Complaint Review: Simple Credit Plus

On the same day that I was contacted by phone, offering me a merchandise credit facility with a credit card, I decided that the terms of the card had not been fully explained to me and I wanted to cancel. Contact numbers & e-mail address WERE given to me at the time of the phone call. This is what I did (tried to do!):

(1) Phone the Customer Service phone number. Got a recorded message stating that the office would be closed and would re-open on Jan 20th after the MLK holiday. PLEASE NOTE THAT I PHONED THIS NUMBER AGAIN TODAY (Jan. 26th) AND GOT THE SAME MESSAGE!

By the way, the Simple Credit Plus number quoted previously in your web site has been 'Discontinued' - I tried that as well!!

(2) FAX them: copy of this FAX:

"January 17th 2004

Dear Sirs,

I have just been offered an account with you. The details are:

(Here I quoted my various different membership numbers which had been issued to me at the time of their first and only phone call to me; I don't want to reveal them here for obvious reasons - see below!)

This FAX is to notify you that I wish to cancel the arrangement with immediate effect.

Please note that this cancellation is being effected on Day 1 of the 10 day cancellation period so that I am well within that period.

Please also note that I have tried to e-mail yourselves using the address given to me on the telephone: customerservice@simplecreditplus.com but this address apparently does not exist.

I have also tried to telephone the customer service number I was given over the phone, but this is also, apparently, non-existent.

Please ensure that I receive an acknowledgement of this FAX and the cancellation I have effected within 2 days or I will notify the appropriate Federal authority.

********** (my name)"

To this date I've had no response.

(3) e-mail them: on Jan. 17th and NUMEROUS times on January 26th, assuring them I won't hesitate to sue if they don't respond and acknowledge my various e-mails and my FAX.

(For good measure I'm going to FAX them again tonight!)

Result: absolutely NO response as of 7.30pm PST Jan 26th.

They're due to take $249.00 from my bank account on Wed. 28th Jan. This is some kind of 'signing on' fee. I am ensuring that there won't be any funds in the account - now or later - until I'm sure they're not going to take it!!

Scary huh?

Phil
Folsom, California
U.S.A.