The Brick and HSBC will try and screw you out of your money.

The Brick, I wonder if their store's windows are brickproof... oh the poetic justice...

Almost three years ago, my wife purchased a washer/dryer/freezer combo from The Brick (Kirkland) with an interest free promotion of 36 equal interest free payments.

The payments were supposed to be 46$/month X 36 months for a total of 1656$ and change.

Initially the payments were made, 46$/month, we never missed a payment.

At a certain point the payments went up to 60$/month as they added a 14$ monthly "Variable Credit" adjustment, my wife didn't notice and continued paying 46$/month as prescribed by the initial contract.

After a year or so, the payments went up to 74$/month, and eventually to 120$/month, which attracted her attention, lookie here lads and lasses, this might save you lots of money...

What they did is that HSBC (the credit company) that finances The Brick, added a "purchase" of something called "Privacy Protection Plan" to the contract, a "purchase" no one signed for nor wanted, the cost? 14$/month but that's not all.

The interest free promotion DOES NOT apply to the "Privacy Protection Plan" so they were charging 29.90% interest on 14$/month, and since we never paid a penny on that, the interest has been racking up for almost three years :yikes: BUT MY WIFE NOTICED SOMETHING WAS WRONG AND CALLED THEM.

Initially they claimed they had a contract stipulating she had signed for PPP, but when she asked to see it, of course, they couldn't find it.

So they had to reimburse the PPP.

BUT...

They didn't reimburse THE CREDIT on it (a whopping 234$!!!).

Of course we would only pay the 46$ monthly payments as stated in the initial 36 month interest free contract, but they wanted more so they started calling us.

8AM Saturday.
6:30PM Sunday.
a few other times when we weren't home, we noticed this weird 1-877 number on our caller ID...

Eventually I got a hold of the phone and since I sound like a girl on the phone (singing glam rock for 15 years will do that...) they thought I was my wife and I let them.

I argued with the phone operator for a little over half an hour.

He threatened to TAKE AWAY PART OF MY PAYCHECK, seize MY HOUSE, MY CAR, (oh noes) and ruin my credit (REALLY? OVER 200$? Are they THAT Desperate for credit money?) until eventually after a half hour he realized that HEY, something's wrong here.

He initially admitted that they wrongfully billed her the PPP that she didn't sign up for but he didn't see anything wrong with billing her interest on that.

Until he realized that it was, and apologized.

He gave me a phone number to call tomorrow, I will speak to a supervisor and explain to them that we will not do business with The Brick, nor HSBC, ever again.

Also that we will not pay for interest on something WE DID NOT PURCHASE.

So beware boys and girls, The Brick and HSBC are out to fuck you up the ass with no lube.

Are you gonna bend over and take it?

I didn't think so...