Hi everyone, I'm new to Consumer Action and would like some help please.

I currently have some items with Perfect Home and have paid over half off or more on them.

Unfortunately last week my employer reduced my hours from 40 to 32.5 per week.

I was wondering if anyone has been in this situation and has managed to reduce their payments to Perfect Home as I don't want to return items that I have paid a lot of money on.

I have proof of my reduction in hours but I find this company very difficult to deal with.

The manager at the store is quite arrogant and hard to deal with

and at one point last year quite threatening when I missed a payment.

All my payments are up to date and I think have only ever missed 1 or 2 in 2 years.

Any help would be very much appreciated.

Thank You

JH

they cannot take ANYTHING nor enter your home

Perfect Homes or any of their employees ARE NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

you've paid more than 1/3rd so they would need a court order to repo

and they NEVER do that.

ignore the unhelpful store staff.

simply pay what you can when you can

poss write or email headoffice

have their stupid insurances?

I bet you were told these were compulsory on all your items?

its NOT, and you can reclaim all your payments made to it

and at their int rate.

I've moved you to the correct forum

lots to read here.

you are not alone

dx

Hi and welcome to CAG

To expand a little PH are in the same stable as the others (BAYV, Brighthouse) in that they will squeeze every last penny off you. Write to them pointing out your circumstances. Demand they not ring you and if they ring you, record them. If anyone turns at your doorstep, record them too and send them on their way.

Log all and any calls, texts and visits, if they persist you can send a Formal complaint to Head Office telling them to cease and desist from what now amounts to Harassment contrary to the Protection from Harassment Act 1997

Thank you everyone, I was really worried about this tbh. They aren't the easiest company to deal with. I'll draft a letter and make an offer as to what I can afford. DX, I thought the insurance was tied into the items now and was compulsary ?

While the insurance part may be compulsory if you don't have your own insurance that covers hire purchase items, the other part of it, something like service cover is not and as such you can reclaim that aspect.

PH have been known to turn up on your doorstep demanding goods back. Don't even entertain them apart from recording their drivel which can be used in any complaint.

Thanks silverfox

Hi Silverfox, sorry I haven't got back to you with info on how I got on.

I have been back and forth to Perfect Home and they will not budge on the payments I have to make.

I have produced my own insurance cover which has reduced my weekly bill by $10

but they state my Perfect Care (service cover) payments will remain

as they are built in to the agreement and if they weren't I only had 28 days after the agreement was taken out to cancel them.

They amount to around $6 per week.

I have requested my original agreements to check on this

but don't hold much hope in reclaiming any of them.

This is a company that is so hard to deal with and their store managers are pretty forceful in what they state.

I have also contacted the head office and they will not deal with me at all,

insisting that they are not allowed to get involved in any changes in payments

or reclaiming monies and state I HAVE to speak with my store.

It looks like I am going to have to bite the bullet and just continue to pay my original amount

as I just cannot deal with these people

Also the Perfect Care (service cover) which isn't built in which I can take off takes 28 days to remove and within those 28 days I will still be charged the cover. Sneaky

Of course they are talking utter bowlarks. What they don't tell you is that if you miiss one payment, the cover ceases and even if you make the payments up to date and continue doing so, in the event of a claim, they will state that as you broke the terms by missing the one week, you cover is invalid.

The rubbish about the service cover means nothing. You were 'encouraged' to take it out as part of the agreement. You don't need it and never did. This is hire purchase and as such, they still own the goods until the final payment so if they go wrong, they can just take them back.

Work out what you have paid in insurance (up until that was cancelled) and what you have paid in service cover charges then demand them back. They will in all likelihood reject you but then you can complain to the Ombudsman who will (probably) support your claim. The other route is to serve them a Letter Before Action then wait for that to time out then sue them.

and just to be clear...

there ARE NO RULES WHATSOEVER

that goods on HP must be insured.

dx

Thanks for your time Silverfox, will go straight to the Ombudsman. I'm wasting my time speaking to them myself. They even told me today that if I get CAB to call them on my behalf they will tell them the same. As far as Perfect Home are concerned they are in the right and everything is above board. You CANNOT question anything they do.

Thank you Dx

Thanks for your time Silverfox, will go straight to the Ombudsman. I'm wasting my time speaking to them myself. They even told me today that if I get CAB to call them on my behalf they will tell them the same. As far as Perfect Home are concerned they are in the right and everything is above board. You CANNOT question anything they do.

Speaking to them! I hope you mean that you are speaking in a letter or if you are actually speaking to them, recording the conversation. Perfect homes are misleading you as both aspects of the cover are optional, not compulsory so you write a Formal complaint and send it by signed for delivery accusing them of mis selling and demanding a refund of all premiums paid.

I'm fairly sure the Financial Ombudsman has ruled on similar cases in the past. I will do some checks.

I only found one case where PH were involved but that didn't cover the insurance and service cover. I di however find loads for Brighthouse which follows a similar type of agreement.

http://www.ombudsman-decisions.org.uk/

Hi dx, silerfox, sorry I haven't updated you on this matter re Perfect Home.

Unfortunately my father passed away and have been stupidly burying my head in the sand with regards to Perfect Home.

I did however send a letter to them requesting calls to my phone and visits to my home,

plus my offer of a reduced payment which was sent a couple of days after my original thread was started.

They seem to have ignored this as I receive around 5-10 phone calls per day

and about 2-3 home visits per week.

I am sorry to bother you with this but was wondering if there was a specific letter/template

I could send as I probably worded it quite badly, thus them not responding to me.

Any help would be much appreciated

film them at your door

if you've sent a letter specifically requesting no visits

and no call

time to complain to the authorities that gov'n them

Thank you dx

Log and list every call and visit, film every visit then report them for Harassment.

So long as you maintain your preferred method of contact (mail or email) and you have told them as much then there should be no calls and visits.

What they are doing by calling you and visiting against your wishes is criminal and you could report them to the police as it is harassment pure and simple.

Keep accurate logs of any phone calls and visits and recordings if possible. Your phone provider could supply you with a log of your incoming calls although they may charge a fee. If you explain that you are being harassed, they may well help more.

Thanks Silverfox

Thread is 18mts old

Now closed to stop newbie bumping