Fingerhut - Page 2

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16 reviews & complaints.

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Defective Product
Posted by on
VANCLEAVE, MISSISSIPPI -- I ordered this for my wife as a birthday present, not only did it take 3 weeks, but when we received it, we followed the instructions to a tee, it started smoking and smelled like wires burning, now we get the privilege of getting the run around to try to get this matter fixed, try and go online to talk to customer service, you can't find a way, it says contact us but when you click on it it sends you every were but were you need to go. Any suggestions of how to get hold of these people.

The way I work by phone is no good they are not open before I go to work and closed when I get off, I had thought of getting a Fingerhut credit card but having 2nd thoughts, if it's this had to get hold or anyone, kind of regret using them to start with.
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Anonymous on 01/19/2009:
A steam iron for her birthday? Who says romance is dead?
Anonymous on 01/19/2009:
Hmm, ordering from Fingerhut... it was either the steam iron or the cross-word puzzle toilet paper.
CrystalSword on 01/19/2009:
Fingerhut is way over priced and the interest on their stuff is outrageous. I tried to reach them to cancel getting their catalog....what a joke!
Anonymous on 01/19/2009:
Fingerhut has historically sold over-priced, inferior merchandise on 'easy credit'. They target low-income and new families just getting established who are willing to trade product quality for the ability to 'make payments'.
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Truth In Lending Laws-Violations
Posted by on
SAINT CLOUD, MICHIGAN -- This company been and has been in Violation of the Federal Truth in Lending Act. Which states that any company who lends on time payments and charges interest, must state on the product the interest rate, The full price, the amount of payments, which they do not, they only state it on the finance page. Which is now over 24%, and CIT banking is financing them. The F.D.I.C enforces this law.

Basically it comes down to this if you bought anything from them on time, you can cancel the contract, because of illegal violation of not reporting the full interest rates. The Interest rate must be printed under each item they sell advertising time payments. Every and All contracts on time is Voidable, due to Illegality, with the Fingerhut Operation.
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Anonymous on 05/23/2007:
Sorry you were taken by these guys. Fingerhut has been "sticking" it to people for a long time. I can't understand why they have not been fined. There are so many complaints about them everywhere.
Pomona Guy on 05/23/2007:
Are you a lawyer? If not, you shouldn't be giving legal advice.
LAWHEAD on 05/23/2007:
Look up the Act on the Internet! READ IT! Any Judge will find in your favor, if you could ever get the owners to Court. Try to contact Figerhut by Phone, all you get is Robots.

The Federal Truth in Lending Act, Enforced by the F.D.I.C. States that any business that sells products on time payments, must state the interest rates on each of those products. Fingerhut does not do that, in their catolog.

Violating the Truth in Lending Act, can make the sale viodable, leads to fines, and in some cases Jail. It is time a Class action suit, be brought against this Company. Before other companys do the same thing.

Who caused the Federal Truth in lending Act to become Law was SEARS. Sears used to advertise all their big ticket products with just so much a month, they didn't even show the price, and certainly not the interest rates. It was one big Con. They would show 15 dollars a month or 20, but no price or interest rates.

Example how they would sell Sewing machines to mainly Women. They first would set the woman down to a 1200 dollar sewing machine desk, and the lady would ask how much is this, the salesman would say 15 dollars a month, could you afford 15 dollars a month on your SRC (Sears Revoling Charge Card) oh yes I could, Then the salesman would say, would you like to trade in your old sewing machine, we will give you 40 dollars off, she would say yes. Now the desk came with a chair, but if they gave her 40 dollars for the old machine, they would take away the chair. They then would say when did you want delivery, never even asking her to buy the machine. When you go to Sears, they alway have 2 or 3 models, so they can bate and switch you. You certainly don't want the Air Conditioner that has one speed. All I can say is, "Let the Buyer Beware"!
bill on 05/23/2007:
I didn't know the Federal Deposit Insurance Corporation (F.D.I.C.) had the authority to enforce laws.
*Brenda* on 05/23/2007:
MCL 600.916: "A person shall not practice law or engage in the law business, shall not in any manner whatsoever lead others to believe that he or she is authorized to practice law or to engage in the law business, and shall not in any manner whatsoever represent or designate himself or herself as an attorney and counselor, attorney at law, or lawyer, unless the person is regularly licensed and authorized to practice law in this state. A person who violates this section is guilty of contempt of the supreme court and of the circuit court of the county in which the violation occurred, and upon conviction is punishable as provided by law. This section does not apply to a person who is duly licensed and authorized to practice law in another state while temporarily in this state and engaged in a particular matter."

