I fell for the Brick Card scam! :( Please help!

[Mar22]

Delete thread please. No longer needed.

[hitman_24]

Did you call the brick to verify?

I signed up when I bough a couch for the kids play room and didn't have to pay for 3 months.
The interest always starts from the day of purchase ONLY if you don't pay the full amount on the 3 month payment date.

[meagicano]

We bought appliances and I review every statement religiously from the Brick and it clearly says we are on a promotional program (no interest etc for 12 months). It also gives a date when interest starts accruing but if we pay before the date we are fine.

[Mar22]

Yes the sales person said no interest for three months. After I went home and read through the receipt, it stated that it was for one month. He had also signed me up for a payment protecton plan "insurance" (scam) under Trans Global Insurance Company and said I would have to call in and cancel seperately within 30 days. .

However their terms state that you will have to give them this in writing. He also never gave me physical terms or conditions to read. He said when I was signing, it was just to give consent for them to do a credit check. Biggest mistake. He also asked me, "can you sign twice to give consent to do a credit check?" Then 30 seconds later he said, "oh it didnt go through, can you do it again please?" I can't believe I made such a stupid mistake. I seriously got no sleep over this. With two little ones getting impatient my mind completely wandered off! :(

I came home and read on the terms that he actually made me sign FOUR times to four different documents. I can't believe I made such a stupid mistake.

I also asked if they have a refund policy to cancel and he said no. I checked The Brick's website, it says 7 day no questions asked. I seriously believe that this sales person misinformed us and failed to disclose information. I am going to go in today and cancel the whole order for the mattress.

Will I still be liable for any charges on the credit card or payment protecton plan charges? Whats the best way to go about clearing this whole mess and cancelling this account for good?

Thanks for all of your replies

[royroces]

I don't think you were really scammed. Probably a bit misinformed...

I've had that card before and as the poster said earlier, the interest does start from day one. You only have to pay the interest if you DON'T pay within 3 months of purchase. You shouldn't have anything to worry about, unless you're not planning to pay off your purchase in 3 months.

As for the insurance thing, it's a horrible sales tactic. I'm pretty sure these sales people have a target or a bonus based on how many of payment protections plans they can sell. I ended up with one too. You already have your solution, just call them and get the address and send them a written notice to cancel. From what I understood with mine, once you call them the cancellation is already in progress. Your written letter is just for verification.

[Mar22]

Thank you for the reply, royroces. He didn't even tell me about a payment protection plan until afterwards. I feel cheated.

I am going to just cancel the whole order today to clear the card. I am hoping theY won't screw something up (like always) and make sure it goes through leaving me with a balance of $0.00 on the credit card. How much I can trust these people I don't know. I've had horror stories in the past telling me something was canceled but it wasn't. I can't even find anywhere how to terminate this card.

[starboy869]

Did you even tired calling them? Probably not.

[iamnotamerican.com]

Thank you for the reply, royroces. He didn't even tell me about a payment protection plan until afterwards. I feel cheated.

I am going to just cancel the whole order today to clear the card. I am hoping theY won't screw something up (like always) and make sure it goes through leaving me with a balance of $0.00 on the credit card. How much I can trust these people I don't know. I've had horror stories in the past telling me something was canceled but it wasn't. I can't even find anywhere how to terminate this card.
You weren't scammed, you weren't cheated...at least not by anyone at The Brick. If you choose not to read the documentation you're signing to verify which options are checked and not checked, then you cheated yourself. If you go shopping with two kids and that's too much for you to handle, then maybe you should leave your kids at home in future? As for being impatient and blaming the Brick salesdroid for taking advantage of you on that count...once again...that's your own issue.

Looks like The Brick's representative added some options, but you accepted them - maybe unwillingly, but it certainly could have been avoided with even a little common sense care on your part.

Contact The Brick to discuss your options. Good luck.

[Mar22]

please delete thread.

[hitman_24]

Sooooo, what did the brick say when you called them?

[Firebot]

Sooooo, what did the brick say when you called them?

+1. OP you are so busy shifting blame and putting everything on the fact you had impatient kids and got 'taken advantage of', yet you aren't doing anything to rectify the issue giving out excuses after excuses. Your kids didn't force you to sign anything, and the sales person did not force you to sign anything, no it's not a scam. You have buyer's remorse due to being misinformed / not attentive, and you know perfectly well how you can cancel. Just call and cancel explaining that you were not properly informed of all the details by the sales associate with signing up, along with giving a written notice if required; it's not a big deal. Talk about a mountain out of a mole hill.

