Independent Savings Plan Company

Financial service, ISPC

The Independent Savings Plan Company (ISPC) is a Florida based finance company that has been providing consumer friendly loans to … See more

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Independent Savings Plan Company Reviews ( 235 )

  1. (Translated by Google) Totally scammed, to my house came a seller of yours named Roy, offering water filters and according to Roy cleaning and personal hygiene products for 10 years, that a week after signing the contract they would send us …

  2. (Translated by Google) I really regret having bought this equipment, you really get into a never-ending debt, for me it does not give any good results, I really do not recommend it. I’d rather have kept buying water or putting the filter in …

  3. (Translated by Google) If I could, I would give it zero stars, if this company calls your house, hang up the phone, don’t ever answer them, they are lying thieves, scammers who deceive the customer, terrible customer service, their agents …

  4. AVOID AVOID AVOID this place at all cost!!!!! Started out owing $4275.73 with a $64.00 payment + $3 payment fee per month we have paid for 6 months and only paid off $44.09! This should be illegal! And now that our 6 months is up they are charging a $7 maintenance fee!

  5. I had a great experience with this company, everything happen within two days. After the third day, I could see and feel the difference in the water, I thank everyone who were envolved in making this a success.

  6. Every month it seems to be something different even though we pay on time. Only regret we have about our system is that it is financed through this bank.

  7. WARNING!!!!! DO NOT EVER DO ANY KIND OF LOAN FROM THESE PEOPLE. You can never get a hold of some one to make a payment and then they charge you crazy late fees and the interest rates are higher than your minimum payments. Pathetic and crooked company

  8. Everyone I deal with at ISPC are great to work with…their decisions are fast and fair and they get the money into my account like lightening!
    Mike Soulie/Owner
    PURE H2O SYSTEMS, LLC

  9. I had bad experiences with this water system I had this guy name Michael come to my house he told me only $50 monthly for the system but is lie the interest is so high and I been trying to get some to come and get this system out my home is …

  10. I contacted customer service with a question and this was quickly and professionally resolved. Suggestions were given to streamline process and potential savings when pay by auto pay. Highly Valuable associate for this organization. Thank you.

  11. We were affected by the government shutdown and ISPC was wonderful and helping us make arrangements for our payments. They truly were very understanding and we are very appreciated of their services! Thank you!!

  12. The biggest mistake I ever made was dealing with this mess of a company. They will never have to worry about me ever using them for anything or for any reason. So glad I am finish with them!!!

  13. ISPC is a great financing company to do business with. Matt Millar goes above and beyond making sure we the dealers have the necessary resources to succeed. We at HydroClear are thankful to have a partnership with such a great financing company.

  14. This company should be investigated by the FBI.I wish I never invited members of this horrible company in my home for a water treatment test!!
    DO NOT DO BUSINESS WITH THESE SNAKES!!!! Please take my advice!!! Doing business with ispc is the worst decision I’ve made in years!!!

  15. This company is no good stay far away from them since I open my account I over pay my monthly payment and since feb27, 2020 I’ve paid off my account the manager Kim Cross the manager/supervisor & jovianno one or her reps ext: 1807 stated to …

  16. DO NOT DO BUSINESS WITH THESE CROOKS!!!!
    went to sell my home and couldnt because they put a lien on my home(they used the term UCC but in my eyes when you you got to pay something because you owe …

  17. If I could give 0 stars I would. A bunch of crooks! These people need to be locked up. Purchased a water filtration system and a year later that balance has gone up over 1,000 due to interest. Never missed a payment ever. This is robbery and something needs to be done about them.

  18. Helpful and knowledgeable customer service. All terms and conditions laid out in contract and a care call was conducted after installation. ISPC finances the equipment and all concerns about equipment should be directed to the merchant who sold the product.

  19. the worst ever… will sue you if you miss a payment or 2 making you pay thousands of thousands of dollars more for a small loan. my 6000 loan turned into a 9000 loan overnight. WORST COMPANY EVER. They are basically predatory lawyers looking to sue at any moment. DO NOT DO BUSINESS WITH THEM EVER. NO MATTER HOW GOOD IT LOOKS!!!

  20. What a scam, paying way more for a water system than I should have and when I refinanced my home they had put a lean on it. Customer service is anything but helpful. Stay away from these people!