So, ARE YOU A LAWYER Lawhead? Doubt it! I'd quit giving legal advice if I were you before it bites you in the butt. BTW, This is NOT legal advice. :-p
Starlord on 05/23/2007:
We used to be customers of Fingerhut some years ago. we finally got out of their clutches when they stated we had ordered a bunch of camping equipment and then didn't pay for it. I was, for all intents and purposes was an invalid, and there is no way we would have ordered camping equipment. As we knew how hard it is to disprove a negative, we paid the account off. I heard that Fingerhut had gone out of business, and had heard nothing from or about them until just recently, when we began getting catalogs from them aqain. The catalogs go immediately into file 13. We can buy the same stuff as Fingerhut offers for about 1/3 the price at our local Wal-Mart. We don't need Fingerhuts lousy service and usurious rates.
LAWHEAD on 05/23/2007:
Brenda READ IT!

General Information

The Truth in Lending Act and Advertising

The main purpose of the Truth in Lending Act is to assure the meaningful disclosure of consumer credit and lease terms, including those in advertisements, so that consumers can easily compare terms and shop wisely for credit.

Before passage of the Act, an advertiser might have used only the most attractive credit or lease terms, thus distorting the true cost of the credit or lease. For example, an advertisement might have read, "'63 Chevy, only $30 per month." Whether this is a bargain depends upon information missing from the advertisement, such as the downpayment and the number of payments. The ad also omits the annual percentage rate and does not state whether the transaction is a credit sale or a lease. The Act requires that the advertisement tell the whole story.

For example, if an advertisement contains any of a number of terms specified in the Act, then that advertisement must also include certain prescribed disclosures. In other words, the specified terms "trigger" the disclosures. If, on the other hand, the ad does not use "triggering" terms, it need not make the disclosures. The type of transaction you advertise—closed-end credit, open-end credit, or a consumer lease—determines whether a term is a "triggering term" and, if so, what disclosures are required.

If you, as an advertiser, are unclear about what type of plan is being advertised, or about any of the specific terms of the plan — including the annual percentage rate—you may want to contact the creditor directly to obtain this information. This may help ensure that the credit terms you advertise are accurate.

Who Must Comply

If you place an advertisement that promotes "consumer credit" or a "consumer lease" as defined in the Act, you must comply with the law. Thus, advertisers, not just creditors and lessors, must comply, including associations, manufacturers, real estate brokers, builders, and government agencies.

There is no liability under the Act for the media in which advertisements appear. The media can, however, protect their customers by screening advertisements to make sure that they comply with the law.

Oral Rate Disclosures

Certain rules apply only to creditors. If a consumer orally asks you, a creditor, about the cost of credit, you must state the annual percentage rate. For closed-end credit, you also may give a periodic or simple interest rate that is applied to an unpaid balance. For open-end credit, once you state the APR, you also may give the periodic rate.

If you cannot determine the annual percentage rate for the specific closed-end credit that the consumer asks you about, you may disclose instead the annual percentage rate in a sample transaction. You also may give other information that applies to the consumer's specific transaction, such as the contract interest rates and points.

Liability for Violations

If you fail to comply with the advertising requirements of the Act, you may be subject to law enforcement actions. Advertisers of consumer credit and consumer leases under the FTC's jurisdiction are subject to enforcement actions that could result in remedies such as:

Orders issued by the FTC to cease and desist from violating the Act. Subsequent violations of the FTC order may result in a civil penalty of up to $11,000 for each day the violation continues; or,
Injunctions issued by federal district courts against future violations. Violations of court-ordered injunctions may result in civil or criminal contempt proceedings.

