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BlueHippo Funding

So what does BlueHippo do? Its Web site says it "helps consumers purchase and finace the products they want and need, inidependent of their credit history." As far as we can tell, it sells plasma TVs, computers and other merchandise through a pay-in-advance credit plan.

To be blunt, it sells stuff to people with bad credit. Its Web site states that customers pay $99 down and make 13 weeks (that's weeks, not months) worth of payments. After that, the merchandise is sent to them and the payments continue until the purchase is finally paid off.

Is this a good deal? Who knows? It's very hard to know what the real cost of the merchandise is, as it's not very clearly disclosed. If it's like most such schemes, the products are priced at full retail and then some, and the fees and interest rates aren't immediately apparent.

On its Web site on March 17, BlueHippo was offering a desktop computer for $99 down and $39.99 per week. It's not immediately apparent how long the payments last but it's quite likely most consumers could find a similar computer for a lot less if they saved their money and paid cash.

But don't take our word for it. Here are some of the BlueHippo customers we've heard from ...

Renew of Covina CA (11/11/08)
i just applied for my computer and i recieved my paperwork, so i read everything. i noticed that it said you will recieve your computer after 13 pmts. well it was not explaind to me like that. i was to recieve it after i sign and return my paperwork. i need one now not 3 or mor e months from now. they also told me that once the 99.00 was auto debited from my account they will start the shipment. well the money is taken now i have to wait 13 payments from now. i dont think so. if i had been told this in the first place i would have not exepted this. now i have been trying over and over everyday to cancel out, but its just a stupid recording, and nobody ever comes on. o want to cancel before the first pmts start. i have not signed the paperwork and sent it off yet, and i WILL not. i want to stop this right away. can you help me?

if they take my money and i have to wait for my computer i can loose my job. my job requires it. i cant turn around and pay for 2 computers.

Rose of Racine, WI November 11, 2008

Rose of Racine WI (11/11/08)
Had entered a agreement with BlueHippo 7/18/07 to purchase a dell labtop Computor, I'd Given BlueHippo the Ok to draft from my checking account 124.00 7/26/07; then draft 26 consecutive bi-weekly payments of 79.98 begining 8/2/07. I have made all my payments; (BUT)I never recieved my contract, On 8/6/2008 I called to ask why the computor was taking so long to be shipped,

Have Not Recieved My Computor And Free Digtial Camera Also Free Color Printer, I have called them at lease 8 times in between 2007 And 2008 They Have A Automated Phone Service That Keep Repeating A Message Over For At Lease 15 Minute,The Sales Person Said Twice It Would Take 3 To 7 Business Days,

I Still Have Not Recieved My Computor, I Called Today 11/10/2008 To Inform Them I Will Be Calling Better Business Bureau.

Artie of Brooklyn, NY November 9, 2008

Artie of Brooklyn NY (11/09/08)
In April of 07, i placed an order with blue hippo for a desktop PC with 17 inch flat monitor plus i was supposed to recieve a free color printer and a 20inch flat scree tv as a gift. all i had to do sign a contract and make consequtive payment of 39.99 on weekly basis. after making my 13th payment i was to recieve the desktop, and after making my last payment i would recieve the rest of the gifts. i told them to take the money out of my account automaticly and so they did.

after making my 13th payment i called the blue hippo and asked them when will i recieve my desktop, they told me it should be shipped out shortly. and i casualy asked about the free gifts and i was informed that i wont be getting them because, i was late on my payment. how can i be late if they take the money them selves? and there are no returned fund or insuficiant funds activity. i was very diaspointed because without those giftes the prices of 2000 didnt justify the desktop. so i canceled the order. i was fully aware of the no refund policy instead i should get store credit of 519.87.

few weeks later i went online and saw a 42 inch plazma tv for about 2k. so i called them and said i want the TV and i want to use my in-store credit towards the price. i was told no problem and they will send me a new contract. i got the cintract but it was different then the PC. unlike the PC that i had to only make 13 consecutive payment before i get it, The TV had to be paid in full. so i never signed a contract and just took my 519 dollar loss and moved on.

the i started noticing withrawls from my checking account by BLUEHIPPO. i called them and i told them i never signed the contract and what they doing is illigal, i want my money back. By this time they have withdrawnan additional 1000.they said they policy is not to return cash. so i figured i cant get my money back and if i cancel i will lose another 1K. so i waited. last payment was deducted on october 7 of 2008. im still waiting for my TV. i called them, and everytime i call they say oh its ready for shipping should get it in 10 business days. and that happens every two weeks.

now the company located in MD and im in brooklyn. So im not really in a position to travel to MD for the hearing of small claims court. but i called th attorney genral of MD and im schedualed for a Phone Arbitration. But i dont kow anything about how to act. does anyone have any suggeastions. and if this doesn't waork can i take the to civil courts and sue them for more the they owe , because they illigaly took money out of my account. i mean it's not just about the money i neexd to justify my travels for the hearing to MD. Thanks for your help guys. all feedback is more ten welcome

2700

Ca of Belleville, MI November 7, 2008

Ca of Belleville MI (11/07/08)
About two years ago I too gave BlueHippo the approval to deduct payments from my checking account and received nothing. After several phone calls to BlueHippo and getting hung up on, very lenghthy on hold times and no progress I simply requested for a full refund.

I was told that I would not get my money refunded and my only option was to let BlueHippo start again and deduct payments from my account. Needless to say after receiving nothing physical or verbal over the last couple of years I just want my money back. Help please!

Darryl of Dorchester, MA November 7, 2008

Darryl of Dorchester MA (11/07/08)
i first bought a laptop computer under there program. then i got one cheaper so i canceled that and got a flat screen monitor paid it off and never was sent a laptop called a few times nothing happened no managers called me back or never got a monitor and its been 7 months and im out 410.48 and over 100 min waiting for someone to pick up when i call

Carolyn of Santa Barbara, CA November 6, 2008

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