  21. What a HORRIBLE company with absolute rude employees!!!!!! Every review says the same thing. If there is a good review out there someone from ISPC must have wrote it. A rep called my phone and was so rude which in turn I was rude to her and …

  22. Only words I have for these people is “They Suck” they don’t tell you how they want you to pay for each cleaning which is $50.00 and how no one else will come and touch it or that each chemical you need is going to cost you $50.00 more …

  23. Worst possible people you could finance through. Very shady. Customer service sucks. They will give you the run around for EVERY question you ask. Please heed the warnings from these Google reviews. If I could give 0 stars, it wouldn’t even do them justice. If you’re thinking about signing anything with them DON’T DO IT!!!

  24. This is the only account I have that was not understanding during the covid19 pandemic. Due to Covid 19 I was only working part time hours and was late making payments. I spoke with someone multiple times to explain my situation and made …

  25. 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 …

  26. If you have a choice, choose someone else. I’m sure they’ll come up with some BS reply to try make whatever they do legitimate, but what it boils down to is the company is the most unethical financing company out there. Sure, it’s legal, …

  27. I have had a lot of dealing with finance companies through out the years, and I have never dealt with one that was as easy to work with as ISPC! I would definitely recommend them to anyone if ever they are in need to borrow money!

  28. I’ve been a merchant with ISPC for several years. They have numerous options for loans that could fit any need. They’re credit decisions are quick and they are very easy to reach and speak with. I love the personal attention they give their merchants and customers.

  29. Our air conditioner died before Christmas 2016. In a pinch we had to finance through ISPC. We knew going in the interest rate was high and are able to pay more monthly, so we do. We received our initial call from Lori (believe that was …

  30. They are extremely dishonest. I have called in the past and they say they have no record of a phone call, let alone many phone calls. I have waited for paperwork to come in the mail and never received. Again a call was made to make sure …

  31. I bought a water softener from this company and they placed a lien on my house. I filed a BK7 and seven years later I cannot refi my house for a lower interest rate because they have a lien on my house even though they were included in my BK7. This company deserves no stars. RUN, if they come knocking!

  32. 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 …

  33. We were tricked into getting a water softener. A great deal so they said. Was suppose to be $9,000 and we got it for $4,700. But they didn’t tell you you have to pay for the rest of your life. Right around 30 or so urs. Never once received …

  34. 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 …

  35. Lien over your property with a very nice explanation after you try to refinance your house. They will tell you is not a lien but sorry that’s what the name. LIEN!! People need to be out of ISPC please go online to BBB And leave your report! …

  36. This company is a sham. I thought I was paying the wa water softener company but it was these thieves l. The interest rate is ridiculous their customer service sucks and you cant get a hold of them. They also lie on the credit reports saying you pay them late. I would recommend the water softener company not ispc.

  37. ***BUYERS BEWARE***
    This is a terrible excuse for a business. I should have known better and should have researched the company, but I fell for it. The salesman for the water …

  38. Initial thought, this is a scam, due to the high pressure, drawn out sales process. However, the product works FANTASTIC! ! Fresh, clean, crisp water, had no complaints. . . And then we tried to move….. First, for what we paid, yeah …

  39. They have a salesman come to your house, test your water, then act like if you don’t get the water system you’ll be ingesting and bathing in toxic chemicals. It’s all a scam and we were naive as first time home owners in believing them. …

  40. If I can give them a 0 I would. First off we are on autopay yet we got charged a late fee of $15! I know it’s only $15 but the fact is that they make so much money off of the interest that the supervisor couldn’t help us out either and see …

  41. I had the same experience I have explain to them multiple times I’ve lost my job I was in a terrible car accident where I broke bones and then horrible complications from giving birth causing me to get behind. Now they’re telling me I have …

  42. Do not do business with this company, if you see their name on your paperwork tuck tale and run away they will put a lein on your house without your knowledge. Should not be legal but apparently it is. STAY AWAY!!

  43. I purchased a water softener for my home. I have documentation stating that the softener was $8,999.
    For some reason ispc has reported a 9500 balance maxed out on my credit report. …

  44. 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 …

  45. I’ve been with them for over 7 years. They earn the majority of our business with their unique rate plans and solid bids. ISPC is an employee-owned company, and that means I receive great service from all “owners’ I speak to. I wouldn’t trade them for any other finance company…and we have used them all.