If you are under the jurisdiction of a federal regulatory agency other than the FTC, you may wish to consult with that agency to determine your liability for placing a credit or lease advertisement that fails to comply with the law.

In addition, anyone actually harmed by a non-complying consumer lease advertisement may sue you for:

actual damages;
25% of the total amount of monthly payments under the lease (but not less than $100 nor more than $1,000); and
court costs and a reasonable attorney's fee.
*Brenda* on 05/23/2007:
yellowcanary, you have issues. I don't hate customers; I don't even work in retail.

Lawhead, YOU CAN'T POST LEGAL ADVICE WHEN YOU AREN'T A LAWYER. What part of that don't you understand? Furthermore, it is BAD legal advice.
poppapia on 05/24/2007:
The FDIC is one of several federal agencies that are responsible for enforcing monetary regulation; it depends on who is the primary regulator for a specific bank, which may, or may not, be the FDIC. However, an individual can not arbitrarily cancel a contract due to a TIL violation, but can seek legal relief from this obligation, which, in most cases, does not erase the debt, but merely cites and fines the lending institution.
LAWHEAD on 05/24/2007:
This case is now in the hands of the F.D.I.C.
*Brenda* on 05/24/2007:
yellowcanary, you say that to everyone. Plus you are the one calling me a "B*tch" and calling others pricks so I think you need to take a good look in the mirror before calling others rude.
Starlord on 05/25/2007:
Sorry, poppapia. Lawhead, the FDIC, or Federal Deposit Insurance Corporation has nothing at all that I am aware of in enforcing any laws concerning truth in lending. What the FDIC does is to insure monies deposited in bank accounts. The FDIC insures bank asccountsup to $100,000, so that if the bank, for some reason, were to fail, like back in the 30's, the FDIC will replace any monies in accounts up to $100,000. The FDIC couldn't care less about truth in lending or advertising or playing mumbly-peg.
poppapia on 05/25/2007:
starlord, you are wrong. The FDIC does have an enforcement division, which are responsible for financial institutions that have state charters.
breathoffreshair on 06/20/2007:
okay well, this post started with a nasty description of law.
1.) lawhead, brenda is right, your not a lawyer don't post legal stuff.
2.) you interpretation of the law is clearly from a consumer perspective, and not from the perspective of a government with free market.

Fingerhut does not have to plast each page of the catalog with their interest rates. When opening the account you agree to the terms and conditions of the acct.

if they were in violation there would be much larger fish to fry. .

do you walk into macy's and see the interest rate on all merchandise? no.

fact is, Fingerhut credit isn't the only way tto shop, and once you agree to the terms and conditions of the acct that's it. . .it's not like they don't tell you.

so shut up, your annoying.
breathoffreshair on 06/29/2007:
p.s. I got a hold of one of the Fingerhut catalogs. . . after every price and product description is an asterix, the asterix at the bottom of the page then tells you to turn to another page, which starts talking about the terms and conditions, and finished on another page ( also referred). . .so what it looks like to me mr. lawhead, is maybe you should try to get the head first and do the research before you do the legal side of it and finally- don't even come back with making a comment that it is hardto find all that information- you're and I am and we are all the consumers, consumers have responsibilities too. . . not just the business.
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Place an order
Posted by on
They need to hire people that clearly speak and understand the English language as it is spoken in the USA. I had to go through several calls to finally place an order. Now I remember why I don't order very often. If I have to repeat myself several times this is ludicrous and unnecessary I speak often I public so I do think I'm plainly understood.
Why must this company hire people unfamiliar with the English language. We have several unemployed in
this country that would to have work at Christmas
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Anonymous on 11/29/2009:
That would be too much of a salary expense for them.
Ponie on 11/29/2009:
I'm not much for phone orders. Too much can be misunderstood. Letters have similar sounds when spoken. For instance, my first name begins with 'D.' When spelling it over the phone, I usually say: 'D, like in Donald.' I'm sure that's how I got on a mailing list that has been distributed for several years. I get loads of junk mail for 'Mr. Donald XXXXX.'
Doesn't Fingerhut have a website from which you can order? Since you have access to the Internet, why not go that way?
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Crooked and badly sewed Curtains
Posted by on
I purchased curtains along with bedding from them. The curtains were so crooked that there was a foot gap between panels and the top ran down hill. I made a mistake and hemmed them before I actually hung them up. The company refuses to refund any money but will return the curtains. I politely refused and told them it was my fault I hemmed them but no one could ever use them anyway. But they still refuse. So I guess this is a $50 lesson. I will never purchase anything from them again.
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Skye on 08/17/2009:
According to their site, they would of taken the curtains back and issued a refund. You hemmed them, so now why should they take them back after you tampered with them??

