Maybe done with the local JD store!!!!

JD Seller

Well-known Member
We have had an open account with the local JD store for as long as I can remember. We never went on Farm Plan or any other revolving charge plan either. The bill is due before the tenth of each month and it is always paid by the 1st. I got a letter today telling me that we would be cash only after Oct. 1st. as they are no longer going to have any "open" accounts. The letter did say they would be GLAD to set us/me up on Farm Plan. Cold day in heck before I will do that.

I called and talked to the local store manager this afternoon. I asked him if he knew anything about this. He said it was all from corporate accounting and that he could not do anything about it. I had him look up the totals for the last 3 years and average them for this account. The average is well into the five figures each year. I politely told him he had better call corporate and asked them IF they wanted to loose 100% of that parts sales??? I flat out told him that the $5500 engine parts order, that was just made yesterday, was on hold until they straightened this out. He acted all dumb, meaning straighten WHAT OUT!!!! Get things back like they where!!!!

The dealership chain to the south has called on us for the last two years after the store here in town closed. They gladly opened us an open account. They can drop parts off daily as one of their sales guys goes by us from his house.

I will switch if the local store does not keep things like they were. I have dealt with this store through four different owners. Since they closed the local store they are taking the local business for granted. I can buy my parts anywhere!!! Even if the southern dealership does not work out I can have just about any OEM part dropped off at my door step. There are many dealerships that have an Internet parts store. I checked some prices tonight and they are the same, even with freight, as the local store. So the local store is kind of pronging me anyway. The online fellows are eating the freight cost.
 
Monticello now. Bodenstiner bought Smother's out and then closed the Cascade store last year. P&K out of Maquoketa is the one wanting the business. They are only 30 miles away to the south.

Actually the P&K is owned by a Doctor out of Oklahoma. Here is bit about him: P&K Midwest owner, Dr. Barry Pollard, was recently inducted into the 2017 Oklahoma State University Hall of Fame.

Kind of shows how JD company cheats when they force dealerships to sell. They barred several fellows from buying Smother's out. One of the reasons they gave was that the new owners would not be involved enough in the store. So how does a surgeon that lives and works in Oklahoma have involvement in a chain of stores in Iowa???
 
For the most part the old time dealerships like we knew for many years that were owned by a local person are a thing of the past. My primary Case dealer in Brookings, SD still sets things out for pickup after hours and has in house charge accounts.
 
Local Case IH dealer with 3 stores closed most open accounts
years ago. He did however secure a Case credit card for all
his qualified customers.
 
CaseIH stores went that route decades ago. They set everybody up with a CaseIH credit card. So either you pay cash or check at the counter or it goes on the CaseIH credit card. Of course you can pay with any Visa or what have you but if you call in parts to be set outside it goes on the card. If you have a machine worked on, it doesn't get delivered until you write a check or it goes on the card. One way or the other they are getting paid before it leaves the store. They are not a financing bank. They sell machines and parts. If you want revolving credit, you put it on a card or borrow from your own lender, because they have no open accounts for anybody.

I think the 1980s and 90s put a lot of these dealers on the hook for 10s of thousands if not hundreds of thousands in unpaid accounts and they simply are not doing it any more nor should they. There's all kinds of people in the credit business that are willing to take the risk on you, your equipment dealer can't afford the risk. A big tractor repair is over ten grand easy. Combines can cost 20 grand plus just for yearly checkups. How many farmers would it take to put a dealer in the red if only 5% drug their feet paying their bills? It's not that they don't appreciate your timely bill paying but I'm willing to bet your the other 5% minority that pay on time every time. So it's not about you, it's about the other guys who ruined it for everybody else. Frankly, I'm surprised to hear there are any dealers left in this part of the country that offered in house revolving credit. I thought they quit doing that everywhere long ago.
 
