I'm pleased to say that it has been agreed by BAYV that my account will be refunded with all insurance, All Sorted and phonecalls made, plus a gesture of goodwill payment, plus the unexplained £75.00 arrangement fee, PLUS I was offered a piece of furnture which I reuised because I couldn't stand the stress of more failed deliveries or damaged goods, result !!!! HOWEVER, on receipt of my SAR information it seems that not all is as it should be!!!!! The statement they sent shows the compensatory payment being credited to my account, then it shows in part as a debit against my account, meaning they've taken the compensatory payment back and hoped I wouldn't notice, also the statement is charging me more per item than on my agreement, then it shows the amount paid as different too, the amount it says on the statement that I'm supposed to have paid does not agree with figures they've supplied on a different sheet of paper, the balance outstanding does not agree with the amount on the original agreement minus what they say I've paid, it's different by approx £490.00!!!!!! in their favour. I've previously agreed the correct weekly figure with them and have told them I will now NOT PAY BY METER. I've told them to come and take the meter but leave my TV in full working order and I will pay the balance by card at a paypoint. THEY ARE IN BREACH OF CONTRACT, I am in the process of preparing my case for Trading Standards as I am fed up with these incompetents trying to pull the wool. I have also asked BAYV to provide me with copies of the receipts from the agents as I cannot understand why 8 weekly payments of an odd figure can add up to collections of an even figure. There is still a very big smelly rat hanging around here!! Graham Clarke, the CEO is supposed to be dealing with this as well although I suspect he is delegating the responsibility.

I'm previously Dolly51 but can't seem to get back onto my thread and want to give an update.

Selique1 We only wish it were partly resolved though. Given their track record, how does Dolly51 know it's been resolved? Because they say so? I don't think so? They're hardly the most reliable of organisations are they, missold insurance, lies about what it says in the contract etc etc. She hasn't received the proof she requested so all will be revealed when they send her the SAR, if they send it that is. Watch this space!!!!

I reply on behalf of Dolly51. She is still waiting for confirmation of the amount that has been refunded as requested. Following advice from Trading Standards, I too have looked at the contract with you and NOWHERE does it ask for sight of an insurance document. CAG are correct, insurance IS NOT COMPULSORY so it appears to have KNOWINGLY been missold, or not sold at all as this was not explained nor requested nor made clear. Therefore the 8 week amount due to be collected today will be reduced by the premiums charged for EPS and ALL SORTED by deception without explanation or need. You WILL NOT remove goods without a court order and you WILL NOT harrass the customer for what you deem to be 'arrears'. The weekly premium MINUS EPS AND ALL SORTED will be paid according to the contract however, the £75.00 arrangement fee that was also applied to the contract, and only just discovered and subject ti interest, again without explanation or permission, will need to be refunded against the account as well. This needs to be proven in writing. This information has been requested via SAR and must be responded to within the statutory timescale BY LAW.