I'm one of Dell's biggest critics. I lead this site (though I didn't found it). There was a time when I would unconditionally endorse Dell products and service. That time was 1998-2001, during which span I bought one and worked for Dell.
Likewise, I bought from Dell and have made at least three sales for Dell in the past few years. Friends and family always ask me to pick their computers. My business owns two Dells: a server and a Vostro desktop. But we will never deal with them again, after dealing with the criminals at DFS. I like their PCs and their prices but I can't afford to spend days on the phone arguing with them for every PC I buy.
Dell Financial deliberately misleads purchasers, and subjects them to internal fraud and identity theft, without recourse.
Dell stiffarmed and stonewalled you on all of them, as they are known to do.
I'm getting the stonewall treatment from them now. It's awful. I hope there is another class action lawsuit against them, like there was in 2006. You can't stonewall a court.