As someone who knows Fingerhut first hand as an ex-employee you probably spoke with before, the saying there are always two sides to every story defiantly applies to this company. I'm not going to deny anyone's stories or allegations previously posted about Fingerhut, but people exaggerate their problems out of anger, and frustration, towards the company for their faults, just by reading through the first few pages of the complaints. I can assure most people that most of these issues are self inflicted, as far as it goes for billing and policy terms and agreements. On the other hand, some items sold have issues, because of manufacturer's recalls or defectiveness, which Fingerhut finds out later, after they already sold the product out of the catalogs and further discontinue items. Opt yourself out from all mailing list, not just Fingerhut. They have other shared list. They sell your information. The only person who can remove you from it, is you, the customer. You specifically have to say every list there is. Make it clear that you don't want any information shared.
Do not respond to any promotions or offerings from companies affiliated with Fingerhut. They will bill your account, because they offered you something for free, and you filled it out, but ignored the fact in plain writing. It states you have 30 days to cancel, otherwise, you're in a service program, which will bill your account . People usually fill about 3 to 4 of these forms out, and return them, and get raped on their bills for a small significant free offering, without reading the small print on the back.
That's your fault (they claim they never agreed, but legally, they cannot bill you unless the whole form is complete)! If you don't receive your statement, call. They will note it, and have a record. They have no way of knowing if the mail they send you actually gets there, nor should they blame the post office for that one. If you don't, people always call about missing statements, after they get the late charge, and account is already past due (sorry not their fault either, you neglected to contact and notify them about the issue).
Open your box as soon as you get your package. It may be broken or damaged. Take a look to see if everything is in good shape (FedEx is a little rough on the shipping). Don't wait too long. Like other businesses, time is limited on the return policy. Fingerhut actually gives you 30 days to use and try it first, and anywhere from 90-180 to return for damages and defects (better than any other company), and send it back. You are responsible for the shipping. It cost them money to send it to you doesn't it? Ask customer service your questions. People will call saying Ali Bujumbura Mohamed Abdul told them their problem is resolved, for whatever reasons, people on order line like to help, but don't know how to. Call their customer service line there in America. Some do speak with accents. Oh well, it is the year 2010.
When debt collectors call, work with them. At least make arrangements for something. You're financially responsible. Remember, that there's no other way for them, because it is on credit. I know it's easy to have a $1,000 credit limit, and want to go all out on shopping, because it's tempting to do. Be careful. Order less, and pay more. In the long run, you're saving yourself, even if you can only afford one thing at a time. If you can't make your payments, the last thing you want is late fees and high interest charges on a big balance. On top of all the other problems that occur in your life, don't make it harder on yourself, because it went to collections.
Don't bother or threaten them with lawyers. They have them too. Your best bet is Better Business Bureau. They can help you if you have legitimate claims. Buy warranties when offered. If the item is over $200, or electronics, or something you may think that if it breaks, who cares, don't get a warranty! Things will, and do break. Extended warranties are not much, and will pay for itself, when that new item breaks, and they replace it for you. Remember, Fingerhut sells items, they do not make them.
Track your items when shipped, no signatures required. Packages can be left at your door. If you're in a bad location, put two and two together, when stuff goes missing. Also, think before you buy (will this shoe fit? Is that the color you want? Will this fit the measurements? What's included in the package, and what comes separately). Yes, they have a 30 day trial period, but you have to pay to send something back, unless it's broken. It saves you from shipping and handling!
Preapprovals mean you must be approved for the credit first. Just because you have the money, it does not mean you are automatically approved. A word to the wise, don't get mad of you can't be approved. Would you give your money to someone who you suspect will not pay (like your drunk mother-in-law)? For those of you who have been dumped on, you have every right to be mad at Fingerhut rightfully as a customer, because you might have gotten the short end of the stick. They're not the only company who can ** you.
Many companies are worse than they are (cellphones, Microsoft, cable, etc). They will help you if you're in good standing with them, and go out of their way (they can only do so much, until at which point, they cannot help if it's not their fault. When they know it's their fault, they will fix it), and are better than some other companies, no questions asked. They offer good products, as well at the convenient options of payments. Just be wise. Ask probing questions, and read the catalog policy and terms, before signing up, to better prepare yourself with doing business with them. People who do not bother even looking at that, should not even be able to buy. The rules are the rules in the policy terms.
It's as simple as this; if you don't know what you're getting yourself into, it's best that you keep yourself out of it! People always agree to the terms, without even knowing the effects it may have. If you are not able to make payments, Fingerhut will help you, but people neglect to pay their bills, because of the issues they have with the company, and they get in trouble with their credit.