Payments on your Lacks Account should be mailed to:
Lacks Payment Center
PO Box 33158
San Antonio TX 78265-3158

Please be sure to include your Customer Number and Contract Number on your check.

Your installment contract is a “closed end” account. This means that the amount that you owe on that contract is fixed. The monthly payment amount is already determined as well as the number of payments needed to pay off the contract total. There is no state or federal requirement to send out a statement for this type of account.

If you wish a payment card, you may have one and the store associates can update it when you bring in your payment.

When you make your monthly payment, we will also give you a receipt showing your payment and the new balance of your account.

Did you purchase either a Gold or Platinum Protection Plan? If not, you should call the store. If your product is under a manufacturer's warranty, the store can take care of the problem without cost to you.

If the item is no longer under manufacturer's warranty or the Lacks' warranty, Lacks will recommend a service technician to take care of the problem, but it will be at the customer's expense.

(Note: Lacks sold Guardsman Gold Plan through April 30, 2005, and then switched to the Lacks Platinum Protection Plan--see below).

If a stain or damage does occur, you need to contact a Guardsman Customer Service Representative by telephone or you must file an on-line claim form (www.guardsman.com) within five days of the date the stain or damage occurred.

This is very important. You must file the claim within five days of the date the stain or damage occurred.

So that Guardsman may assist you as quickly as possible with your claim, be sure to have the following information ready when you report your claim:

(Note: Lacks began selling the Lacks Platinum Protection Plan as of May 1, 2005. Prior to that time, Lacks sold the Guardsman Gold-in-Home Plan (see above).

If a stain or damage does occur, you need to contact your nearest Lacks store or call Lacks Customer Service (800-242-1123) within five days of the date the stain or damage occurred.

So that Lacks may assist you as quickly as possible with your claim, be sure to have the following information ready when you report your claim:

If the product is under warranty, contact your Lacks store. We will arrange for a technician to take care of the problem. If your item is under Lacks warranty or manufacturer’s warranty, this will be done at no cost to you.

If the item is no longer in warranty, then Lacks will recommend a service technician to take care of the problem, but it will be at the customer’s expense.

Lacks has a price guarantee. This guarantee states that if you find the identical item with like services anywhere else in the county within 30 days of purchase, Lacks will refund the 110% of the difference.

During your shopping process, if the identical item can be found with like services at a cheaper price, then Lacks will match the lower price after verification.

When you purchase using one of our “no interest” plans, we inform you that interest will be shown on the contract and that all interest will be refunded if the payments are made on time as agreed and the contract is paid in full by the designated date.

Some of our customers don’t make their payments on time and don’t complete their contract by the final payment date. In those cases, we are entitled to the interest, but federal and state law says that if we don’t show the interest on the contract, we cannot charge it at a later time.

Customers, who pay on time as agreed, get a full rebate of their interest charges – usually before they make their final payment.

We’re sorry when that happens. We produce our mailer on time and count on the Post Office to deliver on a timely basis. We coordinate with the mailing service and the Post Office to make sure there is time for the piece to land in your home before the event. When that doesn’t happen, we are as upset as you are.

Please take your mailing piece to the nearest Lacks location. The store manager will determine if the event can be extended.

There are only two types of insurance that are required: Property insurance and non-filing insurance.

Property insurance

Until you pay for the merchandise your purchase, Lacks has a financial interest in that merchandise. We want our interest protected with property insurance, and we offer a property insurance policy. We are also comfortable with your homeowner’s insurance as long as we are shown as an “additional insured” on that policy. Please bring in the homeowner’s policy within 30 days of your purchase, showing Lack’s as an additional insured. In case of a disaster, we know the merchandise is covered.

Non-filing insurance

The non-filing insurance is a bit more complicated. Since you owe money on the merchandise, Lacks has a lien on the items. To perfect the lien, Lacks should file the contract at the courthouse (just like your home mortgage is filed). This is expensive and would cost $25 to file and $25 to release the lien. Instead of charging you those expensive filing fees, Lacks purchases insurance that protects us and this charge is only $10.

Life and Accident & Health Insurance

We also offer life insurance protection and accident and health protection. Both of these programs provide additional protection to you as a customer. These are not required, but are offered by our associates.

When you make your purchase, the store is usually able to tell you the delivery day for your merchandise. The day before delivery, our delivery crews will route each stop of the delivery truck and determine the order in which merchandise will be taken to customers’ homes. Using this information, we can then give you a two-hour window.

We provide a two-hour window for a delivery time on the day before delivery.