So what's so bad about using Farm Plan? I've used it for years and like it. I can go to any dealership in any state and pick up a part or go online and charge it to Farm Plan. They send you a year end statement telling you exactly what you bought for your tax records. The payment is due around the 20th each month and I have never paid a cent in finance charges. About as close as you can get to an open account there is. Yes it's another charge card but you use it at JD only and if your buying parts from them anyway and charging it what's the big deal?
 
A dealer can slap anything they want on Farm plan and then YOU have to deal with Farm Plan to get it off. When I pay my bill with the dealership that provides the services any issues are settle right there and then. I have seen the crap that goes on with farm plan. IF you and the dealership have a disagreement your on the hook for the money period. Farm Plan backs the dealership and your screwed. They have you by the short hairs by threating your credit standing with their revolving charge.
 

History means nothing: Here in NH they shut off their oldest dealer in the world four years ago.
 
(quoted from post at 00:41:46 09/21/17) A dealer can slap anything they want on Farm plan and then YOU have to deal with Farm Plan to get it off. When I pay my bill with the dealership that provides the services any issues are settle right there and then. I have seen the crap that goes on with farm plan. IF you and the dealership have a disagreement your on the hook for the money period. Farm Plan backs the dealership and your screwed. They have you by the short hairs by threating your credit standing with their revolving charge.

Do you realize how much it cost a dealer to carry 30 day charge accts especially back when interest was a lot higher than today?????

I've had a Farm Plan acct for over 30 yrs and I've experienced the problems you mention. In fact over the yrs I have forgot to pay my payment on time then call them to have them refund my late fee. I pay my bill in FULL every month so I never pay any interest. Back when I was employed by a JD dealer I was thinking it was against Farm Plan rules for dealer to have any open 30 day accts.
 
Yessir, I remember going into our IH dealer back in the early /mid 70s and being handed a Farm plan application and I said whats with this? Parts man said they were closing all house accounts. I never had a problem with Farm plan other than it was just different, bought parts, signed a receipt, paid the bill when it came,, but I never had to deal with a dispute as JDseller has stated.
 
Now you know what I'm talking about. It's not the product,it's the dealer. As far as I'm concerned,we don't have one and haven't had for a long time.

Welcome to my world! It was bound to happen eventually.
 
First, I'd be concerned if they offered you a Farm Plan account. Farm Plan ceased to exist a few years ago. It's now called John Deere Financial.

Second, no problems with John Deere Financial or Farm Plan here. If you think the dealer is going to use JDF to screw you, then you need a new dealer. I've never had a dispute with them I couldn't work out. And if they get you once, you can go somewhere else just as easily. With a JDF account, more easily!

Third, many other companies use JDF as a payment system, and offer discounts if you use it over an open account. A local feed company will invoice you 2% less if you pay via JDF vs an open account. The only way to buy cheaper from them is to use ACH debit, and that to me is much scarier than JDF. With JDF, you still send the check, and see the charges before you pay. A local animal supply house does the same thing.

Last, in this neighborhood, no local dealer has used open accounts in decades. Yes, we have accounts at the hardware store, Napa, steel distributor, etc. But all the dealers went to external billing a long time ago.

Odds are this isn't anything against you, it is a blanket decision. Helps cover the dealer's butt, and costs you nothing. While it seems you might be offended, you shouldn't be.
 
For every good person that pays bills on time there are likely 99 dead beats that don't and just ruined it for the rest.
May as well forget the farm plan and just go with any credit card ? Then you only have one bill to pay and it is all itemized. I would think for a business this would be better than a bunch of different accounts to keep track of and pay with bills coming in all different times of the month ?
 
(quoted from post at 05:05:18 09/21/17) For every good person that pays bills on time there are likely 99 dead beats that don't and just ruined it for the rest.

BINGO!

That's the reason they eliminated open accounts. Too much money lost from the deadbeats. Farm Plan has a collections department. Let them deal with it.

You can cry, "But I'm a good guy! I pay my bills!" all you want, but it is not cost effective to keep the system around for you and a handful of other "five figure (or less)" parts customers.

