They called me at work repeatedly. Finally I made arrangement to have a settle paid in 3 payments. They insisted on an automatic debit from my checking. Then they said my account was closed and the deal was off. I am out $429 and have no idea what the status is of my account. They claim Dell Financial (another nightmare) took it back. I believe that is illegal. They gave me an incorrect Dell phone number-it was disconnected. i think this is a scam and I don't know what to do. I filed BBB reports and FTC complaints against Dell and Encore. We will see what happens. read full review »