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Doggies Blog: Recent Posts
Austin: Scottish Terrier Breeders
Below is a sample search of our Scottish Terrier breeders with puppies for sale. The search tool above returns a list of breeders located listings located nearest to the zip or postal code you enter. From there you can see photos of their pups, find out detailed information on their web page and contact them by email, phonoe or even get driving directions.
(Detailed contact information has been omitted Use Enter your zip or postal code above to access our up to date directory).
This is a FREE search tool! Use the form at the top to get complete listings for breeders in your area!
Houston Scotties
Additional Information: ONE ALL BLACK MALE PUPPY LEFT! Ready for new home January 6. AKC female is a loved family pet that is smart, playful, good natured, and enjoys children.
* BORN: November 14 --> 3 Males and 2 Females. * Male puppies sell for $750 and females sell for $800. Puppies will be... ...
Scotties On The Lake
Additional Information: Sorry Scottie mom's are on break. We may have a Spring litter of ACA. Black AKC mom will have puppies next Fall (2015)
Great bloodlines and personalities. Parents are family pets, Not a Kennel. If you need my references or may contact my vet. I do not ship it is to... ...
Scotties Love
Additional Information: Scottie litter Born December 5, 2014936-329-26321 boy black , 2 girls black ,1 girl wheatenAKC registered. Mother wheaten. Father black$850
Windy Ridge Kennels
Additional Information: Over 20 years...Small family AKC breeder of Scotties, Northeast of Dallas. We love our pups and breed only for the best of the breed. Call and come see our pups and our facilities.
All pups are AKC registerable, family and other pet friendly, with calm tempers, healthy and loveable. We find each pup born is unique in its own... ...
Additional Information: We raise pre-spoiled quality Limited AKC and CKC Black and Wheaten Scottish Terriers. Over 40 years experience. See photos of your baby from birthday thru weaning, watch your baby grow and change.
We raise Black and Wheaten Limited AKC and CKC Scottish Terriers.� They are up to date on dewormings and vaccinations.� They come with their... ...
Scotland Yard Kennel
Additional Information: 20 years of raising healthy, beautiful Scottie companions. 1-2 litters a year, we also handle adoptions of adults on occassion. Our Scotties are bred for health and temperment. Email for info and pic
Please contact by email for more info and pictures.... ...
Creole's Scottish Terriers
Additional Information: Exquisite black pick of the litter female Pup Born July , 2014 Vet Checked Shots & Wormed , Wonderful outgoing temperament !!! 985-264-2169 or 504-358-1400 . Janie
Beautiful Black,Brindle and Wheaten Babies will be Available !! Born Jan 12,2013. These Babies will have There 1st Set of Shots and... ...
Wonderland Kennels
Additional Information: Fabulous Scotties with excellent Champion pedigrees! Our puppies are kid tested and cat approved! Please visit our website for pictures/prices and puppy availability. Thanks for looking! God Bless!
We breed Quality Scottie's with excellent Champion bloodlines, yet very reasonable prices! �Our puppies are bred to the AKC standard in health,... ...
Additional Information: AKC Scottish Terrier puppies. Wheaten, black and brindle. We have been breeding Scottie's over 18 years. Health guaranteed, immunizations current. Call us at 256 778 7423 or 256 227 1970.
Breeders of Scottish Terriers and Chihuahuas for over 18 yrs. We are a very small kennel located in North Alabama. We are proud of our pups.... ...
Jawizza Kennel's
Additional Information: AKC Scottish Terriers Champion Blood Line Wheaton Black Brindle $900.00 2yr Generic Guarantee.Vet Certificate wormed, Shots 6wk 9WkStud ServicesNext Litter Available 03/07/11 Pictures
AKC Scottish Terriers Champion Blood Lines. Wheaton Black Brindle Limited AKC $900.00 2yr Generic Guarantee Vet Certificate wormed,... ...
Wind Chimes Scotties
Additional Information: ONLY SCOTTIES. Raised IN my home w/their parents. NO cages, kennels or barns for these little Scots. Adoptive families rave about their temperament. AKC only!
Beautiful Puppies with emphasis on temperament and health. My ONLY breed is Scottish Terriers. I am NOT a mass producer of puppies raised in pens... ...
Grey House Terriers
Additional Information: We have Puppies !! Contact us now if you want to add a beautiful Scottie to your family. Raising Quality AKC puppies for over 25 years. 1 year genetic guarantee
We have Puppies !!We have 2 beautiful (cream colored) wheaten Scottie puppies available both males. Contact us now if you want to add a beautiful... ...
Rosslyn Scottish Terriers
Additional Information: Rosslyn Scottish Terriers is a show kennel located in Tennessee. We show our dogs in conformation to have them evaluated by others.Our goal is to produce dogs that are healthy and to the standard
Please check our website/puppy page for more information. www.rosslynscottishterriers.com Rosslyn Scottish Terriers is a show... ...
Ruffin Farm
Additional Information: Rare Wheaton Scottish Terriers
Pups born 11-26-14. Available for adoption second week of Jan. 3 Wheaton Boys, 2 Black Girls, 1 Brindle Girl. The pups are not... ...
Shady Nook Scottie Farm
Additional Information: We ONLY breed AKC Scotties. All Colors - All dogs tested & clear of vWD. We update our website weekly. Our service is tops. We send pix's of your pup each week w/updates on the litter & our family.
Last updated ~12/04/14 SHADY NOOK SCOTTIE'S is located in Southern Indiana. We have down sized!! We have no Kennel we only... ...
Eroglen Scottish Terriers
Additional Information: Over 30 years of breeding Scottish Terriers for excellent structure, outstanding temperament, and optimal health. Numerous AKC champions. Long standing member Scottish Terrier Club of America.
DM Farms Scotties
Additional Information: Welcome to DM Farms Scotties. We raise AKC registered Scottish Terriers in Conyers, GA. Our Scotties are a big part of our family and are raised in our home. We love our Scotties!
Welcome to DM Farms! We are the Clark Family: Mike, Mandy, Sarah, Jessica and Bella are the Humans. Angus, Maisie and Buttercup are the... ...
Knights Scottish Terriers
Additional Information: Our puppies are family raised with lots of love and attention. They are handled and played with by our young children, giving them wonderful personalities as they grow up. We also take the time, from the beginning, to start potty training them.
WE HAVE PUPPIES NOW, as of 3/31/2014!!! Please contact me ASAP for more details... :-)It is no surprise that our puppies are the most lovable,... ...
White SHADOW RANCH
Additional Information: Premier breeders of Scottish Terriers for 56 years, many repeat clients and many famous clients, we board and groom if you live locally. We have an on staff veterinarian and very socialized puppies.
We are an award winning kennel, lovingly raising Scottish Terriers for 56 years. We have a repeat clientele, some of them buying their third... ...
McBine Scotties
Additional Information: *****All puppies from ~ 9/29/2014 litter are currently spoken for****Next litter is expected fall 2015
All puppies are AKC registered and Vet checked with first shots and heath certificate. A $300 deposit is required to hold a puppy... ...
South Carolina Scotties
Additional Information: Now taking deposits for AKC Registered Scottie's for Winter 2015. Please see the waiting list on the Price page on our website. www.southcarolinascotties.com843-277-4776
Willowview Kennel
Additional Information: Longtime breeder over 20yrs/5 generations with references upon request.Several Pups avail. Males-ready to take home born June-August Call ahead for info, prices, ages.704-888-4711. I do not ship them.
DECEMBER 18Several puppies are available now Shots up to date, most are given 2-3 vaccinations before they leave. All are AKC registered.... ...
Kokopellie Kennel
Additional Information: Stud Service-----WheatenLove is a Scottie!We do not have pups at this timeI AM LOOKING FOR A STUD DOG...I LOST MY STUD AND NEED ONE. IF YOU ARE GOING TO RETIRE A DOG IT WOULD HAVE A GREAT HOME!
AKC Scottish Terriers are fantastic dogs!!!! We have been raising these wonderful dogs for over 25 years. They have so many wonderful... ...
Herron's Sandhills Scotties
Additional Information: We offer puppies with sweet dispositions & beautiful colors from champion bloodlines. Our Scotties are part of the family and not kept in a kennel. Next available litters (4) will be born in Mar/June.
Sandhills Scotties come in all colors! They have sweet and loving personalities. They have never met a... ...
Shadybrook Kennels
Additional Information: We have quality AKC registered scottish-terrier puppies. They will be UTD on their shots, dewclaws removed and dewormed several times before they leave for their new homes. 336.227.8924. Pups NOW!
Updated 11.10.14 - We have 1 beautiful solid black male AKC solid black Scottish terrier puppy available. They will be UTD on their shots and... ...
Scotland Yard Kennels
Additional Information: Beautiful top of the line Scotties for over 32yrs.When you are looking for professionalism,and honesty with integrity,give us a call.Scotland Yard Kennels,known Worldwide for quality.Pups available!
Scotland Yard has been offering quality Champion Scottish Terriers for over 32 years.Genetically,and Health Guaranteed,we stand behind them for a... ...
