My experience with Household Retail Service, involves a fraudulent furnace company called "Climate Control." They set-up a York account, for the furnace, this was in 1995. Each month, I found myself being charged more and more money because of late fees.

They charged me for every day that my account went past the due date, at a rate of five dollars a day. I went from paying $50.00 a month to $217.54 by the year 2000. When I became ill with heart problems, and underwent emergency surgery, I couldn't pay them. It was then that the account was turned over to a collection agency, with more money added to the balance.

At the time I quit paying, the balance owed, was $3,500.00, down from the original $4,700.00. By the time I heard from the collection agency, the balance was $7,000.00. I disputed the amount, and didn't hear from anyone again, from April, 2000, until this past September, 2001.

Now, a collection agency called Sherman Aquisition LLC in Atlanta, Georgia, and Stockton, California, are going after me for 0ver $9,000.00, claiming that the cost is due to interest accrued during the time that HRS hadn't contacted me.

When I called them in 2000, they told me not to worry about anything until I heard from them. How can they charge interest on an account when I had virtually no-one to pay until I heard from them?