I purchased a complete set of kitchen appliances on a 90-day deferred payment plan. This purchase was made on my SEARS CARD as a component of the sales promotion. It was stressed at purchase that no monies would be owing until the 90-day due date. It is still 3 weeks from this due date. I received a call from a very aggressive rep advising me that i am in over 30-day arrears of two minimum monthly payments. In discussion, the rep advised that SEARS had "recently changed their policy" and that the contract made at purchase was no longer valid and that a minimum monthly payment on deferred payment purchases is now required. I have double-checked the purchase contract and it clearly states that no monies are due until the 90-day due date. I received no notices in the mail regarding the change in policy.
When I pointed this out, the rep back-tracked and stated that there is no interest being charged on these "minimum payments" and they can be deferred to the lump sum payment we are intending to make prior to the due date. However, she then proceeded to push for an exact date of payment, details on how the payment would be made, etc. When I expressed my concern with the whole interaction, I was told this was a. " courtesy call as sometimes people forget that they have made these types of purchases"...so a "friendly reminder so to speak.". THIS ON MONIES NOT YET OWING.
When I asked if I was receiving a call because there was a concern that I would not pay I was assured that I have an "excellent credit rating and history with SEARS CANADA"... as well I should having been a 25 year customer with no past credit concerns. Unacceptable!!!