For every one of you who spends "five figures" on parts, they've got TEN who spend six or even seven figures. You're a drop in the bucket. They won't even notice you're gone on the bottom line.

Take your business elsewhere if it makes you feel better, but realize the money is still ending up in the same place so you're not punishing anyone but yourself.
 
(quoted from post at 07:05:18 09/21/17) For every good person that pays bills on time there are likely 99 dead beats that don't and just ruined it for the rest.
May as well forget the farm plan and just go with any credit card ? Then you only have one bill to pay and it is all itemized. I would think for a business this would be better than a bunch of different accounts to keep track of and pay with bills coming in all different times of the month ?

JD Financial originally known as Farm Plan sends an itemized bill & sends an itemized year end summary.
 
Does this only apply to parts and service or does it apply to all new and used equipment sales too? If you are concerned about working with John Deere's financing, it might cost less to expand your revolving credit line with your local bank, or have your sons deal with Deere.

With declining farm prices, declining farm income and potentially rising interest rates, this is really is a prudent move for Deere. Loosing five figure annual parts sales isn't going to scare any dealership, especially if they don't have to carry hundreds or thousands of accounts on their books anymore and don't have to chase after collecting delinquent payments. On the eastern side of the Iowa does one acre of good ground still cost five figures?
 
Well said Barnyard, harsh words but spot on the money. If any of us think financial institutions or retail stores or wholesalers care a bit
about one individual's business purchases, we need a reality check.
 
Connie it is JDC financial. I just called it Farm plan because that what it was. I had a Farm plan account for about two months 35 years ago. I got screwed over big time by a dealership that loaded it up and closed. JDC was absolutely zero help. So I took my beating and closed it then an. I refuse to do any business using Farm Plan.
 
Barnyard: I am not going to post exact numbers on here but we are in the top ten parts account they have at this location. They are free to do what they want. I am free to take my business else where. When the neighboring dealer is courting our business while the local one seems to not want it.
 
There has not been any open credit accounts for decades around here. Elite farmers included as I remember guys complaining about being disrespected. For the dealer it is labor efficiency as now they do not need a bookkeeper for the parts department. The computer sends a record of all transactions to one central location and that location handles the transactions for many dealerships. Now for a small parts order (100 dollars, has some turn on a yearly basis but not stocked) all will order w/o money down. Just pay when you pick up or accept delivery.
 
I'm surprised you still have dealers with open accounts. Here in ND that pretty well went away several years ago.

You should be happy that you still have multiple dealers to choose from.
 
its part of doing business period. deere dealer have been that way for at least four years/ case ih dealer same way. moving to the other dealer will be same in year or so. parts on line buying yea you can but your are putting on card or paying before it ships. calm down or better yet try running any kind of business dealing with public, your attitude will change within first month of operation. i am still owed over 50,000.00 cause of like you said, but can't you put this on open account. my policy is changing oct 1st also, either card or cash.or GOOD CHECK. funny thing is the ones that everybody thinks have the money or large operators are the worst to pay bills, period.
I was told when my business started to always watch the full time farmer the closest for bill paying. i was full time farmer into my 50's so did not believe it. guess what, better believe it cause 3/4 of the owed amount is full time farmers. sending out letters today to those.
 
I can see your point in that situation. By and large, though, that has not been the case. I think it would be fair to ask the JDF people if things have changed??? A regular credit card company allows the buyer a lot more rights than one would expect over the seller...
 
At least you have a choice. Around here they just say "Where else are you gonna go?". Yes,I've actually heard those words.
 
A whole lot of dealers are just a holes just like a whole lot of the rest of us. One of the former dealers who was now a salesman said, with a chuckle, where are they (farmers) going to buy their parts or equipment. Well in this case, most changed colors and a whole dealer corp went down. Crooks. I know, I was there. Got out.
 
