Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
My partner's bought some CD decks online and has arranged an 18 month credit agreement with the credit company Hitachi (through the online store) to pay for them.
He's now realised that he'll have to wait 14 days before the decks will be sent to him as there's a 14 day cooling off period set by Hitachi (as apparently people sign up to credit when they get drunk!) and the online store won't get the money for them so won't send the decks out (which is only fair!).
What my other half would like to know is - Is it possible to get Hitachi to waive the 14 day period, as he'd like them delivered sooner as he's fully aware of the fact he's signed up to the agreement. If it is possible - is ther anything he can send to Hitachi to prove it?
Re: Distance Selling & 14 day cooling off period..
Well under the DSRs, the "right to cancel clock" does not start until the goods have been received and the required written information is supplied.
Should he cancel under that period, then any credit agreement is also cancelled (though I have not really read that bit of the regs for a while so I will double check that there are no get out clauses).
Forgive my obvious lack of street cred, but are these deck thingies used as part of a business? If so, DSRs will not apply.
Re: Distance Selling & 14 day cooling off period..
dont worry, make sure you take the time and date of when you sign for them. and the courrier persons name. then if they do try and get out of the dsr by saying you had them longer than you actually have they won't have a leg to stand on. it is only from point of reciept that your dsr will kick in, i work for a company who deals with the dsr and we start it from the next working day after signed for. to avoid confusion- so i'd check with hitachi