buying a dell on dfs,,,might think twice

i use to be a big dell follower, but no more...dell is not the friendly, comsumer friendly company one might think,,espically if you use dfs, and then run into money problems.

i bought some dell items. and then over-extended myself,, they were charging me 29% interest, i called them and asked if they could reduce that because of my financial problems, no way. so here i am ,,paying big time to dell.. hp will help folks on this matter , not dell.....hp allowed me to pay my bills with a reduced interest, and that has swung me over to hp side...and they make great notebooks too... dell has seemed to lost site on who made them what they are- the consumer..and maybe that is why hp is increasing their lead over dell

i thought i would pass this on, and save possibly some folks here grief if they get like me..

 

not wanting to preach here, but what did you expect?

 

Anyone offering credit is going to pull that stunt if you over extend yourself.

Credit Card Companies, Dell Financial.

 

That's one of the things with Dell DPA..you have to be sure if you cannot pay it off in full each month..that you are paying at least 2x the minimum amount due because of the high interest rate.

And, if you are signed up for any *interest free promotional period* offers, be sure to get your purchase paid off before the period is up..otherwise you are smacked with all the accrued interest charges, retro back to date of purchase!

Cin

 

Dont buy stuff if you don't have the money....even when you think you will probably have the money by then, wait till it's in your account/hand...then order. Simple rule that always works and keeps you out of trouble. Buying on credit and then complaining that the credit company actually keeps you to the contract you agreed to is silly really

 

I've used Dell Financial Services in the past to purchase a desktop PC and 2 laptops. I paid all 3 items off before the interest free period expired. I always found them to be good to their word, i.e. I paid them off and that was it.

The customer service wasn't always the best, I found them rude on the phone on a couple of occasions (appeared to be an Irish call centre), but on the whole I didn't have any major issues.

I've just bought another laptop through Dell on another of their 12 month interest free offers and it went through very smoothly. Obviously because I've been a customer of theirs a few times now my application passed instantly and I was approved for credit. I had a slight issue when my printer broke down and I needed to call them to inform them my papers would be a day or two late, but that was due to them not listing a phone number and the Dell UK Indian call centre is a hidious experience (again I found them to be rude on one occasion and on nearly all they didn't understand what I was saying due to me not carrying out a standard call). On my 3rd attempt with Dell's Indian call centre I got a message through to Dell Financial Services. Other than that, this transaction has been smooth and I'm still happy.

I would say their only faults are slightly sloppy phone service and an occasionaly lack of manners, other than that no major issues. It's a business at the end of the day. If everyone who took out computer equipment on finance, only to realise they've got financial issues, then got their interest rates reduced then there'd be an impact on business for Dell and Dell Financial Services.

Part of the problem in the UK and the rest of the world ( think recession, loss of mass jobs, banks failing, value of the £ dropping etc. ) is down to people taking out credit and defaulting on it. People really need to see the bigger picture and be responsible!

Having said all that, I really do have sympathy for you. I appreciate that it's not nice being in financial hardship and I was once there, many many years back. I will say that I hope you get things sorted and there's always light at the end of the tunnel. It may get tricky, but you will get out of debt and I wish you good luck with that.

Remember, it's not Dell's duty to look after you when you're in debt. However if you are in England or Wales you can seek an IVA or similar arrangements if you really feel that there's no other way out. Visit the CAB and see what they can do for you or look out Debtline or similar services in your area.

Good luck

 

i quess what irks me with dell, is there non-willingness to help someone that had over-extended their credit, and help by reducing the interest....hp helped, but not dell.... call the comumer debt programs , and ask them about dell....they all will tell you delll,s unwillings to help people in trouble....

 

While I have every sympathy for you, you have to realise that credit is not a right and that people should act responsibly when taking out loans and other financial agreements. As I said before, part of the problems we're in as a country now is because of people doing the very same.

I appreciate that at times people loose their jobs, become ill and whatever else, but to simply get giddy and take on credit for new items that you simply can't afford is irresponsible and not really something a business should worry about. They are a business, not a charity.

Look at this the other way, YOU have agreed to pay THEM and now YOU want to go back on your agreement. Would you be willing to pay an increase in interest if the company went in to financial hardship and you were making your monthly payments as normal? I doubt many would!

You are able to seek help from organisations in cases like this, it's not Dell's responsibility to sort you out if you've over budgeted.

I think you are being unreasonable. They are called Dell, not Oxfam or World Aid. If you want charity try CAB or similar, but accept that Dell is a company and that YOU are the one trying to back out of an agreement that you've made with THEM, despite them holding up their side of the deal.

I am sorry you are in trouble, but I don't think it's Dell's fault. You took the credit on, you were happy to get your new kit and you've over stretched yourself. Your comments also suggest you may have HP kit too. This all sounds, although I could be wrong and am just going on what you've typed here, that you've got a little greedy and got too many new toys on credit from too many places and now you want to start backing out on your agreements. Sadly it doesn't work like that, you must keep your side of the deal as Dell are doing.

Seek help from one of the many Debt charities or organisations if you need it, but don't go labeling Dell unfairly for simply offering a service that you took advantage of despite not being able to afford it.
(And also think about the future of the country, if people keep doing thins like this we'll only get worse and worse, more unemployment, less value in the £ and many other problems).