Quick update : Ive had a few phonecalls off the finance company saying they are willing to collect the car and then sort out a payment plan for the arrears of around £600. Ive asked for this in writing with no luck at all just an email saying we have updated you account accordingly. This morning I have had a call off a recovery company that want to collect the car. Without anything in writing to prove the agreement apart from a very vague email do I let them take the car or refuse until I have written proof that they have agreed to the voluntary termination ?

Has anyone on here made a successful claim against perfect homes or is it still in the stage of trying to get them to payout

I understand that but me and my wife have bought a lot of stuff from these and paid off a lot of items so I would be more than happy just to claim back on the purchased items as that in itself would be a small fortune as we have been paying them over £30 a week for around 7 years. I did read on the martin lewis forum about claiming this insurance back and he said it wasn't possible but im willing to give it a try for the bit of effort and the small fee of £10

Ok I will send another out recorded delivery as I emailed them the vt and sent it normal but will get it out in tomorrow post to make sure as theres only 2 weeks on the default notice and thanks for your time much appreciated

Yes have no problem in paying the arrears at an agreeable rate just to get the place off my back. Ive asked them to clarify what they mean they have updated the account just to make sure there is no confusion about the situation , but they aren't as quick to answer that email for some reason

I sent the company the termination letter by post and by email This is the reply I got via email this morning along with a default notice through the post Good Morning, Thank you for your email. I have updated your account. Unfortunately we cannot confirm a date of when the car will be collected as this gets passed to a third party recovery company. They will be in contact with you. Kind Regards,

Ok am sending my sar today , would I be able to send a letter with the SAR requesting in writing that I wish to have the insurance removed from my account forthwith

I rang perfect homes to get our account number , they still saying the insurance I have been paying for last 7 years is mandatory and I have to pay it.

Do I just send the SAR template filled in and send to them or do I need to send them cash , would you also send it recorded delivery ?

How many years are you allowed to go back as been paying it for a long time now

I don't have home insurance if that matters

No don't think we have been sent any for ages we just pay by card over phone each week , never even knew it was optional til I was browsing this site to be honest as we were always told we had to have it

Can someone tell me the perfect home insurances I have been payin for prob close on 5 years are they optional as I have always been told they are mandatory since I joined them. If they are not what are my chances of making a claim back on them

The agreement in total was for as follows Goods Value : £4987.00 Fees £10 Interest Charges : £2997.80 I paid a deposit of £1000 and have paid 12 payments of 194.30 so far which leaves around £4500 left owing Ive asked them to collect the car as we are now in financially difficulty so its the sensible thing to do but they are refusing unless I pay them £300 upfront to collect which is basically impossible at the moment so its sat on a drive not being used

The printed agreement says I needed to pay 18mths (Half the agreement) before I can hand the car back but we signed the agreement after listening to the long explanation of terms and conditions , so we fell for the failure to read the contract through word for word until we encountered a problem. Is this what you wanted to check the agreement for or a different reason ?

And forgot to add cheers for all the input its much appreciated

Its an hp agreement , the car place told me I could cancel with nothing to pay after 12mths . We have paid on time for 12mths and now the car company have put us in touch with the finance company who are now sayin they want another 6mths which works out about £1200. Its annoying as we have been totally lied to and in hindsight probably should have got what they were saying signed and in writing but we didn't. We just wanted them to pick up the car and then we could deal with anything that was left to pay at our own pace with what we could afford. But at the minute they wont take the car back unless we pay the pickup fee of £300. I cant believe they would be willing to let a car worth quite a bit rot on the drive rather than just pick it up and then we can sort it out after that.

We originally got the car from Carworld who I believe have now changed trading names to WeSellCarFinance

Apologies not posted for a good while

Having a big problem with car finance cowboys and was wondering could somebody in the know give me a little advice. Im not gonna name the company as don't know if im allowed but we purchased a car on finance just over a year ago. We didn't get the car we was looking for but was told we could change it 6mths into the agreement for a different car and just keep the agreement rolling. We were also told that once we had paid 12mths of the agreement we could hand the car back with no penalties. We put a £1000 upfront and have paid 12 X £198. When we tried to change the car after 6mths we were fobbed off with a list of excuses so we settled with having to pay the car for a little longer and just hand it back. After chasing the car company around for the last week or so they told us today that it wasn't their problem it was the finance place phone them and sort it. We have and we have told them we are no longer willing to make any more payments and they can come and get the car and we will take up any penalties they try and charge us with the car place. They told us £300 to come and get the car which we haven't got , ive told them this and they said they are willing just to let the car sit and rot on the drive and chase us for the rest of the agreement. Are they just playing a waiting game as whats more important to them the recovery cost or the value of the car which currently stands well over £3000. Should I let the car sit on the drive or do all I can to find the money for recovery. The car at the minute has no tax , petrol etc so would cost me about same to get it back legal to take it to them 150 miles away.

Yes been there around 6mths thats why we were covered under the new pay parity laws

Yip we didnt get any option of the days holiday pay , I would have been fine with that as its technically treble time as we were told. I think possibly its the agency getting a little greedy.

Hi I work for an agency which obviously now falls under pay parity rules where we are paid the same as the normal workers for doing the same job. Been ok up to last bank holiday where we all worked long shifts being told treble time was on offer. A few days later we were then told there was no agreed rate , and then eventually told it would now be settled at double time. The normal non agency workers were working for double time and a day in lieu , which in my book is technically treble time. Is anyone up on the subject of the new pay parity rules to let me know legally if they are allowed to do this as the agency are blaming the workplace so dont know where i legally stand

Hi Hopefully someone can help me with this Have been working for an agency for 12weeks , we were more or less forced to go self employed due to the new pay parity laws that came in ( well basically told sign it or leave) Now jobs have become available with the company but we are being told that we cant go for them as the agency would ask for compensation. Does this sound right as we are currently self employed and am not sure on the law on this matter ... Thanks in advance