Sears Home Improvement misled from day of sale to terms of bill winter park, Florida

Well, Sears came through,,,understood how things went and have lowered my interest rate and made this affordable again!

Don't know if I am supposed to use full names so I will just say thank you for listening, researching, understanding what went wrong and escalating it to the proverbial "win-win" outcome.

And no Jim, they never laughed after they saw the facts, reviewed how it all went down and agreed it was worthy of changing the terms.

Thank you Sears.

You're exactly right!  I am a nice guy!  I could have told you what you wanted to hear...I could have stroked you and invoked pity on you...I could have been much less than honest with you so that I could be so-o-o-o nice and cute in my response. 

I am a nice guy because I hopefully directed your attention and maybe a few others, to NOT take these types of contractual proceedings lightly!  All of us need to read and understand every word of every contract we sign!  To obligate oneself to legally binding financial terms and conditions WITHOUT knowing what these terms and conditions are is nothing more than defying common sense!  In your posting, it was clear you did not know what the contract said.  This is absolutely amazing!  If you read the contract, BEFORE you signed it, then you would have the opportunity to back out of the deal. 

the point Jim is making is to always know what you sign. Did Sears take advantage of you? HELL YES! You could have done the work yourself (which I am doing right now) for 50.00 a window. I found awesome, almost new windows at my local habitat for humanity store for 50.00 a piece. Doing the work myself so for the 9 windows I had to replace i am only paying 450.00. BUT you could have avoided this by reading the contract. If you have a loan there has to be a contract. Read it and see what the payment are to be. Hopefully they didn't do it as a second mortgage against your house ( which they probably did). Good luck and happy holidays!

Wow Jim...you are such a nice guy.....

Re-read the letter, it says they told me my payments would be at least $150.00; I didn't take that to mean over double that amount. Please realize I gave a summary, of course it was much more involved.

All I am doing is warning people to obviously be mush more careful than I was when they enter into these deals.  These guys talk fast, double-talk even faster, fold papers so you don't read them all, do not heed when you tell them what you have to work with, saw a single female as shark bait and ran over me. They have one goal and that is to make the sale...after that, they could care less if you pay, don't pay or go bankrupt.

By the way, how long have you worked for Sears????

Did you sign a contract which clearly spelled out the terms of this deal?  Apparently you didn't!  Amazing!  You said the salesman said the payments were above $150.  What EXACTLY did the contract say?  You don't know, do you?  You never saw or read a contract and now you're surprised?  You fully admitted to NOT filling out a credit application.  Didn't you have the least bit of concern about that?  If you didn't sign a contract, then how are you obligated to pay anything? 

There is something here which either you aren't telling us.  You bought a foreclosure, you say.  Did you sign a contract?  You entered into a financing deal with the windows job.  Again, WHERE IS THE CONTRACT?????