We know you would appreciate an exact time but that is simply not possible. We cannot know what difficulties we will encounter in making our deliveries during the day – traffic jams, customers not being home, doorways being too narrow or stairs too twisty. All of these can cause delays and disrupt the schedule. And, sometimes, we go faster than we thought! That is why we try to keep you informed during the day if there are any changes to the delivery schedule.

We really can’t do this.

After we deliver your merchandise, we have more deliveries to make during the day and don’t have room in our truck to take on your old furniture or appliances without disrupting our next deliveries.

When you chose to pick up your own merchandise instead of letting us deliver it to you, you assume responsibility for that merchandise.

When we deliver, our trained delivery crews know how to inspect the merchandise, assemble the parts, and protect it while we make deliveries. Our delivery associates are responsible for loading the truck correctly and getting it into your house with no damage to the merchandise. In the rare cases where damage occurs, then we are responsible for repairing or replacing the merchandise we delivered.

Lacks wants you to be happy with your merchandise. We, therefore, give you seven days to decide if you like it or not. In the seven days, you can see if it fits in the room, looks good, sits comfortably, and suits your lifestyle.

After seven days--or if it has been damaged or stained while in your possession--then we cannot offer an exchange or return privilege.

This policy does not apply to bedding which is covered through the manufacturer’s 60-night comfort guarantee, nor does it apply to special order merchandise. (R 01.2005)

You get points for every merchandise purchase (furniture, bedding, appliances and electronics) you make after joining the #1 Club. You'll receive points equal to 2% of all merchandise purchases (excluding delivery and installation charges) made and charged to your Lacks account, or paid with cash or a credit card. These points may be redeemed as payments against future purchases, just like a gift certificate.

You will be invited to parties for #1 Club members or you will be offered exclusive #1 Club Special Prices & Discounts and/or financing offers and/or extra #1 Club points during these events. If we have your email address, we'll send you notification of sales events and special pricing during the year, and we will send you the semi-monthly issue of our on-line magazine “Home Design & Ideas.”

You will receive the Accessory Advantage--all of the time. This entitles you to a 20% discount off of the sales price of all accessories in the store (lamps, plants, pictures, mirrors, frames, candles, trees, statuary, etc.).

And you will receive "front-of-the-line" service during special events, special coupons for products and services, and other surprises throughout the year.

You get all of the advantages of being a #1 Club member! The Accessory Advantage with its 20% discount plus the 2% in points earned on every purchase pays for your membership fee many times.

Each time you make a purchase at Lacks, show us the #1 Club Card (or a Lacks associates can look it up for you). Your unique number assures that your purchases--whether made on a Lacks credit account or with cash or a credit card--will be captured and the appropriate points credited to your #1 Club Account. You will receive points equal to 2% of your purchase whether it's made with a Lacks charge account, cash, check or credit card.

It's simple. We will, of course, send you a statement showing the information every six months. You can also access this information during a visit to any Lacks store. Show the Lacks associate your #1 Club Card, and they can obtain the information from our computer.

You can also go to the Lacks website at www.lacks.com. Click on the "#1Club" tab, and follow the instructions for checking your statement. You will need your #1 Club Account Number shown on your card.

You will receive a statement from us 6-7 months after the month in which you join the Lacks #1 Club--and every six months after that. This statement will show you how many points you have earned since you joined (or since your last statement).

Each point on your account is equivalent to a $1 in purchasing power! You can apply the number of points against your next purchase at Lacks. Simply show the store associates your #1 Club Card and, for your protection, another form of identification. After entering your purchases, all or part of the purchase can be made using your #1 Club points available in your account--just like a gift certificate!

As you receive each future #1 Club statement, it will show the number of points on your last statement, any points earned from your purchases since then, and any points used to make purchases. These points may be spent at any time.

The points will continue to accumulate and be available to spend as long as you are a member of the #1 Club. If you drop your membership, the points are available for up to one year beyond that time. After the one year, any remaining points are forfeited.

If you have a credit account and become 90 days past due, you will automatically lose your membership and all accumulated points.

We hope so! There will be an annual renewal, and we will automatically deduct 10 points from your account for your annual membership. If you have no points in your account, you will be notified at the appropriate time and given several ways to renew your membership.

Each year as long as you have points in your account, we will automatically deduct 10 points from your account for your annual membership. This renewal will be shown on your semi-annual statement and on your account statement available on line.

If you have no points, we will contact you by mail each year and remind you to renew. You can charge the renewal fee to your credit card, send us a check or even include it with your purchases on your Lacks account.