Consumer Protection Problem - GE Money

Posted in the Grand Rapids Forum

“You're gonna make it after all”

Since: May 09

United States

#1 Feb 17, 2010
Okay guys I need some advice. I'll try and keep it brief but I'm hoping to get some ideas on how to handle this problem.

Last March we did a 12-month 'same as cash' deal with GE Money for our Anderson windows. This was 'round 2' for us after successfully doing the lower part of our home's windows we proceeded to do the upper part. Feb/09 we signed the agreement with our salesman based on doing a 12-month same as cash just like we did the year before. He brought us the paperwork, we signed just as we had done the first time with the same credit company GE Money. The windows were installed 3/17.

Monthly statements came -no payments were due so basically I did like I always do - I ignored them for the most part - I confirmed the amount borrowed and went ahead with my plan. As we were getting ready to pay, we start getting calls saying we're 'late'. GE is saying the full amount was due 1/9/10 per what date Anderson gave them.

Investigating what 'went wrong' I discovered that our sales rep put the promo '2010' on our contract. No description - just 2010. In fact the boxes of the months of the promo were 'x'd out. SHOULD have been a clue to me but keep in mind I was operating on 'trust' mode since this was essentially the 'same deal' we've already done once. My salesmen tells me it was a Jan-2010 deal and I was SHOCKED. That was not what we THOUGHT we agreed to. I've done these type of deals for years and not once ran into this. The back of the contract has generic information pertaining to 2-6-9-12 month 'promo' plans. I had no reason to believe I wasn't getting a FULL 12 months. Now I'm being told that I was financed for free from 2/24 to 1/09/- WTF is THAT! Obviously - this scam is working for GE. I've been fighting with them & Anderson and so far got $3,000 in fees down to $1,000. The ONE thing I didn't do (again, because I've done this same thing before successfully) was look at the small box on the monthly statements that noted the 1/9/10 date. MY BAD for sure. So my question is - do you think I have a leg to stand on because the CONTRACT was improper and didn't state that deadline term? Or does GE get off because they put it on the invoice? MY salesmen is certainly at fault for not explaining the plan he put us in and that is one optional recourse I'm workin on -but in all honesty this GE thing has me bothered because their promo was NOT properly identified in the contract in the first place.

So sock it to me - I know I have blame here -but what do you guys think? I feel like I've been scammed in a game of pool getting sucked into it the second time and they changed the 'rules'.:/

“Don't touch my junk man!”

Since: Nov 07

Middle of the Mitten, Michigan

#2 Feb 17, 2010
Well my beef would definitely be with your representative. However I think you're stuck with the fees since you ignored the statements.

I've discovered more and more companies seem to be playing dirty pool. For instance a company I work with invoices you based on a price with the late fee already included, sometimes this fee could cause your purchase price to increase by 10 dollars a unit! I always wonder how many customers they get that pay the invoiced price not even realizing they're paying too much.

I guess you could use this as a "teachable moment" (shudder), I would definitely continue to raise flags with both GE and the Andersons. See if you can get your thousand down to 500 or something. It stinks, but I don't know what else you can do, maybe I'm missing something?
Batch 37 Pain Is Good

Barnesville, OH

#3 Feb 17, 2010
"12 Months same as cash" where did that advertising disappear to. You have only one month in question if I am reading this right. Might as well pay it and provide very bad reviews to the public.

“You're gonna make it after all”

