Hi all hope you can offer some advice.

My wife signed up for a 6 month rent to buy scheme for a piano,

after the 6 months we kept the payments going to cover the total cost of the piano,

in fact we've paid over the total amount.

This was agreed with the company.

Were now getting calls, after 7pm mainly! asking for money,

last call the guy even hung up on my wife, accusing us of not contacting them after the 6 months, which is completely untrue,

we were always told they'll get this person to ring back.

we have bank statements to prove payments but this seems to be falling on deaf ears.

We have yet to get any kind of paperwork from these guys, apart from the initial rental agreement.

Where do we stand?

Thanks in advance.

who?

Uk Pianos in London.

who the credit agreement with?

can you scan it up please to 1 multipage pdf?

read upload.

have they ever sent you a statement?

No statements, and will did out the agreement, it's with UK pianos I believe.

This is all we have!

PDF please

but that looks a bit dodgy to me as it does give ANY figures!!

What you have posted is actually a small part taken from there Terms & Conditions: http://www.ukpianos.co.uk/piano-terms-and-conditions

The Agreement is actually with Music Talent Limited

Music Talents Limited

83 Southbury Road

Enfield

Middlesex

EN1 1PJ

Company Number: 05875618

FCA Interim Permissions Reference Number: 641056

Companies House link: https://beta.companieshouse.gov.uk/company/05875618

time for a CCA request me thinks

and stay OFF that phone!

you are under NO legal obl to talk about you debts over the phone.

writing only PUT THE PHONE DOWN.

Thanks for the advice, I'll get the CCA request sorted, it's looking like they're saying we're still renting the piano and not rent to buy which isn't what was initially agreed, though no paperwork to prove.

Last call they said they would email details of payments though nothing yet.

Thanks again.

Hi, so after back and forth emails this is what is going on.

We initially agreed to 6 months rental, then carry on payments to pay for piano in full, as in section 8 of the agreement, they've allowed this towards total cost, though it looks like we're just on a rental contract and not rent/buy which is annoying,

our bank missed a payment, but we've made in total 11 payments plus deposit, and now just shy of total cost by a few pounds, if banks missed payment had gone through we would have overpaid.

But I can't see a way out, it's our word again't theirs, they're not taking into account the first 3 payments, and I keep getting reffered to section 8.

which you were sent before you signed up?

Wife was sent it, she signed and returned.

you mean section 8 of the T&C's NOT the agreement.

so you did have a full copy of the T&C's etc you indicated at the start you'd never seen or agreed to them...

so cant really now say you didn't realise it was rent only?

your story is confusing.

it would be useful to post up the emails

suitably redacted mind

and seek further advise before replying next time?

The rental agreement is the same as the terms and conditions, with a signature line at the bottom of it.

We were told we could rent for 6 months then carry on payments until balance cleared,over the phone.

We did this, but now being told it was just rental.

I'm as confused as the next person, and will probably just pay up and be done without the worry of it all.

they cant vary anything by talking to you over the phone.

what do you think you should be paying to own the piano

and what have YOU proof of you've paid?

that's the concrete evidence and the only thing you should be going by.

don't get spoofed by them wearing you down by stating things in emails

We owe £14.20, they're saying 164.20 and not taking into account the first 3 months £50 standing order payments. I emailed copies of the standing orders, we got that from the bank yesterday, and have payment out showing initial deposit too.

Again, thanks!

8. RENTAL ONLY

This rental contract is not a sales contract and does not give the renter any right to purchase the instrument.

However, should the renter wish to purchase instrument this may be arranged at any time.

If an acoustic or digital piano is purchased any time within the first 6 months then the renter can deduct 100% of their rental payments from the price noted at the time of commencement of the rental.

After a period of 12 months the discount for acoustic pianos and digital grand pianos is 12 months and the discount for digital pianos is 6 months, and shall remain so for the duration of the rental thereafter.

The minimum term for digital pianos is 6 months.

The minimum term for acoustic pianos and digital grand pianos is 12 months.

The instrument is and shall remain the property of Music Talents Ltd. until such a time as the instrument is purchased in full as per the terms of this contract.

The renter shall not remove any identification tags which are attached to the inside of the instrument.

The renter has only the right to use the instrument so long as this rental contract has not terminated and the renter is not in default hereunder.

Once the minimum rental term has been served and the hirer decides to return the instrument to Music Talents Ltd. rather than completing the purchase, there is a collection fee payable in order for us to retrieve the piano from you. The return charge is the same as the delivery charge providing the piano is located at the same address, and on the same floor level it was delivered.

12. DEFAULT

If the renter is in default of any of the terms and conditions of this rental contract, Music Talents Ltd., in order to enforce its ownership rights in the piano and to protect its interest in this rental contract, may take possession of the piano without judicial process and to do so, Music Talents Ltd. or its representatives, may enter the renter’s property and the renter hereby waives any right or action against Music Talents Ltd. for such entry and retaking.

....................

erm WHAT no they cant ...there is no legal precedence for this ..THEY ARE NOT BAILIFFS!!

That agreement is not regulated by the CCA1974...pointless making a section 79 request.

Andy

Hi tallgraham

Something you could consider using against this company is.

Firstly I this in in reference to post#8 specifically FCA Interim Permissions Reference Number: 641056

Now go to this FCA link: https://register.fca.org.uk/

In the search box enter the Permission Number 641056 & search the register

Click the Basic Details look down at there 'Current Status' Fully Authorised

Now Click Permissions look at

Consumer Hire Business - Status Inactive - Permission End Date 15/04/2015

Credit Brokerage - Status Inactive - Permission End Date 15/04/2015

Do ensure to take Screenshots of the above Information

I would be informing that Company that them using their Terms and Conditions with a Signature at the bottom you are now minded to inform the Financial Conduct Authority (FCA) due to there FCA Interim Permissions Reference Number: 641056