Can they take me to court over this? Or are they just using scare tactics?

I have paid about 4-5 late fees. He said that i should just buy a sofa for £80 and give them the settee back then no court proceedings will take place, that is why he is coming back next week, to see if iv got the £250 min so i can keep sofa or to see if iv got a new sofa. No i didnt pay him a penny. Sorry what is FCA? Im new to this.

Thats why i just ignored it all. Easier to ignore than it was to get threatened by them. He shown me a photocopy of a letter that he said was a court proceeding that happened with a man because he failed to pay PH. The man had been charged with Fraud & theft of someone elses property. On the bottom it said that he had been sentenced to 200 hours of unpaid work & a tagging curfew. Really dont know what to do. Hes given me a week to sort something out but being a mum of 4 young children, times are hard.

Please Help..! I opened a account with perfect homes just before christmas 2013 for a new settee as i wasnt able to afford a new settee straight out right. I was meant to pay £32 + pence a week but only got paid fortnightly (benefit payment.) i paid £70 + pence every fortnight which included the late fee. Which they moaned at because the payment was a week late (but always paid the full 2 weeks payment!) At the time of getting the sofa we was in a position to pay as we was receiving my partners DLA. Since then our DLA has been stopped due to it changing to PIP (Put a new claim in) and couldnt afford to keep up the payments of £70 a fortnight. We get our money on a saturday & i paid PH on that day. We didnt receive a payment on the normal saturday so obvs had to wait till monday. They rang up on the saturday & said that because i was always late in making payment they was coming to take the sofa. I then shunted it to the side (Silly thing to do) and this all happened 15 weeks ago. My debt built up & i have had numerous phone calls from temple finance, (PH's creditor) threatening to take me to court & getting mouthy at me down the phone so i hung up & ignored every phone call. a man from temple finance came today and i answered the door thinking that it was someone else. He said i MUST make a FULL payment of £526 Today otherwise they are taking my sofa. I told him im in no financial situation to be able to make the payment. I explained our circumstances, and he still said i either had to pay £250 at least otherwise he was going to apply to court. He said i could get a custodial sentence, tagging & a community order and still have no sofa at the end of it all.. what is the chance of going to court over it? Has anyone else been taken to court over it? Is there any help i can get? thanks