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| 123 layaway stacy perry 123 layaway scam scam via internet |
| 2nd of Oct, 2011 by User926496 |
i found 123 layaway online about a year ago, and it had some good reviews from alleged customers on the site, so i thought i would try it out. the premise behind the business was that you could pick items from any store online you wanted to, and the 123 layaway company would purchase these items and store them for you on a layaway plan-and you would pay them biweekly or monthly until the items were paid for and they would then ship them to you from their "many warehouse storage centers" i picked out some items from multiple websites and started a layaway plan with the company. they claimed to have bought my items after i made my initial down payment and i continued to pay on these items for the 3 month layaway plan period. the items totaled over $600 not including 123 layaway fees for processing and whatever else they charged for. i paid the items off. no one contacted me. i emailed them and still got no response. the layaway page on the website that had my items on it just kept saying pending...and nothing ever showed it was being shipped out. i tried calling customer service over and over with no answer and finally, one day when i dialed the number, i got a disconnected recording. the website suddenly changed and said "UNDER NEW MANAGEMENT" we will resume shipping items on this date: and they gave a date. it also said they were installing 100 new phone lines in the customer service call center and the lines would be up and running on that same date. i kept checking the site and 3 or 4 different times the date they were supposed to be up and running by would change to a later date...and finally the website disappeared. i had no way to contact anyone. i contacted the better business bureau, who also had issues trying to contact this company and when they finally did get a response, it was from a rude stacy perry, who was supposedly not the own any longer according to the site when it was still available to view...and she had a completely inappropriate attitude considering she just ripped me off for over $600. by the time she did contact me via BBB, i no longer used the same bank account i was using to pay on my 123 layaway account because my husband and i switched to bank of america from the original bank and i didnt have bank records of my payments any longer because it had been over 6 months and i figured i was just ripped off and wouldnt see my money again nor would i hear from the scamming company-the BBB even said they were closing the case because they couldnt contact stacy perry either and thats when she finally decided to respond. i was supposed to be able to show proof of the layaway i paid off, but all the information was on the 123 layaway website and at the time of placing the layaway and paying on it, i didnt think i needed to print out proof because the reviews on the site were favorable and i assumed the whole thing was legit, stupid me. i still have not seen a refund of the over $600 i forked out for items i wanted/needed that i couldnt afford to pay for all at once out of pocket. 123 layaway is a scam that targets people who want to use a service to acquire items they want/need because they dont have the credit or immediate funds to get the items right away, or dont want to have credit cards that charge interest over time, so layaway is a good interest free option. 123 LAYAWAY never intended to purchase my items when i made that initial payment, and they continued to accept my biweekly payments and run their scam so they could steal my money. then, instead of saying they were a scam crap company or that they were no longer in business or whatever they wanted to say-they just disconnected phone lines and the website disappeared as if it never existed. the whole thing was a scam and i wonder how many other people lost large amounts of money to this deceptive scam of a company owned and operated by stacy perry.
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Hello Dear Customers
My name is Stacy Perry I use to own a company called 123 layaway. It had a A- rating with BBB.org. The idea behind my business was for the customer to pick out the item from my layaway mall or any retail store and we would purchase the item and store it and when its paid off 123 layaway would mail the product off to the customer. It was a much needed service and still is. Our customers could pay weekly, Biweekly, Monthly we relized that many customers get paid different times of month. Yes we did have a warehouse and many storage bins laid across the USA for easy shipping. We were in Business since 2006 and not one customer complaint until 2011. The bbb.org has record of 8 complaints on my company and all was resolved this year. This customer could not show a vaild invoice for proof of purchase. At the time 123 layaway only charges $25.00 layaway and shipping charges except for christmas then we have no extra fees 0.00 layaway charge and 0.00 shipping. I and my company did take pride in the customer service that we provided and we would contact them back if we missed there call or there called dropped and we would respond to emails with 48 hours except around christmas season. The website closed in 02/07/2011 and the company closed. In 2010 was the first year we accepted credit cards and we had customers that tryed to do fraud chargebacks on our company so a company policy was if the customer did not have a invoice of purchase the customer would not recieve any funds. And We would challenge the chargeback with our processor. After 02/07/2011 a letter went out to every customer that was not contacted by phone because there number was changed or disconnected. We could not reach this customer because there number did not work. The letter stated that we were going out of business and to recieve a full refund of there purchase the customer would need to show proof of purchase. Such as a invoice or a bank reciept with the bank logo on it. per company policy. Company policy