Complaint Review: 123 layaway - Internet

Once again I was promised that my refund would be sent. Only to find out that Mr. Perry has left the company, I received an email from someone that was supposed to be a representative of the company and was told that Mr. Perry would pay me out of his own pocket. I also was told that my payment would be sent out January 1, 2012, well it is now January 8. No payment or no contact from Mr. Perry regarding my refund. The way this looks to me another company will get started later this year to dupe more people, then close shop when exposed. I wish the BBB had better tracking on individuals. Earlier in one of the statements Mr. Perry spoke about acting out of anger, but anyone would get frustrated if things were promised and not delivered. As a consumer we put trust in places where we purchase things to be honorable. And when you follow the rules and get the run around it can get real frustrated.

Thank you Mr. Perry for the promptness in addressing my concern. There was miscommunication on both of our parts. I am happy with the results of our correspondence.

contact bbb about your complaint and give them your address so they can give it to me and we can get your money out to you.  We just want to get your refund out to you. btw you of just tryed to contact us through bbb.org again instead of putting a nasty comment on here but we understand that you did it out of anger

Mr. Perry how can I contact you? Is there an email address, phone number, or website?

Thank you.

Mr Edgar
We need your address to send out a refund.  Please contact us and you will get your refund

I too was ripped off by 123 layaway and Stacy Perry. I went through the Cincinati BBB and Mr. Perry and I agreed that I show proof of my payments to him which I did, I had copies of all of my money orders and the invoices that he emailed to me every two weeks. He said that he wanted to run a tracer on my money orders and he would refund my money or give me a copy of the tracer report by december 1, 2011 (neither was done). There are many more people that were misled by this
company, do not fall for this scam!!! 

I too was ripped off by 123 layaway and Stacy Perry. I went through the Cincinati BBB and Mr. Perry and I agreed that I show proof of my payments to him which I did, I had copies of all of my money orders and the invoices that he emailed to me every two weeks. He said that he wanted to run a tracer on my money orders and he would refund my money or give me a copy of the tracer report by december 1, 2011 (neither was done). There are many more people that were misled by this
company, do not fall for this scam!!! 

Hello
This is Stacy again
U.S. Constitution - Amendment 1
Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.

Let me remind you:
Define Libel:
Verb:Defame (someone) by publishing a libel.
Noun:A published false statement that is damaging to a person's reputation; a written defamation.

Define Written Defamation

Defamationalso called calumny, vilification, traducement, slander (for transitory statements), and libel (for written, broadcast, or otherwise published words)is the communication of a statement that makes a claim, expressly stated or implied to be factual, that may give an individual, business, product, group, government, or nation a negative image. It is usually a requirement that this claim be false and that the publication is communicated to someone other than the person defamed (the claimant).[1]In common law jurisdictions, slander refers to a malicious, false,[2][not specific enough to verify] and defamatory spoken statement or report, while libel refers to any other form of communication such as written words or images.[3] Most jurisdictions allow legal actions, civil and/or criminal, to deter various kinds of defamation and retaliate against groundless criticism. Related to defamation is public disclosure of private facts, which arises where one person reveals information that is not of public concern, and the release of which would offend a reasonable person. "Unlike [with] libel, truth is not a defense for invasion of privacy."[4][not verified in body]False light laws are "intended primarily to protect the plaintiff's mental or emotional well-being."[5] If a publication of information is false, then a tort of defamation might have occurred. If that communication is not technically false but is still misleading, then a tort of false light might have occurred.[5]In most civil law jurisdictions, defamation is dealt with as a crime rather than a tort.[6]A person who harms another's reputation may be referred to as a famacide, defamer, or slanderer. The Latin phrase famosus libellus means a libelous writing.

As far as the the comment by flynrider

I was just making a point that anyone making a false report will be taken to court to the highest part of the law.  So before going and writting things I would consult a attorney

I am not a attorney or a judge so I can not tell you if its criminal offense.

We will not be making any other rebuttals to any of screechpossum comments we will let a court of law decide.  If you have your attorneys information please display it on here. 

We have nothing personal against you.  We are sorry that you do have something personal against 123 layaway and its owner or employee.  Someone 2 years asked me why we have so much security going into our place or business and going out.  My comments was we need to keep our employees safe.  From upset customers.  I think this is perfect example. 