Next you will be telling us you don't want to call as they might say no and try to sell you more products, and how your kids might yell in the background distracting you from making a proper decision:D.

[starboy869]

^ this

[Mar22]

+1. OP you are so busy shifting blame and putting everything on the fact you had impatient kids and got 'taken advantage of', yet you aren't doing anything to rectify the issue giving out excuses after excuses. Your kids didn't force you to sign anything, and the sales person did not force you to sign anything, no it's not a scam. You have buyer's remorse due to being misinformed / not attentive, and you know perfectly well how you can cancel. Just call and cancel explaining that you were not properly informed of all the details by the sales associate with signing up, along with giving a written notice if required; it's not a big deal. Talk about a mountain out of a mole hill.

Next you will be telling us you don't want to call as they might say no and try to sell you more products, and how your kids might yell in the background distracting you from making a proper decision:D.

Wow..I never realized there was some really rude snarky people on RFD. Now doing a search on the Brick in this forum, they have been called scammers in the past and have been told to avoid them as they are liars, cheaters, scammers etc etc. I just wish I read it earlier.

How can I do ANYTHING? It is the WEEKEND and I will have to wait until the weekday to do anything because the credit department and insurance company is closed. If you read any of my concerns, i was asking what were my rights and how I would go about cancelling a credit card? Yet no one chose to reply but chose to blame.

No of course my kids didn't sign anything, because they aren't 18 yet..why should they? The sales person at that point took advantage of me tending to my kids. Who weren't exactly being impatient, but asking me when are we leaving and going to the park.

Obviously, the people blaming me aren't reading anything regarding the concerns in my post. I admitted I was wrong not to read, but that doesn't mean the sales person didn't break their policies while signing me up for something he never told me. I was lied to, believe it or not. Was it my fault not to ask for the terms? Yes. Is he to blame? Yes when it's clearly stated that the sales person SHALL give the customers the terms before asking them to sign. He lied to me and said i was signing a credit check.

Why am I worrying? Reading all the horror stories online and not finding a single page how/where I could cancel. Those who tried to cancel were in for a nightmare. I never been in such a mess, so call me a noob for coming here.

[hitman_24]

Did you even try and call? You obviously did not
The bricks credit department is run by HSBC
Thy have 24 hr 1800 number

You have been told how to cancel, pay the balance owed and they will cancel your account once you fill out and mail the proper form


Lesson learned : if it wasn't written it was never said.

[Mar22]

You have been told how to cancel, pay the balance owed and they will cancel your account

He signed me up for life insurance plan without informing me about it. I have read the company is HSBC and the insurance is Trans Global, who seem to never answer calls and once you call to cancel, they end up telling you it's canceled when in reality they keep being charged.

^ My concerns lie here

[hitman_24]

He signed me up for life insurance plan without informing me about it. I have read the company is HSBC and the insurance is Trans Global, who seem to never answer calls and once you call to cancel, they end up telling you it's canceled when in reality they keep being charged.

^ My concerns lie here
After enrolment you will receive a Certificate of Insurance detailing full conditions of your Brick Payment Protection coverage. If you are not 100% satisfied, notify The Brick in writing within 30 days and The Brick will cancel the coverage and refund any premiums that you may have paid

If there no balance, then there's no insurance charged anyway

[Mar22]

Thanks Hitman. I should have noted probably in the first post that they don't exactly abide by their own terms and conditions, which is why I was very concerned. Seemed like a Nigerian scam company by the complaints read online for The Bricks Platinum card. I read too many horror stories too late about the compan(ies) not cancelling when the customer requests, charging them premiums even after they have requested to cancel etc.

Anyways, thanks for your time. Mods please delete this thread. Thank you...

[hitman_24]

Thanks Hitman. I should have noted probably in the first post that they don't exactly abide by their own terms and conditions, which is why I was very concerned. Seemed like a Nigerian scam company by the complaints read online for The Bricks Platinum card. I read too many horror stories too late about the compan(ies) not cancelling when the customer requests, charging them premiums even after they have requested to cancel etc.

Anyways, thanks for your time. Mods please delete this thread. Thank you...