My local JD dealer just went to wanting prepayment or deposit ? not sure which ? for ordered in parts. I can see where they are coming from as a lot of people order stuff and then don't want it ! I called them over the phone to order just like in the past. Guy asked for prepayment. I didn't want to use my credit card for something I had the money in my pocket for. I didn't want to make 2 trips either ! I did ask for the parts manager as I have known him for years even though I do not buy much anymore. I asked him if he would vouch for me and he did. LOL. Next time I will likely have to just give my credit card. But the convenience of buying local is fading away and I can just hit buy it now on ebay and use my credit card and it comes right to the house and many times you can get a lot better price too.
 
I have a open account with a local (only local) parts store. I also know the owner very well. With the exception of one other customer (not business customers) I'm the only other person with an open account who pays right away the first of each month. Now translate that to a JD dealer in IA in farm country. I've been in the store when people have been informed that they no longer have an account because they haven't paid their bill in 2-3 months. After the foul language and rants the begging starts. Funny part is most often it's the BTO's or better off people too.

so if I'm one of 2 non business accounts in good standing what was the JD dealers books like?

Rick
 
JD;
The problem is we are dinosaurs from another time and we don't like change. Used to be open accounts were the normal for regular customers with many businesses we frequent. Then the old owners started dying out and the new ones coulden't / woulden't keep their money tied up in our old open accounts. I miss those day's too but you really can't blame a particular business for keeping their profits tied up in us when they could be invested somewhere else and actually make money. It's no different for a farmer selling hay now a day's. You just can't take the chance on everyone paying you in a timely manner so you get payed when they get it. Us old folks have to live in this new world in spite of the changes that ruffle our feathers.
 
The local JD dealerships got rolled into one dealer with maybe 12 stores. Was a group of 20 dealers that got rolled together over a 6 year period I think.

Lot of strong Green supporters still in the area, but no one is happy with the new dealership and the treatment of customers or the 'no alternative, so we will charge 150% labor now' types of attitude.

But, they are still strong Green supporters, so it continues on.

My understanding is Corporate JD is all for this business model, and encourages it.

The rEd people have their big dealership conglomerate that it trying to eat up all Red dealerships as well; my understanding is they are very shaky dollarwise, they closed several dealerships they had just built new around me. As in, a couple year old new buildings, new ground. That can't be 'efficient', but everyone hates that big dealership network and visits the somewhat old school Red dealerships left.

I'm sure Red corporate will squish them out soon, and like Green, we will be left with nothing but the mega dealerships that don't care but charge more because there is no competition.

Everyone makes fun of Orange or Blue machinery, but those are still the older style, caring folk as I see it. For now. Around here.


So, corporate Green wants to make money off the financing. It is easy to skim off some income from a finance situation. The dealer network is left in place, because of liability and expenses there, but JD will push for this change so they get a bigger cut of the finances.

Paul
 
I think that it was around the mid-1990's that the accounting process flipped in favor of automation for a lot of dealers. I remember one comment about how the cost had come dramatically down from where it had been several years prior. Probably more competition in computers and support services driving prices down. I remember back in the 1980's dealers fretting when the block man showed up to discuss "updating" the dealership in terms of more computer support.
 
My dealer went this route a couple years ago,,I am with JD seller on not wanting/using JD Financial,,I soon realized that the Deere dealers are just "Marketers" they get most of their parts from where ever,,I have since been buying all my engine kits from Reliance, and Air Condition parts from AP Air,clutches from other sources also,,and about Half the Price from Deere,, their arrogance and uncaring demeanor has opened my eyes and saved me a lot of money. Last month my dealer sent a "Customer Relations" employee to my shop,, the first time any one from that store has ever been here,,he small talked for a bit,,then I asked him why was he here...He wanted to know what it would take for me to start buying parts at their store again..I almost Laughed in his face...and sent him away with more than he wanted to hear.. I and most of use are "Small Change" to the Mega Dealers,,they can care less about serving us...and this line of thought will soon be their demise..
 