Return Policy

We will issue an exchange or refund for most items returned in new condition within 30 days of receipt.

No returns will be accepted after the 30-day home trial period without prior return authorization from Fingerhut. Returns accepted after the 30-day home trial period may result in prorated cash or credit adjustments based on the age and conditions of the product. Returns will not be accepted for credit after 180 days. Other product concerns must be handled under the manufacturer’s warranty.

Shipping and handling charges are non-refundable. Return postage is the responsibility of the customer.

Also, please note:

Music, movies, video games and software must be returned unopened with the factory seal intact. Exchanges
are permitted for identical product only.
Computers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators
must be returned within the 30-day home trial period.
Products sold in sets must be returned as sets; partial returns will not be accepted.
Personalized/customized products may be returned for credit only if they are damaged or defective. Exchanges
are permitted for identical product only.
Gift Cards cannot be returned.
Other restrictions may apply.
Nohandle on 08/17/2009:
Are you serious? There was a 12 inch gap between the panels when you received them? Width wise tells me you needed an additional panel or two per window. Length wise, well they should have been returned immediately.
Eloise on 08/17/2009:
You hemmed them now they're yours!
madconsumer on 08/17/2009:
finger hut is no longer what it once was. it used to be a place to mail order quality products, now it is just hacked goods.

very helpful.
BokiBean on 08/17/2009:
Fingerhut? They were always cheap junk.
CrazyRedHead on 08/18/2009:
I agree with Boki, they were always poor quality, cheap junk.
bounty on 08/31/2009:
finger hut is a rip off
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Phone Calls
Posted by on
GEORGIA -- I have been called by Fingerhut for the past 7 days straight even though I had previously written to them to put me on their do not call list. They called me 5 minutes ago and I told them the very same thing on the phone. Their payment is in the mail and I will never do business with them again. If they call again I am going to the FCC.
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Doc J on 05/19/2006:
Unfortunately, you have an established business relationship with them. Maybe a letter, certified return receipt, demanding that they remove you from their contact database? I hate to see you spend about $4 to do this. But it depends on how much they annoy you. All best.
Anonymous on 05/19/2006:
Slimjim on 05/19/2006:
By saying your payment is in the mail, it sounds like their calling on a past due payment, not soliciting. Do not call lists would not apply here and they can call you once a day.
DORCAS on 05/20/2006:
Are you sure about that Slim? I'm not disagreeing I'm just wondering if maybe it varies by state. But my understanding is that they are only allowed to call you once about a payment and after that it is harassment. Thankfully I haven't had the pleasure. It's worth finding out tho.
Slimjim on 05/20/2006:
DORCAS - I always thought that rule was pretty consistent. Once a day as long as they talk to you or leave a message. It could vary I guess.
mocha1482 on 05/20/2006:
well I told them the last time they called which was 5/19/2006 that their payment was in the mail. I get 3 more calls this morning (all automated messages). Then after that I received another call and I told them the very same thing I had said before. This time a lady was on the phone and I told her that I had spoken with someone previously and let them know what the deal was. I also don't appreciate the call coming in at 7:36 in the morning....
Anonymous on 05/20/2006:
I think you're wrong slim. A do-not-call list is essentially that. (tr)
Slimjim on 05/21/2006:
PirateWithParrot - Couldn't be more wrong pirate. Do not call lists have nothing to do with collecting debts. With your debt experience, we all would have figured you knew that.
Anonymous on 05/22/2006:

Under Provisions of Federal Law, The Fair Debt Collection Practices Act
It is Illegal for Debt Collectors to:
· Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages;
· Call consumers at work when they knew the consumers' employers prohibited such calls;
· Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent;
· Cause the telephone to ring, or engage a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer;
· Threaten to take action -- such as filing a lawsuit -- when they did not intend to do so;
· Call consumers at times or places that they knew or should have known were inconvenient;
· Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original creditor
· Continue to try to collect debts after consumers disputed them in writing, and before verifying the debts.
· Use obscene or profane language
If you are CONTACTED by a Debt Collector:
NEVER give them your banking or credit card information. They will take much more than you authorize.
NEVER do 'checks by phone' as debt collectors could empty your bank account, you have no recourse.
NEVER send them money via Western Union.
REMEMBER: Debt Collectors have NO power and NO authority and should NEVER be trusted. They will lie and cheat you to get at your money. If it’s NOT in writing, it’s NOT a deal.
BEWARE: Paying a debt collector will NOT get an account removed from your credit. They do NOT have that ability.
RECORD conversations with debt collectors (where legal) so they can be held accountable for breaking the law. Is taping legal in your state: Can We Tape
Collection Attorney Complaints can be handled by filing complaints with the various states bar ethics committees. Visit: Your Local State Bar
Is the debt still within your state’s statute for collection? Statute of Limitations
Need Legal Assistance? If you require the assistance of a consumer law professional, Bud recommends you visit: The National Association of Consumer Advocates. (Tell them Bud Hibbs sent you )

mocha1482 on 05/22/2006:
Thank you so much Lidman. They are still calling me up to 5 times a day now with an automated message recorded. Then afterwards a customer service rep will get on the line. I have told them that their payment has been sent. But yetthey keep calling and it is very annoying. I have written to them previously to put my number on their do not call list and I also told them this over the phone. If anyone here needs to check out more information on bill collectors please go to this helpful website:

Please go under the heading "Your Rights"

This is a great website!
Doc J on 05/22/2006:
Lidman-Could you cut and paste your post with regard to FCRA? About 3-10 postings have questions about telemarketers or bill collectors. Your succinct advice could help a bunch of folks out there.
Anonymous on 05/22/2006:
Doc J - I'm not sure if this is what you want but here it is: ( It is 86 pages so I didn't post it. Hope this helps?
Anonymous on 05/22/2006:
Doc J -I found a short version?
Federal law, The Fair Credit Reporting Act, requires that the original creditor must 'Charge-Off' which means, it must act as if your account is non-collectable no later than 180 days from the date of your last payment. This information is then forwarded to the three credit bureaus for insertion into your file. Once there, derogatory entries are allowed to remain for up to seven years from the date of first placement, provided there are no further payments. (If you resume payments, the seven-year clock starts over.) At the point of 'Charge-Off' the account is usually turned over to an outside collection agency and/or law firm that collects debts. The agency/attorney collectors are paid commissions ranging from 15-25% of what they collect. When the agencies get your account, they will sometimes contact you immediately and start making demands for payment and, depending on the varied intelligence level or training of the collector (??), make varied threats, innuendoes, or attempt to intimidate debtors into sending them money. I have never heard of an attorney directly making collection calls, so beware, if you are contacted by anyone claiming to be an attorney. It's illegal under the Fair Debt Collection Practices Act (FDCPA) for anyone to misrepresent himself or herself in the collection of a debt. However, working as a debt collector has never required much intelligence or social skills, so don't be surprised with the level of low life's the industry produces.
Doc J on 05/23/2006:
Thanks Lid. I knew it was extensive. I keep copies of such in my office. Your post will be a very helpful place for those of us on the site wanting to direct people. Your take on collectors is right on. I never use them because they soil me simply by association. I aggressively (but humanely) collect all of my office accounts. Always boils down to "Did you get the service?" "Did you sign the agreement to pay?" Never been ruled against in court. I'm sure it will happen though.
Anonymous on 05/23/2006:
Doc J - Your welcome. "Never been ruled against in court" that is good, I lost one, it's not fun but I'm with you I will never use a C.A.
mocha1482 on 05/24/2006:
Lidman, could you give me advice on what I can due to get them off my back? I lost my job 5 months ago and I am unable to pay the balance of $290.00. They received my last payment, but I am trying to hold on to my savings account. I am still currently unemployed.
Anonymous on 05/24/2006:
mocha1482 - Please, read this and then go to this sight, look under the heading "Drowning in debt?"
There is a lot you can do. Hope this helps.
Far too many people have the wrong idea about consumer debt. It's okay to have and use credit cards as long as you don't allow them to get out of hand and control you, but what choices do you have when that happens to you? When you owe money, there are really only four options available:
1. Pay Your Debt
2. Credit Counseling
3. Bankruptcy Protection (Now more difficult than ever)
4. Stop Paying and Walk Away (I don’t recommend you do this one, it will come back to bite you)