Additional Information: Benscot Scottish Terriers was established in 1957. We pride ourselves on having happy, healthy and beautiful dispositioned Scotties. We show our dogs but most of our puppies are in loving pet homes.
BENSCOT Our Scotties are home raised, healthy and sweet puppies. We show our Scotties in AKC events and have many champions to date. We belong to... ...
Additional Information: Owner of AWARD WINNING DOGS.AKC Puppies are born! ALL BLACK PUPS IN THIS LITTER.Check w/us for other colors.Breeder/groomer/vet tech.Superior temperament,health & quality.Please call 434-374-2969
OWNER AND BREEDER OF AWARD WINNING DOGS! PLEASE VISIT MY WEBSITE.PUPPIES AVAILABLE NOW!! Foxcreek Scottish Terriers,where quality,health and... ...
Ravenbout Scottish Terriers
Additional Information: Black Scottish Terrier puppies with that true entertaining terrier spirit health guarantee, shots, selling most puppies on a spay/neuter contract,Disposition is primary for that perfect companion.
I have raised Scottish Terriers for over 30 years and in the last 10 years have done some showing with the help of many great breeders.It... ...
McGreeters Scotties
Additional Information: Puppies are small, beautiful, and well socialized. I give a 1 year guarentee on all my pups. Please email or call me for more information and current litters. Thanks for looking
We live here in Elko Nevada. My dogs run, play and hunt what ever they can find. They are well socialized, athletic and well socialized with other... ...
Important: breeders.NET has not screened the listed breeders and accepts no responsibility for their reputation or quality. It is your responsibility to investigate. See How to Find a Dog.
New Articles
DOG HEALTH Many new puppies are adopted throughout the year, especially around Holiday time. One responsibility most first time dog owners forget to take into account is the amount of veterinary care that is necessary in keeping your puppy happy and healthy! Learn the basics of finding a vet and getting puppy vaccinated.
DOG HEALTHThere are many benefits to spaying and neutering, but there are also more than a few risks. We want to give you often overlooked information you need to make a full and informed choice.
ADOPTION Are you intimidated by the prospect of "rescuing" a dog from a shelter? One reason that you may be wary of adopting a dog from a shelter is not knowing how to choose. Adopting a dog from a shelter can be a rewarding process, if you're prepared to do a reasonable amount of research.
DOG HEALTH As we get older, most of us probably have at least one prescription medication we take regularly, and for many, some form of pain reliever is a daily necessity. We might think that these same medications can help out our dogs as they get older, but their systems react to these chemical compounds in ways much different than ours.
DOG HEALTH Bringing home a new puppy is so exciting, but it doesn't take all that long for your exuberant puppy to grow into a senior dog who may have special needs. Here are the doggies.com top ten tips for taking care of your companion who has been with you through so much.
DOG FUN Whether you like to go out on your pontoon, a fishing boat, or even a canoe, life on a boat can be even better if you bring your dog along. Here's the doggies.com guide to dogs on boats. (A little different than Snakes on a Plane.)
DOG FUN There 's no doubt about it, taking your dog to the dog park involves a certain amount of good manners. Here's our guide to "keeping your nose clean" while your dog hangs out with his or her friends.
DOG BEHAVIOR Getting bitten by a dog can be scary, and you may be tempted to run around in circles for a while, trying to figure out what to do. Here's our guide to help you manage the situation.


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Organic Fiore Reverse Print Quilt
Item# 03-0778
$97.99 - $103.99
Beautiful Italian quilt with red and white blossoms
Special Offer: 20% off all Seasonal Clearance (final discount reflected in cart) (Details)
Our 220 thread-count Organic Fiore Reverse Print Quilt is made with 100% Organic Cotton that is soft to the touch. Features a delicate red and white blossom print on a geometrically quilted texture. Made exclusively for Gaiam in Italy.
Organic Fiore Reverse Print Quilt Features:
- Soft to the touch
- 220 thread-count
- Beautiful flower blossom design
- Pairs with our Fiore Sheet Set and Fiore Print Duvet (sold separately)
100% Organic Cotton
Commercial machine wash recommended. Can also machine wash cold or dry clean. Do not bleach. Line or air dry.
Rated 3.5 out of 5 by 2 reviewers.
Rated 5 out of 5 by Tammy22 Great print I only wish the material was a bit softer that may come with time, otherwise I am very happy with the style and design of the quilt. June 19, 2014
Rated 2 out of 5 by lalalouuuuuu I wouldn't call this a quilt at all If you're looking for a traditional quilt weight - something to use as the primary source of warmth on your bed, this is NOT the product for you. I would recommend Gaiam change the product name to "quilted coverlet" or just "coverlet" as that more accurately describes what this product is. It is the same weight as a coverlet or blanket and provides the same amount of warmth. There is a very very thin, almost undetectable layer of batting inside. When I ordered this, I was expecting a quilt - of substantial weight and warmth. For me, this is not worth the hefty price tag when I can get an organic blanket for under $100. If all that sounds okay to you and fits your needs, the upside is the pattern and color are pretty, I will warn you though that the intense red color will fade to a more heathered red after about 3 washings (following the care instructions). Bottom line is I will be returning this item, I just can't justify the cost since this wasn't the quilt I was looking for. May 28, 2014
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(4 Questions : 5 Answers)
Product Q&A
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4 years, 5 months ago
Number One Contributor
Answer:The measurements for the quilt are as follows.
* Twin (90"L x 66"W)
* Full/Queen (90"L x 90"W)
* King (90"L x 108"W)
4 years, 5 months ago
Gaiam Corporate Office
2 answers
Can this be washed in a home washing machine (i.e. non-commecial washer) -- I need a quilt that is easy to take care of...
6 years ago
Top 1000 Contributor
Answer:Washed up beautiful
4 years, 6 months ago
Answer:Care: Machine wash cool, tumble dry low.
6 years ago
6 years ago
Answer:Dimensions on the F/Q size: 102"L x 91"W.
6 years ago
Or possibly tepid water?
6 years, 4 months ago
Answer:Care: Machine wash cool, tumble dry low.
6 years, 4 months ago
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1 simultaneous user; Oxford campus users only.
The Nation is an important clearinghouse of primary source material in America and around the world. The Nation Digital Archive makes it possible for researchers to access 14 decades of America's best alternative journalism in ways never before possible. The archive includes perspectives on news, politics, and culture from writers, artists, novelists, and playwrights.
When the administration of the Western College for Women – now a part of Miami University – opened its campus to civil rights activists in 1964, the institution followed its long tradition of independence and innovation. An estimated 700 young, idealistic college students from across the north arrived in Oxford, Ohio for voter registration training before leaving to serve in Mississippi to register African-Americans to vote and assist with local community projects, like Freedom schools and the building of community centers.
Today, the story of Freedom Summer has the power to evoke important questions about American identity, public life, engagement, and commitment. This exhibit will focus on local resident Roland Duerksen and former student volunteers Carole Colca and Mark Levy. They have left the legacy of their work in the Western College Memorial Archives. This exhibit, which includes photographs, letters, audio recordings, and an interactive map of Mississippi, will serve as a narrative of their dedication to civil rights and social justice.
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Happy Birthday, Jane!
Year-end playlists from Amos Music Library
Finals Week: We got you.
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After two retirements whilst leading, Lewis Hamilton said a few encouraging words to his MP4-27 as he raced towards the win in the US GP.
Having retired at the last race in Abu Dhabi - and also in Singapore - while at the front of the pack, Hamilton was well aware of the consequences of McLaren's at times sketchy reliability.
So it was no wonder that while racing towards the victory at the Circuit of the Americas on Sunday afternoon, he had a little chat with his MP4-27.
"I rubbed the car and said 'Come on baby, we can make it'," he said. "To finish on a high is really special."
Hamilton had taken the lead in the United States GP, the penultimate grand prix of the season, when he overtook Sebastian Vettel on lap 42, making the most of backmarkers and DRS.
"To have a battle with Vettel was really special," said the McLaren driver.
"It was actually quite tricky. When I finally got close to him, I seemed to be catching him in the first sector, the backmarkers came into play, finally.
"How many times has it happened to me when I got caught out? It worked out and I knew that was going to be the lap.
"I turned the engine up to maximise the revs. I went for the inside, but he defended. I went to the outside and he closed the door a bit so I was very lucky."
The victory marked Hamilton's fourth of the season with the Brit revealing he "nearly lost his voice" as he was screaming for joy on his slow down lap.
"I was screaming the whole time. Not cool at all but I'm just so happy. To come back here, after such a long time, and win is something really special."
Related Links
Hamilton Beats Title Duo To American Win
United States GP In Pictures


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Singles pace Jets in win over Jay
Adams Central scored a singles sweep and posted a 4-1 win over Jay County in varsity girls' tennis Thursday evening in Monroe.
Chelsea Selking and Lauren Harvey were straight set winners for Adams Central, now 10-1. Selking scored a 6-2, 6-1 win at number one singles and Harvey was a 6-4, 6-1 winner at number two.
Hali Wendel added a 6-7 (4), 6-4, 6-0 victory at number three singles, and the doubles unit of Katie Johnson and Amy Goulet scored a 6-2, 6-3 victory at number one doubles.