Nobody in their right mind would ever carry a balance on a department store credit card anyway

But just let this be a lesson to you to do your homework before you get to class:p

[Firebot]

Wow..I never realized there was some really rude snarky people on RFD. Now doing a search on the Brick in this forum, they have been called scammers in the past and have been told to avoid them as they are liars, cheaters, scammers etc etc. I just wish I read it earlier.

How can I do ANYTHING? It is the WEEKEND and I will have to wait until the weekday to do anything because the credit department and insurance company is closed. If you read any of my concerns, i was asking what were my rights and how I would go about cancelling a credit card?Yet no one chose to reply but chose to blame.

...


Did you call the brick to verify?


Did you even tired calling them?


Just call and cancel explaining that you were not properly informed of all the details by the sales associate with signing up, along with giving a written notice if required; it's not a big deal.


Did you even try and call? You obviously did not
The bricks credit department is run by HSBC
Thy have 24 hr 1800 number

You have been told how to cancel, pay the balance owed and they will cancel your account once you fill out and mail the proper form


And this is the response after all these posts.


He signed me up for life insurance plan without informing me about it. I have read the company is HSBC and the insurance is Trans Global, who seem to never answer calls and once you call to cancel, they end up telling you it's canceled when in reality they keep being charged.

^ My concerns lie here

You still never even called! How do you know what happens, when you never even bothered to try? Stop reading and start doing. Once you actually have a problem after committing an action, then you can complain. Fearing the worst when you have yet to take action is not a good way of living.

Just because the Brick has shady practices, does not change your current situation caused mainly by yourself. Great for you to just delete all your posts btw. What exactly where you expecting when you made this thread anyways? People have told you what you need to do, and all you do is continue to vent and make excuses. No one was originally rude to you, but if you are not even willing to help yourself, comments will reflect this.

Even if the 1-800 number was not 24 hours, the world does not end simply because it's a weekend. Again, a simple phone call would very likely resolve all of this, if not today then Monday. People are too easily ready to complain before they even tried to take action themselves.

[starboy869]

I think this person is one those person that blames everyone else, but themselfs for there problems. Avoids the route to fix the issues, but prefers the drama/complaing in their life.

Also there was someone like this in the media recently. TCC employee sleeping with backpack on a seat. Subway/bus starts filling up. Some disable person couldn't get a seat snaped a picture of the employee and submitted it to the media and complained that he couldn't get a seat. He also stated that he didn't awake the employee to ask him to move his bag so he could sit down.

This relates to you since you given advice how to fix it, but decided to complain/cry I need more drama in my life instead of picking up the phone to fix the issue. You know there's a name for this kind of behavour, but I can't repeat it here.

It's probably safe to say your still blaming the 2008 crash for your problems. I run into your kind a lot.

[RenegadeX]

I came home and read on the terms that he actually made me sign FOUR times to four different documents. I can't believe I made such a stupid mistake.Sales person's "lies" aside, just be glad that it's only a credit card and a possibly a bit of money... have you seen the South Park episode called "HUMAN CENTiPAD"?? (Kyle clicks "Agree" to the Apple iTunes User Agreement without reading it, with horrific consequences) :lol: Lessons are sometimes learnt the hard way, and once you get this sorted, at least you know you'll never make a similar mistake again.

I think this person is one those person that blames everyone else, but themselfs for there problems. Avoids the route to fix the issues, but prefers the drama/complaing in their life. <SNIP> This relates to you since you given advice how to fix it, but decided to complain/cry I need more drama in my life instead of picking up the phone to fix the issue. You know there's a name for this kind of behavour, but I can't repeat it here.That may well be true but the thing that annoyed me the most about this thread and the OP is that he/she deleted the content of Post#1 as well as a follow-up post and says they now want the thread deleted. :(

Delete thread please. No longer needed.
please delete thread.
Anyways, thanks for your time. Mods please delete this thread. Thank you...The point of a forum is for users to SHARE questions, answers, experience and knowledge.. and have what's been posted made available so others can benefit. Only a selfish person would say "I had a question, got the help I was looking for, now please delete it". And it's even more galling considered the OP's own words from this very thread were:
Now doing a search on the Brick in this forum, they have been called scammers in the past and have been told to avoid them as they are liars, cheaters, scammers etc etc. I just wish I read it earlier.

As it seems The Brick's salesperson gave the OP incorrect and/or incomplete information that caused the OP to believe they were agreeing to something somewhat different to what was actually the case, I think it's important that the now-deleted text be restored so that future readers of this thread will be able to understand what happened and benefit from the experience.

