Business ProfileforHome Smart Industries, LLC

My 89-year-old mother had an in-home consultation with this company. They were selling a walk in bath. After agreeing on a price, my mother and I, who was helping her navigate process , told the salesman that the only way we could purchase was with 0% interest and no payments for a minimum of 12 months. The first lender that he called only offered her three months of both, so we declined. He then called the second lender which was ********* ****. After speaking with them, and I assumed telling him what type of loan that she needed. He then passed the phone to me to give some information. My mother was approved for the loan and per talking to ************** terms were supposed to be given by the merchant. They were not. This was on 4/12/23. I texted the salesman and told him that I received an email that stated 0% for three months and no payments for three months. He assured me that that was the previous loan and that we were all set with this loan for 18 months. He said he would follow up the next day With the details of the plan. He never did. I was not worried because there were no payments and I was comfortable because we had verbally discussed it. On May 16, 2023 the tub was installed and she signed a sales slip, which, in small writing said minimum payments required. My mother did not see these three tiny words and signed the agreement. Again, we were comfortable and confident, knowing there were no payments for 18 months. No one, including the bank had told me that they were any payments. On June 21, my mother received her first statement from ********* ****. That statement showed that she owed $532 a month for the next 18 months and then the loan would need to be paid in full or the accruing interest would be charged. I immediately reached out to the bank who confirmed this was correct. I then called the company and was told that they must've made a mistake because in their files, it shows 0% interest and no payments for 18 months. I spoke with a woman named *******. I then called the bank back who confirmed they were not correct that my mother did owe this money . I have a recorded call with the president of the company and the salesman saying that they made a mistake. I’ve been trying to negotiate with the president and he has been extremely challenging to deal with. I have been trying to deal with the company for six days and I need some help. This is clearly a predatory practice to make a sale. No one would agree to a loan and not know what the payments were. Thank you.