From where I sit they all espouse the same philosophy. Back when it was J I Case and not CaseIH they formed the first mega-dealership in the area. Kind of interesting that the same mega-dealership is building a new location 15-20 minutes away from what will be a former location. They can claim all the logistical arguments about being more central blah blah blah but the soon to be former location was nearly a ghost dealer location for many years. Sure, plenty of area down there that does not have ag like it used just like in many parts of the state. But in reality and stated by people familiar with the area is CaseIH was never forgiven by many for shutting down a very popular IH dealer in favor of mega-Case.
 
Years ago Our local Deere dealer,an old Family owned and very caring dealership, was visited by some Deere Rep's..the loaded him into a car and drove him around the area and showed him some sites that they would "approve" of for a new building site,, the old dealer said he was happy where he was,,and then was told that the old location would "Not" be good enough for them..a few years latter they were out and the new Mega dealer was in..Deere has shown us all that they do not really care about us,,they are absolutely sure that all of us will follow their lead no matter what..or where... Now the Mega dealers are feeling the squeeze of lower crop prices,,the lots are filled with un-sold equipment...the term "Too Big to Fail" is about to see the test...
 
I figured this spring that they must be hurting a little. A salesman from the Deeremart chain stopped in to see me. I didn't rip him a new one or anything like that. I was sociable with him and didn't tell him why there was a single piece around here that's green with yellow wheels,but it was the first time in 10 years that they even acknowledged that I was alive. Even when I'd walk in they didn't even want to look my way and wait on me.
 
I don't think any attempt was made to sort the situation out down there other than all of the popular IH dealer's territory fell into what had been mega J I Case before the merger. From what I understood the IH dealer made himself and corporate a bunch of money while keeping customers happy. But in the end that IH dealer had no options as a team up with other IH dealers was not going stall mega-dealer's efforts. In the thirty plus years since the CaseIH merger I had been by the mega-branch referred to previously several times and I had to look to see if the lights were even on. I very seldom saw ANY equipment on the lot or a shop door open to hint at business going on. My understanding is that a fair amount of farmers started buying JD even though the local dealer had a reputation as being somewhat stiff.
 
Sqrew them I say... I internet shop for most of my parts..no matter the dealer.. Some things so specialized that I have to bite tongue and go in..
example..
skidsteer parts would have been 2500.00.....internet search $250.00
Rakinging teeth 1/2 price from internet then dealer or even farm store..

Special lock nuts through local store or dealer.. $$$$$$.... 1/4 price through internet..

And for those who want to take me out back for not buying locally... ^%^%*( you to... as we have family business that has been around for over 100 years.. still maintain customers because of what we do and SERVICE..but know we have lost a few from internet also.. so..

Feel your pain JDSeller!!
 
In the 39 years I was in business I never had a problem with the large accounts. They sometimes owed me 20-30000 dollars each. I was always paid. The people who were trouble were the ones with a dozen horses in the 3 acres of pasture or the ones with a dozen dogs running all thru the house.
 
This brings up a good question: How many of us sell our products and production on account? Myself, I don't sell anything without immediate payment.
 
Deere pushes Mega dealers. It s not just that they condone it, or encourage it, they force it. If a dealer resists, they won t be a dealer when it comes time for contract renewal. CNH (Case IH AND New Holland) seem to be neither here nor there about it. They SEEM to be leaving the smaller dealers alone, but don t have a problem with consolidation either. I think a place like Titan is actually a liability to CNH. If it fails, there s a giant vacuum that AGCO and mostly Deere will fill.
 
When I bought my tractor, we agreed on the 36 mo. no interest plan(2004). When it came time to sign papers, they tried to get us on Farm Plan. We stopped that real fast. WhenI bought my 2nd tractor, I made it clear no Farm Plan financing.
 
It's been a long time since I was paid for grain as soon as the last bushel rattled off the truck or wagon. I don't think the milk truck driver brings a check with him for each farm he picks up at. The major grain buyers here have a one week to 30 day schedule for payment. I have had times where the check did not come when promised. I have been lucky in that I only had one instance where I had to take a percentage of the balance owed as the buyer was closing out. I know of guys who have been through that a dozen plus times through their farming careers.
 
