Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Perfect Home Advice Product Not Received

    Hope I’m posting in the right place. I’ll try not to ramble too much. In April I ordered a bed frame and mattress from Perfect Home. The delivery men came and delivered the mattress and the frame in the box. They told me they’re not meant to leave it in the packaging but they would if I wasn’t ready to put it together.

    They left it in the box in my hallway. After disposing of my old bed I opened the box to see that only the headboard and footboard were in there. I called them the same day to tell them that there was no slats or sides to the bed. They apologised and said it had never happened before and that the delivery company would call to arrange on the coming Monday. They never called.

    I called back a couple of times and got told they’ll call back soon. Nothing. They took automatic weekly payment from my account x2 before I cancelled the direct debiticon. They started sending letters of arrears and home visit letters. I caught the representative at the door and told him and said I’d like them to take the product back as it’s useless to me if not complete. He apologised profusely. Removed arrears charges. And told me I’d be contacted to have the rest delivered by the next week. I agreed.


    It never came. He visited again in end of June/early July. Same thing. About a week after that the slats were delivered. Just the slats. Nothing to attach them too. So still useless and incomplete. I sent an email to customer servicesicon that wasn’t answered. So I thought I’d wait for another home visit. I received numerous texts saying I was in arrears and someone would be visiting the next day. I waited in several times even though my father was having emergency spinal surgery and no one came.


    8 days ago I sent a 3rd email of complaint. Specifying that the product was still useless and that I can’t owe arrears on a credit agreement that is void. I dont know how they expect me to pay for a product I don’t have. I asked for a reply in writing either by post or email within 7 days or I would have to take it further. I got an email back saying apologies they’ll transfer it to arrears apartment they can’t deal with it because I’m in “arrears” but it is like
    To make a payment... blah blah.

    As of yet. Still no reply but I’ve received their usual ‘your account is in arrears’ text. I have been sleeping on the floor since April. The parts of the frame I do have are taking up space in the house. I have mental health problems and this is putting me under so much stress. My credit score has gone down as it shows I’ve defaulted.

    I’m sorry I couldn’t make this more concise. Thank you for reading. Please help I don’t know what to do next.

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  2. #2
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    Default Re: Perfect Home Advice Product Not Received

    Welcome to CAGicon Loabla... Please bare with us...
    We will post shortly


  3. #3
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    Default Re: Perfect Home Advice Product Not Received

    Non delivery does not void the agreement
    You should ideally not have stopped paying as your protest

    Write and complain to the CEO

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    Default Re: Perfect Home Advice Product Not Received

    I would think that they have poorly performed.
    You shouldnt have a default for something like this. I think a contact with the CEO is in order...

    alaric.smith@perfecthome. co.uk



  5. #5
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    Default

    I’d rather get a CCJ than pay for something I haven’t got. Before I cancelled my payment I had made several phone callsicon and emails that were ignored.

    Also, when you place an order on the site.
    It says your first payment will be taken after delivery of the product.
    The product wasn’t delivered.

    The bit that was is still in the packaging and I’ve asked either for them to collect it or send me the rest. They’ve failed to do either. If my only option is to continue being in arrears till I get a CCJ then I just wanted to know that.

    I would’ve paid 28 weeks + by now for something I don’t have if I hadn’t cancelled the direct debiticon.


    Oh also just to mention the guy who I saw at my front door twice said to me “trading standards would have us” and “don’t make a payment until you’ve received it”

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  6. #6
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    Default Re: Perfect Home Advice Product Not Received

    OK well CEO time.

    PH wont do a CCJ they'll sell the debt on to a powerless DCAicon who might, but prob wont win when the judge hears this story.

    dx

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  7. #7
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    Default

    Quote Originally Posted by dx100uk View Post
    OK well CEO time.

    PH wont do a CCJ they'll sell the debt on to a powerless DCAicon who might, but prob wont win when the judge hears this story.

    dx
    Thank you for your help. Is that the CEO’s email above?

    Looking on the financial Ombudsmanicon site under the good on credit when can we help section there’s this:

    the goods or services were purchased under a credit agreement specifically arranged for the purchase of these goods or services. Credit card payments will not normally be covered by section 75A,
    the credit agreement is within the scope of the consumer crediticon Directive, but outside the scope of section 75;

    the amount of the credit agreement is not more than £60,260; and

    there has been a breach of contract by the supplier, involving the goods or services not being provided at all, only being supplied in part, or not being supplied as specified in the contract.


    If I don’t get a reply after emailing the CEO would it be worth contacting them?


  8. #8
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    Default Re: Perfect Home Advice Product Not Received

    section 75 applies to credit cards
    this is a revolving loan not a card.

    TBA id get away from them
    you pay 3 times the goods value over time and their int rates
    save up
    much better way!

    yes that's the email [remove the spaces in it mind!]

    don't waffle
    short one line bullet points in dated in time order
    I page MAX else it will end up in the bin!! not read.

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