- Report: #432949
Complaint Review: MEPCO AUTO WARRANTY - Carchex PremierXTend - Hunt Valley Maryland
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MEPCO AUTO WARRANTY - Carchex PremierXTend
10950 Gilroy Road, Suite D Hunt Valley, 21031 Maryland, U.S.A.
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MEPCO AUTO WARRANTY Carchex PremierXTend MEPCO CARCHEX SCAM Hunt Valley Maryland
I signed up for the carchex 5 year / 100,000 mile extended warranty for $1,400.00. They explained everything it covered including the transmission,,,,but I'll get back to that part. I wanted to do online payments so they explained that I could set this up monthly for like $74.00 per month and $91.00 down up front, it took 18 months to pay off, no big deal. I asked them if I needed to do anything else and they said NO. When I got passed to a second person on the phone to take more information I again asked if I needed to do anything else to activate and keep the warranty current besides my automatic payment each month,,,this person said just make sure you keep up your regular mainanence,,, which I always do,, no problem. It was at this time I was feeling nervous because you know wha they say about things that are too good to be true,, ,,, so I emailed my personal representative with CARCHEX and asked them if I was ok and had an active warranty,,,this is the email I got back from them:
Lee,
You do not have to do anything else to start the warranty. If the product is in the vehicle, then we are good to go. Yes I would maintain the log and hold on to any receipts associated with the maintenance.
Best Regards,
Tommy
From: Lee
Sent: Friday, June 29, 2007 12:24 PM
To: Tom Stratchko
Subject: Warranty
Which led me to ask the question,,,,what product in the vehicle and what about keeping the reciepts and log of mainanence? Tommy explained that I needed to put PremierXTend (chemical owned by the company) into the car and that would satisfy the warranty and that since I was not informed of this earlier, if I would just keep a log of maintanence I would be fine. I explained that I always keep a log but that I may not have every reciept,,, because I didnt know I needed them. Turns out I had all but two oil changes from the last few years in the glove box, so I felt re assured I was in good standing and Tommy told me I was fine.
Right on time as the last payment is being made 18 months later, my transmission starts to slip a little. I call them up they said I should take it to my mechaninic and have them do an inspection to see what repars are needed, I did this and they said it needed to be replaced $2,100.00. THey asked that the mechaninc fax them a statement explaining damages, repairs, and the log and reciepts for the car. I gave this to the mechaninc and they sent it to them.
The next day I call the mechaninc,,(long time friend) and he says that they have declined to pay for the services because I was missing some reciepts (prior to my even having the warranty). I called and got the run around from Carchex and Mepco for a month and a half while my vehicle set at the shop.
I sent them their own emails from when I signed up that stated I was ok and the warranty was in effect, eventually they quit taking my calls and stopped returning the many voice mails I left them.
I in the end paid for my own repairs $2,100.00 and the warranty $1,400.00 and eventually gave up calling them.
If you see advertisements for these companies,,, just keep walking, in fact most warranties in general are the same, I had similar trouble with GM, on a new truck. Good luck.
Lee
newalla, Oklahoma
U.S.A.
Lee,
You do not have to do anything else to start the warranty. If the product is in the vehicle, then we are good to go. Yes I would maintain the log and hold on to any receipts associated with the maintenance.
Best Regards,
Tommy
From: Lee
Sent: Friday, June 29, 2007 12:24 PM
To: Tom Stratchko
Subject: Warranty
Which led me to ask the question,,,,what product in the vehicle and what about keeping the reciepts and log of mainanence? Tommy explained that I needed to put PremierXTend (chemical owned by the company) into the car and that would satisfy the warranty and that since I was not informed of this earlier, if I would just keep a log of maintanence I would be fine. I explained that I always keep a log but that I may not have every reciept,,, because I didnt know I needed them. Turns out I had all but two oil changes from the last few years in the glove box, so I felt re assured I was in good standing and Tommy told me I was fine.
Right on time as the last payment is being made 18 months later, my transmission starts to slip a little. I call them up they said I should take it to my mechaninic and have them do an inspection to see what repars are needed, I did this and they said it needed to be replaced $2,100.00. THey asked that the mechaninc fax them a statement explaining damages, repairs, and the log and reciepts for the car. I gave this to the mechaninc and they sent it to them.
The next day I call the mechaninc,,(long time friend) and he says that they have declined to pay for the services because I was missing some reciepts (prior to my even having the warranty). I called and got the run around from Carchex and Mepco for a month and a half while my vehicle set at the shop.
