S&S Tools

Initial Business Response /* (1000, 5, 2015/10/13) */
This is simply a complaint from a customer who purchased items that he could not afford and now cannot keep up the payments. Customer begins by stating that his contract is with Snap-on not me and that he chose to pay directly to them so I...

should not be calling him. He is correct in that the contract is with Snap-On Credit LLC. However, as the local dealer and the one that wrote the contract with him, I am acting as the agent for Snap-on Credit. He was given the choice of paying me weekly or bi-weekly at the time the contract was written. He said his wife wanted to mail in the payments so Snap On Credit agreed to allow him to do this with the monthly payment being due on the 20th of each month. According to Snap-on Credit he is continually late with his payments always blaming the US Mail Service. He has been given the opportunity to make payments over the phone, and to do a direct deposit, both which he has turned down. He contends that I have lied to him saying that I gave him the line of credit from Snap-On. Again, I am the agent and the local dealer. He has to go through me in order to obtain this line of credit. I might add here that he is labeled HIGH RISK CREDIT so I'm sure that Snap-On is not the only business that has had a problem with getting their money. What I cannot make him understand is that his payment history affects my credit worthiness with Snap-On Credit. If I continue to make "bad" contracts that customers do not pay, Snap-On Credit will eventually stop allowing me to make these credit contract offers to other customers, thus hurting both my business and the customers ability to purchase items and pay them out over time. His delinquent account affects more people than just him! He states that I have modified his contract which is not possible. That contract was made electronically and submitted to Snap-on Credit. It is in their possession. Once I have submitted it to them, I do not have access to it so could not have changed it in any way. When he says this has gone on for over a year, he is correct. That is because his failure to pay every month as he agreed to has been going on for over a year. Snap-on has a policy to phone every delinquent account 3 times a month until the customer brings the account up to current status. This customer has been treated no differently than any other delinquent account. He is upset because his call to the regional manager in Illinois did not get me in trouble but rather he supported my attempts to collect a legal debt. I am sure that this is not fun to be continually called by creditors but this is the result of not fulfilling your legal obligations. Snap-on Credit keeps detailed logs of the calls and emails with customers and these can be made available to you if necessary.(I am attaching a small portion to support the example that I am about to give you.) While he accuses me of lying to him, he lies continually to both myself and the account managers from Snap-on Credit that contact him about his delinquent account. For example. on Sept. 4 he told the account manager that he would make a $30 payment on the 14th and a $40 paymont on the 21st. Then he would make a $225 payment on Oct. 2. This would bring his account out of delinquent status.
He said he would then make his regular $152 payment for October on the 30th (Remember his payment is due on the 20th). On Sept. 16, having received no money from customer, he was contacted again. He said he mailed $70 on the 12th and would not be able to pay any more during the month of Sept. He said his wife would mail $225 on the 1st of October. On the 21st of Sept. he sent the following email "This is [redacted]. I received your email. I am not going to be able to callyou today but I have some good news. I will be able to pay my entire snap on account off next week due to selling one of my properties this past weekend. Check should have been there by now. I will ask my wife if it's been returned in mail." The account manager replied that he needed to make a phone payment asap in the amount of $291 to bring his account current. One week later on Sept. 28 customer called Snap-on Credit saying that he wanted me to come and pick up the tool box. He said "calling me and emailing me over and over isn't going to make money I don't have appear out of thin air. I told you and [redacted] both my situation and neither of you can accept the fact that I couldn't give you money I didn't have." So I called to tell him I would pick up the tool box along with the tools that were also listed in the contract. He informed me that he would not return the tools. I explained that the contract says failure to pay resulted in repossessing ALL of the items and he had agreed to that. Apparently he did not want to give the tools back because he made a phone payment in order to keep me from reposing the items. This complaint is totally ludicrous and I'm sorry that this man feels that he has been treated unfairly. He did not receive any threatening or harassing phone calls from myself or from Snap-on Credit. Yes, we did contact him to try to obtain the money that he legally owes to Snap-On. This is within our rights and it was spelled out in the contract. I am sure that it is upsetting to have creditors calling you but this is a situation that he made himself. I hope that this helps to clarify the situation and that it is as obvious to you as it is to me that this complaint is without merit. I value my reputation and have worked too hard building up my business to have one customer smear my name because he can't pay his bills. Please see attachment for supporting documentation and there is a lot more that can be obtained if necessary. Snap-on Credit keeps very good records of their contacts with customers and would be more than happy to supply you with the logs. Thank you for allowing me the opportunity to defend myself against these unsubstantiated accusations. Please let me know if I can be of any further assistance to you in this matter.
Initial Consumer Rebuttal /* (3000, 8, 2015/10/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have only been deliquent once and [redacted] is a liar.October XX XXXX this individual came to my work place threatening to take my possessions that I purchased. I very much can afford his over priced tools. That same day October 14 2015, [redacted] Said I was stupid 3 times in front of a co worker who is telling our employer about the incident. [redacted] went on to threaten me by telling me I better watch out. He then came to my job after hours thinking no one was there and tried entering to steal my property.This individual did not realize there were employees there at the time. I'm contacting an attorney to see what legal actions can be taken for harassment and threatening me. [redacted] is a liar and a very shady business man who can not control his emotions. If he threatens me and trys to bring harm to my person or take my property I will defend myself by all means