Deere has always "pushed" their dealers to remodel or build new buildings. I have heard similar stories for most of my life. But it is really bad now the little guys are getting merged into mega dealers ! You know the overhead has got to be terribly high at these places.
 
Very little in the way of small dealers regardless of color around here anymore. Deere is not the only one as I remember the area White and later AGCO saying his battle had been going on since the 1970's. If you go far enough back to after the Second World War IH was pushing a similar attitude. The dealer that was in Geneva built an IH spec building of which some of the facade still exists even though that dealer quit around 1970. Deere sets off more emotions because for some they are like the NY Yankees or Dallas Cowboys. Either you are a fan or you hate them.
 
We don't get parts from a John Deere dealer unless as a last resort. We'll fix, fabricate, and or machine our own parts before buying from JD dealer. Around here all the JD dealers now are owned by Ag-Pro, the dealer either had to switch brands, or become a Ag-Pro employee.
 
I am a scrounger by nature and by necessity. I will always look at a used option where practical as opposed to buying a new part. Just yesterday I scored 450 dollars worth of parts at the local scrap yard for 36 dollars. I seriously need to be stopping by the scrap yard more often. Tomstractorsandtoys was just talking about wanting an IH 550 chopper and there was one just brought in with 2 row head that looked decent other than where the crane grapple mangled it to set it on the pile.
 
I use farm plan, I try and stay away from deere as much as I can and always pay the bill before it's due so I never have any interest charges. Treat it like a credit card. We've been unintentionally late with a couple of payments and they've removed any late fees or interest charges wife just called them and complained.
 
Not to offend you JD but I got news for you. You do not walk on water. You are part of what gives the BTO a bad name. You come strutting in with your chest puffed out expecting everyone to drop everything and help you because "The average is well into the five figures each year." You march in and go to the front of the line and us little guys have to wait. If the dealership is going away from open accounts then I would hope that means everyone. Not just us little guys. In a lower post you responded that you are in the "top ten" of their parts account. So what? Does that mean you should be given preferential treatment? I do not work with nearly as big of numbers as you do, but guess what? I pay all my bills on time every time just as you do. I bet 90% of the people do, so get over yourself.
 
How is the mega dealers any different than the mega farmers?
Around me if your not milking 1500 - 2000 cows your lucky to be alive.

In our economy your either growing or your dying, you just can not set there and be competitive with out changing with the times.

This is no different that then the auto manufactures or the big box stores that we all shop at whether that's for building supplies, groceries, pharmaceuticals, the list goes on and on...
 
(quoted from post at 11:32:18 09/21/17) Not to offend you JD but I got news for you. You do not walk on water. You are part of what gives the BTO a bad name. You come strutting in with your chest puffed out expecting everyone to drop everything and help you because "The average is well into the five figures each year." You march in and go to the front of the line and us little guys have to wait. If the dealership is going away from open accounts then I would hope that means everyone. Not just us little guys. In a lower post you responded that you are in the "top ten" of their parts account. So what? Does that mean you should be given preferential treatment? I do not work with nearly as big of numbers as you do, but guess what? I pay all my bills on time every time just as you do. I bet 90% of the people do, so get over yourself.
agree with you 100%,
 
My Local Jd dealer went to farm plan because customers didn't pay there bills on time.They didn't want to confront customers about the bill. With farm plan they get there money and farm plan has to collect from farmers.The dealer said farmers would get offended if you asked them to pay there bill and some would threaten to go to another dealer.So,they let farm plan do the collecting.
 

This is the problem with this Country, whether it's the government, FoMoCo, GMAC, Fiat , Case / INT they got too big
Lost touch with their customer needs.
 
JD's local John Deere dealer MAY be in some financial problems?? I have accounts with JD dealer with 6 stores in 6 cities and good in all 6 of them plus Kubota and MF dealers. Also received this from JD Financial a while back but have not used it. Just like an insurance co. NO better than their agent!
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Sounds like one of the large vet clinics here. No more treating horses. Horsey people don't pay their bills.
 