  46. If you have the opportunity to avoid this mob- do it. I tried to look up reviews before the salesman made it final but convinced me i had to do it then and there or the price would go way up. He comes to your house to “test” your water and …

  47. 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 …

  48. Financial Predators!!! stay away from them. This is a terrible company with Ironclad contracts that will suck you dry. Their tactic is to collect interest for years making it difficult to pay it off. Very high interest and no regards to …

  49. We paid our loan off 2 yrs ago. We still haven’t received a UCC form stating our loan is paid. Now we are trying to refinance our home and guess who doesn’t respond to fax or phone messages? Yup you guessed it. …

  50. Customer Service Line VERY RUDE. Was having issues with making an online account… instead of helping me through the process or possibly making an over the phone payment, I was told that there was nothing wrong with their system & it was …

  51. ISPC has responded and feels my issue is solely with the water company. But I dont feel that way. I feel you both are at fault. Elite water systems has already gotten a complaint from me. Your role in this is your aware of these practices …

  52. ISPC has been great to work with over the years. We have not come across any employee from any department that has not been kind and extremely helpful. They are at the top in the business for specialized financing. Its getting harder …

  53. Don’t use this company. They will destroy your credit score. I lost 50 points because it shown as a credit card with 50% utilisation. Luckily I paid it off quickly before it damaged my chances of getting my home smh.

  54. This company is absolutely WRONG. We got a water system and they put a lien on our house. this was not discussed or anything. The only way we found out was doing a refinance and we had paid this off 6 months ago. They should be shut down for not telling customers everything they are doing. DO NOT DO BUSINESS WITH THIS COMPANY.

  55. I strongly agree with you !!they should shot down this company they are completely ripoff, they steal your money l was paying $35 a month for seven years then i sold my home and they send me a bill for $3000 .the whole for the original …

  56. We have been a merchant of ISPC for over 14 years now and they treat both us and our customers superb. There rates and financing plans are the best in the industry. They have always been pleasant and work to resolve any customer issue …

  57. THEY PUT A LIEN ON YOUR HOUSE!!!! This is the most corrupt finance company I’ve ever heard of. We can’t sell our home because the buyer has heard of this company and all the bad reviews and they refuse to buy because of them. I have paid …

  58. The sale rep never said ,after you sign we will put a lien on your property! I paid on time but every month the charged me lately fees, after talking to them they said we will look into it. My interest was to be 1% but it was 9.9% and then …

  59. 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. …

  60. Horrible HORRIBLE company! We had a water filtration system with them that DID NOT WORK! We were working to get this paid off but they placed a lien on our home. Upon selling our home they took all of our equity from the sale of the home …

  61. What a RIP-OFF…. I’m in San Antonio, TX and we had a representative from this company (called Texas Clear Blue Water from San Marcos) stopped by my house to offer this water filtration system. He offered us the first 3 months paid (he …

  62. I too wish that I had read google, or even understood what a revolving account was. I would’ve never dealt with them either. I have had all kinds of credit in my lifetime, but I’ve never seen such a rip off. It should be illegal. I paid on …

  63. Don’t use this company to finance your water system, they set you up with a high interest revolving account and they charge you high fees of $295 ever year. Also a lien on your property will exist as long as you have a balance on the …

  64. Scam. Hopefully its not too late for you and you don’t have to learn the hard way like the rest of us. Get a water filtration system from Home Depot or Lowes and save yourself the heartache and headache from losing loads of money.

  65. The experience with this company has single handedly ruined my entire life. First I was misinformed about the financier. It shows up as a maxed out chrage account. As you pay down the balance it moves to a lower limit son that you stay at …

  66. Worst experience I ever had. Salesperson lied to
    Me saying it would be a soft credit check and when my credit dropped 16 points he said you might as well finance since it’s on your credit. After saying he’s a man of his word and he will do a soft pull. Just came into my new home to ruin my credit.

