I buy the furniture on JUNE 13 2010 under the no payment NO interest for 3 months plan. The amt for 4 items was 342.29.

Out of four items two items whose amount is $ 67.98 CDN. The delivery of these two items I received on SEPT 04 2010. i.e almost after 3 months and i pay 342.29 on SEPT 29 2010. They did not revise the invoice and make necessary change to my bill for 67.98 CDN under three month plan. And in my next invoice they charge me $ 22.55 CDN as an interest. Due to their negligence and mistake I have to pay $ 22.55 interest.

I had a Menards card (local home improvement company) until tonight, I just canceled it. These people are SCUM.

I had two promotions going with Menards, one due January 10, 2010 one due March 21, 2010. I had made two small charges on my card and forgot about them. When they contacted me I immediately paid the charges by our bill payer (September 2009).

In October 2009 I paid the promotion due in January in full.

Today I opened my bill and the promotions were canceled and back charges, fees and interest were added. I called them and was told that because of "the presidents" new legislation they were allowed to contact us by writing within forty-five days to offer if I didn't respond they could do this.

I have never seen any documentation that they sent me. They say it was sent.

I paid my card in full tonight and told the supervisor that they are the reason the legislation was enacted. I'm also writting to Menards.

I am currently having a problem with Boyles Distinctive Furniture (of Hickory, NC) and their credit card company HSBC Retail Services (HSBC Bank Nevada, N. A of Los Vegas).

Back in Jan-2007, I place a large furniture order with Boyles. I signed up for their 6 month, 0% plan with the lump-sum due on 16-Jul-2007.

Most of the items were delivered to me with no problems. However, when they delivered my new dining room table it was severely damaged and they took it back with them. Two months went by, they claimed they were trying to fix the table; finally they delivered a new table on 16-Jun-2007 (over 5 months after I had placed my order). I let this delay slide as I was very happy with all the furniture and the price I paid.

I mailed my payment for the lump-sum several days prior to the 16-Jul due date (the remittance address is a P.O. box in California so it would have taken one to two days for my payment to have been received).

On 7-Aug-2007, I received a bill in the mail for $1, 729.50 of "Billed Deferred Finance Charges." I called the credit card company and they said that they did not receive my payment until 20-Jul-2007 and therefore the charges were valid. They also said that "as a courtesy" they would waive 75% of these charges if I paid the balance of $432.38 within 10 days. I told them that my payment was mailed prior to the due date and that it's not fair to charge me any finance charges. I also brought up the problem I had with the dining room table. They said they "are just the credit card company" and that I should call the retailer (by the way, my credit card shows only the retailer's name on it). The date stamped on the back of my canceled check is 20-Jul-2007. I have reviewed my cardholder agreement and there is no mention of having to send payment in earlier than the due date.

So then I called Boyles and spoke to their customer service and accounting departments. They said that the finance charges were not their responsibility and that I had to work that out with their credit card company. When I brought up the problems with the dining room table (for which I had received no consideration) they said "that issue was rectified when you accepted delivery of the dining room table on 16-Jun-2007." The Boyles customer service representative was extremely rude; during most of the telephone conversation she was yelling...I told her: "Do not yell at me, lady" -- her reply was "I'm not hollerin' at ya."

I think it is only fair for the $1, 729.50 of erroneous finance charges to be reversed. Boyle should also give me some consideration for the long delay in delivering the dining room table; 50% of purchase price would be fair.

I received my statement from the Brick indicating that I had over paid by $50.00. On the statement it indicates: "Your account has a credit balance of $50. Refunds may be requested in writing to HSBC Retail". So I sent an e-mail to [email protected]. The rep there explained that I must provide proof of this payment. Even though it was there on the statement; now watch out here comes the official answer: "Unfortunately the Brick Card statement is not considered a valid proof of payment".
So, when you receive the statement from the Brick, there could be instances where your credits may not be VALID. Here is the reps suggestion: I am to get informatioon from my bank, then cover or forge this document as my proof of payment. They will accept this type of information.

Funny how this company is willing to accept "FORGED" documents. They will not investigate through their own credit department because probably this is too much to ask for by their customer.

I have sent a complaint to BBB in Alberta via on-line. What a shame that I have to go through this to get my money back and that $50.

So watch out, the BRICK will do anything to keep your money tied up!!!

Hanif Ladha

Very rude and not sympathetic. Out of 8 payments 4 checks where lost in the mail. According to them if no payment is given on the due date it must be lost!!! Because I'm from Canada i need to send payment minimum 15 days ahead of time (break down... 3 day mail delivery and between 10 to 12 days processing from them). My bigest problem was the processing from the company and the ridiculous overcharge late payment fees. Ì'm very happy that I transfer my account away from them, and most of all I have a great job where I can talk to many potentionel clients to not do business with HSBC!!!

Finally, they still got all the money, but if I can prevent even 1 customer to do business there I will accomplish my goal!