S&S Tools

Initial Business Response / [redacted] (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 paymentsCustomer begins by stating that his contract is with Snnot me and that he chose to pay directly to them so I should not be calling himHe is correct in that the contract is with SnCredit LLCHowever, as the local dealer and the one that wrote the contract with him, I am acting as the agent for SnCreditHe was given the choice of paying me weekly or bi-weekly at the time the contract was writtenHe 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 monthAccording to SnCredit he is continually late with his payments always blaming the US Mail ServiceHe has been given the opportunity to make payments over the phone, and to do a direct deposit, both which he has turned downHe contends that I have lied to him saying that I gave him the line of credit from Snap-OnAgain, I am the agent and the local dealerHe has to go through me in order to obtain this line of creditI might add here that he is labeled HIGH RISK CREDIT so I'm sure that Snis not the only business that has had a problem with getting their moneyWhat I cannot make him understand is that his payment history affects my credit worthiness with SnCreditIf I continue to make "bad" contracts that customers do not pay, SnCredit 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 timeHis delinquent account affects more people than just him! He states that I have modified his contract which is not possibleThat contract was made electronically and submitted to SnCreditIt is in their possessionOnce I have submitted it to them, I do not have access to it so could not have changed it in any wayWhen he says this has gone on for over a year, he is correctThat is because his failure to pay every month as he agreed to has been going on for over a yearSnhas a policy to phone every delinquent account times a month until the customer brings the account up to current statusThis customer has been treated no differently than any other delinquent accountHe 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 debtI am sure that this is not fun to be continually called by creditors but this is the result of not fulfilling your legal obligationsSnCredit 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 SnCredit that contact him about his delinquent accountFor exampleon Septhe told the account manager that he would make a $payment on the 14th and a $paymont on the 21stThen he would make a $payment on OctThis would bring his account out of delinquent status He said he would then make his regular $payment for October on the 30th (Remember his payment is due on the 20th)On Sept16, having received no money from customer, he was contacted againHe said he mailed $on the 12th and would not be able to pay any more during the month of SeptHe said his wife would mail $on the 1st of OctoberOn the 21st of Septhe sent the following email "This is ***I received your emailI am not going to be able to callyou today but I have some good newsI will be able to pay my entire snap on account off next week due to selling one of my properties this past weekendCheck should have been there by nowI 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 $to bring his account currentOne week later on Septcustomer called SnCredit saying that he wanted me to come and pick up the tool boxHe said "calling me and emailing me over and over isn't going to make money I don't have appear out of thin airI 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 contractHe informed me that he would not return the toolsI explained that the contract says failure to pay resulted in repossessing ALL of the items and he had agreed to thatApparently he did not want to give the tools back because he made a phone payment in order to keep me from reposing the itemsThis complaint is totally ludicrous and I'm sorry that this man feels that he has been treated unfairlyHe did not receive any threatening or harassing phone calls from myself or from SnCreditYes, we did contact him to try to obtain the money that he legally owes to Snap-OnThis is within our rights and it was spelled out in the contractI am sure that it is upsetting to have creditors calling you but this is a situation that he made himselfI 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 meritI 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 billsPlease see attachment for supporting documentation and there is a lot more that can be obtained if necessarySnCredit keeps very good records of their contacts with customers and would be more than happy to supply you with the logsThank you for allowing me the opportunity to defend myself against these unsubstantiated accusationsPlease let me know if I can be of any further assistance to you in this matter Initial Consumer Rebuttal / [redacted] (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 purchasedI very much can afford his over priced toolsThat same day October 2015, [redacted] Said I was stupid 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 outHe 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 timeI'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 emotionsIf he threatens me and trys to bring harm to my person or take my property I will defend myself by all means

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 paymentsCustomer begins by stating that his contract is with Snnot me and that he chose to pay directly to them so I
should not be calling himHe is correct in that the contract is with SnCredit LLCHowever, as the local dealer and the one that wrote the contract with him, I am acting as the agent for SnCreditHe was given the choice of paying me weekly or bi-weekly at the time the contract was writtenHe 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 monthAccording to SnCredit he is continually late with his payments always blaming the US Mail ServiceHe has been given the opportunity to make payments over the phone, and to do a direct deposit, both which he has turned downHe contends that I have lied to him saying that I gave him the line of credit from Snap-OnAgain, I am the agent and the local dealerHe has to go through me in order to obtain this line of creditI might add here that he is labeled HIGH RISK CREDIT so I'm sure that Snis not the only business that has had a problem with getting their moneyWhat I cannot make him understand is that his payment history affects my credit worthiness with SnCreditIf I continue to make "bad" contracts that customers do not pay, SnCredit 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 timeHis delinquent account affects more people than just him! He states that I have modified his contract which is not possibleThat contract was made electronically and submitted to SnCreditIt is in their possessionOnce I have submitted it to them, I do not have access to it so could not have changed it in any wayWhen he says this has gone on for over a year, he is correctThat is because his failure to pay every month as he agreed to has been going on for over a yearSnhas a policy to phone every delinquent account times a month until the customer brings the account up to current statusThis customer has been treated no differently than any other delinquent accountHe 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 debtI am sure that this is not fun to be continually called by creditors but this is the result of not fulfilling your legal obligationsSnCredit 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 SnCredit that contact him about his delinquent accountFor exampleon Septhe told the account manager that he would make a $payment on the 14th and a $paymont on the 21stThen he would make a $payment on OctThis would bring his account out of delinquent status
He said he would then make his regular $payment for October on the 30th (Remember his payment is due on the 20th)On Sept16, having received no money from customer, he was contacted againHe said he mailed $on the 12th and would not be able to pay any more during the month of SeptHe said his wife would mail $on the 1st of OctoberOn the 21st of Septhe sent the following email "This is ***I received your emailI am not going to be able to callyou today but I have some good newsI will be able to pay my entire snap on account off next week due to selling one of my properties this past weekendCheck should have been there by nowI 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 $to bring his account currentOne week later on Septcustomer called SnCredit saying that he wanted me to come and pick up the tool boxHe said "calling me and emailing me over and over isn't going to make money I don't have appear out of thin airI told you and *** 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 contractHe informed me that he would not return the toolsI explained that the contract says failure to pay resulted in repossessing ALL of the items and he had agreed to thatApparently he did not want to give the tools back because he made a phone payment in order to keep me from reposing the itemsThis complaint is totally ludicrous and I'm sorry that this man feels that he has been treated unfairlyHe did not receive any threatening or harassing phone calls from myself or from SnCreditYes, we did contact him to try to obtain the money that he legally owes to Snap-OnThis is within our rights and it was spelled out in the contractI am sure that it is upsetting to have creditors calling you but this is a situation that he made himselfI 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 meritI 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 billsPlease see attachment for supporting documentation and there is a lot more that can be obtained if necessarySnCredit keeps very good records of their contacts with customers and would be more than happy to supply you with the logsThank you for allowing me the opportunity to defend myself against these unsubstantiated accusationsPlease 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 *** *** is a liar.October XX XXXX this individual came to my work place threatening to take my possessions that I purchasedI very much can afford his over priced toolsThat same day October 2015, *** *** Said I was stupid times in front of a co worker who is telling our employer about the incident*** *** went on to threaten me by telling me I better watch outHe 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 timeI'm contacting an attorney to see what legal actions can be taken for harassment and threatening me*** *** is a liar and a very shady business man who can not control his emotionsIf he threatens me and trys to bring harm to my person or take my property I will defend myself by all means