This website was designed to protect customers not slander businesses

See you in court screechpossum

"I do want to advise anyone that has or will be making false reports on this website or any other website will face criminal and civil charges.  "

    OK, I'll bite.    Under what circumstances could someone posting a false report be charged with a criminal offense? 

p.s. i do have proof of purchase from the PREPAID DEBIT CARD company i used on your site that shows where i paid you and you never refunded any money you owed me. they are sending it via usps and i will gladly provide it to your "attorney." i hope he has better grammatical and spelling abilities than you do and can read. it really angers me that you say i stated i "overdrafted my acct etc" which i obviously did not since it is prepaid and that isnt possible. also, even if i had an acct i overdrafted, i would still be able to obtain acct statements to prove i paid your company. you are being ignorant in saying everyone complaining about your company, which ripped ppl off, will be sued. try it. as i stated, the 1st amendment protects us and our right to speak freely and tell others about what happened to us and if your company had a hand in that, then maybe you should rethink how you do business. your company also closed because you went bankrupt. you told me on the BBB site that you went bankrupt and to contact your attorney and never provided your attorney information. also, there is no way i am being a "craigslist" scam since our business wasnt conducted on craigslist and i owe you nothing, it is you and your company running the scam that ripped me off. i have said nothing false about 123 layaway, layaway express, or stacy perry. though, stacy perry has made a false comment about me concerning my bank account and why i wasnt using the acct and wanted a money order as a refund. NUMBER ONE, the acct is open and not being used because prepaid debit card accts charge high fees, NUMBER TWO i want a money order or cashiers check as a refund because i do not feel i should have to provide a debit card or banking information to a site or a person who has already committed a fraudulent act by taking my money and not refunding it (and by  not sending my merchandise either) which makes perfect sense to me and i am sure it would to many other consumers trying to avoid being ripped off. i am doing nothing fraudulent and its funny that you say you dont have me in your system as a paying customer since i had a completed layaway, and 2 others started and plenty of emails with receipts and responses from your company when i had questions until you suddenly closed down. you never sent a letter to me stating you were closing-and im sure you probably didnt contact anyone else either from the way it sounds. i will definitely have proof of payments from my greendot prepaid debit card company to show you and any judge or attorney, also i will be obtaining every email sent to and received from your company from my internet provider to also show as proof that i was a paying customer, your company knew it and corresponded with me and to show some of the payment receipts also, which i really dont need since i will have proof from my debit card statements. i was going to just let it go and be frustrated with the whole thing because it really seemed more trouble that it was worth...but since you say you dont have me as a customer in your system but somehow had my email info to telemarket me online,shows me that you obviously have my information and you are lying to try to cover your indiscretions. lying isnt going to make you look any more professional or any less shady for your actions. i am sure i can get an attorney to take the case so i can take you to court for internet fraud...which is probably what the whole situation would be considered since you had a company that knowingly took my money and didnt produce product nor provide a service and then would not refund the money...and then you went out of business and had no way to be contacted. as i said, i received no letter letting me know anything. if you can prove you sent one and it was possibly lost in the mail, fine...but im sure you cant. so take me to court, because you have already threatened my legal 1st amendment rights, and you have already lied on this site and said i claimed something i did not claim, which i can provide proof of by printing the BBB conversations from the website-so you tell me who has a case. you own me over $600 and you are trying to make me look like the bad guy by saying im trying to commit fraud because i want a money order or cashiers check for my refund (which i never would have received anyhow) instead of coughing up my debit card or banking info to a person/company that has already proven to be a scam! give me a break. why dont i just give you my social security # and you can have my identity too? seriously. this is definitely worth pursuing now, im my opinion. i will have every email, correspondence and proof of payment ready to go, i promise. the fact that i made biweekly payments of over $600 to your company and have the acct open that i used to pay you with (but just dont use it now bcus of the fees they charge for transactions) will be proof enough of my purchase and payments...and that you didnt refund my money. your site shut down in February and my debit card acct was open then and still is active, just not used. i just spoke with them today and theyre sending my statements from NOV 2010 when i made my initial payment to your company up til this month. see you in court, fraud. i am also sure other consumers are glad there are people who post such warnings so they can be alerted and save themselves the money and grief over a situation like this. i am sorry i fell for the scam, but i am now definitely doing something about it. people like you should not be allowed to take advantage of someone and steal their money. it isnt legal and me posting to warn others is legal. i have made no false claim, which will be proven in court. you, being a liar, obviously have made a false claim against me by trying to accuse me of fraud and cragslist schemes when it is  you who owes me money! dishonesty isnt going to make you right in this situation. no matter what, you ripped me off-whether i provided a receipt to the BBB doesnt matter because i have proof and it will be better to provide it in court to a judge who will tell you my rights under the 1st amendment allow me to tell ppl what happened and warn them on a site specifically designed for such incidents. you will also find that taking money from ppl and not providing the said service or product they paid for is illegal. you can claim im the fraud all you want or that i was trying to scam you etc, because i have proof that says otherwise and it is you, stacy perry, who stole my money and never refunded it...not me who stole from you. 