Madison Johnson and Emily Parrish were the only casualty for Central as they lost 4-6, 6-4, 4-6 at number two doubles.
Central won nine reserve matches, getting singles victorie...
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National Tattoo Supply stocks a huge collection of tattoo books and related publications. Our library of books and tattoo magazines is the perfect place to start when you begin to design a tattoo, when your client needs help brainstorming tattoo ideas, or for anyone interested in the world of tattooing. Find books by Don Ed Hardy, Bob Baxter, Kate Hellenbrand, and Spider Webb, just to name a few. Popular titles featuring tattoo artwork by Sailor Jerry Collins and Filip Leu are also available.
Don Ed Hardy's hardcover book Art For Life and his classic book Forever Yes are both in stock at National Tattoo.
National stocks many full color tattoo books with dragons as the subject. From 100 Dragons by Horimouja, to The Best Dragons by Guido Baldini, find fantastic dragon tattoo art to inspire that next tattoo.
Japanese style tattoo designs can be found in books by Horimouja, including 100 Japanese Tattoo Designs Volume 2, 100 Japanische Tattoo-Motive, and Bloody Japanese Prints. National also has a large selection of books such as Horisyoshi III: One Points, Tattooing from Japan to the West, and Bushido: Legacies of the Japanese Tattoo by Takahiro Kitamura.
Sailor Jerry has become one of the most popular subjects for tattoo books, such as Sailor Jerry Tattoo Stencils volumes 1 and 2 by Kate Hellenbrand. National Tattoo is proud to stock these stencils, as well as occasionally stocking the Sailor Jerry Tattoo Flash books.
Franklin Paul Rogers, Madame Chinchilla, Steve Bonge, Mitch O'Connell, and Henk Schiffmacher books are also available at National Tattoo Supply, and both artists and customers can keep current with tattoo trends and news with tattoo magazines like Tattoos Down Under or the annual Tattoo Revival.


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Holiday Sparkle: Party Styles That Fix Your Figure
RSVP "yes" to every party this season, and have fun dressing up in outfits that flatter and flaunt your figure
Manage Your Middle
You won't have to worry about sucking in your stomach in this floaty paisley-print blouse ($109, Lauren Ralph Lauren) the chiffon skims over any rolls. To offset the flowiness on top, pair with slim cigarette pants ($119, Talbots) in festive cranberry silk.
Make a sheer boatneck top your new best friend; it flashes skin without being too revealing, emphasizes always-svelte collarbones, and plays up dazzling earrings.
Paisley-print blouse, $109, Lauren Ralph Lauren; macys.com. Dupioni ankle pants, $119, Talbots; talbots.com. Brilliant Blast earrings, $65, Sorrelli; opensky.com. Festival ring, $95, Jules Smith; julessmithdesigns.com.


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Tie-Front Tessa Top
The button-up blouse with a modern makeover: in a shorter length with the chicest tie-front hem.
- Iridescent shell buttons.
- Shirred back at the yoke and ruched elastic hem.
- Roll-tab sleeves for versatile styling.
- Length: 24" to 27".
- 100% polyester.
- Machine wash. Imported.
We're so sorry: this item sold out sooner than expected. For an equally chic substitute, please call our Personal Service Associates at 1.888.855.4986. Or click on Chico's Chat below for immediate assistance.


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Charley's Taxi & Tours
1451 S. King St., Ste. 300
Honolulu, HI 96814
Reservation Info
Phone:(808) 233-3333
Fax:(808) 533-1161
Toll Free:(877) 531-1333
Charley's Taxi has the newest premium taxi fleet and the most professionally trained drivers.
Our special flat-rate fares between destinations like the Airport and Waikiki, Ko Olina, Pearl Harbor and Oahu's military bases provide clear and affordable pricing for visitors and residents alike. One simple flat rate pays for up to 4 passengers with one suitcase and one carry-on, per car, one way.
We also offer premium executive taxi, van and limousine services; concierge services; airport greetings and transfers, FIT and group handling. We strive for the highest professional standards in the transportation and tourism industry. We have online reservations, 24-hour high-tech dispatch with full service in Japanese, unique in the nation. Portfolio available by request.
Cards Accepted


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Write Review
Compare General Network Services
Protection One
reviews & complaints.
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Protection One Punishes Loyal Customers
Posted by
In 1995, my wife and I bought a home in San California which came equipped with a burglar alarm system. We opened an account with Alert Alarm Company for a 3 year contract. We continued the service long after the 3 year term expired with this company, which became Protection Service Industries, then Integrated Alarm Systems Group, both part of Protection One.
In 2004, we moved to Washington State and rented out our CA home. We continued to pay for the alarm service for our tenants. We paid all of our bi-monthly bills promptly via online billing regularly through August 2007.
In September 2007, our tenants told us they didn't need the alarm service. My wife called Protection One and spoke with a female account representative, settled the remaining balance and cancelled service over the phone. At no point during this conversation did the account representative tell my wife that they could not cancel our service without written notification from us, or that we should consult our original contract, or that anything more was required on our part to cancel service.
In Dec. 2008, I received an alert from a credit report monitoring service that a collection agency called Asset Resources, Inc. had reported an unpaid balance of $400 to Equifax. Having never received any letters or phone calls prior to this alert, I immediately called Asset Resources to inquire about the matter. I was told it was regarding my account with Protection One.
I called Protection One, whose representative told me they sent several notices to our Washington address in 2008 and had made several phone calls to our former California phone number (which had been discontinued since 2004). I explained to her that we never received any such notice by mail or phone, and would not expect anything from them as we had paid our bills online. Anything they may have sent would likely not have been recognized or been considered junk mail and unopened as the company name and logo has changed so many times. They also said there was no record of us ever cancelling our account and the contract requires written notice of cancellation, and would otherwise continually automatically renew for a full year term – forever, presumably.
I explained the situation to the collection agency, Asset Resources, and was treated with belligerence by a manager who insisted he will continue to report this account to the credit bureaus as unpaid unless we pay him $400 immediately. He also claimed to have called (the same discontinued phone number) and sent us notices via mail, which we have never received. I explained I have every intention of disputing the matter. He said he would begin the dispute process. A month has passed and we still have received nothing from them.
I asked Protection One for and received a copy of our original 1995 contract with Alert Alarm Company, which I will send to our attorney for review. I have discovered there are scores of customers who have had similar complaints against Protection One.
I am appalled that Protection One would treat its loyal customers this way: They accepted our cancellation of service by phone, then waited a year to demand compensation for a service they did not provide and used a 13 year-old contract with a company that no longer exists to use as justification.
Shame on Protection One. Stay away from them.
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Who is supposed to protect us from them?
Posted by
All was fine in regards to service. The problem I had was with the billing dept. I completed my contract and canceled. Two months later they sent me a bill for the following year saying my contract auto renewed, yet I canceled on the last day of my contract. I called and the very nice attendant explained that there is nothing they could do, except take my money of course. I'm sure they have enough fine print to justify their actions, they always seem to have the legal edge. But they are crooks just the same.
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azRider on 02/17/2011:
did you cave in and pay? I would not send them a dime if you cancelled. don't let them bully you into a new contract. if you cancelled tell them your done. don't give them a card, do not pay. its that simple. stick to your guns and say 'look this contract is over, I'm cancelling it'. send them a letter also. when they come knocking just repeat the story that you cancelled them. if they say they are going to go to court let them. tell the judge you want to cancel and they won't let you. in most states they have to give you the right to cancel by law.
jktshff1 on 02/17/2011:
If the cancellation was done verbally, then the op would have not proof of cancellation. You always need to send a letter (preferably registered, return receipt requested) to have your proof. Pain in the rear, yes, but it covers it.
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Very Shady
Posted by
I signed up for Protection one over 10 months ago. When I talked to the salesperson on the phone, I clearly stated that I would only be in the home for 10 more months. I relocate for my job pretty frequently. However, I was broken into and didn't feel safe not having an alarm system. He told me not a problem.
So, installation person arrives, sets everything up. He was 2 hours late so he didn't arrive to my home until almost 6. He ran into issues when installing the system and wasn't finished until 9. He proceeded to tell me he had been up since 6 and really wanted to get home. He then brought out the 5-6 page contract in 7 point type for me to sign. In all honesty, I didn't read the contract in its entirety. He was telling me had to to get home, he hadn't eaten since noon, and I just was tired myself so I signed it without reading everything through.
I didn't realize until a month ago when I tried to cancel that the contract on paper was completely different than what the salesperson sold me on the phone. I called the customer service and asked them to pull up the recorded conversation. Conveniently, the every call is recorded option didn't work in my case. The phone call was not recorded. If it had been, they would have found that the salesperson very blatantly lied to me.
I cannot renew the contract in my new place because I am not allowed to install a security system per HOA rules. Most contracts offer you an out if you are unable to fulfil the requirements of the contract. Now I have to keep paying the monthly charge for something I can't use or pay $750 to cancel. Even cell phone contracts are only $250, plus they prorate the $250 over the 2 months!!!!
