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Hi there

Need some advice please.

 

We bought 2 Sofas of BAYV 2 years ago and their is currently 11months payment left,

 

during the last 2 years we have had them repaired 3 times and unfortunately it needs repairing again

 

when the repair man came out he advised us that it was a manufacturers fault and it would continue to be needing repaired.

On his advice we refused the repair and he sent a report to BAYV to state this fact,

 

they have been back to us saying that we are entitled to a like for like replacement which in fairness we don't want this as we don't know what we are getting, and we don't know where it has been.

 

I've asked them if we could keep the settees and not pay anymore and terminate the agreement in which I am waiting for a reply as yet.

 

Advice needed on if I stop payments

can they legally repossess or have I paid enough on the agreement to stop this....

 

Thanks in advance

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Hi

As you have paid more than a third, they become 'protected goods' and as such, BAYV cannot just turn up and reclaim them. They must get a court order.

 

If you terminate the agreement, the goods must be returned. It is doubtful they will let you keep the goods...but you never know!

 

The thing to remember is that if they turn up to reclaim the sofas, record them. It has been known that they will shout out personal details in the street in an attempt to embarrass you into complying with them. Don't even let them in.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Just for others reading this thread too

remember that NONE of these companies can repossess ANYTHING

They are NOT BAILIFFS

They have and can never have any powers of entry

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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