Home Shopping Network Declined my deferred pay acct. Placed order on husbands account with no consent for flex pay. St. Petersburg Florida

HSN refuses to offer my husband the deferred payment account. They say they declined us for this but when the sent us the laptop computer we assumed it was approved. The computer was purchased over-the-phone from a television promotion special advertising deferred payments for one year. They waited until October to start the billing process which was 3 months after the purchase. It was then that we knew we were not granted a deferred payment account. If we had known this we would have declined the offer but they accuse us of accepting it under flex pay which means that the payments should have started one month after the purchase over the phone. We feel they delayed the payments knowing that we expected deferred payments and would have cancelled the order if we had received a bill after the first 30 days.

Cynthia
Indianapolis, Indiana
U.S.A.