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Review 3/23/2010
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THIS IS THE WORST INSURANCE AGENCY, VERY SNEAKY AND NOT PROFESSIONAL AT ALL. First of all they do everything by phone, which at the beginning I had no problem, then they fax you the insurance card which I never got on the mail, my name was misspelled on the card and you have to sign the papers they send you by mail and mail it back. After making my payment over the phone, they call later to tell me that some ticket had come up on my record and they charged me an additional amount which at the time I thought it was no big deal. The renewal period came around, I gave them my card info over the phone and when I checked my bank online activity later in the day, they ran the transactions for MORE THAN THE ORIGINAL PRICE. I called back and kept getting the receptionist and it was almost end of day until I told the receptionist if they were charging me more I would cancel this and would look for insurance elsewhere. The agent contacted me soon after and told me they had made a mistake and would mail me the check for the difference. I told them I wanted my money back immediately because I had my budget and was depending on it and could not wait for a check on the mail, the agent said then you have to come in person to sign the cancellation. I asked her if she could not fax it and I will sign it and send it back and they refused which I thought it was ridiculous since we had conducted everything else through phone, fax and mail and not in person and now they would require me to go in person. I told them my bank had been contacted and that this was an unauthorized charge. I went in person the next day and they had a lot of customers already. The place looked a mess, with piles of papers and file folders on every desk; they were not organized at all which was a confirmation that I didn’t want to do business with these people. The agent then gave me some papers to sign. When I looked at the form, they wanted me to sign the policy papers which say you agree to the terms and accept the policy. I told the agent I was not signing that and that I thought I was signing a document to cancel my payment. They insisted that if I didn’t sign then they could not return my money. I told them I was not signing anything because I did not want the policy and wanted my money back. The agent looked at another woman to tell her that I didn’t want to sign and the other lady said I had to in order to process it and then they could do the cancellation. It made no sense, if they didn’t have my written authorization, signature, how can they process my payment and say they can’t refund me. The other agent then looked at the others in the office and said “this is why we can’t do favors to anyone”..I had not idea they were doing me any “favors” by charging me more than what was agreed and then giving me a hard time for my full refund. The other agent said “then you must go because you have no insurance with us”, all these while the charge was still pending in my account. I am sure if they are smart they won’t process that charge otherwise they will be using my credit card information to make an unauthorized charge. My bank is pending to see if it post or if it will fall out. If it posts my bank already knows this is a faulty company who is not authorize to charge me anything because I never signed anything with them and my bank will file a suit dispute against Eguino & Associates. They were putting pressure to see if I would fall for it and sign the papers that I was accepting the policy. I hope that they do not run the charge through because I have the best bank and I am a bank employee and they will be in big trouble. Anyhow, what was the worst is the way they did business, I am positive I will not be scammed unless they want to be suit, but just their RUDE attitude and IN FRONT OF OTHER CUSTOMERS, being sneaky about additional charges just did not work for me. BEWARE of this type of agencies who are only after people’s money, especially after those who don’t follow through and are so naïve and believe everything these people tell them. I purchased insurance with a reputable company which at the beginning I thought would be too expensive and their rate was even lower than the quote I got with Eguino & Assoc., I could not believe it. This insurance company won’t pull this nonsense on me.
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