Why are so many people turning their backs on H & R Block?

I will start this comment by saying that I work for Block. The OCC has stopped banks from offering RAL's. JH has a bank controlled by the FDIC and they have not shut down RAL's. Block did not do anything to cause the RAL's to stop. All banks that are now doing RAL's are going to do a credit check. Itis predicted that less than 20% will be approved. The IRS has eliminated the debt indicator so now banks have no idea if a tax refund will be garnished so the RAL's are really risky for banks. I really thought the new product offered by H&R Block was a good loan. It did not have all the fees the RAL has. Now to JH. This is not my opinion but from their price list. They are charging $49.95 for the RAL whether or not you are approved. (Block did not charge for theirs if you were turned down.) Your refund must be between $1250 and $1500. This means that all the clients with large EIC credits will not qualify. Most likely this is not going to be told to the client until after the tax return is done and sent. JH is running a commercial saying that at Block it can take as long as 15 days for your refund. The same is true for everyone. If you do not get a loan, the IRS funds on a set cycle. What day your return is accepted determines what day it is funded. It can take 8 - 15 days barring no issues arise. Of course, JH is only promoting the 15 day part. At Block, we have no commercials I know of that puts down our competitors. All they do is advertise our service. We are doing free 1040ez's this year. We are also doing free Second Look Reviews. If you bring in 2007, 2008, and 2009 ( or any one of them) and docs we can review them to make sure you received all the deductions and credit you deserve (or even if you actually owe). If it is correct we will give it our standard guarantee.