I sent them their own emails from when I signed up that stated I was ok and the warranty was in effect, eventually they quit taking my calls and stopped returning the many voice mails I left them.
I in the end paid for my own repairs $2,100.00 and the warranty $1,400.00 and eventually gave up calling them.
If you see advertisements for these companies,,, just keep walking, in fact most warranties in general are the same, I had similar trouble with GM, on a new truck. Good luck.
Lee
newalla, Oklahoma
U.S.A.
3 Updates & Rebuttals
Ben
Hunt Valley,Maryland,
U.S.A.
Response to Lee's Post with Important Details
#2UPDATE Employee
Wed, June 17, 2009
Thank you for the opportunity to respond to this customer's posting. In this transaction, CARCHEX served as the broker in that it helped the consumer to purchase a 5-year Premier Xtend warranty from the Premier Dealer Services (PDS). PDS, a subsidiary of A-rated Great American Insurance, offers aftermarket insurance products, including vehicle service contracts and warranties. The warranty itself is an agreement between the Administrator (or Obligor) of the program and the consumer. It is important to understand that sales organizations maintain no authority or discretion in the adjudication of claims. That responsibility rests with the Administrator of the contract, in this case PDS. Each Administrator's contract contains specific Terms and Conditions which outline exactly what is covered by the contract as well as other important items such as claim procedures. We strongly recommend to all consumers to request and review the service contract information thoroughly prior to and after purchase so that they may get a clear understanding of the covered components associated with their purchase as well as familiarize themselves with the company backing the contract. At CARCHEX all contracts in their entirety are available for consumers to review prior to purchase and we proudly offer a 100% 30-day Money Back Guarantee and the highest quality products backed by top tier administrators and insurance carriers. In this case, the customer's contract contained the following specific terms: In order to qualify for coverage under this Limited Warranty, you must meet the following requirements: 1. You must install the PremierXTend Plus product in the radiator overflow within thirty (30) days of receipt of the product. 2. You must have the engine oil and oil filter in the engine replaced by a commercial service facility within sixty days (60) of the Effective Date of this 3. After the initial engine oil and oil filter replacement referenced in (2) above, you must have the engine oil and oil filter changed by a commercial service facility every four (4) months or four thousand (4,000) miles, whichever occurs first, for the term of this Limited Warranty. In the event of a claim, you will be required to provide us with proper documentation (including verifiable receipts) evidencing that all required engine oil and oil filter changes were performed within one thousand five hundred (1,500) miles or two (2) months of the required intervals. 4. In addition to the maintenance requirements outlined in (3) above, you must perform any other maintenance services recommended by the vehicle manufacturer for the Covered Parts as outlined in the vehicle owners manual. Upon being contacted by this customer, CARCHEX attempted to help resolve the claim but were told by the Administrator that the customer was submitting hand-written receipts vs. those from a commercial service facility, as required by the contract. Thus PDS chose to deny the claim. The customer simply had to maintain receipts from oil changes from a repair facility, as most consumers do. While we attempt to make every customer happy with their purchase, inevitably there are some instances in which a customer may be dissatisfied with the result of a claim being denied. In all cases, we are available to work on behalf of consumers to help determine validity of any denial. For additional information you may visit www.CARCHEX.com. We look forward to the opportunity to serve future consumers thru our consultative sales process.
Ben
Hunt Valley,Maryland,
U.S.A.