i am the customer you claim you did not have in your system as a "paying customer"  but somehow you still had my email info on your mailing list to send me your junk ads. convenient. i never claimed in the BBB conversations at all that i couldnt provide bank info to prove i paid your company. i told you i no longer used the acct because when shopping online we use a PREPAID DEBIT CARD and that is what the acct was that i was using to pay your company my layaway payments. we do not use our real banking acct because of the high risk of internet fraud and a prepaid card allows someone to make sure they are only spending the money they add to the card as a preset amount. there is no possible way to overdraft a prepaid acct and i never stated that is why i closed the acct. lying is definitely not something a professional who owns a company should get into the habit of doing. the prepaid card companies do not send statements like a banking institution does, as they are not a bank and they are not monitoring transactions the way a bank does. they are just allowing you to add money for a fee to a card acct and use it accordingly. if i called them, i am sure they could send me something to prove i paid your company and that ive never OVERDRAFTED the acct because that isnt possible...it was closed because i no longer used it-its only use was for paying on the layaway through your company and a few other things at the time online. prepaid cards charge quite a bit in fees monthly and per transaction, so it wasnt really worth it to continue using it and i have a different acct i use especially for internet transactions instead. not that it is any of your business, but for you to get on here and type blatant LIES when i can obviously go to the BBB site and post every piece of the conversation we had from that site to this one so ppl can see i never made the statements you claim i made, makes you ignorant. i can just as easily have my attorney charge you with slander for making such comments that are false when i have proof otherwise. you do not have proof of anything i did or didnt do, because you claim that i wasnt a paying customer. its nice that you get rid of evidence to cover your own a*s, but i was a paying customer. i paid off a layaway that was over $600 and actually had 2 new ones i was opening up and paid the initial payments on because i thought your company was legit and you were sending me my items (which  you never even purchased to begin with as you claimed you did) and when i never got them and no one would contact me, i realized i had been duped. your company also never sent a letter to my address. so when you stated you mailed a letter to all customers if you couldnt contact them via telephone, that too is a lie because i check my  mail and never received anything from you. i actually only received a mailed receipt once from your company after making my initial layaway payment and then the receipts ceased to come but i assumed it was ok because many companies have only online statements and receipts because they are all "going green"  it didnt bother me not to have to keep track of a paper receipt monthly because the info was on the computer screen on my acct w/ the company. i didnt make the $600 transaction at once, obviously, so your childish comment about "throwing away a receipt for $600" is incorrect. the payments were made over a 3 month period and usually the amounts were paid biweekly per our pay dates. as i said, i didnt have paper copies of the transactions but they were online on the site, so i could see where they were being credited, etc. and then the website disappeared and no one gave any warning about it. the site falsely stated they were under new ownership and taking money orders only and the phones were being worked on, etc etc and then all of a sudden...NOTHING. it was gone and the numbers were never reconnected. i have said nothing on this site that is untrue and i would be glad to contact greendot, the provider of the prepaid card i used on your scam of a site to pay my payments to take the proof to court. i will gladly show up to court, because i am protected by the 1st amendment and can warn other consumers as much as i want to BEWARE a potential scam. that is what this site and others like it are for. DUH. and also, the lies you stated in your report actually are a type of slander because they arent true, i never said what you claim i did, and i can prove i didnt, so you might want to think before you type. i never once said i closed my acct because i overdrafted it many times. thats f**king ridiculous. it was prepaid, as i said, and if you research any prepaid card company-one of the main things it will say is: NO OVERDRAFTS. you