it was a present for my son so I'm not able to take it off him an hand it back

Really embarrassed I've even got myself into this mess tbh

So do u no the next steps they are likely to take ???

it was a present for my son so I'm not able to take it off him an hand it back

Really embarrassed I've even got myself into this mess tbh

So do u no the next steps they are likely to take ???

Sadly we don't have a crystal ball so we cant say what they will do. Just because they haven't issued a claim previously, doesn't mean to say they wont decide to make an example out of someone

The next steps are anybody's guess but if they issue a claim form then pks come back and we can help deal with that.

Ok thanks but their now gonna have to find me first unless they email me

If anyone else has advice about them id be most greatful

Theres not really any more advice to offer,

all of the likely events have been explained in some detail.

At CAG we cannot tell you what WILL happen,

thats down to the individual companies involved.

I hope you manage to get your issue sorted out with PH.

Hiding from them will not resolve anything

and CAG would not condone that as a course of action.

I'm not hiding

trying to sort it

I've been made homeless and don't have a forwarding addresse to give them

as I'm sofa surfing at the min

I can't help they have refused any payments from me Unless they're full payments which I don't have

they have been very unreasonable as a company about the whole situation

and have taken over three weeks to get back to me to reduce my payments

after I submitted evidence of my change of circumstances

it has taken for me to contact them to find out they won't lower the payments

they made no contact with me for nearly a month and it's me keeps contacting them to resolve it

I will try and contact head office again because I think 3.50 a week is reasonable

and don't understand why after what I've Said they won't remove the tad insurance

and take my offer

surely in the long run it will cost them money to trace me or take it to court

they rarely do court

and it would only be a return of goods order

don't think we've ever seen evidence of them doing this.

their business model, just like brighthouse and bayv is set up to swallow such issues and write things off.

not wishing to paint a different picture to those that have advised

but the bottom dollar is

these very little they can do

IMHO either

ignore them completely

or

simply pay what you can when you can.

where are the goods , are they still within your control?

dx

As you can see through the entire thread, there is not much they can do aside from trashing your credit file.

Its a little clearer now and i am sorry you find yourself in a position of homelessness.

I would spend all my energy working towards finding yourself permanent accommodation and not worrying about bottom feeders like PH.

There are places like shelter who can help and most councils have emergency housing depts for those in your unfortunate position.

Come back to deal with PH if and when they issue a claim form.

Good luck and i wish you well

Martin

As you can see through the entire thread, there is not much they can do aside from trashing your credit file.

Its a little clearer now and i am sorry you find yourself in a position of homelessness.

I would spend all my energy working towards finding yourself permanent accommodation and not worrying about bottom feeders like PH.

There are places like shelter who can help and most councils have emergency housing depts for those in your unfortunate position.

Come back to deal with PH if and when they issue a claim form.

 

Good luck and i wish you well

 

Martin

Completely correct for now. You need to concentrate on getting your life back on track. IF you end up with a default, then it shouldnt be a worry as such. However, once you are on your feet, I would expect you to start making payments to them.

Thanks so much for your help once I'm sorted I will resolve it of they will help me to

But they're a really difficult company to deal with ,

they have been refusing payments for five weeks now because it's not a full Payment to clear the arrears

they won't even take one weeks payment !

I've got all my emails to confirm and I think I've done the right thing trying to sort it

am not ignoring it but they're now trying to bully me into paying what I can't afford

they have even accused me of lying about being evicted and I had to send them a copy of the letter

I've learned my lesson to not use a company like this again

and anyone reading this I would advise if you can't afford it don't have it !!!

Hi could they not do a re write of your contract were you pay the remaining debt at the end of your contract. Hope you get it sorted

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