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Skye on 08/30/2010:
I'm not sure why you are calling them shady just because you did not read the contract. You should have said you would not sign it, until you were able to read the contract in its entirety.
goduke on 08/30/2010:
You're HOA won't let you put security in your home? Are they going to pay for everything if you get broken into?
Lifemates on 08/30/2010:
Typical slimy sales person. They sweet talk you and then you are stuck with a completely different agreement. I think this is a very valid complaint.
Venice09 on 08/30/2010:
I completely understand not wanting to read the contract in its entirety at that hour, but it wouldn't have taken long to just check the cancellation terms, since that was the one thing most likely to become an issue due to your circumstances.
It's suspicious that your call was not recorded, and it does make it look like the salesperson misrepresented the contract, but you did sign it and have no way to prove you were lied to. Under the circumstances, it would be nice if they reduced the cancellation fee.
Your review is helpful in that it reminds people to always read before signing.
cmparker4 on 09/02/2010:
Skye, they are shady in that 1. The salesperson on the phone misrepresented what I could actually signed up for. 2. The installation person installed everything and then handed me the contract after 4.5 hours. It was 9 pm at night. I had been up since 4 a.m. I was told the installation would take an hour! 3. I did call after the installation because they actually charged me more for the installation than what the original guy had told me.
4. When I called, they told me every call is recorded when you sign up for service. My call wasn't recorded. If they had been able to pull up a recorded call, they would have heard the salesperson misrepresenting their contract terms.
So, if I had known in advance that I was paying for a 3 year contract and if I cancelled I would have to pay $750, I would never had them come over and spend 4.5 hours installing.I wold have just bought a gun for $500.
I admittedly said I didn't read the contract in its entirety but I feel that due to the circumstances, Protection One should be willing to work with me. I'm not trying to get out of it. I am trying to work them to come to a fair and reasonable agreement.
Sj on 06/27/2013:
I think they are out to scam you. I had them up grad my service to the cell and I paid for the equipment and install that was no big deal then after all was said and done they made me sign another 2 year contract cause the cell service was not in my original 2 year and I only had a year left on it. And if I didn't I would have to pay the 750 cancellation fee on the original contract. Now the new contract is up I called to cancel and the rep was rude trying to con me again I finally had the rep transfer me to a supervisor and I told her why I was canceling and I didn't have the time or energy to hear all the options to stay just like I told the rep before. They had me pay the final bill and email my name and address and why I wanted to cancel. I will never use them again and I will tell all friends and family in person or over Facebook to stay clear of protection one. Plus the equipment is so out dated.
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Beware of Contract
Posted by
WICHITA, KS, KANSAS -- I notified Protection One of an installation problem during the first 90 days while the system was under warranty. Due to scheduling difficulties, I was not able to schedule a service tech to look at the problem for two months. I was later charged a service call charge even though the problem was clearly an installation issue and was reported within the warranty period.
When I explained to the CSR supervisor that it would not be beneficial for either parter for me to cancel, she transferred me to the cancellation department anyway. After this first three year contract I will probably not renew the service. Hmmm, their loss...
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Susan @ Protection One on 04/08/2010:
My name is Susan, and I am with Protection One's Executive Customer Relations team, where our focus is on resolving unique issues that sometimes occur.
At Protection One, we do strive to provide an excellent level of customer service, and I regret learning of the experience you describe here. I would greatly appreciate the opportunity to review your account more closely with you. Could you please contact us anytime between 8:00am and 5:00pm CST Monday through Friday at (877) 835-3338 or at firstname.lastname@example.com? Please be sure to provide your name, contact information or account number. You also may reach us at firstname.lastname@example.com seven days a week.
Thank you for your time. I sincerely hope to hear from you.
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Theft by the Security Company
Posted by
SEATTLE, WASHINGTON -- Homeowners Beware! DO NOT use Protection One.
Let's just start with the fact that it took them over a month to completely install our alarm. The technicians were unprepared when they came, had to order parts multiple times and replace faulty parts. It was a mess. Annoying, but they fixed it.
The real problem ONE OF THEIR TECHNICIANS STOLE OUR PRESCRIPTION MEDICATION!!! This happened six months ago and I finally got a call back from their regional manager today who assured me that they did an internal investigation and their technicians were blameless. Really? Our Oxycodone and hydrocodone walked off by themselves from the master closet where the technicians were working that nobody else had access too? I asked the manager what steps were taken in their internal investigation and was told that he could not provide that information. Lovely.
I would never ever ever recommend them to any homeowner. Stay far, far away from them.
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Soaring Consumer on 05/26/2009:
Did you file a police report when you realized that they stole your medication?
The investigation they claim to have did likely never existed, and they are just giving you a bogus cop-out.
madconsumer on 05/26/2009:
Soaring Consumer are you paranoid????
not everything requires to sue, make a complaint to the fda, epa or police.
first thing in an investigaztion, is, who else lives in the home and ages? any babysitter? housekeeper? whose name was the prescription written? how many pills are missing?
far to many details missing to call suspect to court.
Nohandle on 05/26/2009:
Thankfully I take few medications so don't know if the drugs missing were classified as controlled drugs or not. If controlled, yes it should be reported to the police if for no other reason than to be eligible for untimely refills. Since Coffeebean you have no proof as to who stole your medication there's no recourse for you other than to not leave any unknown individual free access to roam in your home.
Anonymous on 05/26/2009:
If the install guys are stealing peoples Oxycodone and hydrocodone I can see why the installs are getting so screwed up. Oxycodone is a very powerful drug and addicting. Protection One needs to protect their customers from the Protection One employee's.
DigitalCommando on 05/27/2009:
Do you hang your clothes in the medicine cabinet?
PepperElf on 05/27/2009:
I would wonder just how they'd do an "internal investigation"
and yes a police report should have been filed immediately, especially if they were prescriptions with known addictive properties.
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Poor Installation, False Credit Reporting
Posted by
CHICAGO, ILLINOIS -- Protection One we were burglarized within a month our system was installed. The system improperly; the window sensors were installed so that the alarm did not go off when the top of the double hung window was opened. Our insurance adjuster wondered about that coincidence....
We canceled in accordance to the contract; written notice within the time period specified and Protection One stopped taking automatic payments. About a year later we were contacted by a collection company for not paying our bill. About a year after that we found a false report on our credit report about this that lowered our credit rating. Beware, do not do business with this company.
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Anonymous on 04/21/2008:
Thank you for your informative post. I hope you contested the errors on your bureaus and contested the company's claims on the grounds that you cancelled according to the terms of the contract.
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Alarm Monitoring-Protection One Deceptive!!!!!!
Posted by
Protection ONE
PO Box 492392
Wichita, KS 67201
In 2002 I entered into a contract at XXX Street SE Palm Bay Florida for monitoring service. I was told by the salesman in front of witnesses in that my contract was transferable if I moved and at the completion of the timeframe there was no further obligation. I was paying upfront for the equipment and I would pay so much a month for monitoring. I moved in 2004 to YYYY Street in Palm Bay Florida and transferred the service, no problem, I again paid for new equipment, I got a move credit, the salesperson told me that I was on the original contract and that the timeframe expired, however he had me sign a new contract "because this is how we transfer". I relocated to ZZZZZ Street Fort Wayne, Indiana in 2005, the services were again transferred, I got a move credit, paid for new equipment and again I was told that I was "out of contract" but I had to execute paperwork "because this is how we transfer". In August 2006 I called and cancelled the service because we were again moving, I was told over the phone, "Not a problem" and call us when you get a new house and we will give you a move credit towards your new service". I was sent a letter in October telling me that I had to write in to cancel, a phone call was not sufficient. I continued to be billed thruout this timeframe. I wrote a letter in October to the company again cancelling the service and explaining the situation. I received a letter back advising that I may be billed through the end of the agreement (although my original agreement had long since been met) and/or be required to pay an early cancellation fee. My bill was over $750.00. I wrote Richard Ginsburg, President and CEO at Corporate Headquarters complaining and explaining that all of the employees told me the same things and that this was deceptive business practice. I received a call from some person named Nancy Roe, she was rude, advised that I had to pay, that I had signed a contract, that I couldn't pay it over time and that I would be billed the full amount of the contract, which I was.
This company is totally deceptive, they are charging for a service that they are not delivering, their own representatives all advised that I was "out of contract" after Alameda yet the company has escalated the billing and is chasing me to pay for something that they are not providing. How can all the employees of the company from Florida to Indiana to Corporate HQ all tell me the same wrong information, unless this is how they train their employees?
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tnchuck100 on 01/24/2007:
Can they produce a contract that you signed for the time period in question? If the only one you signed is the original one from 2002 and it has expired then they are just trying to bully you into paying.
Communicate with them only in writing. Make them prove you are under contract. Watch your credit reports. Dispute anything related to this in writing. Do not give in.
Hugh_Jorgen on 01/24/2007:
Chuck's advice is sound, but check the contract they had you sign in 2005 - whatever it says is what you are going to have to live with, regardless of what a salesman told you. However it seems like you have been a loyal customer through many moves, it would be in their best interest to keep you happy.
ducati900ss on 03/22/2007:
Protection One has been sued in a few states for contracts. Check out there stock symbol and then look up there previous history. They are into threatening people to pay them but in court there contracts usually do not hold water and if you beat there contract in court there company is worthless because there worth is based on the contract. This means they do not want to take anyone to court because there bark is everything.