Since: May 09

United States

#4 Feb 17, 2010
Ms Angie wrote:
Well my beef would definitely be with your representative. However I think you're stuck with the fees since you ignored the statements.
I've discovered more and more companies seem to be playing dirty pool. For instance a company I work with invoices you based on a price with the late fee already included, sometimes this fee could cause your purchase price to increase by 10 dollars a unit! I always wonder how many customers they get that pay the invoiced price not even realizing they're paying too much.
I guess you could use this as a "teachable moment" (shudder), I would definitely continue to raise flags with both GE and the Andersons. See if you can get your thousand down to 500 or something. It stinks, but I don't know what else you can do, maybe I'm missing something?
You know I keep hearing the term 'verbal contract' here. Anderson keeps wanting to say they aren't responsible -it's between GE & us. But ANDERSON is the one who uses GE - the paperwork even says "The Renewal By Anderson Finance Plan". I feel PRETTY horrible about not really seeing the bills. But it comes in a 4 fold with the key info on top. I 'knew' it wasn't due and had my plan in place to pay it. In fact, we have paid it now. I'm very angry about what is now blantant attempt to mislead myself and other consumers. When the credit plan is 'x'd out with the number of months that seems pretty obvious they were trying to mislead...hey if there promo was until Jan - why not put THAT on the form! Here's what they had "OTHER Credit Plan 110 -Promo Period 2010. NOW that reads like 1/10/2010 - but I've showed this to others and they agree - you would NEVER know it's a due date of any kind.

I think I have to hang my hat on the fact I had a VERBAL contract with the rep and see what Anderson will do. I may have screwed up in not looking at the bills but the bottom line is I was signed up for something other than what we had negotiated and there is history of this SAME contract happening exactly as I believed this one would just 2 years before.

“Don't touch my junk man!”

Since: Nov 07

Middle of the Mitten, Michigan

#5 Feb 17, 2010
Businessminded_plus4 wrote:
<quoted text>
You know I keep hearing the term 'verbal contract' here. Anderson keeps wanting to say they aren't responsible -it's between GE & us. But ANDERSON is the one who uses GE - the paperwork even says "The Renewal By Anderson Finance Plan". I feel PRETTY horrible about not really seeing the bills. But it comes in a 4 fold with the key info on top. I 'knew' it wasn't due and had my plan in place to pay it. In fact, we have paid it now. I'm very angry about what is now blantant attempt to mislead myself and other consumers. When the credit plan is 'x'd out with the number of months that seems pretty obvious they were trying to mislead...hey if there promo was until Jan - why not put THAT on the form! Here's what they had "OTHER Credit Plan 110 -Promo Period 2010. NOW that reads like 1/10/2010 - but I've showed this to others and they agree - you would NEVER know it's a due date of any kind.
I think I have to hang my hat on the fact I had a VERBAL contract with the rep and see what Anderson will do. I may have screwed up in not looking at the bills but the bottom line is I was signed up for something other than what we had negotiated and there is history of this SAME contract happening exactly as I believed this one would just 2 years before.
Yup, I would hang your hat on the verbal agreement. In any event the salesrep should man up. Either he intentionally misled you, or the company intentionally misled him. One or the other. In this case there's really no question. If anything Andersons should step up, eat the finance charges and keep a once happy customer happy.

“You're gonna make it after all”

Since: May 09

United States

#6 Feb 17, 2010
Suddenly I'm hungry for peanut butter.....lol...

Thanks Angie - I am generally VERY careful about doing these same as cash deals. I've done so many....but when was the last time you heard Art Van or Best Buy advertise almost "10 months same as cash"...lol...

“You're gonna make it after all”

Since: May 09

United States

#7 Feb 17, 2010
Batch 37 Pain Is Good wrote:
"12 Months same as cash" where did that advertising disappear to. You have only one month in question if I am reading this right. Might as well pay it and provide very bad reviews to the public.
There was no promotional flyer. Not the first time - or this second time we did it. It was 'approved' thru GE by my sales rep the first time as that's what I had to have for him to 'close the deal'. Same EXACT deal is what we discussed the second time to finish the second set of windows. That's why I am being told this was more verbal than written. Particularly since it's not really spelled out on either contract. The back of the contract has the generic "3,6,9, 12 or 18 months" Same as Cash info....well which one of those does my contract sound like if the first payment was 2/24 (for down payment) and the second was 3/17 at the completion of installation? From 2/24 to 1/9?...not quite 11 months same as cash....yeah that's it. What a fricken joke. I'd rather put my $1,000 into suing their behind and making sure they don't screw anybody else then paying them a penny!

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