On Your Side: Computer Financing

By: Jeff Anderson Email
By: Jeff Anderson Email

One Gloverville woman says instead of computers one company is delivering empty promises. And she says now, she's out 1,600 dollars and a computer.

There are a lot of companies out there that claim to want to help people with less than perfect credit. Not all of these companies are bad, but as you'll see, you may want to do some homework before you place your order.

“I just said a prayer to myself and started doing it.” And Margaret King has been drawing and painting ever since. It's a passion she hopes can earn her some additional cash.

“We need the extra money.”

When it comes to income, Margaret’s options are fairly limited. She's disabled and can't work. So, she thought she'd turn her artistic hobby into an online store.

“I wanted a bigger computer to start a home business,” said King.

With her limited income and credit history, Margaret turned to a company that claims to help people like her get a computer.

The company is called financing alternatives incorporated. It makes promises of no credit checks and no up front money.

“I’m on disability and I cannot afford to pay full price for a computer.”

And so Margaret paid nearly 1,600 dollars in payments over the course of the last year.

The computer was supposed to arrive last September, but all she got then was this letter, telling her the shipment was delayed and would be there within 60 days.

5 months later it still hasn't arrived.

12 on your side looked deeper into financing alternatives. On the website, the current cost of a computer is nearly 1,800 dollars, but you can get a more powerful computer directly from dell for about half the price of financing alternatives.

Not to mention, the company has a long history of complaints with the better business bureau. Many have been resolved, but many have not.

Despite all this, Margaret is still drawing up a little hope that she'll see her order sometime soon.

“I’m very frustrated because I haven't gotten my computer and I’m out of the money,” said King.

We tried several times by phone and by email to reach financing alternatives incorporated for a comment on the story. We never had any success.

The moral of this story is put a little money aside each month, and you can get what you want without overpaying.

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