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Posted by
This has to be THE WORST COMPANY EVER. The Tech Staff who came into our company, 10 alarm panels, were the most unprofessional individuals I have ever met. Hats on sideways, 2 of them were hung over, foul language in front of my employees, you name it. Are we are suppose it "trust" this company for our security needs? So far, the service as a whole, installation to dispatching is a complete failure. We are addressing legal matters as well as exchanging services at this time. They may be sufficient for residential but not for commercial applications.
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Scam Beware!
Posted by
Medical emergencies bring out the best in some, the worst in others. Well, needless to say...CareCredit brings out the absolute worst!!! Simply and to the point, they take advantage of patients in a bad situation. CareCredit.com are vultures – and if you can avoid dealing with them, I advise making whatever effort is necessary to do so.
CareCredit.com has signed up medical providers – not just MDs, but dentists, therapists, and veterinarians. If you have a huge medical expense, and can't afford the entire amount, chances are your medical provider will probably mention CareCredit.com and their wonderful three- or six-month no interest plan. Well, I had an overwhelming amount in dental costs and my dentist suggested that I apply for Care Credit for part of the amount. When I called them, they were EXTREMELY pleasant! I was approved during that very phone call. I have excellent credit...but needless to say, that was NEVER even checked.
The concept sounds very much like an act of mercy, guaranteeing that people who are in desperate need of funds to pay for their medical procedures will get the help they need.
CareCredit.com is actually GE Capital (the same people who made your 'fridge lend out lots and lots of money). They're not in it for altruism – they're in it to make money – and make money they do. HOW? BY LYING TO YOU!!!!
This is not a loan, it's a credit card – in a few days, a MasterCard appears in your mailbox. In theory, you can use this card to charge more medical expenses. What's different about this card is that, unlike all those offers you're getting in the mail every day, the interest is GETTING ADDED EVERY SINGLE DAY at the maximum amount allowable under the usury threshold of 24% APY.
That vaunted "interest-free" period is only "interest-free" if you pay off the entire bill within the no-interest period. Pay off all but A FEW BUCKS and you owe interest on the entire bill.
In my case, CareCredit.com never bothered to send me any form of information about the account AT ALL. Sure, they got the card to me, but nothing else. They're never sent me any information about the payment plans, and more to the point, they've never sent me a BILL!
I had less than $3,000 left to pay on the card prior to the "promotional period" ending. My dentist called up to add $9,000 to the card and asked if he did so, would they extend the promotional "interest free" rate for an additional 12 months. THEY GLADLY AGREED! Well, one day, I go online and notice that they are charging me interest. I called and not only was the customer service agent extremely rude, he proceeds to insult my intelligence insulted by stating that I should learn to read. (I'm sorry, last I checked I have my PHD! I am quite certain I KNOW HOW TO READ! This comment coming from a customer service representative who probably gets paid minimum wage at best.) Apparently, I was being charged "deferred interest" because, according to them, I never paid the prior balance off. First of all, I sent them a payment of $3,000 (which was OVER the amount I owed) and they applied that amount to the NEW BALANCE! WHY???? I HAVE NO IDEA! In addition, WHAT WAS I SUPPOSED TO READ??? NOTHING WAS EVER SENT TO ME BUT REGULAR STATEMENTS!!! So in essence, I KILLED MYSELF PAYING MORE THAN THE AMOUNT DUE EVERY MONTH...Just to get slammed anyway. THEY PROMISED MY DENTIST THAT THEY WOULD EXTEND THE PROMOTIONAL PERIOD IF HE ADDED MORE MONEY TO MY EXISTING ACCOUNT! Due to this, I am getting penalized for almost $3,000 in accrued interest. This is just ridiculous!
My Advice ...Avoid these people like the plague! THIS COMPANY IS A SCAM!!!!! Not to mention that their customer service representatives are incompetent (if not merely stupid) and worse yet, LIARS!!!
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azRider on 06/08/2011:
I'm not sure what a PhD has to do with it either. I have a Masters and I'm met some PhD's that are as dumb as dirt on everything outside of their field. sometime I have to tell you about the RF engineer that stored his floppy disks on his 4 drawer cabinet with a magnet. but I'm off track here.. I think new laws for this year went into effect that required credit card companies to apply all over payments to the oldest balance first; and also to require to show how long it will take to pay off a balance if paid by min payments alone. if so, when did you pay this debt? if this year, and they did not apply it to the oldest balance first, then you may have a case to fight with them. your not in default if they follow the rules, if I read your story right.
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Legal references for CareCredit fraud-fight back!
Posted by
MASON, OHIO -- To Whom It May Concern:
The purpose of this letter is to file a formal notification of complaint alleging numerous violations of the Consumer Credit Protection Act (15 U.S.C. 1601) on the part of CareCredit, in that CareCredit, aka GE Capital Cons Cardco aka GE Capital Consumer Card Company.
GE Capital Consumer Card Co. is a "creditor" by definition of 15 U.S.C. 1601-§103-f (Consumer Credit Protection Act) and therefore falls under the federal jurisdiction of the Federal Deposit Insurance Corporation (FDIC).
GE Capital Consumer Card Co. has knowingly and illegally:
- made a promotional offer of "interest-free" or "deferred interest" which, by its actions as enumerated below, it had or has no intentions of fulfilling, said offer falling within the definition of Section 226.2 of CCPA.
- levied late fees and finance charges when payments were actually received - and deducted from my bank account - PRIOR to the due date,
- charged illegal and exorbitant "account security" fees without any form of legal disclosure or explanation as to what those charges may be, constituting a "surcharge" under sections 103 and section 167 of the Consumer Credit Protection Act (15 U.S.C. 1601), hereinafter referred to as CCPA.
- has instituted retroactive "terms and conditions" without proper notification, in violation of § 226.7 of the CCPA.
- has provided such "terms and conditions" in a format that appears to be a third- or fourth-generation unreadable photocopy consisting of print so small and faded as to be illegible, in violation of § 226.5.
- has made it virtually impossible for customers (clients) to contact them in a timely manner by failing and/or refusing to answer telephone calls for periods of up to 7.5 hours (by placing the customer on hold for such lengths of time) and by failing and/or refusing to provide any means on its web site of contacting CareCredit by email or any other means than an unanswered telephone line.
- has acted to quash any meaningful payment inquiries by refusing to provide requested information to the bank upon which payments were drawn, in addition to failing to provide telephone-answering staff as alleged above.
Application for the above-referenced account was made under a "promotional offer" (Exhibit A - promotional offer), which provided for no interest if the account was paid in full within 48 months. This agreement was for the issuance of a "medical credit card" issued by GE Capital Consumer Card Co, 5300 Kings Island Drive, Mason, OH 45050, to cover dental (oral surgery) expenses in excess of that which were to be paid by the payee's dental insurance. The debt agreed upon was to be $1,500.00.
The first payment was due September 4, 2004 (Exhibit B - statement of payment due). Payment was received via electronic funds transfer on September 2, 3004 and was deducted from the payee's bank account prior to 2 pm the following business day, September 3, 2004 (Exhibit C - email from USBank, formerly and aka Firstar Bank). The minimum payment on the above account is $45 per month.
The defendant states that "payment is due by 5 pm on the due date" to "avoid additional finance charges." Payment was received and cleared well before that time.
Electronic funds transfer payments through USBank is guaranteed to arrive on the date specificied. This form of payment was chosen specifically to ensure timely receipt of payment, since US Postal Service delivery to and from payee's address is often very unreliable. In four years, I have had no problem with electronic funds transfers reaching their destination late.
The payee then received on Sept. 13, 2004 a "late notice" (which bore no postmark and was, in fact, bulk mailed - Exhibits D-1 and D-2 - envelope and late payment notice) claiming that no payment had been received, when in fact, it had. In addition, the payee was informed that a late fee of $35.00 and an "account security fee" of $23.25 had been charged additionally.
In a document received Sept. 13, 2004, after the contract was entered into, labelled "Account Security Debt Cancellation Agreement" (Exhibit E), there is no mention whatsoever of any "account security fee". Payee contends that this "account security fee" constitutes a hidden and therefore unlawful interest or finance charge, in violation of federal law.
On that date, Sept. 13, 2004, payee attempted to call the phone number provided (1-800-333-1071) and was informed by a voice recording that "due to a high volume of calls" there would be "a lengthy wait time". Payee kept the line open and was on hold for 3 hours 47 minutes before finally giving up, unable to speak to single human being during that time.
Additionally, the payee contacted the bank (Exhibit F - email) to notify them of the allegation by GE Capital Cons Cardo that no payment had been received, even though existing bank records clearly documented otherwise.
