I've heard alot of talk about how to reclaim OSC. Myself are trying to find a way and atually claim it back. Lefty is your man here for this advise

Well i went into the Store yesterday, showed my bank statement and my latest Receipt to prove i have paid. They took of the Late Payment Charge and they 'Claim' they will deal with the member of staff who made a mistake and will take it seriously. On another Note, Thanks to this website i can now prove that Perfect Home does in fact uses Aggressive Commercial Practices which is against the Unfiar Trading Regulations 2008 and i plan to take full action on them.

Also how do i go about claiming back Late Payment Charges? I originally thought it was £3 per week, but found out today it was atually for each item. So i could be owed at least £130.

Thanks for the comments, I have since spoken to OFT about the numerous problems i have been getting. They are going to send the company a letter stating they have till 30th January to deal with all the complaints i have made and has to be completed to where I'm satisfied. They also said if this should fail that they require me to fill out a form to send back to them so they can take further action. Perfect Home has since phoned me and asked me to go into the store with the Bank statement to show that they have got the payment so i will wait and see what they do about it.

I have yet have another problem with Perfect Home, I went in store on the 17th December 2011 and paid a week which took me up to the 25th December, I rang them on the 22nd of December to pay another 2 weeks and the person who took my payment said my next payment is due on the 8th Jan 2012.so i went into the store on Saturday where they said i only paid up to the 30th December. I have provided proof, Bank Statement to reflect my payments and still they still say the system is correct and im wrong. So they want me to pay x2 for one week.

Hi Jonny, I am also a Perfect Home Customer, at the start of my contract with them i also had a Refurbished Sofa, and was charged 2 weeks upfront and on my agreement i can see also 5 Dec 2011 (when in face i took it out in April). So it could just be a error on there side. Also when you take an item from them, they print off 4 Agreements, 2 are your Hire Purchase Agreement, the other 2 are your 'optional' Insurance Cover, You should of signed these and the store to retain 2 and you also will be given 2 copies. (which should be in your Welcome Pack). You are entitled to cancel your Agreement with PH at any time during your Agreement but you will also loss all of your Payments you have made so far. I myself, have had alot of Negative Treatment from this company, and the Hire Purchase laws weigh against us (Consumer) and if they were to plan to treat all customers badly, the customer would just simply return there items, lose all of there money they have paid to date, and then for Perfect Home to Re-sell the item (Refurbished) to the next customer.

I was in Store Yesterday to complain and the Assistant Manager/Manger are just pure Rude. They know if you stop paying you return the goods, and they resell them and make even more money, Since April this Year that Company has had over £1000 of me and in return get the lowest of Customer Care there is. and the HP laws are weighed against the Customer.

I have been reading other people problems with Bright House on here, So i thought i would ask about several problems i have had with them, I have been a Customer of Perfect Home Since April 2011, and when i first took out a Sofa and a Coffee Table the level of Customer Service was high. A few months past keeping payments up to date and most times being in Credit with them, but for about 2-3 weeks i fell behind payments with them due to change of Circumstances. they sent out a Relationship Manager out to my Home Address to discuss why and with the intentions of collecting the Items. My partner Answered the door and the Relationship Manager went on calling me a Thief and how i plan to run off with the items without paying for them, Again i have presured in taking there Optional Insurance, even tho the Sofa was Refurbished (Second Hand). I then took out Home Contents cover with Tesco and was paying around £160 a year and i took my Insurance papers down to the store where they rejected it unless Tesco Bank sent them a letter to confirm the insurance. I also put in a complaint about this Relationship Manager, The Store Manager at the time said he will inform the Head Office and start an investigation, This was on a Wednesday, i called the Store on Friday where the Manager told me that the Relationship Manager will no longer be allowed to deal with my Account due to way he conducted himself at my Door. I was not happy with this as it would take more than 2 days for an investigation to be properly carried out, the Store refused to put there findings and the outcome into writing, i emailed the Head Office, a few days passed and the Area Manager called me to discuss my complaint. he invited me to the Store to Discuss the problems and he admitted the Store had Failed me and Failed to Investigate this complaint he assured me he will take care of this and any further problems, to contact him rather then the store. I also had to Return the Sofa, as i was unable to keep up with payments and the Area Manager assured me that due to the over whelming problems i suffered he hopes i will continue to take out further HP agreements with the company. Then i took out a laptop and a PS3, again 4 months passed, Payments kept up to date most of the time in credit and then i feel 1 week behind payments, they again sent out the Same Relationship Manager to my Door, Luckily i was not home but as soon as i got home i went straight down to the store to confront them nf this. The Assistant Manager said it was not his problem as he didn't send him to my address, he said The Relationship Managers prinst off the addresses they need to attend and they do it. This week alone, they have Charged me £12 of charges because i was late paying them 58pence. JOKE!!! I ask them to get The Area Manager to call me and he refused. My blood was to a boiling point as in my view they get Customers in, Take there money, give bad customer services and then for the customer to return the goods, and for them to resale the goods with the money they pocketed from the customer. I want to pursue this and take Serious Action against them, They always fail me and i was assured from the area manager this would not keep happening. Any advice would be welcomed.