Dell Financial - Dell Financial Review

A few years ago, I purchased some Dell products adn was lured in with perks if I signed up for a Dell Financial account.

The account helped me purchase a computer and a few other items which I needed. However, when it came time to pay for them, Dell set me up with an outrageously high interest rate.

A couple years back, I was in an unfortunate and unplanned situation where my husband passed away and had no insurance. I quickly went to a two person budget on a one person salary. I called all my creditors and asked for some leniency while I worked out my situation and tried to get back on track with my new situation. It clearly wasn't my fault and I was doing everything I could to keep up with payments despite the fact that I could no longer afford to do so. Every creditor was willing to work with me except for Dell.

Not only did they refuse to give me a month off of paying, a lower interest rate, or even waive some fees, but a few months later - after I couldn't make my full payments - they raised my rate to a whopping 28%.

I've since had to enter into a debt management program which has helped me get back on track with paying all my bills on time. However, Dell was the only company who refused to work with the debt management company. They continued to harass me multiple times a day, and insulted me repeatedly when I tried to explain my situation.

I'm not trying to get out of paying a bill. I just hoped for some compassion for a unavoidable situation and Dell was the only company who didn't give a crap. Their lack of compassion has caused me to vow to never purchase from them again. I've even convinced my company to stop purchasing Dell products as well. So for that little bit of money that they are trying to squeeze out of me, they lost thousands in the long run.

Whatever you do, DON'T get into any agreements with Dell Financial. In the unfortunate event that you can't pay your bill, they won't care and they'll just make it worse.