USBank aka Firstar Bank responded to the payee on Sept. 14. 2004 (Exhibit G - email) that it was investigating the matter, then followed up with another communication - also Sept. 14, 2004 (Exhibit H - email) that "GE Capital Cons Cardco will not discuss customer accounts with third parties" and suggested that the payee call 1-800-333-1071 - the same phone number which GE Capital Cons Cardo will not answer.
An additional payment of $55.00 was made by the payee and received September 17, 2004 and deducted from the payee's bank account on Sept. 18, 2004 for the payment of $45.00 due October 4, 2004.
No statement was received for a November payment, due Nov. 4, 2004; however electronic payment was made and received Sept. 29, 2004 in the amount of $100.00 (Exhibit I - details of USBank transaction printout), even though the payment due was $45.00.
For the December payment, due Dec. 4, 2004, an electronic funds transfer in the amount of $100.00 was scheduled to be received Nov. 18, 2004, though the amount due was $45.00.
On November 12, 2004, payee received a statement from GE Capital Cons Cardco (Exhibit G - statement) claiming no payment was received for October and that a late fee of $35.00 had been assessed, as well as a "finance charge" of $106.64 and an "account security fee" of $22.38. The payee was also informed that the "promotional offer" had expired on an unstated expiration date, in violation of the agreement made and the promotional offer (Exhibit A).
Also on November 12, 2004, the payee again attempted to call both toll-free numbers provided and was informed by a recorded message that "due to a large volume of calls" there would be aa "long wait time." After 2 hours and 17 minutes, the payee again gave up, and on November 13, 2004, sent this document with a certified letter to the defendant.
In summary, payee has so far paid $400 on a $1,500.00 debt and is informed the balance is $1,563.13. All payments have been made and received before the due date.
The payee asks for full restitution of the unlawful and exorbitant fees in the amount of $463.13 charged by GE Capital Cons Cardco, as well as all attorney fees and costs pursuant to this matter, and for full reinstatement of the "promotional offer" terms which were, and are, part and parcel of the agreement between the payee and GE Capital Cons Cardco.
The payee hereby notifies you, under the requirements of the Consumer Credit Protection Act. [15 U.S.C. 1601], that the aforesaid charges of $463.13 are contested for the reasons outlined above and that no such charges will be paid in the future. Payments will be made to repay the original amount of $1500, as contracted, in the time length necessary to avoid interest fees, per your "promotional offer."
It is my intent to file legal action - as a class action suit if possible - and to seek full restitution and double damages as provided for in the Consumer Credit Protection Act. [15 U.S.C. 1601].
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CareCredit is a Scam - Research them and Avoid
Posted by
You go to the dentist and she wants to do an expensive procedure that isn't covered by insurance. When you balk at the price, she has a cost effective alternative - CareCredit. DON"T DO IT - IT IS A TOTAL SCAM.
I needed a $2,293 program for my gums. When I said it was too expensive, she came up with CareCredit. According to the paperwork (that I have in front of me now), I would be able to pay for the program over 24 months, interest free. It would cost me just $95.54 / month. She explained that if I hadn't paid it off after the 2 years, I would owe the deferred interest at 19.99% annual rate.
Knowing I could easily afford that, I signed up. Big mistake. The pamphlet CareCredit put out is very carefully worded to mislead. In fact, everything about this operation is designed to mislead. The pamphlet shows that they offer 3, 6, 12, and 24 month promotional periods of 0% interest and longer periods at 11.9%. The brochure implies that if you are not in good standing, you get a 22.98% interest rate slapped on. What is not clear is how you ever get the 11.9% rate - you go to the 22.98% rate regardless of your credit rating in my experience.
Here is what really happened to me. I got my CareCredit card with the opening charge of $2293. I began paying it off, $200 per month. That was over twice the rate I needed to pay it off over 2 years. I set up an auto-pay and after verifying that it was working, decided to just forget about it and let it run till it was paid off. I never missed a payment and never had a late payment. I always paid more than the minimum payment. I did everything as stipulated!
In reality, it didn't work like I expected at all. After 3 months, the promotional period ended and I was back charged $167 in deferred interest. And then I started accumulating interest on the balance at the punishing 22.98% rate. Just for the record, my credit score is 782-790 and I have an interest rate of 8.9% on my Visa card. I pay off my credit card in full every month. In all my 25 years of credit history, I have never once carried a credit card balance over.
CareCredit is a dishonest money making scheme. The entire operation - from the way local medical professionals sell it, the ambiguous brochures that are handed out, the manner in which customer service operates, and the way in which the program is run is all about deception. You are led to believe you are getting one thing when, in fact, they are setting you up for punishing charges.
I find it shocking that a company like GE puts their good reputation on the line by operating this fraud. The executives of GE Money Bank should be investigated for wrongdoing and thrown in jail. This is a total scam.
Hopefully there is a class action lawsuit or some other way to end the fraudulent activity of this company!
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FlShopper on 06/10/2010:
The promotional period was over after 3 months? Did it say as much on your statements or did it show 24 months like you thought you were getting?
We had an account with them for 12 months 0 interest; every month's statement (which I viewed online) showed the amount of interest accrued and when the promotion was over. After the 11th month, I transferred everything out of there and that was that.
Any way you can transfer that balance on to your visa card?
grantcv1 on 06/10/2010:
My dentist had sold me on a 24 month period for a monthly cost of $95.54. Now that I look closely at the bill, I see that it was only 3 months at 0%. Because everything was on auto-pay, once I had set that up, I did not realize that I was being charged interest at 22.98% and that I had been charged the deferred interest.
When I spoke to the customer service rep, they told me that they set up 3 months initially and that I have 3 months to work with my dentist to get that extended to some other period. If I make no changes in the initial 3 months, then the 3 months is cast in stone. That is crooked. My dentist set this up. I filled out the forms and they submitted them. The paperwork my dentist gave me says 24 months interest free with a 19.99% deferred rate. I had no reason to believe otherwise.
FlShopper on 06/10/2010:
Interesting. That does sound misleading. When my husband got his account with carecredit, it was all set up from the beginning to be 12 months interest free. I think it stinks that they expected you to negotiate for better terms with your dentist.
grantcv1 on 06/10/2010:
What I find most dishonest about this whole thing is that clearly my dentist believed in what they were selling me. She believed that I would get 24 months at 0%. The paperwork she gave me says this. But CreditCare basically uses the dentist as part of the deception - using the dentist as a sales front and then blaming the dentist when you discover that you have been misled.
GE Money US on 06/11/2010:
I'm sorry you're having problems with your account. We'd like to help. Can you email your information to firstname.lastname@example.com so we can research and assist?
GE Money
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Stay Away From This Company
Posted by
There are a number of problems with CareCredit, (CC), none of which parent company, GE, apparently cares to change or address, so consumers beware.
The premise of this card is based on whatever CC program your medical/dental/veterinary provider has chosen to participate in. For example, one doctor's office may provide patients a CC plan to charge balances of $300 or more at 0% interest for 18 months. Another office may offer it patients a CC plan of 0% interest for 6 months on charges of $1,500 or more. At the end of those 0% interest periods, your rate on outstanding balances reverts to whatever astronomical percentage CareCredit has put in place. But the material point is that the CareCredit plan available to patients will differ from one provider to another. This may sound very attractive if you know you will be able to pay the balances in full by the end of the 0& interest periods---it certainly did to me---but it is also tied to the first issue with CareCredit: How the payments are applied.
If you have multiple charges from multiple providers, all with different plans, you better be keeping track of your payments because CC may not be applying them as you would like. Another complaint on this site alluded to repeatedly contacting the company regarding the reallocation of payments: That is precisely what you will have to do if you want your payment applied to, for instance, the $1,500 balance coming due in 6 months as opposed to the $300 balance coming due in 18 months.
This in itself is a total pain, but making it even more enjoyable is that you get to deal with the unbelievably rude and obnoxious customer service (for want of a better term) staff. These people must have received special instruction on how to enrage their customers in as short a time span as possible. I've never encountered anything like it before: No apologies for any confusion, no explanations for anything outside of scripted responses---which they will repeat ad nauseam until you find yourself wanting to scream. There is quite obviously no incentive program in place for CC reps to even ponder customer satisfaction or the lack thereof. And before I go any further, let me just offer the fact that I AM in customer service so I feel totally justified in my criticisms.
Now let's get to the available credit portion of my review. If you set up an electronic payment for any amount of $500 or more, (I'm not certain, but this may also apply to large payments by check), you will see your bank account debited and the payment will be reflected as having been received by CareCredit, but YOUR AVAILABLE BALANCE WILL NOT INCREASE BY THE AMOUNT OF THAT PAYMENT FOR 10 BUSINESS DAYS. So, using my balance figure examples above, if I pay the entire $1,800 balance by electronic transfer, my available credit will still be minus that $1,800 for the next 10 business days---despite the fact that CareCredit has acknowledged receipt of payment by actually posting the payment to my account. So if you are using CareCredit for ongoing medical care, this becomes a major problem: You think you are paying balances owed in a timely fashion so funds will be available for your followup visit to the doctor but---Surprise!--- you find that it just isn't the case, and you're left digging out your VISA card.