is in place to protect the merchant and customer. No letter was ever sent to us by this customer. Our address stayed on file with bbb.org. The bbb.org was then contacted by this customer and a complaint was made. If anyone has got a complaint from bbb they do there complaints electronicly and since my website was closed the email was as well. That is the reason bbb.org had trouble contacting me. I am very sorry about that. I am very sorry that the customer thought I was rude I stated what the federal laws and state laws were about refunding any money back to a credit card. I told the customer if she or he could get a bank letter head receipt stating that 123 layaway took out and did not refund them then 123 layaway would follow the law and return the money back to the account in which she used. I don't think thats rude I think thats business minded and protecting the company and customer. As we talked via bbb.org the customer said that she needed a money order or cashier check mailed to her because she closed her account because she overdrafted it many times and she owes the bank funds. As the customer stated she does not have proof of purchase. Who throws away 600.00 receipt and then ask for a cashier check instead of getting a refund the same way the customer saids they paid. Sounded like a craigslist fraud job to me. ALERT!!ALERT!! Again this is what the company policy is suppose to prevent customers from frauding 123 layaway. The bbb.org did not close the case until Oct 2011 because the customer did not have evidence to back up her claim. 123 layaway was cleared of her complaint. All invoices are mailed to the customer after a payment is made. The payment is dated and timed when it is put in the system. And when the information is saved a invoice is emailed to the customer automactic so the payment information was on the system and email to the customers. This customer was not in the system as a paying customer. The bbb.org has been in contact with us for most of the year. And has cleared every complaint 123 layaway had in 2011 because 2011 was the only year it had a complaint. 123 layaway was a company designed to give everyone a payment option to buy product that they could not afford in cash. Customers are not able to receive credit anymore but they still have the amercian dream to own a flat screen or 20 inch rims on there car. Customers can't afford to go to a rent store and pay double the value of the product. Yes there is one thing I am guilty of and thats giving the world the layaway option back to amercia. Yes its a wonderful program to be interest free. As I was reading this complaint I wonder how a person could call a company fraud when they don't have proof of purchase. Would you walk up to the counter of walmart and say I like my money back but I don't have receipt. No you would not. Your complaint sounds personal against me the owner Stacy Perry because I made the decision to follow company policy and please I will never not follow company policy and anyone working for me caught not following company policy will be terminated right away. I don't know if your old employee that got terminated or a customer that didn't get there way or a person that tryed fraud on us but if you are take it to craigslist. We didn't just cut the phone lines and website we sent a letter stating we were closing and we closed. To the rest of the loyal customers out there. I have opened another website and company called Layaway Express, LLC. same concept as you can see we have customer service number and website. http://www.bbb.org/west-florida/business-reviews/payment-processors/layaway-express-in-tampa-fl-90100619 is the bbb.org on layaway express and http://www.bbb.org/cincinnati/business-reviews/financing/123-layaway-in-cincinnati-oh-90003464/
the file on 123 layaway. bbb number is 513-421-3015 We advise for any customer to contact them before ordering we have nothing to hide. |
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Hello
This is Stacy again
U.S. Constitution - Amendment 1
Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.
Let me remind you:
Define Libel:
Verb:Defame (someone) by publishing a libel.
Noun:A published false statement that is damaging to a person's reputation; a written defamation.
Define Written Defamation
Defamation—also called calumny, vilification, traducement, slander (for transitory statements), and libel (for written, broadcast, or otherwise published words)—is the communication of a statement that makes a claim, expressly stated or implied to be factual, that may give an individual, business, product, group, government, or nation a negative image. It is usually a requirement that this claim be false and that the publication is communicated to someone other than the person defamed (the claimant).[1]In common law jurisdictions, slander refers to a malicious, false, [2][not specific enough to verify] and defamatory spoken statement or report, while libel refers to any other form of communication such as written words or images.[3] Most jurisdictions allow legal actions, civil and/or criminal, to deter various kinds of defamation and retaliate against groundless criticism. Related to defamation is public disclosure of private facts, which arises where one person reveals information that is not of public concern, and the release of which would offend a reasonable person. "Unlike [with] libel, truth is not a defense for invasion of privacy."[4][not verified in body]False light laws are "intended primarily to protect the plaintiff's mental or emotional well-being."[5] If a publication of information is false, then a tort of defamation might have occurred. If that communication is not technically false but is still misleading, then a tort of false light might have occurred.[5]In most civil law jurisdictions, defamation is dealt with as a crime rather than a tort.[6]A person who harms another's reputation may be referred to as a famacide, defamer, or slanderer. The Latin phrase famosus libellus means a libelous writing. |
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