took out a small loan on a mini split in 2018 - was told it was for three years.
called them when I wasnt getting any statements at the end of the year - was told I broke the contract by making payments ahead ( was told I could pay ahead ) fought them to get a printed statement. then the contract was renewed for another three years saying I didnt respond to letters. Didnt get a letter or a phone call. let that ride, kept paying them. at the end of that three years - this year - I get a paper in the mail back dated three weeks - saying pay off the remaining 1207 by October 23 and we are done. that gave me 5 days to get the money pulled out of my retirement funds at the bank. Pulled the money out on Oct 20th paid them, and stopped their access to my bank. Payment was registered on their end on October 23 as stated as the due date on their letter. They refused to give me my PIF letter. 15 messages back and forth with one saying .01 a day interest, another saying .02 a day - then I get another sheet by email saying I have to pay to the end of their fiscal year which is december, make one more payment for novemeber and get your statement. Now they dont respond back. BUT I got in the mail another letter stateing that my contract is now renewed for another three years its back dated to Oct 13th and arrived at the house on Oct 31st. Again no response. I ask twice for an outside third party mediator as stated by Canadian law and they do not respond. Next step is go to my lawyer? DO NOT TAKE OUT LOANS with these PEOPLE!
Claimed loss: refusal to send PIF letter and demanded on more payment after they were PIF
Desired outcome: I want my PIF letter and then to have nothing to do with a company like this.Never have been so frustrated by trying to get a straight and consistant answer from a financial group like this