often earlier and later.   I asked for dates and times when he'd been here, he could not provide that information.  If he had actually been here, he could have easily seen my hours of operation posted on the door.  It would seem fitting that the best time to find somebody at work at a business, is during their posted hours.  Curious, is it not, that he was easily able to reach me numerous times, both by phone and in person, to court my business?

I also advised him that if he makes good on the refund, I will be happy to post an update and satisfactory resolution to this report. 

7:14 PM.  Bruce just called me back and explained that his cell phone cut out.   Again the conversation went back and forth, he became agitated and used foul language with me, and again threatened to leave a negative report here about me personally.

I have spoken to him exactly as I have spoken here: calmly, courteously and in good faith.  I have waited 2 1/2 months to take it to this level, and have not done so lightly.

He did state that he had mailed a check, and that if it arrives after we have settled up, he asked me to destroy the duplicate check, which I have agreed to do.

As I mentioned earlier, if I receive my refund, I will be pleased to post an update stating that the matter has been resolved.