seriously make me laugh out loud. so when you typed about me overdrafting, etc and claimed that is the reason i gave you for not sending you the statements...thats a flat out lie, and SLANDER. i will go to BBB and post the conversations on here for everyone to read...and you claimed your company went bankrupt....and here you are, with a  new company trying again to rip ppl off and it isnt fair. i want other consumers to beware and know that your premise behind  your company is too good to be true and not to fall for it. that is my right as an american. freedom of speech. freedom of press. i can have this put on the news if i want. i was a  journalism student. FREEDOM. its called the 1st amendment and AMERICA. so take me to court. i will gladly provide proof of payment from the site you ran and used to rip me off. i will have an attorney acquire the proof for me if i have to. i will also bring the BBB letters to show them that i never claimed anything about my bank acct because i was not even using a bank acct in the first place to pay your company for my payments. it was a prepaid debit card. but i will show this proof also, and prove you lied about my statement, as i have never made a false claim against your company. also, why would the old site say "under new ownership, etc" if the same "stacy perry" owns it? that, in itself, sounds fraudulent. i have never made a fraudulent transaction on the internet or ripped anyone off. i am also only trying to warn others of your shady operation. if your other company went bankrupt and out of business and no one got their merchandise or money, ppl should know that there is always the chance the new company will pull the same stunt. you might have a good idea with the whole layaway thing, but ripping ppl off isnt the way to bring such an idea into fruition. if i were you, i would make sure i even had a case before i started trying to threaten ppl. that is illegal. i have the email from today your company sent when i requested my email address be removed from the mailing list. i said it was convenient that you still had my email info but claim im not a customer...and the person who responded proceeded to threaten me and say i would be taken to court and garnished and have leins put on my property...which is a false threat-you cannot send threatening letters via email and tell someone this or that will happen when you are not an attorney and you have no concrete proof to back up the accusations. i can actually contact my attorney and see what case i could make against your company for those threats, because that is illegal. i stated that i had reported to the BBB, attorney general and ripoff reports.com and that was true, legal and in the realm of what any citizen who was ripped off might do. petty empty threats via email are not legal, and posting lies on this site when i have proof they are lies...isnt legal either. read up on the laws. many companies have been sued for threatening customers. many debt collection agencies have tried the "strong arm" threatening approach w/ consumers and they too have been sued. look it up. THREATS like that about garnishments and leins are ILLEGAL. i do hope you take us to court. we will be there with bells on, to show proof of payments made and never refunded by your company and i will show the BBB reports and the fact that you claim i said things i never even said in them...and i will also show all of the emails i have from your company and employees dating back to when i 1st made an initial payment for the layaway i paid off that you claim i never even had since i wasnt in your system as a "paying customer"   i have emails that even say your company purchased my items-because i emailed to make sure since i knew they were almost sold out on the site they were from. and your employees responded that they had been purchased, but its convenient that once they were all paid off, the items never shipped to me...so do what you must. you are obviously uneducated ( i can tell this from your improper grammar and the fact that you cant spell or use the correct version of the word "there" on your website) and you are not well versed on the laws or the 1st amendment, and that you are ignorant to the fact that you cannot send threatening emails (illegal) just because your company ripped me off and you are pissed that i made it public. if your company had actually handled things in a professional and mature way, im sure ppl would not complain. so as i said, i will have my attorney get copies of the payment statements, and contact my email provider for every email from to and from 123 layaway that has even been sent or received on our acct and i will bring the BBB reports...and we will see who has a case. 