Its not a big deal you get a multi use account and have the credit and any john Deere dealer you like. We use one for stuff needed tomorrow and bigger item 1k or more another as with a a little asking they will give a 8-10% discount. I personally would love to have a guaranteed payment when ever I sell something from hay to corn to livestock and custom work because extending credit is some cases is scary as balances build up and am owed small amounts by a few that is almost worth it as they won't and don't ask for more work or commodity.
 
Go to a Tractor Supply things like medications,wormers etc are all just on the shelf except for those for horses they are locked up in a cabinet.That tells the tale right there
as far as I'm concerned.
 
(quoted from post at 13:05:18 09/21/17) For every good person that pays bills on time there are likely 99 dead beats that don't and just ruined it for the rest.
May as well forget the farm plan and just go with any credit card ? Then you only have one bill to pay and it is all itemized. I would think for a business this would be better than a bunch of different accounts to keep track of and pay with bills coming in all different times of the month ?
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Enlighten me but do you not have debit cards in your neighbor hood? I pay all the time at my local CIH dealer using my bank's debit card and get a 5% discount for prompt payment. That way I don't get any nasty surprises about bills I have forgotten about. And I can check my account balance any time from a smart phone or home computer. Just a whole lot simpler and less messy.
 
I know it's prolly been said, but almost no small business carries net 30 anymore. I have an open acct with my Porsche parts guy, and I keep him balanced every month. You should hear some of the stories about others who wanted an open acct with him. And this was Porsche! I can't imagine having an open acct with something like ag parts.

I would bet that their(JD dealer) charge-offs would run 10-15%, and their plus 90 day accts would run 60% or more. Some would only pay when they needed a big part and were cut off.

I wish that weren't the case. I wish it would all go back like it was in the 60s. I wish people were honest about their debts. But - I can wish in my hand, and it won't fill up with anything but bovine scat.
 
George I do have debit cards. The trouble is the local dealer does not give you any incentive to use them. If he would give a discount like some on here talk about then it would not be so bad.
 
Regardless of which dealer you use, isn't Mother Deere still getting your money.
 
I don't think that could happen today. At our dealerships, we put our signature on every parts receipt that gets charged to the account. No signature...., you can probably refute the charge.
If it's a repair bill you get an invoice to review before it gets charged to the account. I've found mistakes and/or overcharges once in a while after the fact because I didn't take the time to review an invoice when it came in the mail and the dealer had no problems simply reversing the charge and putting a credit on the charge account. It's really not a big deal.
And with major repair bills you can often get 90 days interest free so you don't have to cough it up all at once, but spread it out over three months. The dealer certainly wouldn't want to offer you interest free past 30 days but Case Credit will do it. Don't know about Farm Plan as I don't buy green stuff.
 
I know where you're coming from..... Really, I do. Our Co-op switched to JDF from in house accounts about 10 years ago. I was not happy about it at the time for the same reasons as you. However, when you're on the board of the co-op and you look at it from that side... the business gets its money at the end of the day vs whenever someone decided they can pay... it made for a huge improvement in getting clear of all those receivables. So I'm sure it's nothing against you personally. It is just company policy to not be in the credit business. No doubt you could just as easily use visa or your card of choice to do business there. JDF is a bit different than the mainline credit companies to deal with, but the rates are similar... and like the others, nothing can be charged without your authorization.

Rod
 
(quoted from post at 20:16:44 09/20/17) Monticello now. Bodenstiner bought Smother's out and then closed the Cascade store last year. P&K out of Maquoketa is the one wanting the business. They are only 30 miles away to the south.

Actually the P&K is owned by a Doctor out of Oklahoma. Here is bit about him: P&K Midwest owner, Dr. Barry Pollard, was recently inducted into the 2017 Oklahoma State University Hall of Fame.

