
Ronald of Austin, TX on July 15, 2008
08/02/2007 purchased living room and dining room set, total $4439.72. We, my wife Linda and I, have dealt with this store for over 10 years, taking advantage of their no interest for one year specials. We went in to only purchase a couple of chairs, ended up with all the above. This was a no interest special, similar to what Lacks always has. We filled out all the paperwork, Ron doing most of the signing, on multiple forms. Transaction completed, the forms (so we thought) were placed in the convenient Lacks document folder. The no interest was through 2008, so we made $370 monthly payments, $200 over the required $170.
When the delivery was made, we were missing a shelf in the dining table, which was noted on the delivery slip, and I also immediately contacted Julia telling her of the missing shelf. I was told they would get the shelf and deliver it. Over the next 10 months, Linda made a least one trip monthly by the store trying to sort out the paperwork and the shelf, to no avail. So, Linda went in last week, 07/09 to pay off the note and was told we had a regular contract w/ 18% interest, and the contract pre-payment included the "Rule of 78's". She discussed this with the manager "David" who was so rude Linda ended up crying and called me.
My going to see "David" would have not been to "David"'s best physical interest, so I called the main store in San Antonio the next morning. I stated the purpose of my call and asked to speak with a manager. I was transferred to accounting and spoke with "Clyde". I explained the purpose of my call, stating I only had one contract, none of the paperwork I had signed, and ironically, the contract I had and one "Clyde" faxed me, was only signed by Linda, which I know was not the case originally. "Clyde" said he would look into this and call me back. "Clyde" called me back within 4 hours, saying he found only the one document, which I already had. Having paid $200 more than the monthly requirement (which would indicate we were making an effort to utitilize the no interest offer) we created a financial horror for ourselves, when the "Rule of 78's" is put in place.
At this time, having none of the paperwork I signed back in August of 2007, it is simply my word against theirs, but if one would look at our credit history with Lacks, one would find total truth in what I've said. My error was in putting faith in Lacks since we have been treated fairly in our past experiences. I shall try again tomorrow, 07/15/2008, to contact a manager in the main office in an attempt to get this straight.