Can anyone advise me please .

I have had a 3 seater and 2 seater sofas off a rent to buy company called Local Appliance Rentals ,

payments £15 a week ,

now due to a change in financial circumstances have fallen behind by 5 weeks ,

have had no letters of arrears ,

just an undated card put through my door which i seen last Friday morning giving me 5 days to pay ,

tried to borrow money ,but no success.

Today a letter been put through my letterbox by hand headed REPOSSESSIONS OF YOUR RENTAL GOODS ,

stating after repeated attempts to contact me it appears i have no intention of paying or honouring my rental agreement and are now required by law to give me 30 days notice of collection of my sofas ,will be at my house in 30 days time .

Can they enter without a warrant ?

can they refuse a reduced amount monthly ?

also i suffer severe depression,

anxiety,

which I have lots of evidence of ,

any advise please.

I have only had them for about 4 months over a 2 year term

Thank you

No they cannot enter the premises - they are not Bailiffs or anybody of that nature...

dont be afraid...

Tell us more - How much have you paid etc

might be best to voluntarily hand them back

as long as you are not made liable for the outstanding finance.

most of these companies charge insurance for exactly these scenarios

have a look at their t&C's on their website to see what they say.

are these the only items you've ever had from them?

dx

god their T&C's are almost draconian..bordering on unenforceable under the Consumer credit act IMHO.

dx

Hi ,

Thank you very much for your reply .

Its a 52 week term , £30 a fortnight .

I have only paid £230 off to date ,suite is £780

god their T&C's are almost draconian..bordering on unenforceable under the Consumer credit act IMHO

 

might be best to voluntarily hand them back

as long as you are not made liable for the outstanding finance.

 

most of these companies charge insurance for exactly these scenarios

 

have a look at their t&C's on their website to see what they say.

 

are these the only items you've ever had from them?

 

dx

Hi again dx yes only goods I have had off them .x

what do you mean by this:

god their T&C's are almost draconian..bordering on unenforceable under the consumer credit act IMHO.

I doubt they are legally enforceable

they are crap...reads like the Victorian workhouse rules

would be good to put that t & C in front of a judge

Sorry to be a pain again dx I cant seem to find their t&c's

what so you signed up

didn't bother reading them

they would by law have to give you a copy.

If it is this outfit: http://www.localappliancerentals.co.uk

The T&Cs are here:

http://www.localappliancerentals.co.uk/terms-conditions/

Hi ,

I offered a lower payment to this company of what I can afford per month ,

the company insistent I phoned them to do a variation order as it could not be done in writing .

I telephoned to be told the company want me to take the £230 I've paid to go and find another suite and they can remove my sofas as they not happy to do the variation order .

Yet yesterday and today they have still attempted to take money out of my bank as per contract amount of £30 fortnightly.

They suggest they are not happy to do a variation due to my past payment history ,which is missing the £30 fortnight ,which I can't afford .

I have looked already on a few selling pages but no suites that low in price ,plus I would have to rent a van to collect .

This company have made my anxiety go through the roof .

I'm worrying sick .

Can they refuse £5 a week ?

Thank you

stop ringing writing only

py them what you can when you can.

don't forget

they are not bailiffs so don't give in

stop ringing writing only

py them what you can when you can.

don't forget

they are not bailiffs so don't give in

Thank you very much for your advise

Thank you very much for your advise

Hi Dx

I did as advised and have only communicated in writing ,I offered £5 a week , and told them that I did not want the sofas removed as I would be without sofas to sit on .I did look on gum tree etc ,but none on there cheap enough and that could be delivered free ,so I would also have had to hire a van

This is the reply I have now had.Is this information sent back to me lawful with rent to buy goods please ?

As you have declined our offer to cancel your contract and have the money you paid out on the rental item refunded, we will accept your offer of £5 per week as part of the hardship variation course.

We can only accept this offer for a period of three months maximum from today’s date, Wednesday 25th October, to allow you time to sort your finances.

If you do not believe that you will be able to revert to full payments after this time, please let us know now, as the best alternative would be to cancel your contract as you are unable to afford the item and therefore they should be returned.

Once the contract goes back to full rental, you will be required to make the full payment of £30 per fortnight as per the rental agreement,

If you no longer make the required payments, as agreed in this email, than the branch will have no alternative to progress to repossession and default you. Which we are all trying to avoid, considering your emotional wellbeing.