Re: Anybody been took to court by perfecthome/temple finance you've paid more than 1/3rd so there not alot they can do. they have NO legal powers anyhow. now these insurances.... you do know you can reclaim ALL the payments you've made on them they are NOT compulsory, no matter WHAT they say. dx Well i did say to him you can have the sofa if you give me back what i have paid he said no that doesnt happen but i have heard you can actually get the money back but how?

Well thats what i thought ive never heard of anyone going to court over this, he said if you dont want to go to court just hand it back and i said why should i have paid alot of money for this sofa to which he replied well its only worth 250bar anyway so i said well your deffo not having it back then if its only worth that and ive already paid about 7 times that.

i have been a customer with perfect home for around 3 years (never missed a payment.) and i have sofa from them at £22 a week ive paid about 70 weeks of the 130 week contract and came to a bit of a struggle i ended up losing my job and going on to benefits i rang perfecthome and asked if they could help me reduce the payment like take the opitional cover off but oh no they couldnt help so i missed a few payments they hounded me, turned up at my door etc telling me some pretty awful things i didnt refuse to pay i just asked to knock the opitonal service cover and maybe the theft off. just had a chap at the door from temple finance saying they will take me to court in 14 days and i better have a solictor etc and they will take money from my benefits and bailiffs will come etc anyone been to court yet and anyone had money taken off there benefits and what happens thanks very much.