Hi,

earlier this year I got a mobile phone from perfect homes

. Started out paying ok then I split from my partner and I fell behind on payments.

I tried to catch up online but it will only let me pay full arrears.

I tried to deal with them in writing and the only answer I can get off them is phone the store.

I did not update my address with them I know that was wrong

. But I have now received a default notice off them

it was forwarded by my old landlord and I received it after the deadline.

Now the interesting thing is in the details of it it's blank where it says I am so many payments behind and where it says total amount of arrears.

The total amount outstanding is also listed as £0.00 it's all dated and signed but it's missing the crucial information

. Where do I stand with this what action should I take?

Because I can afford the minimum payments but can not clear the arrears which will be around 12 payments.

Hello and welcome to CAG. The forum guys should be along over the course of the day, please bear with us until they're able to get here.

My best, HB

Hello and welcome to CAG. The forum guys should be along over the course of the day, please bear with us until they're able to get here.

 

My best, HB

Thanks ☺

Hi Old TImer

Welcome to CAG.

Can i have details on the length of the agreement, how much it was for and how much you were in arrears.

Also how long into the agreement were you?

FKO

Bet they made you take out their stupid insurances?

Get reclaiming

They are not compulsory!!

Hi Old TImer

 

Welcome to CAG.

 

Can i have details on the length of the agreement, how much it was for and how much you were in arrears.

 

Also how long into the agreement were you?

 

FKO

Hi. It was a 3 year agreement and I was only 4 months in. Arrears should be currently 11 payments I was paying £11 per week before insurances.

As I said the default letter is missing all of the important information. It doesn't tell me how many payments I'm behind or amountt behind. And the total balance outstanding on the agreement is shown as £0.00.

Were you 4 months in when the arrears began or is it now 4 months in with 11 weeks missed?

Were you 4 months in when the arrears began or is it now 4 months in with 11 weeks missed?

I was 4 months in and then started to fall in arrears

Because you are so early into the agreement, there wont be a great amount to claim back, although every penny counts!

I would simply return the phone and cancel the agreement altogether. They wouldnt then be able to default you which will stay on your credit file for 6 yrs.

Unless the default is already registered.

Moved to the rent to own forum

Lots of like threads here too

Thread is 12mts old..

Now closed to stop newbie bumping

Dx