I love getting new prescription glasses but I am not willing to pay hundreds of dollars to be able to see fashionably. So I shop online for my prescription glasses. I have used Coastal.com before but lately I have been hooked on Lookmatic. They have frequent sales on their inventory and I like the types of frame styles they offer. Their frames start at $96 and you can usually find a coupon code to bring down the price. Luckily I put away $700 in my flexible spending account for health related expenses. I am given a prepaid debit card that I use to pay for co-pays and other health related expenses, including prescription glasses. Last week I ordered two pairs of glasses from Lookmatic and thought I would post a review. A reminder that this is not a sponsored post. I am writing a review because I was happy with the customer service, the product and thought if you are in the market for prescription glasses you can check them out yourself. Through March 1st all their frames are $62 each (35% off with free shipping)! Don’t worry if you don’t get a chance to order a pair before then, because they have discounts often enough (every few months). The available frames do change though, so if you have your heart set on a specific pair then go ahead and order sooner rather than later.
I ordered two pairs (1) Caine and (2) Dillon frames, which cost me a total of $86.80 USD since I used a coupon code that I googled online. I used my FSA debit card like I mentioned before. Both frames are tortoise colored and pretty bold. This will be my third pair of frames from Lookmatic. Back in October I ordered a pair of Payton frames and had to return them because I had entered in the wrong prescription details. I got my left and right eye information mixed up, so when I received my glasses I thought something was off after I tried them on. Even though I realized it was my mistake, I was able to return the glasses (via a prepaid free shipping label emailed to me) after emailing customer service and they refunded my money promptly. I ordered another pair with the correct prescription information this time and received my glasses within 4 days. Great customer service, right there. A detail that I did not like is when you receive your order there is no document of your what you ordered. You need to make sure not to delete your online confirmation receipt. You only receive a cardboard box with your glasses inside. I guess this saves trees & paper, but it’s nice to know what exactly is in the box.
I prefer my Dillon frames to my Caine ones in this order because they seem more sturdy. They are more on the square side and fit my face better. Maybe I will take a photo with them on. I am glad I have the Caine frames as a back up for driving though. Below are photos of my unboxing of the (1) Caine and (2) Dillon frames. Feel free to leave a comment below with questions or even the types of frames you picked out.
Payton, Dillon & Caine prescription glasses from Lookmatic website
photo credit: hub spot http://offers.hubspot.com/free-stock-photos
It’s a week later and there is still no resolution as to who I am supposed to pay and how much I have left to pay on my Best Buy account, which is now in collections. After I specifically clarified which number and email address to contact me, my work and my parents numbers were being contacted by some guy named Earl G. (?). Never left a call back number or even a voice mail. Only saying that he is looking for me. I call him back this morning and their office isn’t open at 8:30AM so I wait until 11 to be safe and call the number that I saw on my work phone.
After Earl gives me his schpeil again and I tell him that his company has all my information already because I emailed it to them last week. I remind him that I haven’t heard anything from anyone at my direct line but instead keep getting calls to my parents home and my work number, which they shouldn’t do if they actually want to talk to me. He “deleted” the old numbers they have on file. I told him I don’t really trust that, because that’s what I was told last Friday by a Dan G. and my parents are still being annoyed by Earl. He then tries to negotiate, “offering” that if I pay in one lump sum he will knock down my debt amount to $1885, which he reminds me is 60% of my original balance. No dice. Why? It’s 60% of my original balance because I have been making consecutive monthly payments for the past six months, which is why the balance should be wayy lower than $3100. A deal would be settling a lump sum of $1200, which is 60% of my current balance, which according to my records is $2100. Telling me that 60% of my balance is $1800 is not helpful and only proves that Earl can do basic arithmetic. He reminds me that my account has been accruing interest for 66 days now. I told him the interest rate has never been disclosed to me. Can he tell me what it is? He doesn’t say. He now is confused and needs to talk to his supervisor.
