I am all fired up this weekend over this article about USA Discounters and how they are fleecing military members.
Apparently, military members are automatically approved for credit to purchase all sorts of items in the store. If and when the service member defaults, USA Discounter sues them in the state of Virginia per their contract.
Military members are crying foul because USA Discounters has found a loophole in the Servicemembers Civil Relief Act (SCRA) that says plaintiffs can sue, but SCRA doesn’t state a location for the legal action to take place. Consequently, USA Discounters is suing military members in the company’s home state, even if the service member is out of state. And to add insult to injury, they are winning judgments.
Here’s the part where I won’t make many friends:
Too stinking bad.
If you are old enough and wise enough to sign a contract to put your life on the line in the military then I am thinking you can navigate a rent-to-own or loan contract.
And let’s just say, for giggles, the legalese is more than you can handle, then you have 2 FREE services available to you on a military installation. You have JAG (for the civilians reading this is the Judge Advocate General…the lawyers) or Fianancial Readiness. Either one of those FREE establishments is more than happy to help you navigate the wording.
The Financial Readiness office will even do one better. They will sit you down and go over your budget and the pros and cons to what you intend to do. (I can’t speak to what JAG does short of reading the contract because I am not affiliated.
The above referenced article is about the indignation of a SPC and his wife who are being sued by USA Discounter. Apparently they went in to purchase a washer and dryer, but left with a computer, a TV, a ring, and the washer and dryer.
Seriously? What the heck? A ring?? Who NEEDS a ring? For that matter, who NEEDS a TV or a washer and dryer?? I know, what an inconvenience to go to the laundry mat, huh?
The thing that gets me the most is the sense of entitlement of anyone, not just our service members, who feels they don’t need to pay their debt. Businesses have NEVER been about philanthropy. They are trying to make money.
And when you take a company’s product you are expected to pay for it. I get there are extenuating circumstances to lots of different scenarios, but I am speaking to this one. Military members have FREE services on their installations (I think I might have mentioned this already) so there really is no excuse to claim ignorance.
I’m siding with USA Discounters on this one.