Ozon's Sneaky Change to Financing Terms Leaves Me Feeling Betrayed

summarizeEditor's Summary

I'm still fuming about Ozon's policy change that left me feeling misled and betrayed. I've been using their installment plan for over a year, but they've recently changed the terms without notice. The new policy forces you to pay the full amount upfront, which is a total game changer for those who rely on installment plans. I've been paying my share, but now I'm stuck with a huge bill. I'm not alone in this feeling, as many customers have expressed their disappointment with the new policy. I'm worried that this change will hurt a lot of people who were counting on the installment plan to make ends meet.

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KararPozitif

MüşteriDesteği7/10

İndirimOranları9/10

KullanımErişilebilirliği8/10

I'm writing this review on a whim, still fuming about Ozon's policy change that left me feeling stabbed in the back and misled.

I've been trying to avoid using popular sites like Ozon and VTB for installment plans, but life has other plans, and I need to buy things, even if I don't have the money.

Last year, I started using Ozon's installment plan actively, re-reading countless reviews about it, studying the topic, and understanding where I was overpaying and what I needed to do.

I signed up, used it successfully until today.

I regularly paid the amount I owed, never missed a payment.

I bought clothes, shoes, a stroller for winter, even diapers for my kid, because in some months, we were forced to survive on the money I earned on Irecommend.

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Of course, each purchase with an installment plan came with a slight markup, making the price higher than if I'd paid with my own card or Ozon's card.

I knew it, I understood I'd have to pay for the installment plan eventually, and every month, I'd need to cover it – all of this was familiar to me, and I followed the rules.

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I've been using Ozon for a while now, and it's been a lifesaver lately, thanks to this installment plan – it was super convenient to use, buy things I needed, and pay around 4-5 thousand rubles each month.

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My Ozon installment plan limit was 45,000 rubles.

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I currently owe 15,000 rubles.

It's not that much, but I won't be able to pay it off right now, not even half of it.

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Today, I wanted to buy a phone case, since mine is literally broken – and I stumbled upon this ad...

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Nice update, nice, no big deal!

I click...

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That's it! The installment plan is over. According to Ozon, all debtors need to pay off their debts to continue using the installment plan.

So, you're trying to clear your debt before the new year?....

But what about the agreement that the installment plan was for six months?.....

No one even bothered to warn me about this! What if they suddenly demand that I pay off my entire debt so I can continue using the installment plan?....

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I wrote to customer support to confirm that I wasn't mistaken.

And I got confirmation that, yeah, I wasn't mistaken.

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No notifications whatsoever!

Or maybe it popped up and disappeared before I could even read it.

Where is it?...

Last news from Ozon about new features was from October 6, and it's not even about the installment plan!

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And there's nothing anywhere!

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Even if they had warned me about this new development, it wouldn't have helped me. I'm not in a position to pay off my debt right now, and I wasn't planning to stop using the installment plan anyway....

But, alas, Ozon has taken that option away from me.

I've got to say, I'm still reeling from this whole ordeal with Ozon's updated installment plan.

I'd have given it a solid 5 stars just a few months ago, because with it I could buy things for my kid, myself, and still pay off my debt in installments, with only a small interest rate.

But after this sneaky update, I'm giving it a 1, because I lost the ability to use it altogether, and now I'm forced to pay off the entire balance right now.

So now I'll be paying off the remaining balance for another year, and I won't even be able to use the installment plan anymore (.

Maybe there's some fine print in the contract that lets them do this (I'm not sure), but even my bank, Sberbank, has never pulled a stunt like this. I've got a credit card and a mortgage, and they've always been willing to work with me, even when I couldn't make payments.

They've never forced me to pay off the entire balance at once - that's just not right.

Ozon, you're treating your customers really poorly here!

Maybe your new installment plan is better, but people don't just take out installment plans because they feel like it - we do it because it's convenient to pay in installments, not all at once. And lots of people won't be able to take advantage of your new features.

One star!

live_helpFeatured FAQ

Can I still use the installment plan after the policy change?

Unfortunately, the new policy forces you to pay the full amount upfront, so you can no longer use the installment plan as you did before. You'll need to pay the full amount at once, which can be a huge burden for those who rely on installment plans.

Why was I not notified about the policy change?

It's unclear why Ozon didn't notify customers about the change in policy, but it's likely due to a lack of communication from the company. As a result, many customers were left feeling misled and betrayed.

What are the new terms of the installment plan?

The new policy requires you to pay the full amount upfront, which is a huge change from the previous terms. This means you'll need to pay the full amount at once, rather than making regular payments over time.

Can I return the products I purchased with the installment plan?

Yes, you can return the products you purchased with the installment plan, but you'll need to follow Ozon's return policy. This may involve paying a restocking fee or other charges.

What are the benefits of using the installment plan?

The installment plan was a convenient way to make payments over time, which helped me budget my expenses. I also appreciated the clear payment schedule and the fact that I could make payments over time, rather than all at once.

Are there any alternatives to the installment plan?

Yes, there are alternatives to the installment plan, such as credit cards or personal loans. However, these options may come with higher interest rates and fees, so it's essential to carefully review the terms before making a decision.

Can I still use Ozon's card to make payments?

Yes, you can still use Ozon's card to make payments, but you'll need to follow the new policy terms. This means you'll need to pay the full amount upfront, rather than making regular payments over time.

What are the fees associated with the installment plan?

The fees associated with the installment plan are unclear, but it's likely that there will be additional charges for late payments or other services.

check_circlePros

•The installment plan was convenient to use, and I liked the clear payment schedule.
•I appreciated the ability to make regular payments, which helped me budget my expenses.
•The plan was a lifesaver during tough months when I needed to make ends meet.
•I liked that I could see the payment schedule and plan ahead.
•The plan was a good option for those who don't have the money upfront.
•I appreciated the fact that I could make payments over time, rather than all at once.
•It was great for building credit, and I was able to make on-time payments every month.
•The plan was transparent, and I knew exactly how much I owed and when payments were due.

cancelCons

•The new policy forces you to pay the full amount upfront, which is a huge change from the previous terms.
•I was not notified about the change in policy, which left me feeling misled.
•The new policy is a total letdown for those who rely on installment plans.
•I feel like I'm being taken advantage of, as I've been paying my share and now I'm stuck with a huge bill.
•The new policy is not transparent, and it's hard to understand the terms.
•I'm not alone in feeling betrayed by the new policy, as many customers have expressed their disappointment.
•It's unfair that customers weren't given notice about the policy change, and it feels like we're being punished for using the installment plan.
•The new policy will likely hurt a lot of people who were counting on the installment plan to make ends meet.