suckersuckersuckernotanymorer on 03/29/2010:
In November of 2009 I purchaded a camera with all intentions of trying it to see if I liked it. I tried it and of all things my mother got very bad off she was dying of cancer. I went to her and stayed for a while. She got a little bit better. Then in January of 2010 she started getting worse. I went back to her house and stayed for weeks at a time to help my Dad take care of her. She stayed in South Carolina and I stayed in North Carolina so it was a lote on me. And of course I forgot about the camera and I was supposed to return it by the end of January I didn't. I remembered the camera when I returned home in February I told them what was going on and told them that I have always been a loyalt customer and would they please take the camera back because it was more camera than I needed. They continued to send me bills for the camera after I had returned it of course I called them and they said I had to pay for the camera because the return dept. said it was abused. Bull, it was not hurt I told the lady that I told the lady to return me the camera if I had to pay for it she said OK. She said that I didn,t write to the right people when I forgot to return the camera. I told her that I was going to pay for the camera that I didn't want but I would no longer be a customer of Fingerhut and no one I knew would ether. The world is a sad place now.
PepperElf on 03/29/2010:
I believe the issue you're facing is that you tried to return an item you used/tried well over two months after you purchased it

the company is not really responsible for changes in financial status
Nick on 04/23/2014:
Pay your bill as your supposed to don't get mad because your makeing late payments
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Replacement of product was substandard
Posted by on
MINNESOTA -- I purchased a Hewlett Packard 672c deskjet printer from finger hut in 1999. I purchased their warranty also. This January My printer needed repair. The service center said it was economically non repairable as the repairs cost more than the product did now. The purchase price for the printer when I bought it was over 300.00 Including the 25.00 For the cable. The replacement I was sent cost less than the warranty. It was an off brand and did not match the quality of the Hewlett Packard printer I purchased. Their warranty states that at their discretion they will refund the purchase price or replace the product. They did neither. It is now February And I have lost considerable amount of business because that I did not have a printer. Little did I know I would receive a non acceptable printer. I have received nothing but the runaround and I now I have to purchase another printer. I feel like I was really taken. I told them I would complain on every consumer website I I could find and warn others not to purchase electronics from Fingerhut or their warranty.
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Dirtydave on 05/19/2006:
Finger Hut is known for selling junk. In the future I would recommend using a more reliable source for your office needs. Office Depot for one
BountyHuntress on 07/04/2006:
try getting hp products from hp-much better than Fingerhut which sells crap
CrystalSword on 07/23/2007:
We buy NOTHING from Fingerhut, but if they want to waste money sending us catalogs, that's fine, I take our name off the catalogs and any order blanks from inside and shred them and pitch the catalog. At one time they were a good company, not anymore.
leopard on 01/13/2008:
does Fingerhut still exist?
Anonymous on 04/01/2010:
I remember once Finger Hut sent me a catalog with a banner on it saying this would be my last catalog, so order now. Guess what? I didn't order anything and they kept coming.
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