I always thought I was a fairly smart consumer: This experience definitely proved me wrong on that score! Bottom line--if something sounds too good to be true, it is. Walk away...very quickly. I've closed my account with CareCredit and hopefully, I'm the wiser for the experience.
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goduke on 06/08/2010:
We here a lot about these guys, and the bad definitely outweights the good by far (not sure we've heard any good). Hopefully you can get out from under them soon and bid them a fond (or not so fond) adieu.
Starlord on 06/09/2010:
We found that GE Money Bank is the power behind Care Credit, as well as WalMart card, and probably many others. I do have to say our WalMArt account is going very well, but we watch it intensely, having been through Care Credit's wringer. We obtained a signature loan from our credit union to pay off Care Credit, at an interest rate we could live with. Care Credit got it's final dig in by quting a pay-off to the manager of our CU branch, then after receiving the funds, charging us another amount, after it was all done, was $90 more than was previously quoted. Our veteranarian no longer wroks with Care Credit, and I understand many vets have dropped it.
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Credit card thieves
Posted by
EL PASO, TEXAS -- To whom it may concern:
The purpose of this letter is to file a formal complaint on CareCredit for "TERMINATING PROMOTIONAL INTEREST FREE OFFER" without proper notification. (violation of statue 226.7 of the CCPA)
I accepted this credit card only for dental services, with a 12 month term ending 3/11/2010. On the acceptance letter attached to the credit card I received by mail, there was no indication of a cut off time for payment due date. The minimum payment was from $20 to $30 dollars due on the 4th. I paid always around the 15th of the previous month, for the payment due the next month on the 4th and always paid $100 monthly.
In September 2009, I posted my payment on the 4th at 7pm. Not knowing that in the statement in very small letters on the left hand side under "account information" stated "payment due by 5pm", (this note has been moved now after the February/2010 credit amendment, to the right hand side IN BIG LETTERS under payment information). The following month when I see a late charge on the statement, I called and was informed of such clause. I sent a letter of complaint and received a month later a generic letter with a denial for my request to have the late fee reversed. No other notificaion of change in terms for my account. Then to my shocking surprise on the December 2009 statement, they added $209.35 finance charge. I called and was advised that because the issue with the September statement my promotional "no interest" offer was terminated. I asked why I was not properly informed of such change and they replied that a letter was sent in November. There was no such letter and this is another scam from this credit card company.
I requested to close my account immediately and I will pay off the remaining balance $439.99, that same day as long as the reversed that finance charge. The supervisor I spoke with Kyle stated he did not have the authority to reverse the charge, that I will have to send my request in writing. There was no other manager or director that could speak with me. I sent a letters that was answered again by a generic response. Stating they regret to inform me that the charges could not be reversed. Never received a courtesy phone call from a human, in order to discuss this matter.
A formal complaint was filed on the Consumer Protection website #25707151. I paid off the balance on 2/15/2010 before the end of the 12 month contract 3/11/2010. I will continue to fight this fraudulent charge on my account and will file a lawsuit on small claims court if necessary.
By the way, last week I did receive a phone call from somewhere in India, asking if I wanted to make a phone payment on the remianing balance. I told the representative to write down on his comment for the call, that I will be filing a legal action againts CareCredit and NO PAYMENT!!
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BEJ on 05/04/2010:
Did you read the terms of the promotional offer before accepting it. Everything is generally spelled out in the terms and conditions. You were late with the payment and they had every right to revoke the promotional offer. Re-read your terms and conditions--if they did not disclose that you could lose the promotional offer and be charged interest--you have something to go back to them with.
FlShopper on 05/04/2010:
I agree. Look at the terms you accepted. It more than likely states that they can increase your rate and add the accrued interest back in if you are late. And because it's (probably) in the terms, they don't have to advise you by letter, since you were advised of this possibility in the original agreement. Also, the fact that they did write that the payment was due by 5pm (albeit in very fine print) puts the onus on you to get the payment in before the deadline. I know it's frustrating, but it seems to me they're on pretty solid ground and you still owe them this money.
Be careful that this doesn't continue to snowball and negatively affect your credit score.
momsey on 05/04/2010:
Unless you've never had a credit card before, or done any kind of banking before, you should know that if your due date is the 4th, you have to pay by a reasonable close of business. 7 pm is after business hours.
I have a Best Buy credit card that I have bought a couple of things on with the promotional interest free period. I got to tell you, that's one of the first bills I pay each month. I'm not daring to take a chance to pay late and not only get a late fee but also be required to pay all of the deferred finance charges.
Granted, if you were late, they might have been nice and given you a free pass. But, you knew the terms of the card, and you violated the terms of the promotion. And banks and credit cards have no incentive to be nice these days. As far as I can tell, they had every right to do what they did.
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CareCredit Feedback
Posted by
I needed a bridge. It was going to cost $2,500. but I would only put half that on this card that I got from the dentist office. The office worker said "It's 18 months w/no interest." Wow, this is just what I would need. I had done that w/Home Depot w/a small hitch. I call those places to make sure what the rules are so there is no mistake about the terms. After Home Depot told me the terms, I made the payments and then paid off the remainder before the end of the time period. There was no problem w/Home Depots two credit cards that I had and once I paid them off, I cancelled them so I wouldn't be tempted to buy anymore stuff at the regular percentage rate.
So, I hoped that CareCredit would be the same. It was easy to get a credit line of $5,500. online. I assume that even someone who didn't have great credit would probably have gotten at least a small credit line.
I stay on top of these places and I hate credit cards in general, so I didn't think I'd have a problem. I was going to use my equity line of credit w/my bank at 3%. Why didn't I? Nope, I had to be stupid and get the CareCredit Credit Card.
There were problems. When I called the first time, I got an American w/a slight southern accent. She told me that I couldn't pay payments in advance because the company would think it is a principle only payment and then at the regular time, my payment would be due. Can I write "Payment, not principle only payment." on my check? Nope was the answer. Just don't make them too soon she said. Okay. But with further inquiry I also found out that I had a small window in which to get the payment there, and I had to allow them 10 days in which to make the payment, but it better not be late, during those ten days. So don't send the payment too early or too late. Send it just right.
Okay, I think I can do that. My husband needed an upper plate. So I put an additional $1,100. on the plan. Interest started showing up. Wait, I called to ask why I was being charged interest when it's supposed to be 18 months w/no interest. I get someone from some country who sounded suspiciously like India. The woman said in her broken English, the second loan was not on the special. I said I didn't see that on my statement, nor on line.
She get irritated and said "It is clearly marked on the statement and online. Is there anything else I can help you with." I said "Yes, learn better English." She said "Excuse me?" I said it again, and again "Excuse me?" I thought what part of Learn better English didn't she understand. She said "Have a good day and hung up." When I looked at my account the next day, an additional $90. showed up I guess because I made her mad, but she had made me mad my stating that it was clearly printed both in my statement and online that no other loan on the account will be under the 18 months, no interest. I took the rest of my balance minus the $90. and paid it off w/a letter that I didn't feel that just because I irritated that woman that I should have to pay the $90. so they took it off. However, I still had a balance of a little over five dollars. I paid that gladly to get them out of my hair.
Now my interest on $1,800 on my home equity loan is less than $4. per month. I should have done that in the first place. Now I've learned my lesson, but wait, there's more. I was talking to my nephew and told him about that experience and he told me he had a very, very similar experience w/the same exact company. And he did the exact same thing as I did. So just go to your bank, not CareCredit, Please.
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Predatory Lending
Posted by
I took out a loan for a medical procedure a year ago/. I feel *** for not researching this company more'. Basically I was told I had a zero interest loan for 12 months that ended September of 2011 (this month)|. I went to pay my account in full, and not only did they charge me a late fee saying I was late (I paid on the actual due date), they said the promotion ended a few weeks ago (end of August), and because I failed to pay it in full they tacked on 1500 dollars of back interest onto my account that I am now apparently responsible for! What happened to "zero interest, and then interest starts when the promotion date has ended ", and what happened to the promotion ending this month? I tried calling them and explaining my situation, and they were more than nasty to me,. I am now going to be looking for a class action lawsuit, and to hire an attorney for these greedy people!. Talk about Predatory Lending|. Oh and by the way, when I explained that the economy has hurt us in the past year (my husband was laid off last month), and how we couldn't afford to pay the back interest (not to mention the sky high interest that will be building on the back interest), the supervisor says"oh please Ma'am, the economy has been the same for 3 years",. How insensitive can someone be?!
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At Your Service on 09/18/2011:
You must have had paperwork to show the payoff date required for the loan. What did it state? The problem you're going to be dealing with is that anyone can claim, "I was told I didn't have to pay until xxx." That is why the financing paperwork is so important. With that said, any good attorney is going to typically charge a retainer for their services; most around $1500. And my bet is they would tell you the same thing.
GE Money US on 09/26/2011:
I'm sorry you're experiencing problems with your account. We'd like to help. Please email me at firstname.lastname@example.com with the following information:
- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
- Reference code DM 092611_3c
For your security, please do not include your account number in your email.
GE Capital
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Care Credit / G.E. is a big scam
Posted by
elliot who hates care credit
ORLANDO, FLORIDA -- Care Credit/ G. E. Financial.