Hello Dear Customers

My name is Stacy Perry I use to own a company called 123 layaway.  It had a A- rating with BBB.org. The idea behind my business was for the customer to pick out the item from my layaway mall or any retail store and we would purchase the item and store it and when its paid off 123 layaway would mail the product off to the customer.  It was a much needed service and still is.  Our customers could pay weekly, Biweekly, Monthly we relized that many customers get paid different times of month.  Yes we did have a warehouse and many storage bins laid across the USA for easy shipping.  We were in Business since 2006 and not one customer complaint until 2011.  The bbb.org has record of 8 complaints on my company and all was resolved this year.  This customer could not show a vaild invoice for proof of purchase.  At the time 123 layaway only charges $25.00 layaway and shipping charges except for christmas then we have no extra fees 0.00 layaway charge and 0.00 shipping.  I and my company did take pride in the customer service that we provided and we would contact them back if we missed there call or there called dropped and we would respond to emails with 48 hours except around christmas season. The website closed in 02/07/2011 and the company closed.  In 2010 was the first year we accepted credit cards and we had customers that tryed to do fraud chargebacks on our company so a company policy was if the customer did not have a invoice of purchase the customer would not recieve any funds. And We would challenge the chargeback with our processor.  After 02/07/2011 a letter went out to every customer that was not contacted by phone because there number was changed or disconnected.  We could not reach this customer because there number did not work.  The letter stated that we were going out of business and to recieve a full refund of there purchase the customer would need to show proof of purchase. Such as a invoice or a bank reciept with the bank logo on it.  per company policy.  Company policy is in place to protect the merchant and customer.  No letter was ever sent to us by this customer.  Our address stayed on file with bbb.org.  The bbb.org was then contacted by this customer and a complaint was made. If anyone has got a complaint from bbb they do there complaints electronicly and since my website was closed the email was as well.  That is the reason bbb.org had trouble contacting me.  I am very sorry about that.  I am very sorry that the customer thought I was rude I stated what the federal laws and state laws were about refunding any money back to a credit card.  I told the customer if she or he could get a bank letter head receipt stating that 123 layaway took out and did not refund them then 123 layaway would follow the law and return the money back to the account in which she used.  I don't think thats rude I think thats business minded and protecting the company and customer.  As we talked via bbb.org the customer said that she needed a money order or cashier check mailed to her because she closed her account because she overdrafted it many times and she owes the bank funds. As the customer stated she does not have proof of purchase. Who throws away 600.00 receipt and then ask for a cashier check instead of getting a refund the same way the customer saids they paid.  Sounded like a craigslist fraud job to me.  ALERT!!ALERT!!  Again this is what the company policy is suppose to prevent customers from frauding 123 layaway.  The bbb.org did not close the case until Oct 2011 because the customer did not have evidence to back up her claim.  123 layaway was cleared of her complaint.  All invoices are mailed to the customer after a payment is made. The payment is dated and timed when it is put in the system. And when the information is saved a invoice is emailed to the customer automactic so the payment information was on the system and email to the customers.  This customer was not in the system as a paying customer.  The bbb.org has been in contact with us for most of the year.  And has cleared every complaint 123 layaway had in 2011 because 2011 was the only year it had a complaint.  123 layaway was a company designed to give everyone a payment option to buy product that they could not afford in cash.  Customers are not able to receive credit anymore but they still have the amercian dream to own a flat screen or 20 inch rims on there car.  Customers can't afford to go to a rent store and pay double the value of the product.  Yes there is one thing I am guilty of and thats giving the world the layaway option back to amercia.  Yes its a wonderful program to be interest free.  As I was reading this complaint I wonder how a person could call a company fraud when they don't have proof of purchase.  Would you walk up to the counter of walmart and say I like my money back but I don't have receipt.  No you would not.  Your complaint sounds personal against me the owner Stacy Perry because I made the decision to follow company policy and please I will never not follow company policy and anyone working for me caught not following company policy will be terminated right away.  I don't know if your old employee that got terminated or a customer that didn't get there way or a person that tryed fraud on us but if you are take it to craigslist.  We didn't just cut the phone lines and website we sent a letter stating we were closing and we closed.  To the rest of the loyal customers out there. I have opened another website and company called Layaway Express, LLC.  same concept as you can see we have customer service number and website.  http://www.bbb.org/west-florida/business-reviews/payment-processors/layaway-express-in-tampa-fl-90100619 is the bbb.org on layaway express and http://www.bbb.org/cincinnati/business-reviews/financing/123-layaway-in-cincinnati-oh-90003464/ 

the file on 123 layaway.  bbb number is 513-421-3015  We advise for any customer to contact them before ordering we have nothing to hide.



I do want to advise anyone that has or will be making false reports on this website or any other website will face criminal and civil charges.  We do plan to prosecute anyone making these reports and you will be liable for any damages done to my name Stacy Perry and 123 layaway or Layaway Express.  This is company policy.  If you have made a complaint this website does keep track of the complaint and you will want to contact your attorney because mine will be contacting you shortly.

I was searching online and just found that 123layaway.com, the company that ripped me and most likely many other unsuspecting customers with their website scam, has a new website that is up and running called LAYAWAYEXPRESS.com  they claim the same things as their 123layaway site claimed, that they purchase your items right away no matter what site you want them from and store them in a warehouse facility and once you pay them off, they are shipped to you within 3-5 days-which is crap. this company took my $600 and sent me no merchandise and once faced w/accusations from the better business bureau finally responded to my complaints to tell me they had gone bankrupt and i pretty much was out of luck when it came to my refund. i dont see how it should be legal for 123layaway to screw so many people out of their money, and then turn around and re-open a new company under the same premise to scam everyone all over again. stacy perry is still listed on the site as being an owner...and they still have the same illiterate employees posting information about the company on the site with many unprofessional misspellings and grammatical errors...and i dont really think a legitimate company would really want to have a website that reads like a 4 year old posted the information.  they are not BBB accredited and shouldnt be, even if they do have a new company name. 123layaway was a scam from day one, taking my money and acting like they had my items and that i would receive them once i made my final payment...and $600 later, there i was with none of the merchandise i put on layaway with their company, no way to contact them because the phones were disconnected and the email accounts were bouncing my emails back to me, unread because the mailbox was full or the account no longer existed...and the customer service link to message them was also out of service-then the website disappeared...and im out $600, no refund in sight, yet this rip-off company re-opens and starts up the same scam so innocent consumers can "layaway their christmas gifts now and have them in time for the holidays" dont fall for the scam! this company needs to be stopped and put out of business for good since they seem to think its okay to screw people over.