Client Reviews on theispc.com
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Please don't have business with them. It's a scam. The water filter doesn't even work. They supposedly said that it saves 10,000 gallons of water, so when the hurricane hit, I have no water. Super high interest, which makes you pay more to try to to pay off. 5,000 was the initial loan and 3,000 of interest. 9,000 down the drain, I could have gotten a car for that price.
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Dont fall for them, overpriced, horrible customer service, they just want to overcharge you for products and services on those products.
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Like most everyone else here, this company wants me to pay an extra $95 for a recording fee to release a fixture filing against my property. This was never explained during the presentation of the water softener system we purchased. Why??? Further the rep I spoke to on today was extremely nasty & yelling at me. Customer Service sucks with this company and you can rarely get anyone on the phone. Needless to say, I will never use them again nor will I recommend them to anyone!!!
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When you look at the reviews for ISPC it can really paint a horrible picture in your head and make you think these must be the worst people in the world. I can assure you they are not and they are actually friendly and helpful. I am moving to a new home and found out about the UCC-1 that was on my house so i called in to see what i needed to do about this that way i could sell my previous home. when i called i did have to leave a message which did scare me but i got a return call very quickly. i explained the situation to the lady and she said i would need to speak to Kim about this and she transferred me over and she told me she was on the phone so i would need to leave a VM. So i did and again Kim reached back to me very quickly and explained what i would have to do and emailed a form to me. once I got the form i had some questions and i emailed her back and she replied very quickly and helped me out a lot. I cant stress how stressed out i was because of this especially reading all the comments but Kim got back to me again said she spoke with my title company and everything would be fine and the UCC would be removed and applied to the new home. I had no issues and yes it does suck to pay a monthly bill but that is what i signed up for so i know it has to be done. If i could request one thing though is that ISPC talk to their vendors to give this info more up front because if i hadn't called this could have been a different situation. The sales guy at guardian did not relay any of this info to me and my wife which i can see how people can feel betrayed when they find out. All i can tell people is call them and talk to them and they are not as bad as some people have said on here, and again THANK YOU KIM!!!!!!!!!!!!
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Their loan shows up as a line of credit which caused my credit score to plummet, and they charge massive monthly fees.
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*UPDATE*STOP LYING TO PEOPLE AND SAYING YOU DONT HAVE A LIEN ON OUR HOMES!!!Nothing but INTEREST! My husband and I purchased a water filtration system from the American Water Company (a merchant of ISPC’s). $63 of our monthly payment goes toward interest, when we signed up for a 7.9% APR. The representatives have been rude and talked down to me like I am stupid, interrupt me, etc. This company put a lien on our home, and trust me, if you purchased from one of their merchants and financed with ISPC, just take a quick look at your county assessor’s webpage. We didn’t know their was a lien and weren’t told this would happen until a year and half later (just found out today)! I’m appalled. They say it is a lien on the appliance, but that is FALSE. Maybe ISPC just doesn’t know what a UCC Fixture Filing is. We also were supposed to have deferred payments without interest for the first 6 months after purchase; guess what accrued? $60-$63 dollars of interest EACH OF THOSE 6 MONTHS OF DEFERRED PAYMENTS!! Do your wallet (and your sanity) a favor, and stay the heck away from ISPC.
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This company has HORRIBLE business practices. I bought a water softener for $2000.00, have made my payments on time, so I have had no issues with payment history. THEY PUT A LIEN AGAINST MY PROPERTY for a $2000.00 water softener! The customer service rep I talked to, called it a "Financial Statement". So they put a lien against my TITLE so it will not show up on a online search as a lien, tricky, sketchy, desperate? So now it has held up my closing for my refinance. The customer service rep I talked to gave me an analogy. "Say you buy a car, the loan company puts a lien against your car for the loan.until it is paid" My response, "I understand that if you loaned me money for my entire house, but it would be like a mechanic putting a lien against your car for a replaced Alternator until you payed for it." Sounds ridiculous? Yes it does. I would completely understand if I didn't pay on time or went into collections but they didn't trust me from the very beginning of my loan. Another thing that is completely unacceptable, I was wandering why my pay off balance was almost 100.00 more them my balance, come to find out that the UCC LEIN on my property, it cost 95.00 for them to remove it, AND THEY CHARGE YOU FOR IT ON PAY OFF!!!!!!!!!!!!!!!!!!!!!!!! I am so over this company I WILL NEVER USE THEM AGAIN. That is fine, I see i am not the only person that has had this problem, my suggestion would be, DO NOT USE THIS COMPANY!! Use one that will trust you from the beginning, because most dishonest companies will project their issues onto their clients and not trust them as well.FIFTEEN MINUTES AFTER MY REVIEW:I got a response from ISPC, O, Lookie there, it's the same cut and paste response that all the other 20 people got for the same problem.. The "Finacual Statement" is a UCC Lien!!!! As per ISPC response they assured me it's not a lien. Maybe they need to do some research on UCC Liens against a property. Basically it would be like a credit card company stating "We don't charge you interest, It's a finance charge." Maybe ISPC should take a look at how they do business instead of taking the time for a GENERIC response!!!!! WAKE UP ISPC!!
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ISPC is a great company that goes above and beyond for our customers. Its unfortunate to see reviews on a company that attempts to help out our customers to the best of their ability. I wanted to write this review because a majority of the more negative reviews on the company are because of miscommunication from the company using the financing and not ISPC. The people at ISPC are hands down some of the most professional and polite people to work with and I am glad to say I work closely with them as a great partner.
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Fees, fees, fees... and the worst part? We did not realize they put a lien on our home until we got ready to close on a refi. Not only was the solar equipment from IQ a complete waste of money, but the financing through ISPC was the real icing on the cake. Do yourself a favor, read the fine print and understand what you’re signing - for us a $250k house secured as collateral on an $11k installment loan... this company probably shows amazing assets, which the people who have financing are clueless about. Finance through your bank, NOT this company, worse than student loan lending for sure. And that’s pretty bad.
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