  67. I am refinancing my home and I received a call from my lender stating that there was a forbearance being reported on my account in the credit bureau from ISPC. I was very very upset because I pay this account on time monthly. I spoke with …

  68. Stay Away will put a lien on your house!!! If I could give them zero stars I would the sellers lie to you. They never mention that its a credit card charge on your account and then interest in never mentioned they tell you 50 dollar monthly …

  69. THE SERVICES I RECEIVED FOR MY MAYTAG WATER SOFTNER WAS AWESOME. I LOVE THAT FACT I NO LONGER HAVE TO BUY LAUNDRY DETERGENT, SOAP, SHAMPOO, OR DISH WASHING LIQUID. I LOOK FORWARD TO SAVING ALOT OF MONEY THIS YEAR.😊😊😊 …

  70. Mrs. Hickman from ISPC was absolutely amazing! We had a very big issue with our account, told multiple times by agents at ISPC that nothing could be resolved until I spoke to Mrs. Hickman. It took a long time to get in touch with someone …

  71. We just purchased our home In March 2021. We were looking for a water softener so I can’t complain about the tactics used for sales. What I can complain about is the way the finance office reports your account. THEY WILL LIST THIS AS A …

  72. Just no. 100% a scam in tandem with water filtration installation companies. You’re better off going to Lowes or Home Depot, buying the same system for $600 and paying a professional to install.

  73. Less than one star. Worst experience ever since 2017. They opened a line credit on my name when they supposed to give me the opportunity of financing the transaction. I noticed after my credit drop 71 points down.Yesterday I knew we have a …

  74. The time to pay off if you pay the minimum is literally like 18 years. The seller told me to lie to qualify. The seller was pushy. I dont feel like it was worth it. Supposedly they place a lien on your house as well, so now i have to pay off the entire bill to sell my house as well. Definitely not worth the money.

  75. If I could do it all over again I would have just passed on the system and the products all together. Please research and learn more about the company before signing the contract. They are not truly forthcoming when it comes to the …

  76. This business is terrible do not use them. I was trying to refinance my house and turns out they make it so it looks like you have a lien on your house and then demand payment before you try to refinance your house so you can actually …

  77. Ever since day 1 in 2017 I had issues with them. From them being sneaky and not giving you the whole information to bad customer service, today I finally end my account with them. And I decided to do it because the lady who answered the …

  78. I haven’t had any issues with this company until now. They have been very regular reporting to credit reports until I paid off $6,100. Now they refuse to report my new balance. And im trying to have my home refinanced and need this boost of the my credit. Im highly frustrated because my lender is literally waiting for them.

  79. This company has been an absolute nightmare to work with. As multiple other reviewers have stated, if you are going to refinance on your home, their (the financial company they use) contract IS A LIEN on your property!!! There is a $295 …

  80. I would give 0 stars if I could!!! We are currently trying to sell our house. We are supposed to close in 2 days. We are being told there is a lien on the house for over $6,000 from the water softener, even though we already paid for it and we can’t get anyone to answer our calls or call us back!

  81. BEWARE! Told this would not hinder refinancing or the sale of my home. Then I try and refinance and sure as it gets it does. Customer care was nice enough but refused to remove and refile. Options.. Pay in full, which I will do. Or to pay a $300 fee to do extra paperwork.

  82. We purchased a water treatment system for $7k which was financed by ISPC. They reported the financing as a revolving credit (credit card) to the credit bureaus with a credit limit of $7k which shows a credit utilization of almost 100% after …

  83. I have never had a problem speaking to a customer service representative before however now that I have paid my equipment off no one answers the phone. I was told that once my revolving Line of credit was paid that (I) would have to …

  84. I don’t know why all the hate and disrespect toward this company and it’s employee’s. They have treated me and my wife with the utmost respect and dignity. They have been honest and upfront with everything regarding my acct. There was a …

  85. Very informative and professional. Great value for everything you receive. Deferred payments with no interest accruing are awesome. Best of all, the water tastes great.

  86. This company has taken double payments without my consent, never missed a payment or ever been late and they charge you double for no reason. This company also tries to get you to buy them by offering free soaps with Pure & Gentle but it is …

  87. When we were sold our unit we were sold lies. We was told we could move it anywhere, free of charge. We are relocating and you can only move it within 2 cities in North Carolina. Also when we finally have it removed, we only have 30 days to …

  88. Had to call customer service several times and the last time was to get a payoff. I received the best customer service from Jovianna, who not only took her time to explain everything to me, settling my confusion and questions, but she even …

  89. I always get the information I need about my account, or anything I want or need to know…. except not letting me pay my bill early!! Other than that, great company!

