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Snap-On Credit Irate representatives harassment and overcharging Unknown Nationwide
Approximately a year ago I had purchased a Masters series snap on toolbox for just under 8000. The box is valued at $12,000 I have been paying off the balance for over a year now since that I had refinanced Once to clear the truck account as a means of having one payment rather than two. Since leaving the automotive field I have unfortunately fallen behind due to a layoff however I had been in contact with both the credit company and the truck since leaving the automotive field I have unfortunately fallen behind due to a layoff however I had been in contact with both the credit company and the tool truck. Everything started when I received a call from snap on credit about my account being on p everything started when I received a call from snap on credit about my account being passed due on payments which I was aware of and had spoken with them previously about and inform them that I had just gotten laid off at my job despite every attempt to reason with the company stating that I was doing everything I possibly could to find income to start paying back what I owed they constantly harassed me and called me every single day for at least two weeks. I had informed them yet again that I would call them when I had something to pay I took down all the necessary information I continue my job search. I then had decided to list the box on craigslist for just a few dollars more than I owed on the box. Again like clockwork that next-day I received yet another phone call I had inform them that I might need to give the box back if I could not find a way to pay for it or if I did not go back into the automotive field. I said that unless I can find some money for sell it for what I owed to pay off the box I might have to return it . The representative then stated to me that it was "unlawful" to sell a box that I was financing. Not for nothing but as a veteran of the military a United States citizen and a consumer I have every right to do as I please with my property. That is like saying if I financed a car for $10,000 and I owed 4000 and sold it title and all for4500 and paid the balance it's wrong. That makes absolutely no sense whatsoever because if I'm selling my property for the amount of money I owe the company for the item despite the fact that I'm selling it because I no longer need it the company will still be getting their money therefore makes no sense for them to tell me it's unlawful or wrong to do something I have every right to do . On another note it was not until I threatened the company with bankruptcy that the phone calls had to stop for approximately two weeks until they started back up again. And not for nothing but I will be honest here for a second and say that the bankruptcy threat wasn't nearly a threat It's actually the truth I am truly on the borderline of bankruptcy however I personally do not wish to file for bankruptcy I would much rather not ruin my credit that way I would rather recuperate by paying the debts rather than liquidating them because not every company I owe money is being as irate for a new route as the snap on credit company . I have spoken with many accountants and financial advisors over the past three months for this reason and none suggest bankruptcy in fact they all are against it because it is unnecessary for me to do so. Despite the fact that the gentleman who initially sold me the jewelbo despite the fact that the gentleman who initially sold me the toolbox is a good man I do not agree that I should have to own money on a toolbox that is worth more than I owe if I return it. The box still values at close to 8000 and I barely owe 6000. Please get back to me at your earliest convenience and let me know if there is anything else I must do. Thanks.
3 Updates & Rebuttals
Tyg
Pahrump,Nevada,
USA
WRONG!!!
#4General Comment
Sat, August 29, 2015
YOU can be as nasty as this website and the web allow, STILL wont change REALITY!!! Firstly, when YOU finance ANYTHING you are financing TO PURCHASE. Meaning that until YOU have paid off the financing the object financed is STILL the property of the group you are financing the item from. So YOU are incorrect that YOU get to sell it. Its STILL their property!!!Any person purchasing it WOULD be purchasing STOLEN PROPERTY as the owners of said property DID NOT say YOU could sell it. We have ALL been laid off. We ALL have had to play the juggling game with our finances. The difference is that YOU seem to think that YOU get to do whatever YOU wish. Yes its uncomfortable. Yes its a pain un the rump. BUT ITS LIFE!!!!!Loosing your job is STILL lack of payment. Lack of payment for whatever reason is STILL LACK OF PAYMENT!!!! THEY have every right to call!! YOU HAVE THEIR PROPERTY!!!!YOU have NOT paid on it. Due to the FACT that YOU dont have a job. We get that. There is always unemployment and cutting your vices. Both of which would free up some money. There were many times after I was laid off that I didnt EAT!!! I had to make the choice of eating or keeping the electricity on. Sure eating is NEEDED!! But so is electricity!! I had to give up EVERY vice I had. No sodas. No cigs. Walking instead of wasting gas. I did these things and was able to find another job AND pay my bills. It REALLY sounds like YOU dont want to have to give up YOUR THINGS and YOUR VICES. Give them back the tool chest and get them out of your situation!!! Its just that easy!!!Find MORE ways to cut your costs so YOU can pay OTHER bills. YOU are holding on to something that is only going to end up costing you more. If YOU havent gotten a job by this point then trying to hang onto those old items is just going to drag you down. Yes it means a hit on your credit, but better a small hit now then a monster hit later when it all s****.>
Attention idiots and smartasses
#4Author of original report
Sat, August 29, 2015
First off mr disrespectful piece of s*** im not wining and if your blind a** could read right you would see thet all bills were on time until I got laid off you f******(((redacted))) so get your s*** straight before you think you know something you don't know s*** about it was harassment and overcharging from day one even when I paid extra the company has gone to s*** and charges up the a*** for something worth less than half of what they sell it for. Lastly all my bills are always on time but for the (((redacted))) that don't understand how s*** works when you get laid off at a job due to lack of available work they don't pay you anymore. Also when you have to search for a job again after a long period of time it's not exactly easy.
Jim
Florida,USA
Poor Baby!
#4Consumer Comment
Sat, August 29, 2015
So you come here to cry and whine because their bill collectors are calling you. Oh, so sad. Why would the big, bad bill collector call you? Guess what would happen if you paid your bills on time?