Response to Lee's Post with Important Details
#3UPDATE Employee
Wed, June 17, 2009
Thank you for the opportunity to respond to this customer's posting. In this transaction, CARCHEX served as the broker in that it helped the consumer to purchase a 5-year Premier Xtend warranty from the Premier Dealer Services (PDS). PDS, a subsidiary of A-rated Great American Insurance, offers aftermarket insurance products, including vehicle service contracts and warranties. The warranty itself is an agreement between the Administrator (or Obligor) of the program and the consumer. It is important to understand that sales organizations maintain no authority or discretion in the adjudication of claims. That responsibility rests with the Administrator of the contract, in this case PDS. Each Administrator's contract contains specific Terms and Conditions which outline exactly what is covered by the contract as well as other important items such as claim procedures. We strongly recommend to all consumers to request and review the service contract information thoroughly prior to and after purchase so that they may get a clear understanding of the covered components associated with their purchase as well as familiarize themselves with the company backing the contract. At CARCHEX all contracts in their entirety are available for consumers to review prior to purchase and we proudly offer a 100% 30-day Money Back Guarantee and the highest quality products backed by top tier administrators and insurance carriers. In this case, the customer's contract contained the following specific terms: In order to qualify for coverage under this Limited Warranty, you must meet the following requirements: 1. You must install the PremierXTend Plus product in the radiator overflow within thirty (30) days of receipt of the product. 2. You must have the engine oil and oil filter in the engine replaced by a commercial service facility within sixty days (60) of the Effective Date of this 3. After the initial engine oil and oil filter replacement referenced in (2) above, you must have the engine oil and oil filter changed by a commercial service facility every four (4) months or four thousand (4,000) miles, whichever occurs first, for the term of this Limited Warranty. In the event of a claim, you will be required to provide us with proper documentation (including verifiable receipts) evidencing that all required engine oil and oil filter changes were performed within one thousand five hundred (1,500) miles or two (2) months of the required intervals. 4. In addition to the maintenance requirements outlined in (3) above, you must perform any other maintenance services recommended by the vehicle manufacturer for the Covered Parts as outlined in the vehicle owners manual. Upon being contacted by this customer, CARCHEX attempted to help resolve the claim but were told by the Administrator that the customer was submitting hand-written receipts vs. those from a commercial service facility, as required by the contract. Thus PDS chose to deny the claim. The customer simply had to maintain receipts from oil changes from a repair facility, as most consumers do. While we attempt to make every customer happy with their purchase, inevitably there are some instances in which a customer may be dissatisfied with the result of a claim being denied. In all cases, we are available to work on behalf of consumers to help determine validity of any denial. For additional information you may visit www.CARCHEX.com. We look forward to the opportunity to serve future consumers thru our consultative sales process.
Ben
Hunt Valley,Maryland,
U.S.A.
Response to Lee's Post with Important Details
#4UPDATE Employee
Wed, June 17, 2009
Thank you for the opportunity to respond to this customer's posting. In this transaction, CARCHEX served as the broker in that it helped the consumer to purchase a 5-year Premier Xtend warranty from the Premier Dealer Services (PDS). PDS, a subsidiary of A-rated Great American Insurance, offers aftermarket insurance products, including vehicle service contracts and warranties. The warranty itself is an agreement between the Administrator (or Obligor) of the program and the consumer. It is important to understand that sales organizations maintain no authority or discretion in the adjudication of claims. That responsibility rests with the Administrator of the contract, in this case PDS. Each Administrator's contract contains specific Terms and Conditions which outline exactly what is covered by the contract as well as other important items such as claim procedures. We strongly recommend to all consumers to request and review the service contract information thoroughly prior to and after purchase so that they may get a clear understanding of the covered components associated with their purchase as well as familiarize themselves with the company backing the contract. At CARCHEX all contracts in their entirety are available for consumers to review prior to purchase and we proudly offer a 100% 30-day Money Back Guarantee and the highest quality products backed by top tier administrators and insurance carriers. In this case, the customer's contract contained the following specific terms: In order to qualify for coverage under this Limited Warranty, you must meet the following requirements: 1. You must install the PremierXTend Plus product in the radiator overflow within thirty (30) days of receipt of the product. 2. You must have the engine oil and oil filter in the engine replaced by a commercial service facility within sixty days (60) of the Effective Date of this 3. After the initial engine oil and oil filter replacement referenced in (2) above, you must have the engine oil and oil filter changed by a commercial service facility every four (4) months or four thousand (4,000) miles, whichever occurs first, for the term of this Limited Warranty. In the event of a claim, you will be required to provide us with proper documentation (including verifiable receipts) evidencing that all required engine oil and oil filter changes were performed within one thousand five hundred (1,500) miles or two (2) months of the required intervals. 4. In addition to the maintenance requirements outlined in (3) above, you must perform any other maintenance services recommended by the vehicle manufacturer for the Covered Parts as outlined in the vehicle owners manual. Upon being contacted by this customer, CARCHEX attempted to help resolve the claim but were told by the Administrator that the customer was submitting hand-written receipts vs. those from a commercial service facility, as required by the contract. Thus PDS chose to deny the claim. The customer simply had to maintain receipts from oil changes from a repair facility, as most consumers do. While we attempt to make every customer happy with their purchase, inevitably there are some instances in which a customer may be dissatisfied with the result of a claim being denied. In all cases, we are available to work on behalf of consumers to help determine validity of any denial. For additional information you may visit www.CARCHEX.com. We look forward to the opportunity to serve future consumers thru our consultative sales process.
