Payless Repair Bills

On April 2, 2024, I signed up with Payless Repair Bills and paid $195.00. Later that day, I called and left a message on Payless's number, 844-409-****, to cancel my account.

Instead of receiving a callback, I received Your Auto Protection Policy booklet in the mail. Then, Mepco withdrew $147.74 from my account. On May 6th and 7th, I made several calls to both Payless and Mepco trying to cancel the account. I experienced another Mepco withdrawal from my account for $147.74 later in May.

I called both Payless and Mepco on May 31st to no avail. I sent an email to info@***.com explaining all this, but the email bounced back as undeliverable. On July 30th, $149.00 was withdrawn from my account by Payless, which should never have happened because Mepco was handling their billing. My bank, Navy Federal Credit Union, has recovered two payments made to Mepco for $147.74 so far.

I recently received yet another withdrawal from Mepco and called them. They said they couldn't cancel it, and that Payless had to. There are many different companies mentioned, which is interesting. Payless Repair Bills is the main name while Mepco deals with the monthly billings.

Royal Administration Series, Inc. is the administrator, and the Payment Plan Provider is Sing for Service, LLC. So, who exactly is the responsible party? I cancelled my debit card so no more funds will be withdrawn by Payless or Mepco.

Payless states in their booklet that a full 100% refund is due if the contract is canceled within 30 days, which I have attempted as demonstrated.

There have been no claims, so the $195.00 downpayment and the $149.00 withdrawn on July 30th should be fully refunded to me for a total of $344.00. I believe the company is a scam.

Run, Run, Run!Attached you will find two (2) photos of my cell phone calls.

One showing that I called on April 02, 2024, the same day that I signed up for Payless Repair Bills coverage and paid $195.00.

I left a message for a call back and said that wanted to cancel my policy.

The second call was on May 31, 2024, after I discovered that my policy had not been canceled because $147.75 was deducted

from my account on May 28, 2024. I left a message that I thought my policy had been canceled on April 02 and to return my call.

Neither call received a call back.

I canceled my policy within 24 hrs.

of signing up.

I should get a full refund. At this point it is $195.00 + $147.75 = $342.75.

When can I expect a full refund?

The salesman misrepresented to me that OEM parts would be used in repairs when selling me the extended warranty products for my two vehicles. After reviewing the contracts I realized this would not be the case.

Additionally, the contract listed all the reasons they would not cover repairs, which included "heat" as a source for the failure. I sent letters to EFG, the administrator, and to Payless Auto Repair. The letter to EFG was delivered and the policies were cancelled within the 30-day review period, but the letter to Payless was returned for insufficient address, though it was addressed as indicated in the contract. I called Payless and was told I needed to add "Suite 122" to the address.

I sent that letter back through and a second letter to indicate same. Both letters were again returned for insufficient address. A Payless customer service representative told me they would not refund the money for the first month's payment charged by MEPCO to me without a written notice. I've disputed the charges with my credit card company.

Also, they charged me a service fee of $49 for each contract which they say is not refundable.

By the way, that money charged against my credit card account by MEPCO was within the 30-day review period. My advice, stay clear of these uninvited car warranty solicitors.

I called to cancel in Sept of 2021. They admit to having received my call.

I sent in a form to cancel because they said they have to have proof my vehicle was destroyed from the insurance company. 4 months later they are still charging me. ( I would have acted sooner but was recovering from the accident and not in the best shape to deal with things) I have never filed a claim, just wanted to cancel policy, of which I was told I would get a prorated return, when I was signing up for service, if I ever did cancel. I ask for another form to mail in and today it was returned, after 4 months, with the postal sticker saying undeliverable and no forwarding address on file.

The last call I made to them, they said they did not do refunds, even though they admitted to knowing my pickup was totalled in Sept of 2021.

Also, even though I had proof and was including such from State Farm. "We dont do business that way" is the exact quote from the man i spoke with on the phone.

They charged me over $600 after they new it was totalled, tell me they wont refund any payments they charged me, say they never received my first form letter cancelling policy and then move and dont have a forward to get the second form that was addressed to the location on the form.

If this is first rate fraud, I dont know what is.