Kind of shows how JD company cheats when they force dealerships to sell. They barred several fellows from buying Smother's out. One of the reasons they gave was that the new owners would not be involved enough in the store. So how does a surgeon that lives and works in Oklahoma have involvement in a chain of stores in Iowa???

Because the previous JD dealership in Kingfisher Ok(Blair Farm Equipment) went teats-up...A salesman from the local Allis Chalmer/Chrysler/Plymouth/Dodge dealer named Wendel Kirtley convinced Doc Pollard to go in together and buy the old Dealership(which was in fairly new buildings at the time)...That was like 1985.

Barry Pollard farms big from Enid to Dover OK and has always run John Deere. Doc Pollard is a neuro surgeon/farmer/cattleman

At first there was only one P&K Equipment in Kingfisher OK...then they were more or less forced to buy the Enid store/Blackwell stores which had been Longs Equipment...then The Norman/Purcell OK stores...then Stillwater/Edmond stores..etc and on and on....It's a corporate entity now and I've heard they have bought some stores in Arkansas.

I retired from P&K Kingfisher in 2007 after 20 years in the grind.

Doctor Pollard ain't a bad guy I've had him crawl underneath his 8960 to help me wrestle hydraulic hoses in and out...Partied with him too. When he's not a spine surgeon he's a farmer and cattleman. He was born and raised on the farm
 
There are a few dealers I gave up on because their prices are too high and they won't give me the time of day... And they're either to lazy to be helpful, people working the counters don't know or just don't care... Unfortunately, these are usually the BTOs that own multiple dealerships and seem to be consuming most of the dealers in the state now. :(
 
(quoted from post at 16:49:45 09/22/17)
(quoted from post at 20:16:44 09/20/17) Monticello now. Bodenstiner bought Smother's out and then closed the Cascade store last year. P&K out of Maquoketa is the one wanting the business. They are only 30 miles away to the south.

Actually the P&K is owned by a Doctor out of Oklahoma. Here is bit about him: P&K Midwest owner, Dr. Barry Pollard, was recently inducted into the 2017 Oklahoma State University Hall of Fame.

Kind of shows how JD company cheats when they force dealerships to sell. They barred several fellows from buying Smother's out. One of the reasons they gave was that the new owners would not be involved enough in the store. So how does a surgeon that lives and works in Oklahoma have involvement in a chain of stores in Iowa???

Because the previous JD dealership in Kingfisher Ok(Blair Farm Equipment) went teats-up...A salesman from the local Allis Chalmer/Chrysler/Plymouth/Dodge dealer named Wendel Kirtley convinced Doc Pollard to go in together and buy the old Dealership(which was in fairly new buildings at the time)...That was like 1985.

Barry Pollard farms big from Enid to Dover OK and has always run John Deere. Doc Pollard is a neuro surgeon/farmer/cattleman

At first there was only one P&K Equipment in Kingfisher OK...then they were more or less forced to buy the Enid store/Blackwell stores which had been Longs Equipment...then The Norman/Purcell OK stores...then Stillwater/Edmond stores..etc and on and on....It's a corporate entity now and I've heard they have bought some stores in Arkansas.

I retired from P&K Kingfisher in 2007 after 20 years in the grind.

Doctor Pollard ain't a bad guy I've had him crawl underneath his 8960 to help me wrestle hydraulic hoses in and out...Partied with him too. When he's not a spine surgeon he's a farmer and cattleman. He was born and raised on the farm

Ragnarok: I am not saying what kind or type of fellow Doctor Pollard is. He could be great or a real butt. I just do not buy that he can really have much daily evolvement in stores 700 miles away. The big wigs at JD like that some one with a high profile is owning JD stores. How that high profile person actually does at owning them is way down the list.

I am glad your job worked out for 20 years. The Mt. Vernon P&K store will be lucky if the guys there last a year or two. I know that the shop personnel has high turn over rate. I mean guys that worked there before P&K that left shortly after words.
 

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