I had read their bad reviews before I had even made a claim. Wish I had read up on their service agreements before I purchased it. Buyer Beware. Had purchased a leather couch recliner from Ashley furniture .Bought service agreement which was Montage. We were told it was 5 year contact. That if the couch needed repairs and they didn't have parts it would be replaced. In May of this year the motor went and the couch would not recline. We presently the receipt from Ashley furniture and the Montage service agreement. We had to fill out LONG claim forms at least 6 pages. We sent them in to Montage and this was the beginning of the procrastination. It was unbelievable. 10 weeks later they finally sent a repairman. We are talking late July. He said the part needed to be replaced. Said when part came in he would replace the motor in the couch. We waited. 12 weeks went buy after numerous phone calls from us. Finally in mid October they told us the couch and it's parts were discontinued. I asked if they were going to replace the couch with something comparable. They said no. The selling point of the contract was it would be replaced. So we went back and forth and we were forced to settle for the price of the contract. 900.00 which is actually our own money we put out to buy the contract in the first place. So...we are stuck with a 1500.00 couch that doesn't recline. We paid $ 2400. All together. Will never buy another contact again from this Montage or any other. Montage the Queen of Procrastination and broken promises. By the time you pay for all the interest on this purchase we got royally screwed. No surprise .read all the other reviews.