  90. Worst loan ever and for a water treatment system I did not get. Representative said my signature was needed to say I was a part of the presentation. Unlawful! When calling to explain ISPC said “well you signed” I HATE their system and …

  91. We loved our water filter don’t get is wrong, the skin was softer & my acne improved tremendously. But on the flip side 10,000 dollars in the hole wasn’t worth it. I wish we did our research before purchasing. There’s so many water filters …

  92. PLEASE NEVER USE THIS COMPANY! My wife bought a water system for our household and the financing at that time was through ISPC (they have since cut all ties with them). Her account is in good standing and our payments are on auto-draft. Yet …

  93. Aqualife made choosing a water softener very easy and convenient! Same day water testing, product demonstration, and approval! Even better, installation the next day! Best decision you can make for your home and family, thank you Nate for …

  94. The most detailed and informative education about the system and the system does exactly what it says it does. I would recommend this system for anyone for their homes, offices or major places where water use is used. The staff Mr. Andrew was absolutely amazing.

  95. Sense we have the westinhouse unit, we notice a big difrencie the water taste real good, the shower is like fine water and leave your body soft, washing dishes leave nice and clean with less soap to apply, Thanks Westinhouse.

  96. We purchased the system while in Forney, Tx. Had no issues. The sales person was very friendly but failed to tell us a few things. 1. Being that we would have to have our system serviced ($$) every year. He also knew we were military, so …

  97. Simple and painless!! Salesman didn’t pretend to be an expert but worked closely with their engineers and finance departments. The finance will save us as much as the overall product will. Thank you!

  98. I used ISPC when I bought my water softener, they were great, always there when I called for questions, very friendly, just a great company to deal with. Everything was so easy, the customer service was great.

  99. This company was okay they did get alot of my information wrong so i was glad that i paid close attention to what was going on but they were quick to fix the issues and get back to me promptly

  100. Ispc should be ashamed of themselves got over $3000 from me and the only reason I paid these people is because I didn’t want my credit harmed. They didn’t even send a letter of paid off when I finished paying them for a fraudulent service. Same on you

  101. do not get the water softener through this company! they are a scam with interest payments.. paid almost 2yrs and with the company and we still have almost the same balance we started off with.

  102. This far, system has been worth it’s price. Water feels great, static cling in my hair reducing, dry skin improving, just waiting for cleaning supplies shipment to come in to start seeing our savings.

  103. RUN AWAY FAST AND DON’T TURN BACK!!!!!. ISPC (Clearwater Concept) was once upon a time a trust worthy, professional and reparable company in 2017 until part of their company were bought by an outside company “MY WATER MATTERS” overseeing …

  104. I would not give it even one star, this company has shown me the opposite of what they told me from the beginning. They sold me a false water softner product, right now I have two children with autism conditions, my wife is sick and I have …

  105. They are very knowledgeable and open to answer any questions you have. The install was easily able to be worked around my schedule and I’m very happy with the results. Would highly recommend that others use this company.

  106. Brian is super friendly and very knowledgeable! I noticed the difference in the water instantly! My skin has never been softer and the water tastes incredible! Highly recommend 😍 …

  107. ISPC called me after the install was complete to verify that everything was installed as promised and that we were satisfied. Afterwards they went over the details of the financing and explained our options clearly to be sure that …

  108. The representative gave a great presentation in regards to the services pertaining to their products and how it will benefit me and my family. This equipment will help my system throughout the house for as saving on my drinking clean and safety towards our health care as well, I would recommend any and other try this system out

  109. I love the different in the water system. It has such a great taste no more smell. It makes everything so much better in cooking and taking showers. I am happy with Rain Soft water treatment systems.

  110. I purchased 4 years ago and was told that I had a week to cancel after signing. I called to cancel and was told that I was unable to due to only having 3 days instead of one week. The rep lied to me. The only reason why I agreed to get the …

  111. Sales agent was very thorough with his presentation. Since I’ve been using a water enhancement system for years I was familiar with the difference between filtered and non filtered water. My wife and I decided that we were going to …

  112. I had just got home from out of town and was going through the mail and found a small issue with my bill.
    There is a very nice person by the name of Brenda in the Collections Department …

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