So after being but on hold for a good 12 minutes, he gave me his manager’s email address so I could once again email them my paper trail of what I believe I owe. That email was sent along with a rant of how poorly their internal communication has been and that I cannot pay on an account that I don’t have correct information on. Earl said he would call me back in the afternoon after I send the email. Email is sent with all attachments and copy of the email I sent last Friday. What is this? Groundhog’s Day?
two hours later
Earl calls back. This time to the correct number. He says he received my email and it will be reviewed by their client. He won’t know anything further until Monday. He asks what time I should call on Monday. I say 9:30 AM and he said he doesn’t get into work until 11 AM. Then don’t ask what time is good for me if you can’t accommodate for that time. He will call me back on Monday with any updates and is sorry about the lack of communication. For a company whose job it is to get money from people, Earl and his coworkers are doing a pretty lousy job. So now I am back to waiting another weekend to figure out what is going on. Have you ever had a similar experience? I hope not. I am now going to make a grocery list and find coupons online of things I need to purchase.TGIF. to be continued. . .
Earlier this week I drafted a blog post, which was pretty positive. I had a lot of good news that I wanted to share. Some good news was about my own finances, other news I wanted to share was about my friend Travis’s finances and how he made his final payment to pay off $109,000 of debt. While I was calculating my own numbers for the blog post, I decided to call one of my creditors to get an updated balance account. What I got was a rep saying my account was no longer at that agency and had been recalled. He gave me a phone number to call. I called it and some four more telephone numbers after that. Each company saying that they no longer had my account. My most recent payment was made in January of $250 and apparently my debt was sold in mid December. I finally spoke to someone who actually claimed they had my debt. At this point I wanted to know what my current balance was owed and to what address I could mail my next payment. I was told that my balance was $3k, although I have been making recurring payments since August 2013, that started off with a balance of $2700, so I am not sure how I owe more than what I started with. The numbers they have on file don’t make sense, unless the interest rate they placed was astronomically high. I asked what the interest rate was on the balance. That question was not clearly answered. I asked why the account was moved from one agency to another when I had a payment plan in place. They said debt is bought and sold all the time and that I shouldn’t take it personally. The rep on the phone kept placing me on hold and eventually handed my call to his supervisor. Neither gave me much information, but I was able to have them send me an email with their address and the amount owed. I am still not in agreement with the amount owed, so I will have to get in touch with them again to make sure we are on the same page before I make another payment.
Update: I called them to follow up and the debt collection agency a) didn’t check their email to even see that I had contacted them b) had no idea what to do with my dispute and said they would get back to me c) have not yet responded as to what amount I actually owe.
At this point I am trying to weigh my options. I have considered consolidating my last two debt accounts (both are in collections) into one personal loan with my credit union. I just paid off one large debt and making monthly payments to a reputable credit union was helpful, less stressful and kept me on track. I would have to weigh out what the interest would be on a particular loan. I would be asking for $4900 total. That’s the remaining debt I have according to my records. Foremost, I need to get the correct balance amount of my remaining debt before taking out any more loans or coming up with a plan. As the saying goes, I am soo close ( to being debt free) and yet still so far.
What do you think? Should I get these collections people off my back once and for all and just work with credit unions or a debt management company? It would be so good to be debt free in 2014!
Posted on February 13, 2014
Thoughts By Sofia
in Debt, Money, spending
It’s the first week of February and I am finally feeling like I am getting the hang of 2014. I have stopped writing 2013 when dating things at work and writing checks (yes I write checks), so that’s a start. Here are a few more things I have accomplished.
- Filed my taxes.
- Made huge progress in cleaning up my office space
- Actually did my laundry and now I can see my bathroom floor
- Bought tickets for #FinCon and this year Matlock is joining me!
- I completed entering all my coursework for another application
- Asked for references for application
- Back in January I made the last payment on a debt account! This account was for the two Bank of America cards I consolidated into a debt consolidation account. It started out as a total of $5178.78 and now it is ZERO! One debt down, two more to go! This was such a boost for me! A great way to start off the year! After confirming that the debt had been paid in full, now I have to wait 45 days to check my credit report and make sure it correctly states that it is paid. I have to focus on my last two debt accounts now!
Tonight I am starting the Blogger Coaching Class that I won in a contest last week. It was one of those things, where I signed up for the contest and then forgot about it. All of a sudden last Thursday I see this in my Facebook feed
and then I saw an email with the subject line:
You won the BHB Coaching Class registration giveaway!
With it being the first day of registration for FinCon it’s the perfect way to jump start my momentum with blogging. Let’s hope I can be consistent, that’s my major struggle.
Posted on February 4, 2014
Thoughts By Sofia