Joseph
New Orleans,#2UPDATE Employee
Sat, February 10, 2007
I'm sorry you and problems with the RAL, but I don't believe you completely understnad the Peace of Mind. Block does not guarantee the RAL. The decision on whether is solely the responsibility of HSBC (Houselhold Bank). The Block preparer has no knowledge of your credit worthiness, nor do they have access to those records. If there is a debt owed to the state or other government entity, there is no way the preparer can know. For example, if you owed state tax, and never paid it, then only you and the state would know. Being turned down for the RAL is not a function of the POM, which only covers errors by Block discovered by the IRS. It does not cover RAL decisions, and in fact, only becomes effective after the end of the tax filing deadline (April 17, this year). If you discovered a mistake and reported it to Block in March (for example), then there is time for a correction to be made before the deadline, and the POM would not apply. Report the same error on April 18, and the guarnatee applies. Its all a matter of timing.