Dell Financial Services

have purchased many products through dell and have been a customer for years. I have paid my bills and satisfied several installment loans on computers.

However, this last one happens to be a nightmare. I lost all source of income and new I was going to be behind on my next payment, so I called and informed them of my hardship and asked if they had some sort of hardship plan. The answer was no. I receive a call from DFS from one of the "smith's", which seems to be the name they always use, stating I was passed due. I informed them that I knew and explained the situation. They said they had a hardship program and got me on the phone with a supervisor, his name was "Robert Smith". He advised that they do not have a plan and stated that if I refused to work with them, then they would send it too collections. I advise that I am not trying to avoid payment, I simply cannot make one at this time. He said well, if you want to stay in default that is your choice. I asked to speak to his supervisor and he said no. I then asked his supervisors name, he said call back and find out yourself. A month has gone by and I am now two months in arears. I did however get a job, with the military, and would be able to make a payment the first part of next month--so I called to give them a new address and a promise to pay. The guy, "John Smith" said well, your promise to pay is not a promise to us. We only accept real payments and we need your bank account number, etc. I said, I would but I don't have any money now but will pay early next month. He advised me that this is not a promise and we will continue to get phone calls every day.

Great Customer service. Abusive, non-helpful, and just wrong.