Post#1, restored:

Hello everyone, I've been a long time lurker and fan of RFD. Hope you dont mind me posting here. I seriously need some help from you guys.

Today, we went into the brick to purchase a mattress. The sales person persuaded us to apply for the brick card, which yields 3 months no payment/no interest and free delivery. He took advantage of us with 2 kids being impatient and we took the bait.

Unfortunately, after coming home and reviewing online terms/conditions, I did not see anywhere there is a no payment for 3 months option. In fact, the interest starts from the date of your card activates and I have read all the problems with the brick.

I'm completely horrified. We had 2 little kids with us and I cant believe that the sales person didn't give us the proper details. He made us sign for the card and lead us out with no contract in our hand. I blame myself for this. But now I'm regretting the purchase of this mattress..esspecially the credit card.

How can I cancel my purchase with the brick and the credit card?

I really appreciate your comments and advice. Thanks againand

Post#9, restored:

Please explain how this isn't being cheated. I read their terms later at home, it clearly said the sales associate should give the customer the terms/contract before signing anything. It also had the "optional" payment protection plan, which said the salesman should explain to the customer first and ask if they would like that, and then have them sign. He did not tell me any of this, and told me just to sign to get a credit check and see if you will be approved for financing. The only reason I wanted to apply for this was because they had a few extras. Im not saying its not my mistake, but clearly the associate didnt follow store procedures and policy and made me sign on something somewhat irrelavent. What he said that I had to sign was authorizing a credit check on my behalf, which I agreed to of course, not telling me this is actually the credit card contract plus the extra price protection warranty, which clearly states the customer must agree to it. So yes, it is a scam, I'm afraid.

As for leaving the kids, I wish that was an option. When you don't know anyone in the area and have no family around, that's a bit tough. And again, as stated numerous times, I have agreed that it was a stupid mistake on my part and that i should have been more careful. Not sure what benefits you from insulting someone who clearly is asking for advice.

[Mar22]

...









And this is the response after all these posts.



You still never even called! How do you know what happens, when you never even bothered to try? Stop reading and start doing. Once you actually have a problem after committing an action, then you can complain. Fearing the worst when you have yet to take action is not a good way of living.

Just because the Brick has shady practices, does not change your current situation caused mainly by yourself. Great for you to just delete all your posts btw. What exactly where you expecting when you made this thread anyways? People have told you what you need to do, and all you do is continue to vent and make excuses. No one was originally rude to you, but if you are not even willing to help yourself, comments will reflect this.

Even if the 1-800 number was not 24 hours, the world does not end simply because it's a weekend. Again, a simple phone call would very likely resolve all of this, if not today then Monday. People are too easily ready to complain before they even tried to take action themselves.

I never even called? Did you even read anything I posted? Would you like to go ahead and call yourself and see what the number says to you? FYI, It is NOT the BRICK or HSBCs 24hr line. This is linked to the credit card and it's a THIRD PARTY insurance company. Please understand before jumping to conclusions. By all means, go ahead and call and tell me what you hear: Trans Global Insurance Group

Contact details

Address: 16930 114 Ave Nw Suite 275, Edmonton T5M 3S2, AB
Tel: 8882267876

Its not about it even being a weekend or anything or a matter of picking up the phone and calling. I made a mistake, I have no idea what I signed for, they will not provide my signatures, under the Ontario Law I expected some advice on how to cancel whatever I signed.The Brick has nothing to do with them, it's a seperate company. They told me I have to deal with them.

Obviously going the correct route of calling/faxing/writing seems that it did not work out for hundreds of customers (read complaints online) and were scammed by this Trans Global Company for months. I called the Brick and they confirmed that the employee was wrong by making me sign and telling me it was actually for the credit check. As well as not asking me if I wanted the additional insurance.

People have said they have went the right way to cancel via phone/mail etc and they still ended up getting fraudulent charges. The company has several complaints under its name. Perhaps I wanted some advice on how I would protect myself legally before I fell into such a mess. Obviously it seemed that going the way of their policy did not work. I had the same thing with a gym who charged me for 6 months, even after writing them in writing.

Sure I wrote here for advice and was upset. It's the first time I made such a mess. Obviously I am going to be upset about it. You learn from your mistakes. This will be first and last.

This is the reason I want this thread gone. I recieved nothing but rude, immature comments.

Thank you for all that took the time to reply.