I want everyone to know that a payment plan entitled "Financement Gratuit" had a surprise charge added to it by "citifinancière" of $21.00. I was advised that they met the legal requirements of changing the terms of my agreement with a notice sent in March that I do not recall receiving. They would not reverse this fee, even at the offer of having the entire balance paid up front.
I was told that they could not advise me who was a third party responsible for reviewing such things until either I had made a formal dispute, using only a written or faxed letter (no email for "security" reasons), or until I was behind on my payments. They acknowledged that I had made every payment on time (I've been paying for nearly a year).
I spoke at first with some low level person who quickly passed me to "Roman". He was a bit smarmy, but not rude, and told me that I shouldn't bother and he was trying to help me save time by just paying it because they weren't going to say anything different than him. I then spoke to Michael (Mike), who was much less smarmy, and still very polite, and who acknowledged that he had discretion with sufficient mitigating factors to review such things, but that he didn't see anything and that other people had called about the same issue to no avail. He did not consider my offer to pay the entire balance to be equitable, even though I'd make that much in a 2% chequing account over the course of the year+ that I'd be making payments.
I discussed an additional mitigating factor, that I would never use them again, and that I would tell all my friends how screwed over I felt. Mike suggested that this was my choice, but that he felt there was no common ground between my feelings on the matter and their legally fortified policies.
So, please pass this on, you can even use my real name (We all know it's Stuart Thiel). Also, if it suits your temperament, please boycott the use of "citifinancière" (citi bank, the one in all the trouble in the states).
ramou
