Pet leasing: The latest in predatory lending

Pet leasing appears to be the latest scheme to bilk the unwary of their hard-earned dollars. Unfortunately, this particular scam also involves the welfare of an innocent dog or cat.

Here’s how it works

You watched Game of Thrones (or Balto or White Fang), and now you want a dog who looks like one of those tame wolves owned by the Starks. You go to Pets R Us or a store like it. There you see and instantly fall in love with a Siberian husky puppy.

The sales person apparently wants to help you. She tells you about Wags Lending. This nice company will loan you money so that you can take your puppy home! The loan process is amazingly easy, so easy you should probably be a little suspicious.

But you’re drowning in love hormones (oxytocin) every time the puppy makes eye contact with you. So you sign the loan document over your phone, confident that you can make the monthly payments.

Over the next two years, you, not Wags Lending, will train your small wolf to be a family dog. You will eventually teach him to pee outside and quit jumping on the table and pulling half a bagel off your plate.

You will put up with this, happily, because every time you look into his blue eyes, you see the love and happiness that you have brought to a wonderfully uncomplicated soul.

By now, you are well over any notion that your husky is anything more mystical than a dog.

He pees on the sidewalk and paddles through his own pee. He lives for treats. The two of you sit on the couch watching Game of Thrones together. When one of the tame wolves kills a Stark enemy, you pat your dog on the head and say, “You go, pup.”

Who knows at what point you will learn that you do not legally own your dog? Maybe after you’ve made the final payment, Wags Lending will ping you and offer to sell you the dog at “fair market value.”

Perhaps, earlier on, you were late with a payment, and the seemingly so-friendly company you “borrowed” from is now threatening to repossess your dog.

This happened while we were sleeping

Admittedly, AnimalRightsChannel.com is just now catching up to the sad existence of pet leasing. Luckily, the governments of New York, California, and Nevada have been on top of this long enough to make the practice illegal.

As usual, buyers should beware, especially when it turns out they are not actually buying.

Wags Lending and other similar companies are trafficking in the human longing for non-judgmental companionship. And they didn’t have to do the hard work of inventing a revenue model. It was right there in plain sight: car leases.

They just adapted the model of the car lease and tailored it to dog lovers who want a classier dog than they can actually afford.

This is not where we will debate the merits of buying a thoroughbred against the merits of just going to the pound and saving someone’s life.

I lied. If you don’t have, on hand, the thousands of dollars needed to pay for an expensive designer dog, definitely go down to the pound and save someone’s life for a clean hundred.

Here is a complete list of things you should borrow money for:

  1. a house
  2. a car, but only if you need it to get to work

What you can do

If you have unwittingly leased a dog (and many have; you are not alone), you have a buy out option. Go to the lender’s website and see what that option is. At Wags Lending, the buy out option is described as follows:

“consumers can buy out of their lease at any time and become the outright owners of the property. And, there are no penalties or extra fees if you choose to buyout [sic] early!”

Drilling down a little further, however, brings up this unsavory information:

“The customer can pay their buyout at any time. Assuming they’ve fulfilled monthly payments on time, they are not restricted as to when they can pay this.”

Let’s put that into plain English. If you ever miss a payment or make a payment late, you may have no option but to make all contracted payments before negotiating the purchase of your pet.

If you are fortunate enough to have made all payments on time, this is, according to the Wags Lender website, how you will be charged for the purchase of your pet:

“The buyout payment total, includes what is currently owed plus 15% of the pet’s value. This is also known as a “purchase fee”.”

No further directions are available about how to buy your animal on the Wags Lending website. However, there is a phone number, (844) 761-4950.

Call it and you get an automated message that you have reached “Monterey Financial.” Montery Financial is an unregistered lender with a one star rating from Consumer Affairs customers.

Upon calling this number, I got the usual warning that “this is an attempt to collect on a debt,” not the warm fuzzy greeting I was hoping for, from people who are involved in handing out puppies.

Eventually, I got a human being who sounded very stressed, and she told me that, yes, this is the right number to call if I want to buy an animal I accidentally borrowed.

So, to the best of my knowledge at this point, if you want out of your bad contract with Wags Lending or other predatory lending service, call (844) 761-4950, let the system take you to a human by not entering any numbers or saying anything, and then, with your account number handy, tell them you want to buy your leased pet.

What else you can do

Please sign my petition to end pet leasing at the federal level: https://www.thepetitionsite.com/takeaction/620/181/276/

Author Lynn Hamilton writes from Louisville, Kentucky.

Isle of Dogs: Wes Anderson’s best so far

Dogs are not wild animals.

But what if they had to be?

Would they latch onto the first human that came along?

Probably. At least that’s what Wes Anderson hypothesizes in his latest film, Isle of Dogs. In this movie, a province of Japan has deported all its family pets and watchdogs to Trash Island. The cat-loving local Japanese administration claims that the dogs will spread their flu to the human population if not exiled.

Formerly used for manufacture, transportation, and animal experimentation, Trash Island has been devastated by multiple storms which have left it in chemical and architectural ruins.

Only one human attempts to rescue his dog, and that is Atari, a twelve year old boy who steals a prop plane and crash lands on the island in search of his dog, Spots.

Of the five animated dogs who star in Isle of Dogs, four immediately make Atari’s mission their own. And the outlier, Chief, voiced by Breaking Bad star Bryan Cranston, never actually walks away from the mission. Instead, he keeps a close eye out on the others from a distance of a few yards.

Eventually, Chief comes to love Atari, saves his life, and pledges his lifetime loyalty to the twelve year old. When it turns out that Spots is Chief’s long lost brother, Chief has one question: “Was, was I the runt?”

“Not any more,” replies Spots as the two of them protect Atari from a raging current.

The movie is partly in untranslated Japanese, about which some reviewers have taken issue. In point of fact, nothing is said in Japanese that cannot easily be understood in context. It’s a bit like harping that you didn’t catch every word of an opera.

And one reviewer, Moeko Fujii , has said that language and the failure of translation is really what the film is all about.

Other critics have accused Anderson of stereotyping because his film traffics in a number of Japanese art forms: sumo wrestling, cherry blossoms, haiku.

We condemn this as cultural appropriation at our own risk, however, as Anderson is so tongue in cheek. In other words, he might be stereotyping, or he might be making fun of the way America stereotypes Japan.

What we do know is that Isle of Dogs is a really loving portrayal of dogs, their attachment to humans, and how little they ask of life. Isle of Dogs has all the heart that is absent from Anderson’s intriguing early work.

Perhaps not every dog is as rational and compassionate as Rex, King, Boss, and Duke, voiced by Edward Norton, Robert Balaban, Bill Murray, and Jeff Goldblum. But we all know dogs who are that gentle, dogs who will put up with the worst travel accommodations just to be near their people, dogs who would do anything for a twelve-year-old boy.

And the trademarks of Anderson’s work–the softly spoken monologues and characters staring straight into the camera–really work in this film. Especially when dogs and boy have their eyes full of tears.

Altogether, Isle of Dogs is Anderson’s most complex, subtle, and clever film so far.