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i once worked for RAC, its the DMs and RDs telling the store employees to act the way they do towards the customers who have past due accolunts. its true they take the shitiest merchandise and try to make 4 times what they paid for.

they claim they wanna help people but they have quotas they have to hit daily and they will do anythin to hit those numbers. as far as pressing charges they cant and wont unless u have had the item for less than 2mnths. my advice as a former RAC manager is get an item, the best and most expensive one, make ur paymnts on time for 2 months and never pay them again.

they will charge ur account off and sell it to a debt company and they will leave u alone and move on to other customers. *** u RAC and MARK SPIESE!!!!

Location: Saint Louis, Missouri

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Guest

That's a whole lie.... They will charge you with failure to return rental property and you will be served a crimjnal summons to appear in court or be arrested and placed in jail until you bond out... The only way you can best them if you go to jail and then you can't be found liable for their property, but they will put a theft block on you ever renting from them again.

Guest
reply icon Replying to comment of Guest-1776408

Not true

Tywana Mwm

They took me to court for theft of lease property. Im nervous never been in triuble with the law.

Don't got a criminal background.

My tvs were ruined from water damage from my ceiling falling in so i had to move quick. So i dont know what too do.

Amor Hoy

I've heard this over and over from people. They are some shotty people

Tayvon Vkw

Even if this was true, why the *** would you steal? Even if you could get away with it, it is morally wrong.

I just leased an S10 through them.

Yes, the payments may be high, but you don't need a credit check and I can't afford to outright buy a phone worth a thousand dollars. And they allow bi weekly and weekly payments, unlike Aaron's, who is restricted to monthly.

Guest
reply icon Replying to comment of Tayvon Vkw

If you have no money, and terrible, WHY do you feel you deserve a thousand dollar phone??? SAVE your money, build your credit back up, and save major buck, you know....the SMART and the RIGHT thing to do.

Well, most likely MOST of you didn't know that. Now you do.

Dum dums, you can get a pre-paid, or very low funded CC and build your credit, and SAVE money! Stop being lazy and dum.

Tayvon Vkw
reply icon Replying to comment of Guest-1775186

And what makes you feel like you have to act like an arrogant *** People like you are why our country is so *** up. I cant afford to build my credit back up due to my childish antics when i was 18.

I destroyed every aspect of my credit with credot cards and phone contracts. Now at 27, i regret ever having done that.

Guest

Do NOT take this guys advice. I actually use to work for RAC.

The reason they tell the employees to act this way towards the customers is because RAC wants to avoid sending paperwork to legal because that costs money to the company, and they lose the profit of the merchandise that was "stolen" from lack of payment. Depending on the state, they can press charges against you if they choose. If they decide not to press charges against you they either A. send your contract, and all your payment history to legal where an attorney goes to court to set up a garnishment for the merchandise that was stolen and will become visible in a couple of months on your paychecks...

or B. They will file a replevin where a police officer will be accompanied by a locksmith to unlock your door to retrieve the merchandise.

You will be hit with the legal fees, and any back rent that you owe. If you cannot afford it, just return the merchandise.

Guest

I honestly wouldn't follow this guys advice. Depending on the state, they can press charges against you.

If they choose not press charges against you for not making payments, they will send your paperwork to legal. Usually means that they'll either A. garnish you in a few months once it's done in court, or B. You'll get hit with a replevin where a police officer/locksmith will assist in opening your door to retrieve merchandise, and you will have a court date, and will get hit with the legal fees.

I use to work for RAC. Just return the merchandise if you can't afford it.

Guest

I was just wondering, if one was to seek to buy something new from a store but needed to save money in order to do so, how would that person go about doing that, keeping in mind that this person gambles and spends money like it grows on trees and has an outrageous addiction to ***

Guest

Yes paid off my TV had insurance on it expired 3Jan.2019 yesterday it when crazy with lines ever we're.

Guest
reply icon Replying to comment of Guest-1638787

What does that mean

Guest

I needed household furniture without up front cash, so 6 months same as cash is the best part of the whole thing. It gets overlooked, because I'm sure RAC would rather have you pay thousands in interest over the life of the lease.

I will pay the exact payments due and then pay myself an amount planned every month to have a cash purchase in 3 or 4 months.

If anyone goes this route, do not overpay your lease payment thinking you are paying towards the purchase, it will not get applied to the purchase price, but instead it will go on the interest side of the deal, and when you get set to make the final payment, you'll get surprised to find out that you are nowhere near paying it off. Just pay the extra money to yourself instead.

Guest

Will they put a warrant out for arrest if payments aren't made?

Guest
reply icon Replying to comment of Guest-1581316

Malissa, are you a moron or what? Who cares if they'll put a warrant out for your thievery?

What you need to worry about is your credit. Probably the reason you're at RAC in the first place. Next thing you know, you'll be on other pages of this site whining that someone loaned you money at a high interest rate, someone won't sell you a car unless you get a co-signer or go to a glorified buy here pay here or have to pony up large deposits for utilities or put them in your kid's name.

How about simply passing on internet enabled devices and whatever other junk you don't need and get your notes straight while you can. 20 turns into 50 real fast my sweet little child.

Guest
reply icon Replying to comment of Guest-1606265

That was SO beyond rude and unnecessary. She just asked a question no reason to be such an *** to innocent people!!

What about people who need things to better them selved?? Not everyone can afford things brand new. I needed a laptop for school asap before I started because I work two jobs and cant make it to the library on time to use a computer there. What am I supposed to do?

Flunk because some opinionated *** wants to tell me I should pass on internet enabled things. No. I'm going to do what I can to get one to better my life for my family. You're a bitter bitter 50 year old.

You're what's wrong this world treating people like this. You ungrateful. Rude.

*** Take a look in the mirror before you go making judgements about people.. ***

Guest
reply icon Replying to comment of Guest-1607556

GTFOH.... This person is a thief planning on getting over on a business.

They're weighing the risk versus reward of not paying(AKA stealing @#$#). People who want to better themselves should do so at their own expense rather than go into some survival of the fittest rant as you just did. What you're supposed to do is pay your own way or wait until you can. Let's say I want to better myself and get a laptop but can't afford it right now, is it fair for me to come steal your @#$# because I need it?

You're what's wrong with this country. Entitled to the point where you believe it's OK to steal and cause these people to spread the expense onto other renters.

Now you see why places like this call the minute a note is due and won't "work with you." It's because of thieves and entitled people like you. Pay your own way or wait until you can afford something like the rest of us.

Guest
reply icon Replying to comment of Guest-1606265

Very well said.

Guest
reply icon Replying to comment of Guest-1606265

Wow... totally unnecessary

Guest
reply icon Replying to comment of Guest-1606265

Rent a center doesnโ€™t help your credit

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