Problems with Dell Financial service

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Country: United States of America
State: All States/Provinces

I purchased a dell computer online and used dell's financial service in purchasing the laptop. There are two issues: 1) the computer has had Physical (mechanical and software) issues from the beginning (one of which is that only one shift key works with a limited set of key strokes); and 2) dell financial service representatives misrepresented what they were able to do with my account and how the account actually works. As of this month, I stopped payments. This past month I filed a complaint with the better business bureau (BBB).
1) I attempted to resolve the issues within the first 30 days of purchase. They requested forms and routed me to different tech-support departments and even requested that I dismantle the computer to check the cd drive myself. Exasperated with the lack of help, I asked about a return policy and they informed me it was too late. It was not too late - over 21 days - when I began to ask for assistance.
2) When signing up with dell financial services (DFS), I asked to set it up so that I may pay anytime within the month because I travel and do not receive statements nor can I rely on internet access. I have not missed a payment and yet the bills show that I owe nearly $300 over the original cost. on three separate occasions I was assured by the representative that the account had been cleared up. Their misrepresenting the situation has placed me in a very difficult situation. Because dell has not agreed to fairly solve the financial discrepancy, I am prepared to send the computer back. However, I feel that I should have some legal claim prepared for their recourse. I have a years worth of emails and payment spreadsheets showing that I have not missed a monthly payment.


Based on what you say here, you could probably file suit against them (or at least threaten to do so) in small claims court or in regular court; filing in small claims court is easier and requires no could try to collect all of the costs and damages that you suffered due to their behavior.
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