They are complete crooks. Extremely deceiving. Judging from the cold tone of their customer service reps, I knew they get these calls all the time disputing their unethical and probably illegal way of doing business- which is why I just searched the internet, which just confirmed that.
I send payments well in advance, but they PROCESS my payments the day AFTER the due date, constantly, to charge MASSIVE penalties...
Their bills (for dental care done) are so very misleading- I thought I was paying as scheduled to avoid finance charges, long story short, I wanted to review my account - which I thought I was current on. I called and asked for them to go over my payment history and the customer service person tells me he can only look at my payment history for the last 90 days, anything before is "archived" and I have to write a whole letter by snail mail of course, and wait for a letter back.. He added that if I didn't pay the remaining 500 bucks they allege I owe by the next day ( when they ALLEGE ) it's due, I would be hit with more charges- 39 late fee plus finance charges as well- EVEN though I'm disputing it! He says the dispute doesn't start until they confirm that they receive and process my letter- what a joke.
I already paid them much more than I borrowed and I CAN NEVER GET A Straight answer from them, other than recommending I write letters..
Oh, and whenever you call, you'll hear a message something like "that due to high call volume it can take a long time to speak w/ a rep.." Gee, I wonder why they get so many calls...
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JR in Orlando on 09/03/2009:
Send a letter by certified mail, return receipt requested to them. Put your account number etc in the "re:" portion of the letter:
"Please send to me a copy of all the records pertaining to the above account, including but not limited to payment records, penalties imposed, interest incurred, and any summaries of this account. According to my records I have paid off this account, therefore I dispute any remaining charges, penalties, or interest payments on this account. Your records may be error and I would like to see what amount you say I owe, with substantial of said amount by documentation.
Thank you for your prompt attention to this matter. I expect a response within 10 days of the date of this letter. I hope that we can amicably resolve this matter without further action. Sincerely, xxx"
I would send a copy to the dentist who provided services to you saying you loved his services but that the credit company he referred you to did not treat you appropriately and has imposed unwarranted penalties and fees.(if that is true about the referral)
goduke on 09/03/2009:
Nice letter, JR! We need to archive that one for future posts.
Sparticus on 09/03/2009:
Yikes. I just signed up with Care Credit to help pay my Chiropractor bill (no interest for 18 months deal).
I've been wondering when I'm going to get my first "bill" from them, but yet to see anything. It had better not arrive the day before payment is due...
Now I'm worried.
Doctor Charlie on 09/03/2009:
I used it to pay for my Lasik. I did autopay.
Rayna on 01/07/2010:
I have to agree about CareCredit being a rip off. I have had my own issues with them. The "no interest for 18 months" will kill you since their finance charges run about 50% unless you can pay off your bill before the 18 months is over.
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To Care Credit Pets Are More Important Than The [Humans]
Posted by
CAPE CORAL, FLORIDA -- (LOL Care... Right) firstname.lastname@example.com
Hi, My name is Chuck. 33yrs Male, Florida. I have worked since Age 14. Recently I needed a Root Canal. Cost: $1900. In this economy I just do not have it. All in all I Need Braces...Badly & I've never had a cavity until I turned 30yrs old. Anyway, due to my financial status right now I could only afford to get the tooth pulled for $245. I am currently on Unemployment and my Fiance works 2 jobs to keep it all together for now.
With her 3 kids and our 1 yr old girl together we're just making it. At the end of 2008 she applied for CARE CREDIT for the kids and was turned down.
NOTE: She holds 2 JOBS & is a HOMEOWNER by Private Lender who doesn't report to
credit agencies.
I myself who has a better Credit Score than she does 662+.. 700+ at other credit reporting agencies, was turned down by Care Credit. Therefore resulting in an Extraction instead of a root canal saving my rear right Bicuspid.
What they don't know is....
My Fiance is a Veterinarian Tech who deals with applying with CARE CREDIT on a regular basis. She told me, recently a man came into the Vet's Office with his dog who needed a $300. job done. My fiance applied for CARE CREDIT for him there in the office and they gave him a $4000. Credit Limit. THE REASON WHY SHE APPLIED FOR CARE CREDIT: The man stated to her that "He had no money what so ever.".. "Because he just got out of PRISON serving a 5 YEAR TERM & he didn't have a job at all? I have credit. I pay my credit cards on time. I've NEVER been arrested for anything!! SO TELL ME... CARE CREDIT... HOW MUCH ARE YOU GETTING FROM THE GOVERNMENT FOR DELINQUENT ACCOUNTS.
FROM PEOPLE YOU KNOW WILL NEVER PAY 1 PAYMENT. I'm not one to point fingers but someone Needs to investigate CARE CREDIT's FRAUDULENT ACTS against the American Taxpayer. BERNIE MADOFF WITH MY TEETH.
This is one reason why America is in the hole we're in.. RIGHT NOW!
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Slimjim on 03/29/2009:
So Care Credit is a lender and you are complaining because you, who is unemployed, was turned down? The pet versus your teeth are not a relevant compare. It's simply your perceived ability to repay versus the owner of the dog. No offense, but I'm guessing he had a job.
Anonymous on 04/04/2009:
If you don't want to hear what people have to say then maybe you shouldn't post.
Slimjim on 04/05/2009:
chaora, meet nthebiz.
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Posted by
VIRGINIA -- I had Lasik surgery in October of 2006. I set up a financing plan through the doctors office with Care Credit (GE Money). The plan was set up for 48 months at 9.9% financing. In May of 2007 my husband had dental surgery in which I placed the balance of that surgery onto the Care Credit card. My husband's parent were going to pay the balance off immediately so I only set that plan up for 18 months, 0% interest. In June of 2007 they sent in a payment for the exact amount of the surgery. Well, in December of 2008 I received my Care Credit that had $1,067 of additional finance charges tacked on. Apparently when my in-laws sent in the payment for the dental surgery Care Credit applied that to my Lasik surgery which ended the 48 month financing plan and switched over to 18, 0%. Therefore, since I did not pay off the balance in 18 months the finance charges were accessed. I have been on the phone with Care Credit many times and they have refused to work with me. I have offered to pay the balance in full before the finance charges were accessed. They refused. If I had known they could allocate the payments wherever they please I would not have used the card to begin with for my husbands dental plan.
I don't think that it is fair that I should have to pay over $1,000 worth of charges. Any advice would be helpful.
Thank you.
***UPDATE*** I received a response from Care Credit/GE via the OTS (fair crediting organization) that they were refunding all of the finance charges that I had to pay ($1,067.67) because they should have never changed my finance plan to begin with because the medical facility never contacted them in writing to do so. The OTS contacted Care Credit/GE Money and I promptly received an appropriate response. Never give up when credit card companies are trying to hassle you.
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tnchuck100 on 01/07/2009:
Unfortunately it is probably in your customer agreement that all monies are applied to the lowest interest balances first. Most revolving credit works that way. That will change next year but that is not going to do you any good now. Legally, they have pretty much got you.
cpocius on 01/29/2009:
I know that legally they have me but that doesn't make what they are doing fair. I have contacted the Attorney General and they have responded and forwarded my information to the OTS. I am awaiting a response. Credit card companies should not be allowed to do this to people without properly notifying them. I am still fighting this because it is not right. I was just fortunate enough to be able to pay the balance off, many others would not have been. Care Credit/GE Money will have to answer for their wrongs.
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Those honored on Veterans Day have each played a part in protecting America's freedom. Whether they fought in the Vietnam War, one of the World Wars, or are still fighting today, their role was no less significant. And in Utica, our Cara Thomas tells us that veterans and their families went to all six monuments in the city to honor all the men and women who served.
UTICA, N.Y. -- Recognizing heroes from the Revolutionary and Civil wars to the battles our country continues to fight. The men and women who fought for our country each have a story this Veterans Day.
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Teammates such as Mark Smith, Cody Sprunger, and Joel Hawbaker have been pacing Liechty on a daily basis this week in order to encourage his running in preparation for Saturday's event.
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Good's Glass Service has been providing professional insulated glass repair, auto glass & windshield repair, screen repair, mirror sales and Simonton replacement windows for over... Read More
Artisan Custom Doorworks (610) 913-6090
National manufacturer of Carriage House Garage Doors in wood, vinyl and composite materials. Ship nationally and work with professional door dealers direct. Read More
goliath919 (717) 228-3300 ext. 811
Millwork Specialist for Lowes Inc 8yrs Read More
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July 18, 2011 · 0 comments
Taking a break...
Silence is requested!
Heading for Library Towers?
Good Day at Blackrock
All of early 20th century transport is here…
High Street Fashion
A Funeral Procession...
J.J. Clarke?
Albert Memorial in Belfast at 14:25 - Now you see the horse-drawn trams!
Albert Memorial in Belfast at 14:25 - Now you don't see the horse-drawn trams!
Next stop, America!
The Bridge, Athlone
The Kennels at Rockingham Estate
Wait Here for Early Pit!
White Horses / Capaill Bhána
The Mall in Tralee
Fusiliers' Arch
Robert French
Tramless Patrick Street in Cork
Made it, Ma! Top of the world!