HI i joined perfect homes in November 2009, i purchased a wide screen TV from them. since i joined them i have been a loyal customer, and have not missed a payment.. that was until 2 weeks into January this year. when i joined i signed a form allowing my local store to take my payment from my bank account every week. every thing seemed to be fine, until i got a phone call 4 days after my payment date informing me that my payment had been declined?? i stated there should not have been a reason why my payment should have been declined as i always make sure that i have the funds in my bank! i asked why i was only getting a phone call now 4 days after the day i usually pay on?? because as far as i was aware the payment had been taken. i was told the payment had not been taken and if i did not pay that week, i would incur a late payment charge of 3 pounds plus i would have to pay double the week after. i told them they where at fault, they know my payment day. so why was i only getting a phone call 4 days later demanding the payment? i asked them would they put the missed payment to the end of my agreement and i wanted the charge removed as it was unfair!! i was told in no uncertain terms that the answer was no!! and was basically threatened with the usual palaver that if i did not pay then the goods will be removed BLAHH BLAHH BLAHH!! the managers attitude was atrocious, which then got my back up. and believe me im not one to be intimidated!! after a few crossed words they finally agreed to take the late payment off (although i don't believe they really have!! its no doubt been put onto the end of my account some where!!) i then payed double the week after, i was not happy about this but to save myself upset i agreed. everything seemed fine after that, my payments where taken as usual every week from my bank.. until this week and AGAIN guess what happened!! yes exactly the same thing!! again a phone call 4 days later informing me that the payment had not been received. i again stated to them why am i only getting the phone call now and not on the day i usually pay?? i suppose i should have learnt from the 1st time and checked my account but i have various bills coming out on the same day and i pay for my shopping etc on my card, so i haven't noticed that they have not taken there payment. again i spoke to the same manager, again her attitude was atrocious!! i told them that this was out of order they cant keep doing this to me!! AGAIN!! they would not accept they where at fault and i have to pay double next week plus the LATE PAYMENT CHARGE!!! hmmm its making me wonder if they are doing this on purpose just so they can incur the late payment charges!! i rang head office to complain and also complain about the manager and her attitude!! i was told they would look into it and phone me back.. they did so this morning, and to cut a story short i am basically banging my head against a brick wall, they are causing me undue upset, it seems they couldn't give a toss, there policy is if u don't pay on time EVEN WHEN THEY ARE THE ONES AT FAULT!! then there employees can speak to you in any manner they want!! all in all i refuse to pay the late payment charge and refuse to pay double payment next week!! i have now decided that i will be phoning the store to make my payments, as i am not leaving it down to there COW BOY antics!! they are not reliable enough to make sure the payment is sorted on the day it should be!! any advice on this would be greatly appreciated